a) This Privacy Policy is an electronic record in accordance with the Information Technology Act, 2000, and applicable rules thereunder, including the Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021. This electronic record is generated by a computer system and does not require any physical or digital signature.
b) This Privacy Policy is published in compliance with Rule 3(1) of the Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021, requiring publication of rules, regulations, privacy policy, and terms of use for access or usage of the Viksa mobile application ("App").
c) The App "Viksa" is owned and operated by Finvik Sales and Distribution Private Limited ("Company"), formerly known as Finvik, a company incorporated under the Companies Act, 2013, having its registered office at:
SHOP NO. 302, Shivansh Trade Park,d) For the purpose of this Privacy Policy:
i) "User", "You", or "Your" means any person who accesses or uses the App and is legally competent to enter into a binding contract under the Indian Contract Act, 1872.
ii) "Company", "We", "Us", or "Our" means Finvik Sales and Distribution Private Limited.
iii) "Parties" refers collectively to the User and the Company.
e) By using the App, You agree to this Privacy Policy and the Terms of Use of the App. Continued use of the App after any update to this Policy shall constitute Your acceptance of such changes.
f) The Company reserves the right to modify this Privacy Policy at any time. Updated versions shall be published on the App.
a) The Company may collect the following personal information from Users:
b) The Company collects only such information as is necessary for:
c) The purpose of collecting personal information is clearly communicated to Users at the time of collection.
d) Explicit consent is obtained before collecting, processing, or sharing personal information with third parties.
e) The Company does not collect or store biometric information unless specifically permitted under applicable law.
f) Users may withdraw consent, request deletion of data, or seek information regarding data usage by writing to: viksa@finvik.com
g) The Company follows data minimization practices and retains only necessary information.
a) All customer data is stored securely on servers located in India.
b) If any data is processed outside India temporarily for operational purposes, such data shall be transferred back and deleted from foreign servers within the timelines prescribed under applicable RBI Digital Lending Guidelines.
c) The Company maintains a comprehensive data governance framework that includes:
d) Personal data is retained only for as long as necessary to fulfill legal, regulatory, and business requirements.
e) Upon expiry of the retention period, data is securely deleted or anonymized.
a) The App may use cookies, device identifiers, SDKs, and similar technologies to improve functionality, security, analytics, and user experience.
b) These technologies help the Company:
c) Users may restrict certain permissions through device settings; however, some App features may not function properly.
a) Personal information is shared only:
b) The Company does not sell personal information to third parties.
c) Any sharing of personal data is done strictly on a need-to-know basis and in compliance with applicable law.
a) The Company adopts industry-standard security measures to protect personal information against unauthorized access, disclosure, alteration, or destruction.
b) All sensitive data transmitted through the App is encrypted using secure protocols.
c) Payment-related information is processed directly through authorized payment gateways and is not stored by the Company.
d) Access to personal data is restricted only to authorized personnel.
a) The App may contain links to third-party websites or services.
b) The Company is not responsible for the privacy practices, policies, or content of such third-party platforms.
c) Users are advised to review the privacy policies of external websites before sharing any information.
Users have the right to:
Requests may be submitted to: viksa@finvik.com
The App is intended only for individuals who are legally competent to enter into contracts under Indian law. The Company does not knowingly collect information from minors.
By accessing or using the App, the User expressly consents to the collection, use, storage, processing, and sharing of personal information in accordance with this Privacy Policy.
In accordance with the Information Technology Act, 2000 and applicable rules, the Grievance Officer details are as follows:
Mr. Shakti Singh
Email: shakti.singh@finvik.in
Finvik Sales and Distribution Private Limited
SHOP NO. 302, Shivansh Trade Park,
Bhilwara, Rajasthan – 311001, India.
The Company shall address grievances within a reasonable period in accordance with applicable law.
a) Any dispute arising out of or relating to this Privacy Policy shall first be attempted to be resolved amicably through mutual discussions.
b) If the dispute is not resolved within thirty (30) days, it shall be referred to arbitration under the Arbitration and Conciliation Act, 1996.
c) The arbitration shall be conducted by a sole arbitrator mutually appointed by the Parties.
d) The seat and venue of arbitration shall be Bhilwara, Rajasthan, India.
e) This Privacy Policy shall be governed by the laws of India, and courts located at Bhilwara, Rajasthan shall have exclusive jurisdiction.