📅 Last updated: January 1, 2025 | Effective Date: January 1, 2025
1. Introduction
VRK Financial Services ("we", "our", or "us"), located in Tamil Nadu, India, is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website or apply for our financial services.
By using our website or submitting a loan application, you agree to the terms of this Privacy Policy.
2. Information We Collect
We collect the following types of information:
- Personal Identification: Full name, phone number, email address
- Financial Information: Loan type, loan amount requested, monthly income
- Identity Verification: PAN card number, Aadhaar number (for loan processing)
- Account Credentials: Hashed (encrypted) password for your customer portal account
- Communication Data: Messages sent through our support system
3. How We Use Your Information
We use your personal information for the following purposes:
- To process and evaluate your loan application
- To create and manage your customer account
- To communicate loan status updates, EMI reminders, and important notices
- To respond to your support queries and tickets
- To comply with legal and regulatory requirements under Indian law
- To send announcements related to our services
4. Data Storage & Security
Your data is securely stored using Google Firebase Firestore, a cloud-hosted database protected by Google's enterprise-grade security infrastructure.
- All passwords are hashed and never stored in plain text
- Our website enforces HTTPS encryption for all data transmission
- Access to customer data is restricted to authorized staff only via role-based access control
- We implement brute-force protection on all login systems
5. Sharing of Information
VRK Financial Services does not sell, rent, or trade your personal information to any third party.
We may share your information only in the following circumstances:
- As required by Indian law, court order, or government authority
- With credit bureaus (such as CIBIL) for loan eligibility verification, with your consent
- With our trusted service partners strictly for processing your loan application
6. Your Rights
As a customer, you have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate information
- Request deletion of your account and personal data (subject to legal obligations)
- Opt out of non-essential communications
To exercise any of these rights, please contact us at the details below.
7. Cookies
Our website uses minimal session storage (not tracking cookies) to keep you logged in to the customer portal during your browser session. No third-party advertising cookies are used.
8. Third-Party Services
We use the following third-party services to operate our website:
- Google Firebase — for database storage (Google Privacy Policy applies)
- EmailJS — for sending email notifications (EmailJS Privacy Policy applies)
- Netlify / Vercel — for website hosting (their Privacy Policy applies)
9. Children's Privacy
Our services are intended for individuals 18 years of age and older. We do not knowingly collect personal data from minors. If you believe we have collected data from a minor, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:
- Company: VRK Financial Services
- Location: Tamil Nadu, India
- Phone: +91 73389 32271
- Email: vrkfinancialservices@gmail.com
- Office Hours: Monday – Saturday, 9:30 AM – 6:00 PM