Sanvika Credit Advisory Pvt Ltd may collect information voluntarily provided by customers through website enquiry forms, contact forms, Google RCS Business Messages, WhatsApp Business Messages, SMS, phone calls, email communication, online meeting requests 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 information only after it is voluntarily submitted by the customer or where the customer has expressly consented to share such information for loan guidance, credit advisory, communication, customer support and related services.

We do not knowingly collect personal information from individuals below the age of 18 years. If we become aware that such information has been collected unintentionally, we will take reasonable steps to delete it in accordance with applicable laws.

Where applicable, we may maintain records of customer consent, including the communication channel, date and time, for regulatory compliance, service delivery, customer support and dispute resolution purposes.

We collect only such information as is reasonably necessary to understand customer requirements, provide credit advisory, evaluate available options, facilitate communication with partner financial institutions where applicable, and deliver our services efficiently.

Providing personal information is voluntary. However, certain services may not be available if the required information is not provided. We collect only the minimum information reasonably necessary for legitimate business purposes and in accordance with this Privacy Policy.

Sanvika Credit Advisory Pvt Ltd may collect information through various customer interaction channels, including:

• Website enquiry forms and contact forms
• Google RCS Business Messages
• WhatsApp Business Messages
• SMS communication
• Phone calls and customer discussions
• Email communication
• Online consultation requests
• 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 the customer’s consent

Information is collected only after it is voluntarily provided by the customer or where the customer has expressly consented to share such information. Such information is collected solely for the purpose of understanding customer requirements, providing credit guidance, evaluating available options, facilitating communication and delivering our services.

We do not obtain customer information through unauthorised means or from third parties without the customer’s knowledge or consent, except where permitted by applicable law.

Customers are advised not to share passwords, OTPs, PINs, CVV numbers or any other confidential banking credentials through any communication channel. We will never request such information.

Sanvika Credit Advisory Pvt Ltd may use cookies, analytics tools and similar technologies to improve website performance, security, user experience and the quality of our services.

Cookies and similar technologies may help us understand:

• Website traffic and visitor behaviour
• Frequently visited pages and services
• Device, browser and operating system information
• Website performance and technical issues
• General user preferences and browsing experience

We may use trusted third-party analytics services, including Google Analytics or similar technologies, to understand how visitors interact with our website and to improve our online services.

Cookies generally do not identify visitors personally unless personal information is voluntarily submitted through website enquiry forms, contact forms or other communication channels.

Most web browsers allow users to control, block or delete cookies through their browser settings. However, disabling cookies may affect the functionality and user experience of certain features of this website.

By continuing to use this website, you acknowledge that cookies and similar technologies may be used in accordance with this Privacy Policy.

Sanvika Credit Advisory Pvt Ltd may use customer information only 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, overdraft facility guidance and other credit advisory services
• Reviewing credit reports and financial information voluntarily shared by customers
• Communicating through Google RCS Business Messages, WhatsApp Business Messages, SMS, phone calls, email or other approved communication channels regarding enquiries and services
• Responding to customer requests, queries and support requirements
• Scheduling consultations and providing customer assistance
• Improving website content, customer experience and service quality
• Maintaining internal records, legal compliance and fraud prevention
• Complying with applicable laws, regulatory requirements and lawful requests from competent authorities

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

We do not sell, rent or misuse customer personal information for unlawful purposes. Information is processed only for the purposes described in this Privacy Policy and in accordance with applicable laws.

Sanvika Credit Advisory Pvt Ltd may share customer information with banks, NBFCs, financial institutions, service providers or authorised business partners only where reasonably necessary to provide requested services, process customer enquiries or comply with applicable legal and regulatory requirements.

Customer information may be shared for purposes including:

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

We do not sell, rent, trade or disclose customer personal information to third parties for marketing purposes.

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

All information sharing is carried out only to the extent reasonably necessary for providing requested services, fulfilling legal and regulatory obligations, protecting customer interests and supporting customer requests. Where applicable, customer information is shared with appropriate confidentiality and security safeguards.

Sanvika Credit Advisory Pvt Ltd retains customer information only for as long as reasonably necessary to provide requested services, maintain business records, comply with applicable legal and regulatory requirements, prevent fraud and resolve customer queries or disputes.

Customer information may be retained for purposes including:

• Customer service and support
• Internal record keeping
• Legal, regulatory and compliance requirements
• Fraud prevention and risk management
• Audit and operational requirements
• Service improvement and business continuity

We implement reasonable administrative, technical and organisational measures to protect stored customer information against unauthorised access, misuse, alteration, disclosure or loss.

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

Customers may contact Sanvika Credit Advisory Pvt Ltd regarding the personal information they have voluntarily provided through our website, enquiry forms, Google RCS Business Messages, WhatsApp Business Messages, email, phone calls or other communication channels.

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

• Access to personal information voluntarily provided by them
• Correction of inaccurate or incomplete information
• Updating of contact or profile information
• Clarification regarding the collection, use or sharing of their information
• Withdrawal of consent for future communications, where applicable
• Restriction or objection to the processing of information, where permitted by applicable law

To protect customer privacy and security, we may require reasonable verification of identity before processing any request.

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

Sanvika Credit Advisory Pvt Ltd will make reasonable efforts to respond to customer requests within a reasonable timeframe in accordance with applicable laws and internal policies.

Customers may request correction, updating or deletion of personal information voluntarily provided to Sanvika Credit Advisory Pvt Ltd through our website, enquiry forms, Google RCS Business Messages, WhatsApp Business Messages, email, phone calls or other communication channels.

Upon receiving a reasonable and verifiable request, we may:

• Correct inaccurate or incomplete information
• Update outdated customer information
• Delete information that is no longer required for legitimate business purposes, where permitted by applicable law
• Restrict future communications, where applicable
• Process requests for withdrawal of consent, where legally applicable

Certain information may continue to be retained where required for legal, regulatory, compliance, audit, 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 in order to protect customer privacy and security.

Sanvika Credit Advisory Pvt Ltd will make reasonable efforts to process eligible requests within a reasonable timeframe in accordance with applicable laws and internal policies.

When visitors access the website of Sanvika Credit Advisory Pvt Ltd, certain non-personal technical information may be automatically recorded by our web server, hosting provider or website analytics services.

Such information may include:

• IP Address
• Browser type and version
• Device information
• Operating system information
• Date and time of website visits
• Pages visited on the website
• Referring website or traffic source
• General website usage statistics

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

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

Sanvika Credit Advisory Pvt Ltd uses such information only for legitimate business, operational, analytical and security purposes in accordance with applicable laws and this Privacy Policy.

Sanvika Credit Advisory Pvt Ltd implements reasonable administrative, technical and organizational measures to safeguard customer information against unauthorized access, misuse, alteration, disclosure or loss.

Our security measures may include:

• Restricted access to customer information on a need-to-know basis
• Secure storage and handling of customer records and documents
• Password-protected systems, devices and business accounts
• Regular monitoring and maintenance of website and system security
• Periodic review and improvement of internal security practices
• Access controls and data protection procedures for authorized personnel

While we make reasonable efforts to protect customer information, no method of electronic transmission, internet communication or electronic storage can be guaranteed to be 100% secure.

Customers are advised not to share passwords, OTPs, PINs, CVV numbers, internet banking credentials or any other confidential financial information through email, WhatsApp, SMS or any unsecured communication channel. Sanvika Credit Advisory Pvt Ltd will never ask customers to share such confidential banking credentials.

In the event of any suspected unauthorized access, security concern or data-related issue, customers are encouraged to contact us immediately so that appropriate action can be taken.

We continuously review and strengthen our security measures to protect customer information in accordance with applicable laws and industry best practices.

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

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

Customers who access any third-party website through links available on this website do so at their own discretion and risk. We encourage users to review the privacy policy, terms of use and other applicable policies of such third-party websites before sharing any personal information or conducting any transaction.

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

Sanvika Credit Advisory Pvt Ltd shall not be liable for any loss, damage, dispute, delay or consequence arising from the use of any third-party website, service or platform beyond our reasonable control.

Any interaction, agreement or transaction between customers and third-party websites, lenders or service providers shall be governed solely by the respective third party’s terms and policies.

Sanvika Credit Advisory Pvt Ltd reserves the right to modify, update, revise or replace this Privacy Policy at any time to reflect changes in our business operations, services, legal requirements or applicable regulations.

This Privacy Policy may be updated due to:

• Changes in applicable laws, regulations or government guidelines
• Introduction of new services, communication channels or website features
• Changes in business operations or internal processes
• Improvements in security, privacy or customer service practices
• Compliance with regulatory or industry requirements

Any revised version of this Privacy Policy will be published on this website with the updated “Last Updated” date. Unless otherwise stated, the revised Privacy Policy shall become effective immediately upon publication.

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

Continued use of this website or our services after any update to this Privacy Policy shall constitute acceptance of the revised Privacy Policy.

If you have any questions, concerns, requests or grievances regarding this Privacy Policy, the processing of your personal information or our services, you may contact Sanvika Credit Advisory Pvt Ltd through our official communication channels.

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

Customers may contact us for:

• Privacy Policy related queries
• Personal information correction requests
• Data deletion requests, where applicable
• Consent withdrawal requests, where applicable
• Communication preference updates
• Service-related queries or concerns
• General customer support

To help us resolve your request efficiently, please provide your full name, registered mobile number, email address (if applicable) and sufficient details regarding your query or request.

We may require reasonable identity verification before processing certain requests in order to protect customer privacy, security and comply with applicable laws.

Customer support and grievance requests may be submitted through our official phone number, email address, website contact form, WhatsApp Business or other officially published communication channels.

For any questions regarding this Privacy Policy, your personal information, our services or customer support, you may contact us through the details below:

Company Name:
Sanvika Credit Advisory Pvt Ltd

Website:
www.sanvikacreditadvisory.in

Email:
support@sanvikacreditadvisory.in

Mobile / WhatsApp:
+91 9930035666

Landline:
022-69710533

Registered Office Address:
212, Rehab Building No. 1, Wing A, Karmabhoomi, Village Poisar, Near Terapanth Bhavan, Thakur Complex, Kandivali East, Mumbai – 400101

Business Hours:
Monday to Saturday: 10:00 AM to 6:00 PM
Sunday: Closed

Customers may contact us for privacy-related queries, personal information requests, customer support, grievance resolution or service-related assistance through our officially published communication channels.

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