Review these Terms of Service ("Agreement") thoroughly. This Agreement is a legal agreement between the User and VahanYaar. By accepting electronically (for example, clicking “I Agree”), installing, accessing or using the Services, the User agrees to these terms. If the User does not agree to this Agreement, then he/she may not use the Services. This License Agreement shall be governed by and construed in accordance with the laws of India.

These terms may be updated from time to time in the future. The User should agree to review our Terms and Conditions regularly by visiting this page. Continued access to or use of the service will mean that the User agrees to the change.

Its liability to the User is limited to those who have downloaded the VahanYaar application by clicking on the “I Agree/Login” button for Terms and Conditions.

We provide an array of services including Inventory management, Invoicing, Reporting tool, Estimate/Order Form creator, and so on to serve as a complete business management software ("Service" or "Services"). The User may use the Services for his/her personal and business use or for internal business purposes in the organization that he/she represents. The User may download the application from the Official website/ Google Play Store using the Internet. Once downloaded, the User no longer needs an internet connection for its usage. A User can create and add content to his/her account staying offline. But, the User is responsible for obtaining access to the Internet and the device necessary to use the Services. (Side Note: VahanYaar tries its best to make Businesses compliant with taxation and other laws as much as possible. But, it is solely the User’s responsibility to ensure compliance with GST and other laws levied by the Government. VahanYaar is not responsible for any violation of compliance caused by the software.)

The User alone is responsible for maintaining the confidentiality of his/her username, password, and other sensitive information. He/She is responsible for all activities that occur in his/her user account and he/she agrees to inform us immediately of any unauthorized use of their user account by email to vahanyaar@gmail.com or by calling us on any of the numbers listed on www.vahanyaar.com.We are not responsible for any loss or damage to his/her or any third party incurred as a result of any unauthorized access and/or use of his/her user account, or otherwise. We are neither responsible for any kind of data loss as performing necessary backups on data is solely the User’s responsibility. VahanYaar is not responsible for any kind of data discrepancy or any type of loss caused due to data discrepancy/software issues.

The User owns the content created or stored by his/her as we respect his/her right to ownership of content created or stored by them. The User's use of the Services does grant VahanYaar the license to use, reproduce, adapt, modify, publish or distribute the content created by them or stored in the user’s account for VahanYaar internal purposes. VahanYaar tries to keep Users' data safe but holds zero responsibility in case of data leaks.

Camera: To take the picture of vehicles & documents to be attached with transactions.

Contacts: This app collects contact information like number of contacts on the device with a phone number and without a phone number. In addition to it, the app collects other non-personal information to understand the risk profile of the user and enable credit facility.
 This app doesn't upload your contacts information like names, phone numbers, emails addresses and other personal information to our servers.

Storage: This app collects metadata of files on your device like file names, types, created times, last updated times for credit profile enrichment.

Location: This app collects location details to verify your location & current address, to ensure serviceability and to identify unusual activity to prevent against any fraud, we do not collect location when app is in background.

SMS: This app collects SMS data like sender names, SMS body, received time to understand your income, spending patterns and automatically fetch your expenses, bills, credits. We do not read any personal or OTP messages.

Device and Personal info: This app collects and monitor specific information about users' Phone Number and your device including your hardware model, masked phone numbers, operating system and version, unique device identifiers like IMEI and serial number, user profile information to uniquely identify the devices and ensure that unauthorized devices are not able to act on your behalf to prevent frauds.

Accounts: This app collects and monitor list of account information like account names, account types in your device for credit profile enrichment.

Apps: This app collects details of your installed applications to understand your profile. This helps us give quicker approvals and higher credit limits.

Call logs: This app uses call logs permission to validate your phone number using missed call. In addition to it, details of your aggregated call information is collected to understand your profile. This helps us give quicker approvals and higher credit limits. We do not read the phone numbers or any personal information.

Calendar: This app collects event data on your calendar for credit profile enrichment.

This is how we will use your contact permissions:

(i) We allow users to sync their contacts from mobile to desktop, the contact permissions will be used to facilitate this.

(ii) We will show parties that are already VahanYaar users, to show you your potential buyers and suppliers.

We will use SMS data like sender names, SMS body, received time to understand your income, spending patterns and automatically fetch your expenses, bills, credits. We do not read any personal or OTP messages.
 We collect and monitor SMS sent by 6-digit alphanumeric senders from your inbox to understand your income, spending patterns and automatically fetch your expenses, bills, credits. We collect your historical SMS data as well, as this process will enable you to take financial facilities like loans, credit cards from the regulated financial entities available on the platform. We do not read any personal or OTP messages.

We collect and monitor the information about the location of your device to provide serviceability of your loan application, to reduce the risk associated with your loan application and to provide pre-approved customised loan offers. This also helps us to verify the address, make a better credit risk decision and expedite the know your customer (KYC) process. Information the App collects, and its usage depends on how you manage your privacy controls on your device. When you install the App, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the App and explicitly seek permissions from You to get the required information from the device.
 The information we collect from your device includes the users' phone number, masked phone numbers, hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorized device acts on your behalf to prevent frauds.

We collect a list of the installed applications’ metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your creditworthiness and enrich your profile with pre-approved customized loan offers.

The images uploaded by users in VahanYaar App are stored on our servers so they can be accessed from multiple devices. We do this to enhance your user experience and make it seamless.

We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can then easily upload the correct KYC related documents for faster loan application details filling and disbursal process. This ensures that you are provided with a seamless experience while using the application.

We require the camera information permission to provide you with an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.

We automatically track certain information about you based upon your behaviour on our Platform. We use this information to do internal research on our users’ demographics, interests, and behaviour to better understand, protect and serve our users and improve our services. This information is compiled and analysed on an aggregated basis. We also collect your Internet Protocol (IP) address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, and your IP address.
 Cookies are small data files that a Website stores on Your computer. We will use cookies on our Website similar to other lending websites/apps and online marketplace websites/apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website. If you choose to make a purchase through the Platform, we collect information about your buying behaviour. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.
 If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we collect such information into a file specific to you.

The VahanYaar Platform has a link to a registered third-party SDK that collects data on our behalf and data is stored on a secured server to perform a credit risk assessment. We ensure that our third-party service provider takes extensive security measures in order to protect your personal information against loss, misuse, or alteration of the data.

In addition to the General Conditions of VahanYaar App service, a User agrees to be bound by the following terms and conditions:
 (i) The User agrees to receive promotional, transactional, and commercial communications from VahanYaar through calls, email, SMS, or push notifications.
 (ii) Under certain conditions, promotional messages are transmitted to the users, and VahanYaar shall not bear any further obligation in respect of such promotional messages.

If you have any questions or concerns regarding this Agreement, please contact us at vahanyaar@gmail.com