At BharatRupe.com, your privacy is of utmost importance to us. This Privacy Policy outlines how we collect, use, store, and protect your personal data when you visit our website or utilize our financial services. By using our platform, you agree to the terms described in this policy.

1. Information We Collect

We may collect various types of information to provide and improve our services. This includes:

• Personal Identification Information: Name, email address, phone number, date of birth, gender.
• Financial Information: Income details, bank account information, credit history (CIBIL score), and other financial data relevant to loan applications or financial product eligibility.
• Government-Issued Identification: PAN card number, Aadhaar number, or other government-issued ID numbers for identity verification (eKYC).
• Employment Information: Occupation, employer details, and employment type (salaried, self-employed).
• Technical Data: Device information (type, operating system), browser type, IP address, usage patterns on our website (pages visited, time spent), and referral sources.
• Communication Data: Records of your communications with us, including emails, chat transcripts, and phone calls.

2. How We Use Your Information

We use the collected information for the following purposes:

• To Process Applications: To facilitate and process your applications for various financial products (loans, insurance, investments) with our partnered institutions.
• Identity Verification (eKYC): To verify your identity and conduct necessary background checks as required by regulatory bodies and our partners.
• Personalized Offers: To assess your eligibility and present you with personalized loan offers, insurance plans, or investment opportunities from our network of trusted partners.
• Communication: To send you important updates, status notifications, marketing communications, and promotional offers via SMS, email, phone calls, or WhatsApp, based on your consent.
• Service Improvement: To analyze user behavior, troubleshoot technical issues, improve website functionality, and enhance the overall user experience of our platform.
• Compliance and Security: To comply with legal and regulatory obligations, prevent fraud, and ensure the security and integrity of our services.
• Customer Support: To respond to your inquiries, provide assistance, and resolve any issues you may encounter.

3. Data Security

We are committed to protecting your data. We implement robust security measures, including encryption, firewalls, and secure server environments, to safeguard your personal information from unauthorized access, alteration, disclosure, or destruction. All data transmission occurs over encrypted channels. While we strive to use commercially acceptable means to protect your personal data, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

4. Sharing of Information

We may share your information with the following entities:

• Lending and Financial Partners: With trusted NBFCs, banks, and other financial institutions to process your applications and provide you with relevant financial products.
• Service Providers: With third-party service providers who assist us in operating our website, conducting our business, or serving our users (e.g., data analytics, marketing, customer support). These providers are contractually obligated to protect your data and use it only for the purposes for which it was disclosed.
• Legal and Regulatory Authorities: When required by law, court order, or government regulation, or to protect our rights, property, or safety, or the rights, property, or safety of others.

We do not sell, rent, or trade your personal information to third parties for their direct marketing purposes without your explicit consent.

5. Consent

By submitting your personal and financial details on our website, you explicitly consent to the collection, processing, storage, and sharing of your information as described in this Privacy Policy. You also consent to being contacted by BharatRupe.com and our partnered lending/financial institutions through various channels including SMS, phone calls, email, and WhatsApp for purposes related to your application and our services.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies (like web beacons and pixels) to enhance your browsing experience, analyze website traffic, understand user behavior, and improve our services. Cookies are small data files stored on your device. You have the option to accept or refuse cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website.

7. Your Rights

You have certain rights regarding your personal data. You may:

• Request Access: Request access to the personal data we hold about you.
• Request Correction: Ask for corrections to any inaccurate or incomplete personal data.
• Request Deletion: Request the deletion of your personal data, subject to legal and regulatory retention requirements.
• Withdraw Consent: Withdraw your consent for the processing of your personal data at any time, where applicable.

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below. We will respond to your request in accordance with applicable laws.

8. Updates to This Policy

We may revise and update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Any changes will be effective immediately upon posting the revised policy on this page. We encourage you to review this page periodically to stay informed about how we are protecting your information. The "Last Updated" date at the top of this policy will indicate when the latest revisions were made.

9. Contact Us

If you have any questions, concerns, or require further clarification about our privacy practices or this Privacy Policy, please contact our dedicated support team:

Email: help@bharatrupe.com