Privacy Policy

Last Updated: [Insert Date]

Bitsquare Technologies Private Limited ("Company", "we", "our", or "us") values your privacy and is committed to safeguarding your personal data. This Privacy Policy describes how we collect, use, share, and protect your information when you use our loan application platform ("App" or "Service").

By downloading, installing, or using our App, you agree to this Privacy Policy. If you do not agree, please do not use our Services.

1. About the App

• The App provides users with access to loan products offered by regulated Banks and NBFCs.
• We act solely as an intermediary / affiliate partner, enabling you to compare and apply for loans offered by our partner institutions.
• We do not lend money directly or decide your loan approval, interest rate, or repayment terms.
• All loan-related decisions are made by the respective Banks or NBFCs as per their internal policies and regulatory compliance.

2. Information We Collect

3. How We Use Your Information

We use your data to:

• Facilitate your loan application with our partner Banks and NBFCs
• Verify your identity and perform KYC checks
• Assist in loan eligibility assessment and comparison
• Communicate updates, offers, and support messages
• Detect and prevent fraud, misuse, or suspicious activities
• Comply with applicable laws and regulatory requirements

We do not sell or rent your personal data to any third party.

4. Sharing of Information

We may share your information with:

• Partner Banks and NBFCs, to process your loan application
• Credit bureaus, for credit score checks (if required by partners)
• Third-party service providers assisting in KYC, analytics, and communications
• Regulators or law enforcement agencies, when legally mandated

5. Data Storage and Security

• Your data is stored on secure servers located within India, in line with RBI and IT Act, 2011 requirements.
• We use encryption, firewalls, and limited-access protocols to protect your data.
• Access is restricted to authorized personnel only.

6. Data Retention

We retain your personal data only for as long as necessary to:

• Fulfill the purpose for which it was collected
• Comply with legal or regulatory obligations
• Resolve disputes and enforce agreements

Once the retention period expires, we securely delete or anonymize your data.

7. Your Rights

You have the right to:

• Access, update, or correct your personal information
• Withdraw consent for specific data usage (subject to service limitations)
• Request deletion of your personal data (unless retention is required by law)

To exercise these rights, please contact us at contact@vestbox.in.

8. Permissions and Consent

The App may request certain permissions (camera, location, storage, etc.) only when required for KYC or loan application purposes. You can manage or revoke these permissions at any time through your device settings.

9. Third-Party Links

Our App may contain links to third-party websites or applications (such as Banks or NBFC partners). We are not responsible for the privacy practices or content of those external platforms.

10. Children's Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect data from minors.

11. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be reflected by the "Last Updated" date above. Continued use of our App indicates your acceptance of the revised terms.

12. Contact Us

13. Disclosure of Lending Partners

Bitsquare Technologies Private Limited is an affiliate partner with multiple RBI-registered Banks and NBFCs. All loans are issued directly by these regulated entities.

1. Introduction

Welcome to Bitsquare Technologies Private Limited ("Company", "we", "our", or "us"). These Terms and Conditions ("Terms") govern your use of our loan marketplace mobile application ("App"). By using our App, you agree to these Terms.

2. Eligibility

You must be at least 18 years of age to use the App. By using the App, you confirm that you are legally capable of entering into a binding contract under Indian law.

3. Nature of Service

• We act as an intermediary / affiliate platform to connect users with Banks and NBFCs.
• We do not provide loans or financial products directly.
• All loan-related decisions, including approval, amount, tenure, and interest rates, are made solely by the respective Banks or NBFCs.

4. User Responsibilities

• You agree to provide accurate and complete information during registration and loan applications.
• You shall not misuse or attempt to manipulate any part of the App.
• You agree not to use the App for fraudulent or unlawful purposes.

5. Third-Party Services

Our App may include links or integrations to third-party services (Banks, NBFCs, payment gateways, etc.). We are not responsible for their actions, data handling, or service outcomes. Please refer to their individual terms and privacy policies.

6. Intellectual Property

All content, trademarks, and data on the App are owned by or licensed to Bitsquare Technologies Private Limited. You may not copy, modify, or distribute our intellectual property without written consent.

7. Limitation of Liability

We are not liable for:

• Loan approval or rejection decisions made by Banks or NBFCs
• Any loss or damage arising from the use of or inability to use the App
• Errors or omissions in information shared through the App

8. Indemnification

You agree to indemnify and hold harmless Bitsquare Technologies Private Limited from any claims or liabilities arising out of your use of the App, violation of these Terms, or breach of third-party rights.

9. Termination

We may suspend or terminate access to the App if you violate these Terms or engage in misuse or unlawful activity.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed under the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Jaipur, Rajasthan.

11. Contact Us

For any questions or concerns, contact us at: