Privacy Policy

1. Scope and Our Privacy Approach

This Privacy Policy explains how Vinpree Marketing handles personal information when you visit vinpree.com, submit an enquiry or application, request a credit-related or other digital service, interact with support, or use customer and partner services.

Service-specific notices or consents may provide additional information and should be read together with this policy.

2. Information We May Collect

Depending on the service, we may collect information you provide directly, including:

• Name, mobile number, email address, location and contact details.
• Loan or service requirements, employment or business information and application details.
• Identity, KYC, bank or supporting documents where required for a specific service or partner onboarding.
• Payment references, transaction status and service-fulfilment information.
• Information required for a credit information service when you provide the applicable authorisation.
• Communications, support requests, grievance details and preferences.
• Technical information such as browser/device data, IP address, session information, page interactions and security logs.

3. Why We Use Information

We may use information to:

• Respond to enquiries and provide support.
• Process loan enquiries or applications and connect them with relevant institutions or authorised service providers.
• Provide credit information, credit-support or related digital services where requested and permitted.
• Manage customer, employee and partner onboarding, verification and servicing.
• Process payments, reconcile transactions and maintain accounting or audit records.
• Prevent misuse, investigate suspicious activity and protect users and systems.
• Send service-related updates and, where permitted, optional promotional communication.
• Meet legal, regulatory, record-keeping and dispute-resolution obligations.

4. Consent and Service-Specific Authorisation

Where a service requires separate consent—such as a credit information request, identity verification, partner agreement or optional marketing permission—we seek that consent separately or as part of the relevant transaction flow. A consent applies to the stated purpose and does not automatically authorise unrelated processing.

5. Sharing With Authorised Third Parties

For a requested service, information may be shared with relevant banks, NBFCs, credit information companies, identity or verification services, payment services, communication services, hosting/technology services, professional advisers or other authorised recipients where reasonably necessary.

Recipients may have independent legal obligations and privacy practices. We seek to limit sharing to information reasonably required for the relevant purpose.

6. Credit Information and Sensitive Records

Credit-related and identity information is handled only for authorised purposes connected with the service requested, support, security, dispute handling and applicable record-keeping. Access should be limited to authorised personnel or systems on a need-to-use basis.

7. Payment and Transaction Information

We may retain payment references, order details, status, amount, refund or dispute records and reconciliation information. We do not require users to disclose sensitive payment credentials such as online-banking passwords or card PINs.

8. Cookies, Sessions and Similar Technologies

Our website may use essential cookies, session storage, security logs and similar technologies for authentication, form continuity, security, preferences, performance and analytics. Non-essential tracking, where used, should be handled in accordance with applicable requirements and available user controls.

9. Data Retention

We retain information only for as long as reasonably necessary for the purpose collected, service fulfilment, support, fraud prevention, accounting, legal compliance, dispute handling and legitimate record keeping. Different record types may have different retention periods. Records subject to a dispute, legal hold or statutory requirement may be retained for longer where necessary.

10. Security

We use reasonable administrative and technical safeguards designed to protect information against unauthorised access, alteration, disclosure or loss. No online system can be guaranteed to be completely secure, and users should also protect their devices, credentials and verification codes.

11. Correction, Access and Other Requests

You may contact us to ask about personal information associated with your service, request correction of inaccurate information, raise a privacy concern, or make another request available under applicable law. Verification may be required before acting on a request.

See our Data Rights & Retention page for the request process.

12. Consent Withdrawal and Communication Preferences

Where processing is based on optional consent, you may request withdrawal where applicable. Withdrawal does not invalidate processing already lawfully completed and may affect our ability to continue a service that requires the information. Optional marketing preferences may be changed independently of essential service communications.

13. Children and Eligibility

Our financial and credit-related services are intended for persons eligible to use the relevant service. We do not knowingly invite children to independently request services that legally require adult capacity or verified authorisation.

14. Security Incidents and Legal Requirements

Where required, we may investigate suspected security incidents, preserve relevant records and take reasonable remedial steps. We may disclose information where lawfully required by a competent authority or legal process.

15. Policy Updates

We may update this policy as our services, legal obligations or practices change. Material changes will be reflected through the version and effective date shown on this page and, where appropriate, through a notice or renewed consent.

16. Privacy Contact and Grievance

For privacy questions or complaints, contact us using the details below.

You may also use our Grievance Redressal process.