Privacy Policy

1 Who we are

Prarvi Consultancy is a loan consultancy — we compare offers across 30+ banks and NBFCs and help you get to the right one, from our offices in Manjalpur, Vadodara and Ellisbridge, Ahmedabad, or entirely over phone/WhatsApp if you're elsewhere in Gujarat. We are not a bank or NBFC ourselves; we're the team that does the comparing, documentation, and follow-up on your behalf.

This policy explains what happens to your information the moment you fill a form on this website, message our chatbot, call us, or walk into either office — and it's written to align with India's Digital Personal Data Protection Act, 2023 (DPDP Act).

2 Information we collect

We only ask for what a lender genuinely needs to evaluate your case. Depending on which service you use, that can include:

What you give us directly

• Contact details — name, phone number, email address, city.
• Loan details — the loan type, amount, and purpose you're enquiring about.
• Identity & income documents — PAN, Aadhaar, salary slips, ITRs, bank statements, or similar, only once your enquiry moves toward an actual application, and only what the specific lender you choose asks for.
• Credit information — with your explicit consent, your CIBIL/credit bureau score, to shortlist lenders who are realistically likely to approve you.
• Career applications — resume, work history, and references, if you apply for a job with us.
• Feedback — anything you choose to tell us about your experience, and whether we may quote it publicly.

What we collect automatically

• Device & usage data — browser type, approximate location from IP, pages viewed, and time spent — but only once you've accepted analytics cookies in our cookie banner.
• Submission metadata — the date, time, and IP address attached to a form submission, mainly to catch spam and fraud attempts.

3 How we use it

• To understand your loan requirement and match you with suitable banks/NBFCs.
• To prepare and forward your application, and coordinate documentation between you and the lender.
• To contact you by call, SMS, WhatsApp, or email about your enquiry, application status, or a service you asked about.
• To respond to job applications, feedback, and general questions submitted through the site.
• To keep the site secure — spam filtering, fraud prevention, and bot detection (reCAPTCHA).
• To understand, only with your cookie consent, which pages and services people actually find useful, so we can improve them.

We do not use your information to run ads targeting you, and we do not build an advertising profile of you.

4 Our use of AI & automation

Like most modern service businesses, a few parts of how we work involve automation or AI — we'd rather tell you plainly than bury it in fine print:

• Website chatbot — the chat widget on our site follows a scripted, rules-based flow to collect your enquiry details and route them to our team. It does not generate free-form financial advice, and every lead it captures is reviewed and followed up by a human advisor.
• Spam & bot detection — Google reCAPTCHA runs an automated risk score on form submissions to block bots and abuse. This never affects your loan eligibility — it only decides whether a submission looks human.
• No automated lending decisions — we do not use AI or any automated system to approve, reject, or price your loan. Every bank/NBFC we work with makes its own underwriting decision, through its own process, with human sign-off.
• Internal drafting tools — our team may use AI-assisted tools to draft routine communication (like acknowledgement emails) faster. These tools never see your documents or financial data — only what's needed to draft a message, and a person reviews it before it reaches you.

If this changes — for instance, if we ever introduce AI-assisted pre-screening — we'll update this section and flag it clearly, not quietly.

5 Who we share it with

We share personal data only where it's genuinely needed to deliver the service you asked for:

• Banks & NBFCs — the lender(s) relevant to your enquiry receive the details needed to process your application. We don't blast your information to every partner on our panel — only the ones your case is actually routed to.
• Credit bureaus — such as CIBIL, Experian, Equifax or CRIF, but only when you've consented to a credit check.
• Service providers who work for us — our email and communication infrastructure providers, purely to deliver messages; they don't get to use your data for their own purposes.
• Regulators or law enforcement — only where legally required, such as under a valid court order or statutory request.

6 Cookies & tracking

Our cookie banner (you would have seen it on your first visit) puts you in control before anything non-essential loads. We use two categories:

You can change your mind any time via the "Cookie Preferences" link in the site footer.

7 How we protect it

• All data submitted through this website travels over an encrypted (HTTPS) connection.
• Sensitive configuration and credentials are kept outside the publicly accessible part of our server, never in a location a browser could ever reach.
• Access to your documents and application details is limited to the advisor(s) actually working on your file.
• No system is 100% breach-proof, and we won't pretend otherwise — but we treat your financial information with the same seriousness we'd want for our own.

8 How long we keep it

We keep enquiry and application data for as long as your case is active, plus a reasonable period afterward to handle any follow-up, dispute, or regulatory requirement — typically not longer than what applicable law requires for financial records. Data from enquiries that never progress (for example, a form filled but never followed through) is periodically reviewed and purged. Career applications we don't move forward with are retained for a limited period in case a suitable role opens up, then deleted.

9 Your rights

Under the DPDP Act and as a matter of how we'd want to be treated ourselves, you can ask us to:

• Show you what personal data we hold about you.
• Correct anything that's inaccurate or outdated.
• Delete your data, once it's no longer needed for an active application or a legal obligation.
• Withdraw consent for anything we asked permission for — like a credit check or marketing contact — without affecting an application already underway on the terms you originally agreed to.

Send these requests to contact@prarviconsultancy.com — see Section 13 for our full grievance process.

10 Children's privacy

Our services are meant for adults capable of entering a financial agreement (18+ in India). We don't knowingly collect information from anyone below that age. If you believe a minor has submitted information to us, write to us and we'll remove it.

11 Links to other sites

Our site links out to things like Google Maps, our social pages, and occasionally a lender's own website. Once you leave prarviconsultancy.com, that site's own privacy policy applies — we don't control and aren't responsible for how they handle your data.

12 Changes to this policy

We'll update this page whenever our practices genuinely change, and update the "Last updated" date at the top when we do. For any change that meaningfully affects how we use your data, we'll make a reasonable effort to flag it prominently rather than let it slide by silently.

13 Grievance Officer & contact

Questions, requests, or a complaint about how your data has been handled — all of it comes to the same place, and we treat data grievances with the same urgency as a loan query: