Privacy Policy
Last updated: 22/01/2026
This Privacy Policy (“Policy”) explains how Vikram Boards & Papers Private Limited (“Vikram Boards”, “we”, “us”, or “our”) collects, uses, stores, processes, discloses, and protects personal information of users (“you”, “your”) who access or use our website, digital platforms, systems, applications, or services.
Vikram Boards is engaged in distressed asset acquisition, delinquency management, loan resolution, recovery advisory, and related financial services, and operates in compliance with applicable Indian laws and regulatory guidelines, including those issued by the Reserve Bank of India (RBI).
1. Applicability
- Visitors to our website
- Investors, lenders, portfolio sellers, and counterparties
- Borrowers and customers whose loan accounts are serviced or managed by us
- Collection agencies, service providers, and business partners
- Any individual whose data is processed by Vikram Boards in the course of its operations
2. Information We Collect
2.1 Personal Information
- Name, address, date of birth, gender
- Phone number, email address
- Government-issued identifiers (PAN, Aadhaar or masked Aadhaar, KYC documents)
- Bank account details, payment identifiers
- Employment and income details
2.2 Financial & Credit Information
- Loan account details, outstanding amounts, repayment history
- Credit bureau data (CIBIL, Experian, Equifax, CRIF)
- Settlement, waiver, legal, and recovery status
2.3 Technical & Usage Information
- IP address, device identifiers, browser type
- Website usage logs and interaction data
- Cookies and similar tracking technologies
2.4 Information from Third Parties
- Originating lenders, banks, NBFCs, ARCs
- Credit bureaus and information utilities
- Collection agencies, legal firms, and service providers
3. Purpose of Collection and Use
- Acquisition, management, and resolution of distressed loan portfolios
- Credit assessment, risk evaluation, and analytics
- Collection, recovery, settlement, and enforcement activities
- Customer communication, grievance handling, and service delivery
- Regulatory reporting and statutory compliance
- Fraud prevention, audit, and internal controls
- Platform operations, security, and system improvements
4. Legal Basis for Processing
- Your consent (where applicable)
- Performance of contractual obligations
- Compliance with legal and regulatory requirements
- Legitimate business interests related to financial services and recovery
5. Disclosure and Sharing of Information
- RBI-regulated entities, banks, NBFCs, ARCs
- Credit bureaus and information utilities
- Collection agencies, legal counsel, and recovery service providers
- Technology vendors, payment gateways, and analytics providers
- Government authorities, regulators, or courts when required by law
All disclosures are made strictly on a need-to-know basis and subject to confidentiality obligations.
6. Data Storage and Security
- Role-based access controls
- Data encryption and secure hosting environments
- Audit trails and monitoring
- Contractual data protection obligations with vendors
Data is stored only for as long as required for legal, regulatory, or business purposes.
7. Cookies and Tracking Technologies
- Improve functionality and user experience
- Monitor traffic and usage patterns
- Enable secure access to platform features
8. Your Rights
- Request access to your personal data
- Seek correction or updating of inaccurate information
- Withdraw consent where processing is consent-based
- Raise grievances or complaints regarding data usage
9. Grievance Redressal Officer
Name: Mr. N. G. Shivram
Designation: Chief Operating Officer (COO)
Company: Vikram Boards & Papers Private Limited
Email: customercare@craidit.in
Address: 52 'C', 2nd Floor, Raj Industrial Estate, Military Road, Marol, Andheri (E), Mumbai 400059
All grievances will be acknowledged and addressed within the timelines prescribed under applicable law.
10. Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of such external sites.
11. Policy Updates
We reserve the right to update this Privacy Policy from time to time to reflect changes in law, regulation, or business practices.
12. Governing Law
This Privacy Policy shall be governed by and construed in accordance with the laws of India. Courts at Mumbai shall have exclusive jurisdiction.