Rupigrow Privacy Policy
1. BACKGROUND:
This Privacy Policy (“Privacy Policy”) describes the practices and policies of Rupigrow in relation to collection, use, processing, storage, retrieving, disclosure, or transfer of your information, including personal information and sensitive personal data or information that Rupigrow may receive through your access, interaction, or use of our website, mobile application, or any other medium through which we offer our Services (collectively, the "Platform").
The Company is a Non-Banking Financial Company (“NBFC”) registered with RBI and having registered office at A-703 & B-704, 7th Floor, "The Qube" 86/19 OFF M V Road, CTS NO. 1498, Near Chimatpada Gurudwara, Marol Andheri (East), Mumbai - 400059, Maharashtra.
Our Privacy Policy is subject to change from time to time, and we will make all reasonable efforts to intimate and update our customers (“you” and “your”) of any changes. It is strongly recommended that you review our Privacy Policy as available on the Platform. In case you need any clarifications regarding this Privacy Policy, please do not hesitate to contact us at [email protected].
By using the Platform and/or by providing your information, you consent to the collection, use, storage, and transfer of the information disclosed by you in accordance with this Privacy Policy.
2. INFORMATION COLLECTED AND USED BY THE COMPANY
The information collected by the Company would fall under either of the two categories:
- (a) Data provided by you:
- (i) Data provided by you on the Platform.
- (ii) Data provided while corresponding with us over e-mail, chat, or call.
- (iii) Data and information you provide when you register to use the Platform or any of our Services, search for a Service, or when you report a problem with our Application or our Services.
- (iv) Your name, address, gender, date of birth, e-mail address, phone number, username, password, and other registration information.
- (v) Identity Proof and address Proof such as PAN Card, proof of possession of Aadhaar Card, financial information such as employer name, monthly salary, bank account number, bank statements, credit information, copies of identification documents, etc.
- (vi) Data generated by your usage of our website and associated internet applications.
- (vii) The data provided by you inter alia enables us to create your profile, complete your KYC requirements, offer you the Services, and provide you with customized support.
- (b) Information we may collect with your explicit consent in order to render our services including but not limited to the following:
- (i) Credit Information: With your consent, we collect information from credit information companies, which would help the Company in customer verification and due diligence.
- (ii) Device Information: We may collect Information related to the electronic device you use to access the Portal, such as your device's internet protocol (IP) address, browser type, operating system, software, device type, device ID, device international mobile equipment identity (IMEI), and date and time at which you visit the Portal or avail the Services. This helps us learn about and verify your identity as well as detect and prevent fraud.
- (iii) Data related to Performance of the Application: In addition to the above, we also track and collect the data related to the performance of the Application and other diagnostic data for identifying and resolving any technical glitches that may be identified from such data and also for improving the overall functionality of the Application.
- (iv) SMS: We may need access to the SMS functionality in your device for the purposes of activation of certain Services on your device. We may periodically collect transactional SMSs.
- (v) Location: We may receive, collect, and analyze your location information, which may be accessed through a variety of methods including, inter alia, GPS, IP address, and cell tower location and, your precise location based on GPS data.
- (vi) Cookies and similar technologies: 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. 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.
- (vii) Third Party Information: We may also work closely with third-party business partners, technical sub-contractors, analytics providers, search information providers, account aggregator, etc. and may lawfully receive Information about you from such sources. Such Information may be combined with Information collected on the Portal and such other Information as provided in this Policy.
- (viii) Other Information: We may also collect your Information via other sources, such as delivery address or contact Information from our partners, Information from our payment service providers, public records, publicly available sources or internet sites, vendors, data suppliers and service providers, commercially available marketing lists or registries, telephone directories, social network, news outlets and other related media.
- We may use your data (as mentioned above) for various things, including specific business purposes ("Services"), which will include the following:
- to provide services that might be required by the customer,
- to process the customer’s financial and non-financial transaction requests,
- to undertake research and analytics for offering or improving the Company’s services,
- to check and process the user’s application for availing any financial services,
- to share any updates/changes to the Services and the terms and conditions with the user/customer,
- to take up and investigate any complaints/claims/disputes,
- to respond to queries and feedback submitted by you,
- for verification of your identity as per the internal policies including KYC,
- to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by the Company.
The Company would retain the data submitted/collected by you for such a reasonable period as would be necessary for it to deliver its Services, also taking into account the Company’s need to answer queries or resolve problems, provide improved and new services, and comply with legal requirements under applicable laws.
Where possible, you shall have the option to restrict disclosure to third parties. However, where sharing of information to a particular third party is necessary for providing the products and/or services, you shall not be able to avail such products and/or services in case you decide to restrict such disclosure.
Following are the third parties to whom your information may be shared for providing/enabling the products and/or services:
- Type of Third Party
- Description
- Group companies of the Company
- We may share your information with our affiliates and group companies in order to efficiently provide certain products and/or services or particular features, for internal corporate/business restructuring purposes and audit-related purposes, etc. in compliance with applicable laws.
- Banking partners, payment processing partners, co-branding partners, lending partner, third-party vendors, lending service provider, Digital Lending App, and credit information companies
- We may share your information/information submitted by you to financial institutions and service providers such as payment processors, card issuers, NBFC partners and banking partners, collection service providers, credit information companies, to facilitate transactions/for providing such product and/or service.
- IT Service Providers
- We may share your information with IT Service Providers who are engaged in the provision of information technology services for fulfilling various aspects of the Platform and for research and data analytics.
- Identity and other information verification providers
- We may share your information to identity and other information verification to complete identification and information verification processes in accordance with applicable laws.
- Government and regulatory organisations
- We may share your information with the Government, law enforcement agencies, authorities, and regulatory bodies when the Company must comply with its legal obligations.
- Marketing, business development, and sales partners
- We may share your information with marketing, business development, and sales partners for the purpose of improving and carrying out marketing or business development activities to provide better services to you through our Platform.
| Type of Third Party | Description |
|---|---|
| Group companies of the Company | We may share your information with our affiliates and group companies in order to efficiently provide certain products and/or services or particular features, for internal corporate/business restructuring purposes and audit-related purposes, etc. in compliance with applicable laws. |
| Banking partners, payment processing partners, co-branding partners, lending partner, third-party vendors, lending service provider, Digital Lending App, and credit information companies | We may share your information/information submitted by you to financial institutions and service providers such as payment processors, card issuers, NBFC partners, and banking partners, collection service providers, credit information companies, to facilitate transactions/for providing such product and/or service. |
| IT Service Providers | We may share your information to IT Service Providers who are engaged in the provision of information technology services for fulfilling various aspects of the Platform and for research and data analytics. |
| Identity and other information verification providers | We may share your information to identity and other information verification to complete identification and information verification processes in accordance with applicable laws. |
| Government and regulatory organisations | We may share your information with the Government, law enforcement agencies, authorities, and regulatory bodies when the Company must comply with its legal obligations. |
| Marketing, business development, and sales partners | We may share your information with marketing, business development, and sales partners for the purpose of improving and carrying out marketing or business development activities to provide better services to you through our Platform. |
We will retain any data or information provided by you till the time we render our services towards you. Our data retention policy is restricted to the provision of our services towards you. You can request for the deletion of your information from us at any stage. Our data retention, storage, and deletion policy is in consonance with the applicable laws and guidelines of the RBI.
In the event that any information provided by you is inaccurate, incomplete, or outdated, you shall have the right to provide us with the accurate, complete, and up-to-date data and have us rectify such data at our end immediately. We urge you to ensure that you always provide us with accurate and correct information/data. In case of modification of personal information, users will be required to furnish supporting documents relating to change in personal information for the purpose of verification by the Company.
You have the option to deny/withdraw your consent at any time for the collection/continued collection, use, or disclosure of your information or request for deletion of your information by mailing us at [email protected]. In case of withdrawal of your consent, we reserve the option not to provide the Services for which such information was sought. In case the services are already availed and then you raise a request to withdraw consent, then we have the right to stop the provision of the Services. We shall have the right to continue processing your information till such credit facility/Service has been repaid in full, along with any interest and dues payable and/or for such a period as may be allowed under applicable law. However, we shall not retain your data and information if it is no longer required by us and there is no legal requirement to retain the same.
8. Communication with Company
The name and contact details of the Nodal/Grievance Officer are provided below. You may contact the Nodal/Grievance Officer to address any discrepancies and grievances you may have with respect to your information with Rupigrow, and the same will be redressed expeditiously.
Name: Rupigrow
Contact Details: [email protected]