CenturyLoans

Privacy Policy

Last Updated: September 21, 2025

Century Vehicle Loans Private Limited ('we', 'us', 'our') is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you apply for our two-wheeler and personal loan products or use our website. Please read this policy carefully. By using our services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

  • Personal Identification Information: Name, date of birth, gender, PAN card number, Aadhaar number, and other details from official ID cards.
  • Contact Information: Residential address, email address, and mobile phone number.
  • Financial Information: Income details, salary slips, bank account statements, credit information reports, and CIBIL scores.
  • KYC Documentation: Copies of your identity and address proof documents as required by RBI regulations.
  • Technical Information: IP address, browser type, device information, and other data collected automatically when you visit our website.

2. How We Use Your Information

  • To process and evaluate your loan application for a two-wheeler or personal loan.
  • To perform 'Know Your Customer' (KYC) verification as mandated by regulatory authorities.
  • To assess your creditworthiness and risk profile by analyzing financial data and credit reports.
  • To manage your account, process payments, and communicate with you about your loan status.
  • To comply with legal obligations, prevent fraud, and enforce our terms and conditions.
  • To inform you about new products, services, and promotional offers, subject to your consent.

3. Sharing and Disclosure of Information

  • We may share your information with credit bureaus like CIBIL to report your credit performance.
  • We may disclose information to third-party service providers for services like KYC verification, payment processing, and debt collection, under strict confidentiality agreements.
  • We are required to share information with regulatory and law enforcement authorities like the RBI when mandated by law.
  • We will not sell your personal data to any third party for marketing purposes without your explicit consent.

4. Data Security

  • We use administrative, technical, and physical security measures to protect your personal information from unauthorized access.
  • All sensitive information is transmitted via Secure Socket Layer (SSL) technology and encrypted in our databases.
  • Access to your personal information is restricted to authorized employees and agents on a need-to-know basis.

5. Data Retention

  • We will retain your personal information for as long as it is necessary to fulfill the purposes outlined in this policy and to manage your loan account.
  • Post-closure of your account, your data will be retained for a period as required under applicable laws and regulatory guidelines.

6. Your Rights and Choices

  • You have the right to access and review the personal information we hold about you.
  • You may request correction of any inaccurate or incomplete information by contacting our support team.
  • You have the option to opt-out of receiving promotional communications from us at any time.

7. Changes to This Privacy Policy

  • We may update this Privacy Policy from time to time. The updated version will be indicated by the 'Last Updated' date.
  • We will notify you of any significant changes by posting the new Privacy Policy on our website. You are advised to review this policy periodically.

Contact Information

If you have any questions, concerns, or complaints regarding this Privacy Policy or your data, please contact our Grievance Officer at: Century Vehicle Loans Private Limited, Ground Floor, Shastri Brg, opposite Polytechnic College, Nizampura, Vadodara, Gujarat 390002.