Viktamna Finance – Privacy Policy

Effective Date: 30-06-2026

1. Introduction

Welcome to Viktamna Finance (“Viktamna Finance”, “we”, “our”, or “us”).

We respect your privacy and are committed to protecting your personal data in accordance with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, applicable rules, RBI Digital Lending Directions, and other applicable laws.

This Privacy Policy explains how we collect, use, process, store, disclose and protect your personal data when you access or use our website, mobile platform, or related services (“Platform”).

Where consent is the legal basis for processing your personal data, we shall obtain your free, specific, informed, unconditional and unambiguous consent through a clear affirmative action before collecting or processing such data. Mere use of the Platform shall not constitute consent.

2. Who We Are

Viktamna Finance operates as a Direct Selling Agent (DSA) under one or more Corporate DSA(s) for facilitating loan and financial product applications offered by regulated Banks and Non-Banking Financial Companies (NBFCs).

Viktamna Finance is not a Bank or NBFC and does not itself lend money or make lending decisions.

Loan approval, rejection, sanction amount, tenure, interest rate, processing fees and disbursement remain solely at the discretion of the respective lending institution.

3. Information We Collect

Depending upon the services requested, we may collect the following information:

A. Personal Information

• Full Name
• Date of Birth
• Gender (where applicable)
• Residential Address
• Correspondence Address
• Email Address
• Mobile Number

B. Identity & Financial Information

Where necessary for loan processing, we may collect:

• PAN
• Aadhaar (only where legally permitted)
• Passport
• Driving Licence
• Voter ID
• Employment Details
• Income Details
• Salary Slips
• Bank Statements
• Income Tax Returns
• Bank Account Details
• Other financial documents required by lending partners.

Aadhaar Handling. Where Aadhaar information is collected:

• it shall only be collected where legally permitted;
• masked Aadhaar or Virtual ID may be used wherever feasible;
• biometric Aadhaar information is never collected or stored by Viktamna Finance.

C. Technical Information

We may automatically collect:

• IP Address
• Browser Information
• Device Information
• Operating System
• Cookies
• Website Usage Information
• Log Files

D. Communication Information

We may retain records of:

• Emails
• Customer Support Requests
• Telephone Calls
• WhatsApp Messages
• SMS
• Chat Conversations

where required for customer support, compliance and service improvement.

4. Purpose of Processing

We process your personal information for the following purposes:

• Processing loan enquiries
• Assessing eligibility
• Verifying identity
• Document verification
• Forwarding applications to lending partners selected by you
• Fraud prevention
• Customer support
• Regulatory compliance
• Improving our Platform
• Internal record keeping
• Legal compliance

We shall process personal data only for lawful purposes communicated to you at or before the time of collection.

5. Sharing of Personal Information

We shall disclose your personal information only where necessary and in accordance with applicable law.

Your information may be shared with:

• our Corporate DSA partner involved in processing your application;
• the Bank(s) or NBFC(s) selected by you or identified for evaluating your application;
• KYC verification agencies;
• technology service providers acting on our behalf under contractual confidentiality obligations;
• payment service providers where applicable;
• government authorities, regulators, courts or law enforcement agencies where legally required.

Except where disclosure is required by law, we shall not share your personal information with any unrelated third party without obtaining your separate consent.

We do not sell your personal information to third parties.

6. Consent for Service Communications

By submitting a loan enquiry and providing your consent, you authorize Viktamna Finance and its authorised processing partners to contact you regarding:

• loan application processing;
• KYC verification;
• document collection;
• customer support;
• application status;
• service notifications.

Such communications may be sent through:

• Telephone
• SMS
• WhatsApp
• Email
• RCS Messages
• Other legally permissible electronic channels.

These communications are necessary for providing our services.

7. Marketing Communications

Marketing communications are entirely optional.

We shall send promotional calls, SMS, WhatsApp messages or marketing emails only where you have separately opted in.

You may withdraw your marketing consent at any time without affecting service-related communications.

Marketing communications shall comply with applicable TRAI regulations and Do Not Disturb (DND) requirements.

8. Cookies and Similar Technologies

Our Platform uses cookies and similar technologies to:

• improve website functionality;
• remember user preferences;
• analyse website traffic;
• improve user experience.

You may manage cookie preferences through your browser settings.

Certain website features may not function properly if cookies are disabled.

9. Data Security

We implement appropriate technical, organisational and administrative safeguards to protect personal data against unauthorised access, disclosure, alteration, misuse or destruction.

Our information security practices are designed with reference to recognised industry standards, including ISO/IEC 27001 principles where applicable.

In the event of a personal data breach, we shall take appropriate remedial measures and provide notifications to competent authorities and affected individuals wherever required under applicable law.

10. Data Retention

We retain personal information only for as long as necessary to:

• process your application;
• comply with lender requirements;
• comply with RBI guidelines;
• meet legal obligations;
• resolve disputes;
• prevent fraud;
• satisfy accounting and taxation requirements.

Upon expiry of the applicable retention period, personal information shall be securely deleted, anonymised or destroyed using appropriate security procedures unless retention is required by law.

11. User Responsibilities

You agree that all information submitted by you is accurate, complete and up to date.

Providing false, incomplete or misleading information may result in rejection of your application or inability to provide services.

12. Third-Party Websites

Our Platform may contain links to third-party websites operated by Banks, NBFCs or other service providers.

We are not responsible for the privacy practices, content or security of such websites.

Users should independently review the privacy policies of those third parties.

13. Children’s Privacy

Our services are intended only for individuals who are 18 years of age or above.

We do not knowingly collect personal data from children.

If we become aware that personal data relating to a child has been collected without the legally required consent, such data shall be deleted in accordance with applicable law.

14. Your Rights

Subject to applicable law, you may exercise the following rights:

• request access to your personal data;
• request correction or updating of inaccurate information;
• request erasure of personal data where legally permissible;
• withdraw consent at any time where consent is the basis of processing;
• nominate another person to exercise your rights where permitted by law;
• seek grievance redressal;
• request information regarding disclosure of your personal data where applicable.

Withdrawal of consent shall not affect processing already carried out before such withdrawal but may affect our ability to continue providing certain services.

15. Consent Management

Where processing is based upon consent:

• consent may be withdrawn at any time;
• withdrawal shall be as easy as providing consent;
• withdrawal shall not affect earlier lawful processing;
• withdrawal may prevent us from processing or continuing your loan application where personal data is necessary.

16. Changes to this Privacy Policy

We may amend this Privacy Policy from time to time to comply with legal, regulatory or operational requirements.

The updated Privacy Policy shall be published on our Platform along with the revised Effective Date.

Continued use of the Platform after publication of the revised Privacy Policy shall not, by itself, constitute consent for any new processing activities that require consent under applicable law.

17. Grievance Officer / Contact Us

For any privacy-related questions, requests, complaints or grievances, please contact:

Viktamna Finance
Grievance Officer
42, Dayal Bagh
Agra – 282005
Uttar Pradesh, India
Email: support@viktamnafinance.com
Phone: +91 8077852393

If you remain dissatisfied with the resolution of your grievance, you may avail yourself of remedies available under applicable law.

Viktamna Finance – Terms & Conditions

Effective Date: 30-06-2026

Welcome to Viktamna Finance (“Viktamna Finance”, “we”, “our”, or “us”).. These Terms & Conditions (“Terms”) govern your access to and use of our website, mobile platform, applications, and related services (collectively, the “Platform”). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of the Platform.

1. Nature of Services

1.1 Viktamna Finance operates as a Direct Selling Agent (DSA), referral partner and financial product facilitator working under one or more Corporate DSAs and/or regulated lending partners, as applicable.

Viktamna Finance is not a Bank, Non-Banking Financial Company (NBFC), lender, or loan sanctioning authority unless expressly stated otherwise.

1.2 We facilitate the submission of loan, credit card and other financial product enquiries to eligible lending partners.

1.3 We do not:

• approve loans;
• reject loan applications;
• determine loan eligibility;
• decide interest rates;
• determine loan tenure;
• determine processing fees;
• sanction loans;
• disburse loans; or
• guarantee approval of any financial product.

All such decisions are made solely by the respective Bank, NBFC or regulated lending institution in accordance with its internal policies and applicable laws.

2. Eligibility

By using the Platform, you represent and warrant that:

• You are at least 18 years of age.
• You are legally competent to enter into a binding contract.
• All information and documents submitted are true, accurate and complete.
• You are legally authorised to apply for the requested financial product.
• You shall promptly update any information that becomes inaccurate.

Submission of false, misleading or fraudulent information may result in rejection of your application, suspension of services and reporting to appropriate authorities wherever required under applicable law.

3. No Guarantee of Loan Approval

Submitting an enquiry or application through Viktamna Finance does not guarantee:

• Loan approval;
• Loan disbursement;
• Any minimum or maximum loan amount;
• Any specific interest rate;
• Any repayment tenure;
• Any processing timeline; or
• Approval by any particular lender.

Every application is independently assessed by the concerned lending institution.

Viktamna Finance does not influence the lender’s credit decision.

4. User Consent

4.1 Service & Transaction Communications

By submitting your details, you expressly authorize Viktamna Finance and its authorised representatives to contact you through:

• Phone calls
• SMS
• RCS Messages
• WhatsApp
• Email
• Push Notifications
• Other electronic communication channels

solely for purposes relating to:

• verification;
• customer support;
• processing your enquiry;
• responding to your requests;
• transaction updates;
• service communications; and
• regulatory compliance.

4.2 Marketing Communications

Where required under applicable law, promotional or marketing communications regarding financial products or services shall be sent only after obtaining your explicit consent.

You may withdraw such consent at any time by following the unsubscribe instructions or contacting us.

Withdrawal of marketing consent shall not affect service-related communications necessary for processing your enquiry.

4.3 Verification & Data Sharing Consent

You authorise Viktamna Finance to verify your information and share relevant application details with:

• Corporate DSAs;
• Partner Banks;
• NBFCs;
• Regulated Financial Institutions;
• Technology Service Providers;
• Verification Agencies;
• Credit Information Companies (where authorised);
• KYC service providers; and
• Other authorised service providers,

strictly for:

• loan processing;
• identity verification;
• fraud prevention;
• customer due diligence;
• regulatory compliance; and
• providing requested financial services.

Such sharing shall be carried out in accordance with our Privacy Policy and applicable law.

5. Privacy & Data Usage

Your personal information shall be collected, processed, stored and shared in accordance with:

• our Privacy Policy;
• the Digital Personal Data Protection Act, 2023;
• the Information Technology Act, 2000; and
• other applicable laws.

We implement reasonable technical and organisational safeguards to protect your personal information.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

6. User Responsibilities

You agree to:

• provide accurate information;
• provide genuine supporting documents;
• promptly update inaccurate information;
• use the Platform only for lawful purposes;
• maintain confidentiality of your login credentials;
• not impersonate another person;
• not upload malicious software;
• not interfere with the Platform’s operation;
• comply with all applicable laws.

You remain solely responsible for activities carried out using your account.

7. Fees & Charges

Viktamna Finance does not charge borrowers any fee for submitting loan enquiries, applying for loans, or using our loan facilitation services unless expressly disclosed in writing and permitted under applicable law.

Where applicable, Viktamna Finance receives its remuneration from its Corporate DSA, lending partner, Bank or NBFC and not from the borrower.

All loan-related charges including:

• processing fees;
• documentation charges;
• valuation fees;
• insurance premiums;
• stamp duty;
• interest;
• penalties; and
• statutory charges,

are determined solely by the respective lending institution and shall be disclosed by such lender in the applicable loan documentation.

8. Repayment Obligations

If your loan application is approved and accepted, you shall be solely responsible for complying with the terms and conditions of the loan agreement executed with the respective lender.

Repayment obligations, including EMIs, interest, penalties, overdue charges, foreclosure charges, and any other contractual obligations, shall be governed exclusively by the loan agreement entered into between you and the lender.

Viktamna Finance is not responsible for collecting loan repayments or enforcing repayment obligations unless expressly authorized by the lending partner.

9. Intellectual Property

All trademarks, trade names, logos, graphics, text, software, images, designs, layouts, and other content available on the Platform are owned by or licensed to Viktamna Finance and are protected under applicable intellectual property laws.

You shall not reproduce, modify, distribute, publish, reverse engineer, or commercially exploit any content without our prior written consent.

10. Third-Party Services

The Platform may contain links to, integrations with, or information relating to third-party websites, Banks, NBFCs, Corporate DSAs, payment gateways, technology providers, or other service providers.

Viktamna Finance does not control or guarantee the accuracy, availability, security, or policies of such third parties.

Your interactions with any third party shall be governed solely by the terms and privacy policies of that third party.

11. Disclaimer

The information available on the Platform is provided solely for general informational purposes.

Nothing on this Platform constitutes financial, legal, tax, accounting, investment, or professional advice.

Loan eligibility calculators, EMI calculators, indicative offers, interest rates, and other tools are estimates only and should not be construed as loan approval or a binding offer.

Actual loan terms shall be determined exclusively by the respective lender.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Viktamna Finance shall not be liable for any loss, damage, delay, expense, or claim arising from:

• rejection or delay of any loan application;
• decisions made by any Bank, NBFC, or lending partner;
• incorrect or incomplete information provided by users;
• temporary interruption or unavailability of the Platform due to maintenance, technical failures, or events beyond our reasonable control;
• reliance placed on general information available on the Platform; or
• acts or omissions of third-party service providers or lending institutions.

Nothing in these Terms shall exclude or limit any liability that cannot be excluded under applicable law, including liability arising from:

• fraud;
• fraudulent misrepresentation;
• gross negligence;
• wilful misconduct; or
• obligations imposed under applicable consumer protection, data protection, or other mandatory laws.

Nothing in this clause shall affect your statutory rights under applicable law.

13. Indemnity

You agree to indemnify, defend, and hold harmless Viktamna Finance, its directors, employees, affiliates, Corporate DSAs, lending partners, representatives, and service providers against any claims, losses, liabilities, damages, penalties, costs, or expenses (including reasonable legal fees) arising from:

• your breach of these Terms;
• submission of false or misleading information;
• misuse of the Platform;
• infringement of any third-party rights; or
• violation of applicable laws or regulations.

14. Modification of Terms

Viktamna Finance reserves the right to amend, update, or modify these Terms at any time to reflect changes in law, regulatory requirements, business practices, or Platform functionality.

The revised Terms shall become effective upon publication on the Platform unless otherwise specified.

Your continued use of the Platform after such publication constitutes acceptance of the revised Terms.

15. Suspension or Termination

Viktamna Finance may suspend, restrict, or terminate your access to the Platform, without prior notice, where we reasonably believe that:

• you have breached these Terms;
• you have submitted fraudulent or misleading information;
• your activities violate applicable law;
• your actions may expose Viktamna Finance or its partners to legal, financial, or reputational risk; or
• termination is required by law or regulatory authorities.

Termination shall not affect any rights or obligations accrued prior to termination.

16. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Subject to applicable law, contractual disputes arising from these Terms shall be subject to the jurisdiction of the competent courts at Agra, Uttar Pradesh, India.

Nothing in this clause shall restrict, waive, or prejudice any statutory right available to consumers to approach the appropriate Consumer Commission, tribunal, regulator, or any other competent authority under applicable law.

17. Contact Details

For any questions, concerns, complaints, or requests relating to these Terms & Conditions, you may contact:

Viktamna Finance
Email: support@viktamnafinance.com
Phone: +91 8077852393

Disclaimer

Viktamna Finance is a loan facilitation platform and does not directly provide loans. Loan approvals, interest rates, processing fees and disbursement are solely determined by the respective Bank or NBFC. Information provided on this website is for informational purposes only and should not be considered financial, legal or investment advice.

Grievance Redressal Policy

Version: 1.0
Effective Date: 30-06-2026

1. Purpose

Viktamna Finance is committed to providing fair, transparent, and timely customer service. This Grievance Redressal Policy establishes the process through which customers can raise complaints, seek clarifications, or report concerns relating to our services.

2. Scope

This Policy applies to complaints relating to:

• Loan and credit card enquiry facilitation;
• Customer service;
• Delay in forwarding applications to authorised partners;
• Website functionality;
• Data privacy concerns;
• Communication preferences;
• Employee conduct;
• Service quality;
• Any other issue relating to Viktamna Finance’s services.

This Policy does not apply to lending decisions made by banks, NBFCs, or other regulated financial institutions, including loan approval, rejection, interest rates, loan amount, repayment terms, or disbursement decisions. Such matters should be addressed directly with the relevant lender.

3. How to Submit a Complaint

Customers may submit complaints through:

Business Name: Viktamna Finance
Grievance Officer: Vikas Sharma
Address: 42, Dayal Bagh, Agra – 282005, Uttar Pradesh, India
Email: support@viktamnafinance.com
Phone: +91 8077852393
Business Hours: Monday to Saturday, 9:00 AM – 6:00 PM

4. Information to Include

To help us investigate your complaint efficiently, please provide:

• Full Name;
• Mobile Number;
• Email Address (if available);
• Loan or enquiry reference number (if available);
• Description of the complaint;
• Supporting documents or screenshots (if any).

5. Complaint Handling Process

Upon receiving a complaint, Viktamna Finance will:

• Acknowledge receipt of the complaint.
• Review the complaint and any supporting information.
• Contact the customer if additional information is required.
• Coordinate with relevant internal teams or authorised partners, where applicable.
• Communicate the outcome or update to the customer.

Where a complaint relates solely to a lender’s decision, we may advise the customer to contact the lender directly.

6. Expected Timelines

Our target service levels are:

• Acknowledgement: within 2 business days
• Initial assessment: within 5 business days
• Final response or update: normally within 15 business days, depending on the complexity of the matter.

If additional time is required, we will inform the customer of the reason for the delay.

7. Fair Treatment

Every complaint will be handled fairly, impartially, respectfully, without discrimination, and in accordance with applicable law.

Raising a complaint will not affect a customer’s ability to continue using our services, except where restrictions are necessary to prevent fraud or comply with legal obligations.

8. Privacy

Information shared during the complaint process will be used only for investigating and resolving the complaint, complying with legal obligations, and improving our services. It will be handled in accordance with our Privacy Policy.

9. Policy Updates

We may revise this Policy from time to time. The updated version will be published on our website with the revised effective date.

10. Contact

For any grievance, complaint, or feedback:

Viktamna Finance
42, Dayal Bagh, Agra – 282005, Uttar Pradesh, India
Email: support@viktamnafinance.com
Phone: +91 8077852393
Business Hours: Monday to Saturday, 9:00 AM – 6:00 PM

Consent Renewal (Buyback) Policy

At Viktamna Finance, customer privacy and data protection are our priorities.

Where customer consent has expired, been withdrawn, or is required for a new purpose, we may request the customer to provide fresh consent before collecting, processing, or sharing their personal information with our lending partners.

By providing renewed consent, the customer authorizes Viktamna Finance to:

• Collect and process personal and financial information required for loan eligibility assessment.
• Share such information with authorized Banks, NBFCs, Corporate DSAs, Credit Information Companies, and regulated service providers solely for the purpose of processing the customer’s loan application.
• Retrieve credit information and other verification details where legally permitted and with appropriate authorization.
• Contact the customer via phone, SMS, email, WhatsApp, or other electronic means regarding loan offers and application status.

Customers may withdraw their consent at any time by contacting our Grievance Officer. Withdrawal of consent may impact our ability to continue processing the loan application or provide related services.

Fresh consent will always be obtained where required under applicable laws and regulatory guidelines.

Contact

Viktamna Finance
Email: support@viktamnafinance.com
Phone: +91 8077852393