1 Personal Information We Collect

We may collect the personal information needed to process loan applications, confirm identity, check eligibility, prevent fraud, and provide customer support.

Information we collect:

• Identity details: Full name, date of birth, gender, PAN, Aadhaar, and other KYC information.
• Contact details: Mobile number, email address, and home address.
• Financial details: Salary information, employment status, bank statements, proof of income, and credit information.
• Device information: IP address, browser type, device type, location data, and the way website is accessed.
• Communication records: Calls, emails, WhatsApp messages, SMS, and other support conversations related to our services.

2 Why We Collect This Information

Right Rupee uses customer information to offer a smooth, safe, and regulated digital lending experience.

We use this information to:

• Process loan applications and check whether customers are eligible.
• Complete KYC, fraud checks, credit assessment, and risk evaluation.
• Share loan offers, repayment details, reminders, and service updates.
• Improve our website, customer support, and internal processes.
• Meet legal, regulatory, and statutory requirements.

3 Cookies

Our website may use cookies and similar tools to make your visit better, remember your preferences, track how the site performs, and improve our digital services.

Types of cookies we use:

• Essential cookies: These keep the website working properly.
• Analytics cookies: These show us how people use the site, so we can make it faster and easier to use.
• Marketing cookies: These may be used to show you ads and offers that are more relevant to you.
• You can manage or turn off cookies at any time through your browser settings.

4 Google Advertising & Analytics

We may use Google Ads, Google Analytics, and similar tools to understand how visitors behave, improve our website, measure how our campaigns perform, and show relevant ads.

• Google Analytics may collect data about website traffic and how visitors interact with the site.
• Google Ads may use cookies to show ads based on your browsing activity.
• Users can control ad personalisation through their Google account settings.
• We do not sell sensitive personal data to advertisers.

5 Third-Party Sharing

Right Rupee may share customer information only when it is needed for loan processing, verification, compliance, fraud prevention, customer support, or legal reasons.

Information may be shared with:

• Lending partners and financial institutions to assess and approve loans.
• KYC, credit bureau, payment, and verification partners.
• Technology and support service providers.
• Regulatory, legal, or government authorities, when the law requires it.

6 Data Security

We take reasonable technical, administrative, and organisational steps to keep customer data safe from unauthorised access, misuse, loss, alteration, or disclosure.

How we protect your data:

• Secure data handling and strict access controls.
• Encryption and protected systems wherever applicable.
• Regular monitoring to catch and prevent unauthorised access.
• Training for our employees on privacy and data protection.

7 Data Retention

Right Rupee keeps customer information only for as long as it is needed for loan processing, legal compliance, resolving disputes, audits, and regulatory obligations.

• KYC and loan records may be kept for the period the law requires.
• Data that is inactive or no longer needed may be deleted or anonymised.
• How long data is kept may differ depending on regulatory requirements.

8 Children’s Privacy

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

9 Your Rights Under DPDP Act

Under applicable Indian data protection laws, customers may ask to access, correct, or delete their personal data or withdraw their consent, subject to legal and regulatory limits.

• Customers can ask to see the personal data we hold about them.
• Customers can ask us to correct data that is wrong or incomplete.
• Customers can withdraw consent where we process their data based on that consent.
• Customers can raise a grievance about how their data is handled.

10 Disclaimer

Right Rupee implements reasonable steps to protect customer data, but no digital platform can promise complete security. Customers should not share their OTP, passwords, banking credentials, or other sensitive details with anyone who is not authorised.

11 Changes to This Privacy Policy

Right Rupee may revise this Privacy Policy from time to time when laws, regulations, our operations, or our services change. The latest version will always be posted on this page.

12 Grievance Redressal

If you have a privacy concern, a complaint, or a data request, you can reach our Grievance Officer through the official channels below.