Privacy Policy
This Privacy Policy explains how RupayFin (operated by Phoenix RBI registered NBFC CAPGROWTH FINTECH PRIVATE LIMITED) collects, uses, processes, stores, and shares information when you access or use our Platform.
1. Information We May Collect
Depending on the services you use, information may include:
- Personal Details: Name, Date of Birth, Gender, Address.
- Contact Information: Mobile Number, Email Address.
- Financial & Employment Details: Employment type, Monthly Income, Employer name.
- KYC & Identity Data: PAN number, masked Aadhaar / DigiLocker verification details.
- Loan Application Data: Requested loan amount, loan purpose, and repayment tenure.
- Banking Information: Bank account number and IFSC for disbursement and repayment mandates.
- Technical & Device Data: IP address, device model, operating system, and secure browser metadata.
- Communication & Verification: Customer support records, SMS verification logs, and fraud prevention flags.
2. How We Use Information
Information may be used for:
- Processing loan applications and assessing credit eligibility;
- Facilitating digital KYC and identity verification;
- Connecting customers with participating RBI-regulated Banks and NBFCs;
- Presenting personalized and eligible loan offers;
- Preventing fraud, identity theft, and unauthorized access;
- Providing customer service and responding to queries;
- Communicating application status and loan servicing updates;
- Fulfilling legal, statutory, and regulatory compliance obligations;
- Enhancing Platform security, performance, and user experience.
3. Sharing of Information
Information may be shared with relevant third parties solely where necessary and legally permitted:
- Lending Partners: Regulated Banks and NBFCs evaluating your loan application.
- Verification Partners: Authorized KYC and DigiLocker verification providers.
- Payment Aggregators: Secure e-NACH and payment mandate gateways.
- Credit Information Companies: Authorized credit bureaus (CIBIL, Experian, CRIF, Equifax).
- Statutory Authorities: Regulatory or government bodies when legally mandated.
4. Explicit Consent
Where consent is required, we obtain explicit, informed consent through digital check-boxes and OTP verification. You should carefully review all permissions before submitting your application.
5. Data Retention Policy
Information will be retained only for as long as reasonably necessary to fulfill the lending facilitation purpose, satisfy contractual agreements, address disputes, and comply with applicable statutory and regulatory retention mandates.
6. Data Security
We deploy robust technical and organizational security controls—including 256-bit SSL encryption, restricted role-based employee access, and secure network infrastructure—to prevent unauthorized data access, loss, or misuse.
7. Your Rights
Subject to applicable regulations and active loan agreements, you have the right to request access to your personal information, request corrections of inaccurate details, or withdraw optional marketing consents.
8. Changes to this Policy
We may revise this Privacy Policy periodically to reflect technological or regulatory changes. The latest version will always be published on this page.
9. Contact Information
For any privacy or data inquiries, please reach out to our team at:
• Privacy Support: support@rupayfin.com
• Data Protection Officer: info@rupayfin.com