Privacy Policy

1. Introduction

Vraj Fund Sector Inc. (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide when you visit our website https://vrajfundsector.com/ or use any of our financial services, including Home Loans, Personal Loans, Business Loans, Auto/Car Loans, Project Finance, Secured & Unsecured Loans, Loan Against Property, and Office Equipment Loans.

By using our website or submitting your information, you consent to the practices described in this policy.

2. Information We Collect

We collect the following categories of personal information:

a) Information You Provide Directly

Full name, email address, city, and phone number (via Free Quote forms, contact forms, or subscription)
Loan type preference and requested loan amount
Employment details, income information, and business details (when applying for loan services)
Identity documents and financial records required for loan processing (e.g., PAN card, Aadhaar, bank statements, ITR)

b) Information Collected Automatically

IP address, browser type, and operating system
Pages visited, time spent on site, and referring URLs
Device information and cookie data

c) Information from Third Parties

Credit bureau reports and scores obtained with your consent
Details shared by partnering banks or financial institutions during loan processing

3. How We Use Your Information

We use the information collected for the following purposes:

To process your loan enquiry or application and connect you with suitable lending partners
To provide you with customised loan solutions and interest rate comparisons
To contact you via phone, SMS, or email regarding your loan enquiry or application status
To send newsletters, financial updates, news, and promotional offers (only if you have subscribed or consented)
To improve our website, services, and customer experience
To comply with applicable laws, regulations, and RBI guidelines governing financial intermediaries
To prevent fraud, identity theft, and other financial crimes
To maintain records as required by law

4. Sharing of Your Information

We do not sell, rent, or trade your personal information. We may share your data only in the following circumstances:

Banking & Lending Partners: With banks, NBFCs, or financial institutions to process your loan application, strictly with your prior consent
Service Providers: With third-party vendors who assist us in operating our website, conducting business, or servicing you, under strict confidentiality agreements
Legal Compliance: When required by law, regulation, court order, or government authority
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

We ensure that all third parties we work with adhere to appropriate data protection standards.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies help us:

Remember your preferences and settings
Analyse website traffic and usage patterns
Improve site functionality and performance

You can control or disable cookies through your browser settings. However, disabling cookies may affect certain features of our website.

6. Data Security

We are committed to the security of your confidential data. We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These include:

Secure SSL/TLS encrypted data transmission
Restricted access to personal data on a need-to-know basis
Regular security assessments and updates to our systems

While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet is 100% secure.

7. Retention of Data

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable law and regulatory obligations. Once the retention period expires, your data will be securely deleted or anonymised.

8. Your Rights

As a user, you have the following rights regarding your personal information:

Access: Request a copy of the personal data we hold about you
Correction: Request corrections to inaccurate or incomplete information
Withdrawal of Consent: Withdraw consent for us to contact you or process your data at any time
Deletion: Request deletion of your data, subject to legal and regulatory requirements
Opt-Out: Unsubscribe from marketing communications at any time by contacting us

To exercise any of these rights, please contact us using the details in Section 11.

9. Third-Party Links

Our website may contain links to third-party websites, including our banking and financial partners. We are not responsible for the privacy practices or content of those external sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. Children’s Privacy

Our services are intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us immediately so we can take appropriate action.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal data, please reach out to us:

Vraj Fund Sector Inc.
C-902, 9th Floor, Imperial Heights,
150ft Ring Road, Rajkot – 360004

📞 Phone: 9725218713
📧 Email: info@vrajfundsector.com
🌐 Website: https://vrajfundsector.com

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with a revised “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we protect your information.

Your continued use of our website after any changes constitutes your acceptance of the revised policy.

This Privacy Policy is in compliance with applicable Indian data protection laws and best practices for financial service providers.