1. Information We Collect

Personal Identification Information

• Full name, date of birth, gender
• PAN Card, Aadhaar number (for KYC)
• Address proof and identity documents

Financial Information

• Bank account details for loan disbursement and EMI collection
• Income documents, salary slips, ITR
• Credit history (with your consent)

Technical Information

• IP address, browser type, device information
• Login timestamps and session data
• Payment transaction data via Cashfree Payments

2. How We Use Your Information

• To process and evaluate loan applications
• To disburse approved loan amounts to your registered bank account
• To collect EMI repayments via e-Mandate / NACH / UPI AutoPay
• To send repayment reminders, statements, and account notifications
• To comply with RBI guidelines, Gujarat Money Lenders Act, and applicable law
• To prevent fraud and ensure platform security

3. Data Sharing

We do not sell or rent your personal data. We may share data only with:

• Cashfree Payments — for payment processing and payout disbursement
• Credit bureaus — for CIBIL/credit checks (with consent)
• Regulatory authorities — as required by law
• Auditors / legal advisors — under strict confidentiality

4. Data Security

We implement industry-standard security measures including SSL/TLS encryption, access controls, and secure storage. Payment transactions are processed via Cashfree Payments (PCI DSS Level 1 certified).

5. Data Retention

We retain your data for the duration of your loan account plus 7 years, as required by financial regulations and the Gujarat Money Lenders Act.

6. Your Rights

• Right to access your personal data
• Right to correct inaccurate information
• Right to withdraw consent (where applicable)
• Right to raise grievances with our support team

7. Contact for Privacy Concerns

For any privacy-related queries, write to us at: support@vijayfinance.vaniapp.in

1. About Vijay Finance

Vijay Finance is a licensed money lending business under the Gujarat Money Lenders Act, owned by the proprietor of Vijay Finance / Vijay Mobile. The platform facilitates loan applications, disbursements, and EMI repayments digitally.

2. Eligibility

• You must be at least 18 years of age
• You must be an Indian resident with valid KYC documents
• You must have a valid bank account for disbursement and EMI deduction
• You must provide accurate and truthful information during application

3. Loan Terms

All loan terms including principal amount, interest rate, tenure, and processing fees shall be clearly communicated in the Loan Agreement before disbursal. By accepting the Loan Agreement, you confirm your understanding and acceptance of all terms.

• Interest rates are as per the approved Loan Agreement
• Late payment charges apply as per the schedule in your Loan Agreement
• Prepayment is allowed; applicable charges (if any) are detailed in the Loan Agreement

4. EMI & Payment Obligations

By registering an e-Mandate / NACH / UPI AutoPay, you authorize Vijay Finance to automatically deduct EMI amounts on due dates from your registered bank account. It is your responsibility to maintain sufficient balance.

• Failed EMI transactions may attract bounce charges
• Consistent defaults may be reported to credit bureaus
• You may cancel e-Mandate only after full loan repayment

5. Subscriptions

Vijay Finance may offer subscription-based access to premium loan management features. Subscription charges are recurring and will be auto-debited on the renewal date. You may cancel your subscription at any time through your account dashboard.

6. Prohibited Use

• Providing false or misleading information in loan applications
• Using loan funds for illegal activities
• Attempting to manipulate or defraud the platform
• Sharing account credentials with third parties

7. Limitation of Liability

Vijay Finance shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform. Our total liability shall not exceed the loan processing fees paid by you.

8. Governing Law & Dispute Resolution

These terms are governed by the laws of Gujarat, India. Any disputes shall be subject to the exclusive jurisdiction of courts in Kheda, Gujarat.

9. Contact

For any queries regarding these Terms, contact us at: support@vijayfinance.vaniapp.in

1. EMI Repayments

EMI payments made towards your loan account are non-refundable as they are applied directly to your outstanding loan principal and interest.

Exception: If an EMI is debited in error (duplicate debit, wrong amount, or technical failure), a full refund will be processed within 5–7 business days to the original payment source.

2. Processing Fees

3. Subscription Cancellation

You may cancel your subscription at any time from your account dashboard or by writing to us.

• Cancelled before renewal date: No charge for the next billing cycle
• Cancelled after renewal debit: Pro-rata refund for unused days within 7 days of debit
• No refund for cancellations requested after 7 days of the renewal date

4. Loan Prepayment / Foreclosure

You may prepay your loan partially or fully at any time. Prepayment charges, if applicable, are specified in your Loan Agreement. The excess amount (if any) paid during foreclosure shall be refunded within 7–10 business days.

5. How to Raise a Refund Request

1. Email us at support@vijayfinance.vaniapp.in with subject: "Refund Request — [Your Loan/Account ID]"
2. Include: Full name, registered mobile number, transaction ID, amount, and reason for refund
3. Our team will acknowledge within 24 hours and process within the timelines above

6. Refund Method

All refunds are processed to the original payment source — bank account, UPI, or card used at the time of payment. We do not issue refunds in cash or to a different account.

1. Loan Fee Structure

2. Platform Subscription (Optional)

Borrowers may optionally subscribe to premium loan management features:

Subscriptions are billed monthly via auto-debit. Cancel anytime — see Refund & Cancellation Policy for details.

3. Payment Methods Accepted

• UPI (GPay, PhonePe, Paytm, BHIM)
• Net Banking
• Debit / Credit Card
• NACH / e-Mandate (for EMI auto-debit)
• UPI AutoPay

All payments are securely processed by Cashfree Payments, a PCI DSS Level 1 certified payment gateway.

4. GST Applicability

GST is applicable on processing fees and subscription charges as per prevailing government rates. The GST amount will be clearly shown at checkout before you confirm payment.