Legal
Your privacy is important to us. This policy explains how we collect, use, and protect your data. Last updated: June 2025.
We collect personal information including your name, address, Aadhaar number, PAN, bank account details, phone number, and email address during the KYC and enrollment process. We may also collect usage data when you interact with our website or mobile application.
Your information is used to process enrollment, verify identity, manage scheme participation, communicate scheme updates and payment reminders, comply with legal and regulatory obligations under the Chit Funds Act, 1982, and improve our services.
We do not sell your personal data to third parties. We may share information with government authorities and regulators as required by law, banking partners for payment processing, and auditors for compliance purposes. All third parties are bound by confidentiality agreements.
We implement industry-standard security measures including encryption, secure servers, and access controls to protect your personal information from unauthorized access, disclosure, or loss. However, no method of transmission over the internet is 100% secure.
We retain your personal data for as long as your membership is active and as required by applicable laws and regulations. Upon termination of membership, data may be retained for up to 7 years for legal and compliance purposes.
You have the right to access, correct, or request deletion of your personal data. To exercise these rights, please contact us in writing. We will respond within 30 days. Note that certain data may be retained as required by law.
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We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of our services after changes constitutes acceptance of the revised policy.
For privacy-related queries or requests, contact our Data Officer at:
Vijayaraghava Chits Private Limited
Krishna Krupa, No 15, 2nd Main Road, Jyothinagar, Sira, Tumkur, Karnataka — 572137
Phone: +91 81976 49849