The data points collected and generated by us would be used only for internal purposes and would not be shared without your consent.

Data by which you are identified is termed as "Personal Data". Personal Data does not mean information that is freely available or accessible in public domain.

Your Privacy is of utmost importance to us and protection of your Personal & Business Data is a key commitment for us.

We are governed by the provisions of applicable law in India including the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data.

I. Personal DataPersonal Data we may collect from you are as under:

  1. Personal details (e.g. name, contact details including, residential address, date of birth, documents such as identity card / passport details / Aadhaar details / PAN / Voter ID / driving license, and/or education details) provided by you to us to avail various products/services from us.
  2. Your details including transaction history, balances, payment details, for effecting transfer of money through various payment channels provided by us.
  3. financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services;
  4. images of documents/ photos required to avail any of our products/services.
  5. voice recordings of our conversations as needed to support or provide contextual services
  6. employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for credit/various product evaluations or required under applicable law
  7. specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels;
  8. opinions provided by you to us by way of feedback or responses to surveys;
  9. information obtained from your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), transactional and promotional SMS/app notifications.
  10. De-identified information is maintained and stored for better customer services, customer group preferences and aggregated spend analysis. Cannot be deconstructed to identify individual users or their specific mobile devices

II. Sharing of your Personal Data

Any Personal Data that we have access to shall never be shared to any external party without your consent except for conditions arising from regulatory or legal compliances

In various processes / submission of applications / availment of product/service offerings, we seek your explicit consent to share your Personal Data to external lenders and merchants.

In our business and operational processes, we only share the data on a partial and "need-to-know" basis to designated personnel or partners or service providers.

We will share your data in encrypted format to

  1. the lender only to the effect of determining your credit behaviour
  2. the external merchants only to the effect of creating personalized offers and proving contextual advertisements

Explicit consent would be taken from users before sharing the data. Aggregated data would be shared without identifying the users or their mobile devices individually.

III. Usage of Your Personal Data We use your Personal Data in our business activities for providing our or our partners’ products/services and to perform, among other actions, the following:

  1. to facilitate the transactions or report on these transactions;
  2. to undertake research and analytics for offering or improving our products/services and their security and service quality;
  3. to check and process your requirements submitted to us for products/services and/or instructions or requests received from you in respect of these products/services;
  4. to share with you, updates on changes to the products/services and their terms and conditions;
  5. to take up or investigate any complaints/claims/disputes;
  6. to respond to your queries or feedback submitted by you;
  7. to verify your identity for us to provide products/services to you;
  8. to carry credit checks, screenings or due diligence checks as lawfully required by us;
  9. to monitor and review products/services from time to time;
  10. to undertake financial/regulatory/management reporting, and create and maintain various risk management models;
  11. for conducting audits and for record keeping purposes;
  12. for selective offers and promotions.

External processing: We may provide your personal information to our affiliates or other trusted businesses or persons or service providers engaged by us, or institutions that we partner with to assist us with providing you with products/services to better serve your needs and interests, based on your instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures.

We also use your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.

IV. Purging of your Personal Data

  1. You may delete your vCard account at any point of time by making such choice in the vCard’s desktop website, mobile WAP site or mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law.
  2. The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.

V. Cookie Policy

  1. Please note that a "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
  2. We may use cookie and tracking technology depending on the features offered.
  3. No Personal Data will be collected via cookies and other tracking technology; however, if you previously provided Personal Data, cookies may be tied to such information.

VI. Links to other websites Our website may contain links to other websites which are not maintained by us. This privacy policy only applies to us. You are requested to read the other website's privacy policies when visiting these websites.

VII. Reasonable Security Practices and Procedures We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. In the unlikely event of data breach or a malware attack, vCard shall take the necessary corrective actions in line with the industry practices.

VIII. Contact us You may contact us on any aspect of this policy or for any discrepancies/grievances with respect to your Personal Data, by writing to us at or in person at 8-2-672/5&6, Road No. 1, Banjara Hills, Hyderabad - 500034, Telangana, INDIA.

IX. Policy Review & Updates This policy will be reviewed by us as and when required and the same may change at any time. The latest & most updated policy can always be found at

While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.

This Privacy Policy shall apply uniformly to vCard’s desktop website, mobile WAP site & mobile applications

In this policy, the words "we", "ours" and/or "us" refer to Tensor Fields Consultancy Services Private Limited and "you" and/or "your" refer to our customers.