We are Apexmatrix Software Solutions Private Limited, based in Raipur, Chhattisgarh, India. We offer digital lending services through our mobile app.

We collect information to provide and improve our services, including:

• Personal Info: Name, email, phone number, gender, and date of birth
• KYC & ID Info: PAN, Aadhaar, bank details, salary, etc.
• Device Info: IP address, device type, app usage, and location (with consent)
• Permissions: Contacts, camera, location, and phone state—for onboarding and verification (only if you allow it)

We use your data to:

• Verify your identity (KYC)
• Process your loan applications and payments
• Improve app performance
• Send alerts and offers (only if you agree)
• Comply with legal and regulatory rules

We may share your data with:

• Lending partners and verification agencies
• Service providers like cloud storage or analytics tools
• Authorities if legally required

We do not sell your data for marketing purposes.

We keep your data as long as needed (up to 10 years) to meet legal or business needs. We use encryption and secure servers in India to protect your information.

You can:

• Access or correct your data
• Withdraw your consent
• Ask us to delete your data (unless we need to keep it for legal reasons)

Write to us at vriddhiloans.com to request any of the above.

We ask for access to contacts, camera, location, etc., only when needed. You can change these anytime in your phone settings.

We may update this policy from time to time. We’ll notify you in the app when we do.