Sanvika Credit Advisory Private Limited may collect information voluntarily provided by customers through website enquiry forms, contact forms, WhatsApp messages, phone calls, email communication and other communication channels.

The information collected may include:

• Full Name
• Mobile Number
• Email Address
• City / Location
• Employment Details
• Monthly Income Information
• Existing Loan and Credit Card Details
• Credit Report Information voluntarily shared by the customer
• Banking and financial information required for eligibility assessment
• Any other information voluntarily provided for loan guidance or credit advisory services

We collect only such information as is reasonably necessary to understand customer requirements, provide guidance, evaluate available options and communicate regarding our services.

Providing personal information is voluntary. However, certain services may not be available if the required information is not provided by the customer.

Sanvika Credit Advisory Private Limited may collect information through various customer interaction channels, including:

• Website enquiry forms and contact forms
• WhatsApp messages and chat communication
• Phone calls and customer discussions
• Email communication
• Documents voluntarily shared by customers for eligibility review
• Credit reports or financial information voluntarily provided by customers
• Customer interactions through social media platforms
• Referrals received from customers, partners or connectors with customer consent

Information is collected only for the purpose of understanding customer requirements, providing loan guidance, credit advisory services and communicating regarding available options.

Customers are advised not to share unnecessary sensitive information that is not relevant to the requested service.

This website may use cookies, analytics tools and similar technologies to improve website performance, user experience and website security.

Cookies may help us understand:

• Website traffic and visitor behaviour
• Frequently visited pages and services
• Device and browser information
• Website performance and technical issues
• General user preferences

We may use third-party website analytics tools, such as Google Analytics or similar services, to understand how visitors interact with the website.

Cookies generally do not identify a visitor personally unless personal information is voluntarily submitted through forms or other communication channels.

Users may choose to disable cookies through their browser settings; however, certain website features may not function properly if cookies are disabled.

Sanvika Credit Advisory Private Limited may use customer information for legitimate business purposes, including:

• Understanding customer requirements and financial profile
• Providing loan guidance and credit advisory services
• Evaluating eligibility for available loan products and financial solutions
• Assisting customers with debt consolidation, balance transfer and overdraft facility guidance
• Reviewing credit report related information voluntarily shared by customers
• Communicating through phone, WhatsApp, email or other approved channels regarding enquiries and services
• Responding to customer requests, queries and support requirements
• Improving website content, customer experience and service quality
• Maintaining internal records and compliance requirements

We do not use customer information for unlawful purposes.

Customer information is used only to the extent reasonably necessary to provide requested services, communicate with customers and improve our business operations.

Sanvika Credit Advisory Private Limited may share customer information with banks, NBFCs, financial institutions, service providers or business partners only when reasonably necessary to provide requested services or process customer enquiries.

Information may be shared for purposes such as:

• Loan eligibility assessment
• Loan application processing
• Debt consolidation evaluation
• Balance transfer evaluation
• Credit advisory related services
• Verification, compliance and operational requirements

We do not sell customer personal information to third parties.

Information may also be disclosed where required by applicable law, regulatory requirements, court orders or government authorities.

All information sharing is carried out only to the extent reasonably necessary for providing services, fulfilling legal obligations or supporting customer requests.

Sanvika Credit Advisory Private Limited may store customer information for as long as reasonably necessary to provide services, maintain business records, comply with legal requirements and resolve customer queries or disputes.

Information may be retained for purposes such as:

• Customer service and support
• Internal record keeping
• Compliance and regulatory requirements
• Fraud prevention and risk management
• Service improvement and operational requirements

We take reasonable steps to ensure that stored information is protected against unauthorized access, misuse, alteration or disclosure.

When information is no longer required for legitimate business, legal or operational purposes, it may be deleted, anonymized or securely disposed of in accordance with our internal practices and applicable laws.

Customers may contact Sanvika Credit Advisory Private Limited regarding information that they have voluntarily provided through our website, forms, email, WhatsApp or other communication channels.

Subject to applicable laws and operational requirements, customers may request:

• Access to information voluntarily provided by them
• Correction of inaccurate or incomplete information
• Updating of contact or profile information
• Clarification regarding the use of their information
• Withdrawal of consent for future communications, where applicable

We may require reasonable verification of identity before processing certain requests in order to protect customer privacy and security.

Certain information may continue to be retained where required for legal, regulatory, compliance, record-keeping or operational purposes.

Sanvika Credit Advisory Private Limited will make reasonable efforts to respond to customer requests within a reasonable timeframe.

Customers may request correction, updating or deletion of information voluntarily provided to Sanvika Credit Advisory Private Limited through our website, enquiry forms, email, WhatsApp or other communication channels.

Upon receiving a reasonable and verifiable request, we may:

• Correct inaccurate information
• Update outdated customer information
• Remove information that is no longer required for legitimate business purposes
• Restrict future communications where applicable

Certain information may continue to be retained where required for legal, regulatory, compliance, fraud prevention, dispute resolution, record-keeping or operational purposes.

Requests for correction, updating or deletion of information may be submitted through our official contact channels. We may require reasonable identity verification before processing such requests to protect customer privacy and security.

Sanvika Credit Advisory Private Limited will make reasonable efforts to process eligible requests within a reasonable timeframe.

When customers visit our website, certain non-personal technical information may be automatically recorded by our web server, hosting provider or website analytics tools.

Such information may include:

• IP Address
• Browser Type and Version
• Device Information
• Operating System Information
• Date and Time of Website Visit
• Pages Visited on the Website
• Referral Source Information
• General Website Usage Statistics

This information is collected primarily for website administration, security monitoring, troubleshooting, performance analysis and improving the overall user experience.

Website log information generally does not directly identify an individual customer unless combined with information voluntarily provided by the customer through forms or other communication channels.

Sanvika Credit Advisory Private Limited uses such information only for legitimate business, operational, analytical and security purposes.

Sanvika Credit Advisory Private Limited takes reasonable administrative, technical and operational measures to help protect customer information against unauthorized access, misuse, alteration, disclosure or loss.

Security measures may include:

• Restricted access to customer information
• Secure storage and handling of records
• Password-protected systems and devices
• Monitoring of website and system security
• Periodic review of internal security practices

While we make reasonable efforts to protect customer information, no method of electronic transmission, internet communication or data storage can be guaranteed to be completely secure.

Customers are advised to exercise caution while sharing information online and should avoid sharing confidential information through unsecured communication channels.

Sanvika Credit Advisory Private Limited cannot guarantee absolute security of information transmitted over the internet; however, we continuously strive to maintain appropriate safeguards to protect customer information.

This website may contain links to third-party websites, lender websites, social media platforms, service providers or other external resources for customer convenience and informational purposes.

Sanvika Credit Advisory Private Limited does not own, control or operate such third-party websites and is not responsible for their content, privacy practices, security measures, accuracy, availability or terms of use.

Customers who access third-party websites through links provided on this website do so at their own discretion and risk.

We encourage users to review the privacy policies, terms of use and other applicable policies of any third-party website before providing personal information or engaging in any transaction.

The inclusion of any third-party link on this website does not constitute an endorsement, recommendation or guarantee of the products, services or information offered by such third parties.

Sanvika Credit Advisory Private Limited shall not be responsible for any loss, damage, dispute or consequence arising from the use of third-party websites or services.

Sanvika Credit Advisory Private Limited reserves the right to modify, update, revise or replace this Privacy Policy at any time without prior notice.

Changes may be made to reflect:

• Changes in business operations or services
• Changes in applicable laws, regulations or compliance requirements
• Changes in technology, website functionality or security practices
• Improvements in customer service and information management processes

Any updated version of this Privacy Policy will be published on this website and will become effective from the date of publication unless otherwise stated.

Customers are encouraged to periodically review this Privacy Policy to stay informed about how information is collected, used, stored and protected.

Continued use of this website after the publication of any changes shall be considered acceptance of the revised Privacy Policy.

If you have any questions, concerns, requests or grievances regarding this Privacy Policy or the handling of your information, you may contact Sanvika Credit Advisory Private Limited through our official communication channels.

We will make reasonable efforts to review and respond to genuine customer queries, requests and grievances within a reasonable timeframe.

Customers may contact us regarding:

• Privacy Policy related queries
• Information correction requests
• Information deletion requests
• Communication preferences
• Service related concerns
• General customer support matters

For faster resolution, customers are encouraged to provide relevant details regarding their query or request when contacting us.

For any questions regarding this Privacy Policy, our services, customer information practices or related matters, you may contact:

SANVIKA CREDIT ADVISORY PRIVATE LIMITED

Website: www.sanvikacreditadvisory.in

Phone: 022 69710533
Mobile: +91 9930035666

Email: support@sanvikacreditadvisory.in

Registered Office Address:

212, Rehab Building No. 1, Wing A,
Karmabhoomi Village Poisar,
Near Terapanth Bhavan,
Thakur Complex,
Kandivali (East),
Mumbai – 400101,
Maharashtra, India.

Customers are encouraged to contact us through our official communication channels for privacy-related queries, information correction requests, information deletion requests, grievances or general support requirements.