1 Personal Information We Collect

We may collect personal information required to process loan applications, verify identity, assess eligibility, prevent fraud, and provide customer support.

• Identity Details: Full name, date of birth, gender, PAN, Aadhaar, and KYC information.
• Contact Details: Mobile number, email address, and residential address.
• Financial Details: Salary details, employment status, bank statements, income proof, and credit information.
• Device Information: IP address, browser type, device type, location data, and website usage details.
• Communication Records: Calls, emails, WhatsApp, SMS, or support interactions related to services.

2 Why We Collect This Information

Right Rupee uses customer information to provide a smooth, secure, and compliant digital lending experience.

• To process loan applications and verify customer eligibility.
• To complete KYC, fraud checks, credit assessment, and risk evaluation.
• To communicate loan offers, repayment details, reminders, and service updates.
• To improve website experience, customer support, and internal operations.
• To comply with applicable legal, regulatory, and statutory requirements.

3 Cookies

Our website may use cookies and similar technologies to enhance user experience, remember preferences, measure website performance, and improve digital services.

• Essential cookies help the website function properly.
• Analytics cookies help us understand website usage and improve performance.
• Marketing cookies may help show relevant advertisements and offers.
• You may manage or disable cookies through your browser settings.

4 Google Advertising & Analytics

We may use Google Ads, Google Analytics, and similar tools to understand user behavior, improve our website, measure campaign performance, and provide relevant advertisements.

• Google Analytics may collect website interaction and traffic data.
• Google Ads may use cookies to show relevant ads based on browsing behavior.
• Users can control ad personalization through Google account settings.
• We do not sell sensitive personal data to advertisers.

5 Third-Party Sharing

Right Rupee may share customer information only when required for loan processing, verification, compliance, fraud prevention, customer support, or legal obligations.

• Lending partners and financial institutions for loan assessment and approval.
• KYC, credit bureau, payment, and verification partners.
• Technology and support service providers.
• Regulatory, legal, or government authorities where required by law.

6 Data Security

We use reasonable technical, administrative, and organisational safeguards to protect customer data from unauthorised access, misuse, loss, alteration, or disclosure.

• Secure data handling and access control practices.
• Encryption and protected systems wherever applicable.
• Regular monitoring to prevent unauthorised access.
• Employee awareness regarding privacy and data protection.

7 Data Retention

Right Rupee retains customer information only for as long as required for loan processing, legal compliance, dispute resolution, audit requirements, and regulatory obligations.

• KYC and loan records may be retained as per applicable laws.
• Inactive or unnecessary data may be deleted or anonymised.
• Data retention timelines may vary based on regulatory requirements.

8 Children’s Privacy

Right Rupee services are intended only for adults who are legally eligible to apply for financial products. We do not knowingly collect personal information from minors.

9 Your Rights Under DPDP Act

As applicable under Indian data protection laws, you may request access, correction, deletion, or withdrawal of consent for your personal data, subject to legal and regulatory limitations.

• Right to access personal data held by us.
• Right to correct inaccurate or incomplete personal data.
• Right to withdraw consent where processing is based on consent.
• Right to raise grievance regarding data handling.

10 Disclaimer

While Right Rupee takes reasonable steps to protect customer data, no digital platform can guarantee absolute security. Customers should avoid sharing OTP, passwords, banking credentials, or sensitive information with unauthorised persons.

11 Changes to This Privacy Policy

Right Rupee may update this Privacy Policy from time to time to reflect legal, regulatory, operational, or service-related changes. Updated policies will be published on this page.

12 Grievance Redressal

For privacy-related concerns, complaints, or data requests, customers may contact our Grievance Officer through the official communication channels below.