Rupeeline – Privacy Policy

Rupeeline, operated by SARADA CONFIN PVT LTD, is committed to safeguarding your personal information. This Privacy Policy explains what data we collect, the reasons behind each collection, how we protect that data, and the controls you have as a user of our application and services.

Please take a moment to read this policy in full before using Rupeeline. Accessing or using our services constitutes your acknowledgement that you have read, understood, and agreed to the practices described here.

1 Information We Collect

We limit our data collection to what is strictly necessary to deliver a safe, dependable, and efficient credit service.

1.1 Identity & Basic Personal Information

To process your credit application and create your account, we collect core personal details — full name, gender, date of birth, government-issued ID, bank account information, phone number, email address, home address, occupation, and educational background. This information underpins our ability to assess eligibility and tailor our services to you.

1.2 Emergency Contact Information

You may optionally provide emergency contact details (name, phone number, and your relationship to the person). This data is used exclusively for account security and loan management. We do not automatically read, scan, or extract any data from your device's contact list.

1.3 Device Information

We collect technical details about the device you use — device model, operating system version, unique device identifiers, IP address, and network type. This allows us to detect suspicious activity, keep the application stable, and protect your account from unauthorized access or fraud.

1.4 Google Advertising ID

We use your Google Advertising ID to measure advertising effectiveness and to personalize your in-app experience. You retain full control over this identifier and may reset it or opt out of interest-based ads at any time via your device settings.

1.5 Approximate Location

We collect general location data at the city or regional level to support localized service delivery and to help identify potentially fraudulent activity. We do not record precise GPS coordinates or continuously track your movements.

1.6 Installed App List

With your explicit permission, we collect a list of applications installed on your device — names and installation timestamps only — to evaluate potential security risks and credit eligibility (for example, to detect high-risk applications associated with abnormal financial behavior). We do not access the content, data, or activity within any installed application.

2 How We Use Your Information

Every piece of information we collect is used solely to operate and continuously improve the Rupeeline service. We will never use your data for purposes beyond those described in this policy.

Purpose	Information Used
Credit assessment & loan processing	Identity information, device info, approximate location, installed app list
Identity verification & account security	ID documents, emergency contact, device identifiers
Fraud prevention & risk management	Device info, approximate location, installed app list
Service communications	Phone number, email address
Advertising measurement & experience optimization	Google Advertising ID
Application stability & technical support	Device info

3 Data Sharing

    We do not share, sell, rent, or disclose your personal information to any third
    party under any circumstances.
  

Your data is collected and processed exclusively by SARADA CONFIN PVT LTD for the purposes outlined in this policy. We maintain strict internal controls to ensure your information stays within our organization. No advertising networks, analytics providers, data brokers, or external vendors are given access to your personal data.

4 Data Security

Keeping your personal information secure is a responsibility we treat with the utmost seriousness. We apply multiple layers of protection:

Technical safeguards: All data is encrypted in transit via industry-standard TLS/SSL and encrypted at rest. Firewalls and intrusion detection systems monitor for unauthorized access attempts.
Access controls: Only a limited set of authorized personnel may access personal information, and only to the degree required for their specific duties.
Organizational measures: We conduct regular internal security reviews and provide ongoing data-protection training to all relevant staff.

Despite these precautions, no system can be guaranteed entirely risk-free. We strongly encourage you to keep your login credentials private and to contact us immediately if you suspect unauthorized access to your account.

5 Data Retention & Deletion

We retain your personal information only for as long as needed to fulfill the purposes described in this policy or to satisfy applicable legal requirements. Once those purposes are met, your data is securely deleted or anonymized.

You may request deletion of your personal data at any time through any of the following channels:

Submit a deletion request via the in-app support center.
Follow the account deletion link provided within the application.
Contact us directly by email at the address listed in Section 8.

We will review and action all deletion requests within 48 hours of receipt. Upon approval, your data will be permanently removed from our systems, unless continued retention is required by law.

6 Your Rights

Subject to the laws applicable in your jurisdiction, you may have the following rights regarding your personal data:

Right of Access: Request a copy of the personal data we hold about you.
Right of Correction: Ask us to correct any information that is inaccurate or out of date.
Right of Deletion: Request the permanent removal of your personal data from our systems.
Right to Opt Out: Opt out of interest-based advertising by resetting your Google Advertising ID in your device settings.
Right to Withdraw Consent: Where processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of earlier processing.

To exercise any of these rights, please reach us using the contact details in Section 8. We will respond promptly and in compliance with applicable law.

7 Policy Updates

We may periodically revise this Privacy Policy to reflect changes in our practices, legal requirements, or service offerings. Any updates will be published on our official website and made accessible within the Rupeeline application.

Material changes — those that meaningfully affect your rights or our data practices — will be communicated in advance via in-app notifications or email.
Minor revisions will be reflected only by an updated "Last Updated" date at the top of this page.

Continued use of Rupeeline after any changes to this policy constitutes your acceptance of the revised terms.

Rupeeline Privacy Policy