Vivifi's practices and policies with respect to the collection and use of personally identifiable information are governed by Vivifi's Privacy Policy. Vivifi considers your personal identifying information to be private and operates this Website by keeping any collected personal identifying information confidential. Nevertheless, you understand, acknowledge, and agree that the operation of this Website requires the submission, use, and dissemination of various personal identifying information. Accordingly, your use of this Website constitutes acceptance of Vivifi's personal identifying information collection and use practices. The details of which are listed below.


    To avail certain services on the App, users are required to provide certain personally identifiable information for the registration process includes a) your 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. The Information as supplied by the users enables us to provide financial services, improve the Vivifi App Services and provide the most user-friendly experience.


    Vivifi will request specific permission and consent to capture the user's location for the limited 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.


    Vivifi will request permission to 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.


    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.


    Vivifi will require the camera & microphone information permission to provide the user with an easy / smooth experience and to enable users to click photos of their KYC documents along with other requisite documents and upload the same on the App during the loan application journey. Camera & microphone access will also be required to undertake video based KYC for the customer.


    The Company may use the above said user information to, maintain, protect, and improve the Vivifi App 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 etc.).

The borrower shall be provided with an option to give or deny consent for use of specific data, restrict disclosure to third parties, data retention, revoke consent already granted to collect personal data and if required, make the app delete/ forget the data. Subject to this section, we may delete your data upon reasonable written request for the same at any stage. However, you may not be able to use our services after deletion. Even after deletion, we may retain and use your basic personal information such as name, contact number, transactional details and address details as may be necessary to comply with legal obligations, resolve disputes, and enforce agreements which shall always be in accordance with applicable laws.

In case you choose to decline to submit personally identifiable information on the Vivifi App/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time.

  • We may reference other sources of anonymised demographic and other information in order to provide you with more targeted 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 personally identifiable information 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.

  • Our Servers automatically collect limited information about your device's connection to the Internet, including your IP address, when you visit our Site or use the App. 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.

  • To improve the responsiveness of the Site for our users, 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.


When you use the Vivifi App Services Site (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 information and shall further ensure that any personal information 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 information 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 may remain in our backup systems.


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 Vivifi App 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 all cyber security incidents in the formats mandated by RBI.


We may alter our privacy policy from time to time to incorporate necessary changes in technology, applicable law or any other variant. 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. 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 Vivifi App Services after such notice will be deemed acceptance of such changes. We may also make reasonable efforts to inform you via electronic mail. In any case, you are advised to review this Privacy Policy periodically on the Site to ensure that you are aware of the latest version.


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 Website, 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 Website 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 Website: 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 Website.


When you use the Website 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, Whatsapp, 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 Website 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 Website, 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), Vivifi, FlexSalary, FlexPay and all related logos are trademarks, service marks, or licensed brands of Vivifi India Finance Pvt Ltd. Nothing on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the trademarks displayed on this Website, 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 Website 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 Website or any Vivifi Service, you are responsible for maintaining the confidentiality of your account and password and 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 Website, 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 Website, 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 Website/Digital Lending Application. In addition, you agree to abide by all applicable local, state and national laws and regulations with respect to your use of this Website and agree not to interfere with the use and enjoyment of this Website by other users and Vivifi's operation or management of this Website.


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 Web site, 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 this site. 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 site 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.

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 website, you must use your best judgment and reasonable caution in evaluating all third-party postings or other content on the Web site. 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 Web site. Vivifi expressly disclaims all responsibility and liability for such postings, information, and material.

Linking to/ from the Website and Social Media Features:

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 Website 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 Website other than the homepage.
  • Otherwise take any action with respect to the materials on this Website 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 Website or any Vivifi Service is unauthorized in any jurisdiction that does not give effect to all provisions of the Agreement. This Website 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 Website or any Vivifi service is not a distribution or solicitation by Vivifi to any person to use the Website or any Vivifi service in jurisdictions where the provision of the Website and its contents is prohibited by law.


Actual or attempted unauthorized use of the Web site may result in criminal and/or civil prosecution. Vivifi reserves the right to view, monitor, and record activity on the Web site 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 Web site. 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
  • 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.

Your correspondence or any other dealings with third parties found on this Web site are solely between you and such third party. Vivifi expressly disclaims responsibility and liability for all third party provided materials, programs, products, and services contained on or accessed through this Web site, and you agree that Vivifi shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such third parties on this Website.


The information, software, products, and services included in or available through the website may include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. Vivifi may make improvements and changes to the website 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 website, with the delay or inability to use the website or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the website, or otherwise arising out of the use of the website, 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 website or the agreement, your sole and exclusive remedy is to discontinue using the website.


Vivifi makes no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the website 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, products, services, 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 site 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 site is at your own risk.


You agree and allow and give your express consent to Vivifi to procure, obtain / generate your credit report from any 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 provided by the authorised regulatory bodies. Such information may be reflected in your credit report and potentially may impact your credit score.


You allow and give your express consent to Vivifi to retrieve CKYC records from CERSAI including your CKYC number and all documents available with CERSAI. If, however, no records are available with CERSAI, you give your express approval to upload any and all KYC documents provided by you and verified by us to CERSAI in regards to the KYC guidelines issued by the Reserve Bank of India and/or any other regulatory bodies applicable. 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. 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.


Vivifi reserves the right to change the Agreement under which the Website or any Vivifi Service is offered at any time for any reason. Vivifi will notify you of any such changes by posting the revised Agreement on the Website. You should check this Agreement periodically for changes.

All changes are effective upon posting.


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 our app, accessing, or using this Website, 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 Website 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 Website: 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 Website.


Unless otherwise specified herein, this agreement constitutes the entire agreement between you and Vivifi with respect to the Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Vivifi with respect to the Website. 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 Integrated Ombudsman Scheme for Non-Banking Financial Companies, 2021 and rules made there under, the name and contact details of the Grievance/Nodal Officer are provided below:

Name: Prakash Ranjan
Address: Unit A, 9th Floor, MJR Magnifique, Survey No 75 & 76, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana - 500008
Phone: +91-91211-96333
Email: [email protected]