PRIVACY POLICY

• INFORMATION COLLECTED FROM USERS

  To avail certain services on the Platform, Users are required to provide certain Personal Data for the registration process including a) name, b) email address, c) phone number, d) bank details, e) employer details, f) income details, g) financial details including but not limited to bank statements, h) ID proofs, i) address proofs and any other such information as required which shall be communicated at the time the User opts for the services through the Platform. The Information supplied by the User enables us to provide financial services, improve the Platform and provide the most user-friendly experience. Further information relating to the User may also be collected from social media, instances where the customer has voluntarily communicated with the representative of the Company, has exchanged business cards with the Company with an intent to establish lines of communication with the Company or the User has signified its intent upon knowing about the Services offered by the Company. The Company does not collect or store biometric data of the Users.

• INFORMATION IN RELATION TO AUTHORIZED PERSONS

  In accordance with the Digital Personal Data Protection Act, the User has the right to designate authorized individuals to communicate with the Company on their behalf in the event of the User's death or incapacity. For verification purposes, the Company may collect Personal Data from these authorized individuals, including their name, email address, physical address, among other necessary details. This information will be requested and communicated to the authorized individual when first establishing contact.

• CIC ENQUIRY & REPORTING DISCLOSURE

  You agree and allow and give your express consent to Vivifi to procure, obtain / generate your credit report from any or all of the RBI authorised CICs (Credit Information Company) for credit assessment purposes. We will report information about your account to credit bureaus including but not limited to enquiries, on time payments, late payments, missed payments, or other defaults on your account as per the board approved policies of the Company and as required by statutory guidelines. Such information may be reflected in your credit report and potentially may impact your credit score.

• KYC DISCLOSURE

  Based on the explicit consent of the User the Company may access the KYC records of the User available at CKYCR. Information collected from CKYCR shall consist of your KYC documents including but not limited to your masked Aadhaar, PAN number or any other OVD as may be available on the CKYCR portal and as permitted to be collected under the applicable regulatory guidelines. Further on the explicit consent so received from your end we may also obtain your KYC information directly from issuing authorities or may obtain equivalent e-documents from the DigiLocker Portal. . Further, You give your express consent to perform Video KYC, supplemented by the submission of valid identity and address proof documentation, and storing your documents securely for identity and address verification as needed and as per the regulatory mandate. We retain the right to carry out KYC assessments periodically, or as deemed requisite, in our sole discretion, and to update your KYC data with regulatory authorities when required or requested.

• COLLECTION OF INFORMATION FROM ACCOUNT AGGREGATORS

  We may collect financial information that may contain your Personal Data from account aggregators based on the explicit consent provided to such account aggregators for sharing such information with Us. The Personal Data collected may include but not be limited to details relating to bank deposits including fixed deposit accounts, savings deposit accounts, recurring deposit accounts and current deposit accounts, details relating to deposits with NBFCs, details relating to mutual fund accounts etc.

• LOCATION

  Vivifi will request specific permission and consent to capture the User's location for the limited one-time purpose of KYC, verification, risk analysis and operational purposes only. The User's location will enable Vivifi to determine serviceability and perform the KYC process as required by relevant regulatory authorities.

• PHONE / DEVICE

  Vivifi will request permission to one-time capture the User's phone /device information for authentication, monitoring and fraud prevention purposes. Vivifi will collect information regarding, but not limited to, device hardware model, OS version, unique device identifiers, Wi-Fi information, mobile network information etc. This will enable Vivifi to authenticate the user, prevent unauthorized usage and mitigate fraud.

• CAMERA & MICROPHONE

  Vivifi will require the camera & microphone information permission (one-time access) to undertake video-based KYC for the customer.

• STORAGE

  Vivifi will require the storage information permission that allows the App to enable Users to upload photos and / or documents required to complete the application form during their loan application journey. The Users may be required to upload their photo ID, address proof and proof of employment. All data collected by Vivifi under this policy are stored in servers situated in India. Data will be retained only for as long as necessary to fulfil the purposes for which it was collected or as required by applicable laws and internal policies of Vivifi however, shall not exceed a period of 10 years

• INFORMATION AUTOMATICALLY TRACKED WHILE USING THE PLATFORM

  • Our Servers automatically collect limited information about your device's connection to the Internet, including your IP address, when you visit our Platform. We automatically receive and log information from the App and/or your browser including but not limited to IP address, your device or computer's name, and your operating system.
  • We may also collect log information from your device, including but not limited to your location, IP address, your device's name, device's serial number or unique identification number (e.g., UDID on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc. Our app collects and monitors specific information about your device including hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information includes network operator, roaming state, MNC and MCC codes, WIFI information includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device act on your behalf to prevent frauds.
  • To improve the responsiveness of the Platform for our User, we may use "cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer. Our partners may also assign their own cookies to your browser, a process that we do not control.
  • We may reference other sources of anonymised demographic and other information in order to provide you with more targeted communications and promotions subject to you having provided your consent to such communications and promotions. We use Google Analytics, among others, to track the User behaviour on our website and our app. Google Analytics specifically has been enabled to support display advertising to help us gain an understanding of our Users' demographics and interests. The reports are anonymous and cannot be associated with any individual's Personal Data that you may have shared with us. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings options provided by Google.

The Company does not knowingly collect any Personal Data of children or any person who suffers with disability without the parental consent or the consent of the lawful guardian respectively. If subsequently, it comes to our notice that we have collected the Personal Data of any children, person with a disability which does not bear a corresponding consent of the parent or the guardian, we shall forthwith delete such Personal Datafrom our records. Further, in case any person is aware that the Personal Data of children or person with disability is processed by us, we request you to report it forthwith to Grievance/Nodal officer.

• The Company may use the above said Personal Data to, perform, maintain, protect, and improve the Vivifi Services and for developing new services. We may use your email address and phone number without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to Vivifi App Services, billing, transaction notifications, security notifications, etc.).
• To improve our Platform the content is presented most effectively for you and your device.
• Our use of your information for direct marketing and advertising purposes is limited to the circumstances where we have received explicit consent from you in such regard.
• To ensure compliance with applicable laws including fraud monitoring, Prevention of Money Laundering Act, credit assessment of User, risk categorization of User, KYC compliance, for the purpose of disbursement and sanction of loans etc.
• Investigate and prevent fraudulent activities, unauthorized access to the Services, and other illegal activities. Undertake analysis of marketing effectiveness and other analytics projects;
• For any other purposes subject to notification to customers and Users.

The Company does not use the User's Personal Data for any other purposes, other than as specified above or if such processing is permitted under applicable laws.

The Company does not rent or sell Personal Data of any of its users except as required under applicable laws. However, the Company may share or disclose your Personal Data in the following manner:

• Sharing of Personal Data with trusted third parties and affiliates

  We may share your Personal Data with our affiliates, employees and trusted third parties who are contractually bound to provide us with services in relation to the services opted by the User . Such third parties include our vendors, consultants and auditors. In circumstances where personal data is shared with Vivifi's vendors, auditors, consultants and processors, Vivifi shall at all times remain the Data Fiduciary and such third parties shall be the Data Processors. Vivifi shall at all times remain responsible for ensuring the integrity, confidentiality and availability of the Personal Data of the User and ensuring that such third parties process the Personal Data of the User in accordance with applicable data protection laws via measures such as verifying that the third parties adhere to necessary security technical and organizational measures. Further Vivifi also ensures that all such third parties are bound by strict confidentiality clauses which are no less restrictive than as followed by Vivifi itself within its organization.

  The list of third parties with whom we may share Personal Data for business operations can be accessed at **.

• Business Transfer

  In the event the Company sells all or part of its business, transfers its assets, or is involved in a merger or a demerger in compliance with applicable laws, your Personal Data may be transferred to the relevant parties as part of the transaction without the requirement of consent from the User.

• Protection of the Company and enforcement of Contract

  The Company reserves the right to share/disclose the Personal Data of the User without their consent if such disclosure is warranted pursuant to:

  • Any investigation, enquire, order passed by any statutory, regulatory, law enforcement agencies;
  • Ensuring compliance with any adjudicative order passed by an adjudicator;
  • Enforcement of contractual rights of the Company against the User;
  • To protect the rights, property or safety of the Company, its employees, its Users and others;
  • Applicable laws including but not limited to sharing the Personal Data User with the Credit Information Companies, Account Aggregators, Central Repository of Information on Large Credits (CRILC), Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other regulatory authority.

The storage of the information by the Company is based on various factors depending upon the nature of the relation of the User with the Company, the type of Personal Data, the period of association, the risk categorization of the User in the systems of the Company, any pending disputes from the end of the client etc. However, it is assured by the Company that the Personal Data so collected is only retained till such time as would be required to fulfill the purposes of collection as provided under this policy, unless a longer retention timeline is provided under applicable laws.

• The User has the option to give , deny, withdraw consent (in circumstances where consent is the basis of processing of Personal Data) for use of specific data, restrict disclosure to third parties (save and except to the extent disclosure is required pursuant to any statutory, regulatory requirement, any judicial order mandating such disclosure or disclosure is required to such third parties who are contractually bound to provide us their services), data retention, revoke consent already granted to collect personal data and if required, make the Platform delete/ forget the data. Subject to this section, we may delete your data upon written request for the same at any stage save and except to the extent retention is mandated under applicable laws or by the State, instrumentalities of State or pursuant to a judicial order, judgement, decree. However, you may not be able to use our Services after deletion. lease also note any such denial/ withdrawal of consent may tantamount to the termination of any existing lending relationship and any obligation arising out of such early termination shall be solely on the User.
• When you use the Platform (or any of its sub sites), we make good faith efforts to provide you, as and when requested by you, with access to your Personal Data and shall further ensure that any Personal Data or sensitive Personal Data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such Personal Data or sensitive Personal Data or information to be retained by law or for legitimate business purposes. We ask individual Users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical, or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and backup systems.
• The User or the legal guardian or the parents as may be applicable, shall have readily available means of grievance redressal for addressing all grievances, requests, feedback in relation to this privacy policy and in relation to any Personal Data processed by us. Any such requests shall be raised with the Grievance/Nodal officer as has been provided under this policy.

All Personal Data relating to the User are stored only in servers located within India while ensuring compliance with statutory obligations/ regulatory instructions.

Vivifi may have a presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to our Platform or request your participation by way of feedback, or suggestions. Vivifi in this regard fully disclaims any liability (ies) or claim(s), that may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to Vivifi.

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store Personal Data. All information gathered on the Platform is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited.

All security breaches or attempts to breach and all discovered security weaknesses in information systems must be reported. Incident management process must ensure that all reported security breaches or weaknesses are responded to promptly and action taken to stop reoccurrence.

Vivifi shall develop and implement processes for preventing, detecting, analyzing and responding to information security incidents. All incidents whether of non-compliance with this policy or affecting the security of the information systems shall be reported to the appropriate level of the senior management. All such incidents shall be critically investigated to ascertain the root cause and necessary remedial measures taken to prevent such incidents in future. In addition, Vivifi shall promptly report to RBI and CERT-IN all cyber security incidents in the formats mandated by RBI, if any.

For your convenience, our websites may contain hyperlinks to external websites ("Linked Sites"). Please be advised that this Agreement does not apply to the privacy practices of these Linked Sites or any entities that we do not own or control. Linked Sites may collect information in addition to the data we gather on our websites. We disclaim any responsibility for and do not endorse any Linked Sites, the services or products they offer, or the content they provide. We strongly encourage you to review the privacy policies of each Linked Site to understand how your Personal Data will be used and protected.

We may alter our privacy policy from time to time to incorporate necessary changes in technology, and applicable law , without impacting the kind of information collected from the User and its purpose. In any case, we reserve the right to change (at any point of time) the terms of this Privacy Policy or the Terms of Use , if required under applicable laws and shall be made available on the Website. Any changes we make will be effective immediately on notice, which we may give by posting the new policy on the Site. Your use of the Platform after such notice will be deemed acceptance of such changes. We shall also make reasonable efforts to inform you via electronic mail. In any case, you are advised to review this Privacy Policy periodically on the Platform to ensure that you are aware of the latest version.

When you use the Platform or any Vivifi Service, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail, sms, calls or by posting notices on this site or through the other Services. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. In the event you no longer want to receive communications from us, you agree to notify us directly.

All content included in or made available through the Platform or any Vivifi Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, and data compilations is the property of Vivifi or its content suppliers and protected by Indian copyright laws. The compilation of all content included in or made available through the Platform, or any Vivifi Service is the exclusive property of Vivifi India Finance Pvt Ltd and protected by Indian copyright laws.

Vivifi (including the Vivifi logo), FlexSalary, FlexPay and all related logos are trademarks, service marks, or licensed brands of Vivifi India Finance Pvt Ltd. Nothing on this Platform should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the trademarks displayed on this Platform, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Platform unless in accordance with written authorization by us. We prohibit use of any of the Vivifi trademarks, service marks or licensed brands as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance. Any questions concerning any Vivifi trademarks, or whether any mark or logo is a Vivifi trademark, should be referred to Vivifi India Finance Pvt Ltd.

If you use the Platform or any Vivifi Service, you are responsible for maintaining the confidentiality of your account and password for restricting access to your computer, phone or any other device you may use to access this Web site or your account with us, and you agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. By installing, accessing, and using this Platform, you represent that you are at least eighteen (18) years of age and are legally allowed to enter into a contract in India, and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Platform, including, without limitation, when you use Services provided.

If you provide any false, inaccurate, untrue, or incomplete information, Vivifi reserves the right to terminate your access and use of this Platform. In addition, you agree to abide by all applicable local, state and national laws and regulations with respect to your use of this Platform and agree not to interfere with the use and enjoyment of this Platform by other users and Vivifi's operation or management of this Platform.

Visitors may post on the Company's Web site or anywhere the Company's apps are listed, reviews, comments, photos, send communications, and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead.

If you do post content or submit material, and unless we indicate otherwise, you grant the Company a nonexclusive, royalty-free, perpetual, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant the Company the right to use the name that you submit in connection with such content. You represent and warrant that you own or otherwise control all the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify the Company for all claims resulting from content you supply. The Company takes no responsibility and assumes no liability for any content posted by you or any third party. Notwithstanding this right and license, it is understood that by merely permitting your information, content, and materials to appear on this Platform, Vivifi has not become and is not a publisher of such information, content, and materials.

Vivifi welcomes your feedback and suggestions about how to improve the Platform. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to Vivifi, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to Vivifi. In addition, any feedback received through this Platform will be deemed to include a royalty-free, perpetual, transferable, non-exclusive right and license for Vivifi to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary. You are advised to exercise discretion before you make such details public, as such information is vulnerable to misuse and can be easily misused.

The Company has the right but not the obligation to monitor and edit or remove any activity or content. Vivifi assumes no responsibility for the deletion of or failure to store any message.

If you are consuming the content on the Platform, you must use your best judgment and reasonable caution in evaluating all third-party postings or other content on the Platform. Vivifi does not endorse, oppose, or edit any opinion or information provided by a user or third party, with the exception of removing temporarily or deleting what appears to be potentially unlawful content or content otherwise prohibited under this policy. Vivifi does not make any representation with respect to, nor does it endorse the accuracy, completeness, timeliness, or reliability of any advice, opinion, statement, or other material displayed, uploaded, distributed by any user of, or third-party contributing materials to, this Platform. Vivifi expressly disclaims all responsibility and liability for such postings, information, and material.

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

You must not

• Establish a link from any website that is not owned by you
• Cause the Platform or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• Link to any part of the Platform other than the homepage.
• Otherwise take any action with respect to the materials on this Platform that is inconsistent with any other provision of these Terms of Use

The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

Use of the Platform or any Vivifi Service is unauthorized in any jurisdiction that does not give effect to all provisions of the Agreement. This Platform is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. The offer of this Platform or any Vivifi service is not a distribution or solicitation by Vivifi to any person to use the Platform or any Vivifi service in jurisdictions where the provision of the Platform and its contents is prohibited by law.

Actual or attempted unauthorized use of the Platform may result in criminal and/or civil prosecution. Vivifi reserves the right to view, monitor, and record activity on the Platform without notice or permission from You. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Platform. Vivifi will also comply with all court orders.

You acknowledge, consent and agree that Vivifi may access, preserve, and disclose the information we collect about You if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to :

• comply with legal process and respond to governmental investigations
• Comply with the orders passed by courts/tribunals/any other body of judicial and quasi-judicial nature or of regulatory or supervisory function.
• carry out actions as required for the purpose of ascertaining your financial information and assets and liabilities for recovery, in the event of default under the Loan Agreement Terms
• enforce the Agreement
• respond to claims that any information, services, or content violated the rights of the third parties
• respond to your requests for customer service
• protect the rights, property, or personal safety of Vivifi, its users and the public.

The information, software, products, and services included in or available through the Platform may include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. Vivifi may make improvements and changes to the Platform at any time.

To the maximum extent permitted by applicable law, in no event shall Vivifi be liable for any direct, indirect, punitive, incidental, special, or consequential damages, or any damages whatsoever, including, without limitation, damages for loss of use, data, or profits arising out of or in any way connected with the use or performance of the Platform, with the delay or inability to use the Platform or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Platform, or otherwise arising out of the use of the Platform, whether based on contract, negligence, strict liability or otherwise, even if Vivifi has been advised of the possibility of damages. If you are dissatisfied with any portion of the Platform or the agreement, your sole and exclusive remedy is to discontinue using the Platform.

Vivifi makes no representations about the suitability, reliability, availability, timeliness, and accuracy of the , software, , and related graphics contained on the Platform for any purpose . To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided "as is" without warranty or condition of any kind. Vivifi hereby disclaims all warranties and conditions with regards to this information, software, , , and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

Additionally, there are no warranties as to the results of your use of the content. Vivifi does not warrant that the Platform is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction, or modification under the laws applicable to this agreement. Use of this Platform is at your own risk.

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

You agree to indemnify, defend, and hold harmless Vivifi India Finance Pvt Ltd, its officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all costs, claims, damages, demands, expenses, liabilities, or losses, including reasonable attorneys' fees and costs, incurred by Vivifi in connection with a third-party claim that occurs as a result of your violation of this Agreement. You further agree that you will cooperate fully in the defence of any such claims. The Company reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Vivifi.

Failure by Vivifi to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.

This Agreement will take effect at the time you begin installing accessing, or using this Platform, whichever is earliest. This Agreement is effective until terminated by Vivifi. Vivifi may terminate this Agreement at any time without notice, or suspend, or terminate your access and use of the Platform at any time, with or without cause, in Vivifi's absolute discretion and without notice. The following provisions of the Agreement shall survive termination of your use or access to the Platform: the sections concerning Indemnification, Disclaimer of Warranties, Liability Disclaimer, Waiver, Applicable Law and Dispute Resolution, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Platform.

Unless otherwise specified herein, this agreement constitutes the entire agreement between you and Vivifi with respect to the Platform and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Vivifi with respect to the Platform. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

If you have questions regarding this Web site or if you are interested in obtaining more information concerning Vivifi please contact us at [email protected].

In accordance with Digital Lending Guidlines issued by the RBI for the name and contact details of the Grievance/Nodal Officer is provided below: