Privacy Policy

1. Introduction & Regulatory Commitment

Arvanta Financial Services Private Limited ("Arvanta", "we", "us", or "our") operates strictly as an authorized digital Direct Selling Agent (DSA) and referral partner for Scheduled Commercial Banks and RBI-regulated Non-Banking Financial Companies (NBFCs). We are committed to protecting the privacy, confidentiality, and security of all personal, financial, and identifying information entrusted to us by borrowers, channel partners, and users in strict accordance with the Digital Personal Data Protection (DPDP) Act, 2023 and the Reserve Bank of India (RBI) Guidelines on Digital Lending.

2. Information We Collect

To facilitate credit evaluation, digital loan sourcing, identity authentication, and automated notifications (via Telegram, SMS, and Email), we may collect:

• Identity Information: Full name, date of birth, Permanent Account Number (PAN), Aadhaar number (processed strictly via UIDAI/DigiLocker masked e-KYC).
• Contact Information: Mobile phone number, email address, physical residential and office address.
• Financial & Employment Details: Employment type, employer/business name, monthly income, requested credit facility amount, bank account details for ₹1 penny drop verification.
• Technical & Communication Metadata: IP address, device identifier, messaging delivery timestamps, and OTP verification logs.

3. Purpose of Processing & Legal Basis

We process your data solely for lawful, explicit, and transparent business purposes:

• Authenticating users and providing One-Time Passwords (OTP) via Telegram Bot, SMS, or Email for portal access and partner applications.
• Forwarding customer credit applications to selected regulated lending partners (Banks/NBFCs) with explicit user consent.
• Complying with statutory reporting, Prevention of Money Laundering Act (PMLA), and RBI regulatory mandates.

4. Messaging & Notification Communications

When you request a Bank DIY link or customer service support via SMS, Telegram, or email:

• Messages, verification codes, and status updates are transmitted over encrypted communication infrastructure.
• We do not send unsolicited promotional marketing broadcasts without express opt-in consent.
• You can opt-out or stop messaging interactions at any time by contacting our support team at info@arvanta.in.

5. Data Retention & User Deletion Requests

We retain personal data only as long as necessary to fulfill the credit referral process or as required by applicable Indian banking laws and tax regulations.

User Data Deletion: Users have the right to request deletion of their personal records. To request deletion of your account and personal data, please email our Data Protection Officer at info@arvanta.in with the subject "Data Deletion Request" including your registered mobile number. Your data will be deleted or anonymized within 30 days, subject to mandatory statutory retention requirements.

6. Security Measures

We implement industry-standard administrative, physical, and technical safeguards including TLS 1.3 encryption in transit, AES-256 encryption at rest, role-based access control, cryptographic hash audits, and automated session timeouts to prevent unauthorized access or disclosure.

7. Grievance Officer & Contact Information

In accordance with the Information Technology Act, 2000 and DPDP Act, 2023, the details of our Grievance Redressal / Data Protection Officer are:

Grievance Officer: Sunita Pachouri
Address: Arvanta Financial Services Private Limited, C/o. Sunita Pachouri, New Gokul Dham Bhatkhedi, ITM, Gwalior, M.P. - 474001, India
Email: info@arvanta.in