Privacy Policy

Welcome to VidyaLoans (“we,” “our,” or “us”). We are highly committed to protecting your personal information and ensuring absolute privacy transparency. This Privacy Policy details how we gather, utilize, protect, and handle your data when you interact with our website, platforms, application features, and integrated lending software.

By accessing or using VidyaLoans, you agree to the collection and use of information in accordance with this policy. If you do not agree with any terms within this document, please refrain from submitting information or completing active loan profiles.

To evaluate your loan application profile and provide high-fidelity automated matching services, we collect several categories of information:

• Personal Identifiers: Legal names, date of birth, contact numbers, active email addresses, permanent address, and PAN card / Aadhaar details.
• Academic Details: Intended university of study, global country selection, GRE/IELTS/TOEFL test scores, academic marksheets, and university offer letters.
• Co-Applicant & Financial Data: Income records, salary slips, active bank statements, income tax returns (ITRs), and overall family asset/liability profiles.
• Device & Usage Statistics: Log files, IP addresses, browser specifications, operating system versions, and page interaction timestamps.

We utilize your personal information strictly to deliver, optimize, and evaluate our student education loan services, specifically for:

• Matching your unique student profile with eligible educational lenders and public/private banking partners.
• Verifying documents automatically through OCR and DigiLocker systems to fast-track bank review.
• Assisting you with automated tools (e.g., dynamic SOP suggestions, EMI calculators, and stress testing simulators).
• Sending alerts regarding active loan application status updates, counseling details, and verification stages.
• Preventing fraud, mitigating operational risks, and fulfilling legal/regulatory obligations.

VidyaLoans does not sell or lease student database records to third-party marketing companies. We share information only under the following situations:

• With Banking Partners: We transmit your profiles and uploaded documents directly to partner banks and NBFCs *only* after you explicitly select and authorize application submissions.
• With Service Providers: To facilitate specialized features such as secure document fetching, SMS notification updates, and automated OCR processing.
• For Legal Compliance: When compelled by active judicial orders, public regulations, or governmental laws to prevent potential fraud or financial crimes.

We enforce cutting-edge industry security measures to keep your data secure. All transmission pipelines use secure HTTPS protocols and AES-256 data encryption schemes. Documents retrieved through our integration channels are held within high-security cloud firewalls.

Although we leverage enterprise-grade security tools, no platform transmission over the public internet can be guaranteed 100% secure. You are highly encouraged to safeguard your login details and active profile tokens.

As a student applying through our platform, you have specific control features over your personal data:

• Access & Review: You can review all elements of your application, co-applicant details, and uploaded files inside your student profile dashboard.
• Update & Rectify: You can correct incomplete entries directly or contact support to request swift changes.
• Data Deletion: You can request complete termination of your active loan profile and deletion of stored records from our archives, subject to active legal or lending auditing mandates.

If you have questions, comments, or data handling complaints regarding this Privacy Policy, please reach out to our dedicated Data Privacy Team: