Privacy Policy

Greetings from Fashion Rupee. As a user of the Fashion Rupee application ("App") and its associated services (together, the "Platform"), your interaction implies that you have thoroughly read, understood, and accepted the terms of our Privacy Policy, including any future modifications.

We routinely gather and store your personal information during your use of our platform, always seeking your permission for any required data.

Our primary objective is to offer you a secure, efficient, and personalized experience and service. This commitment enables us to tailor services and features to meet your needs, enhance our platform for your safety and convenience, and continually improve our service offerings. The personal data we collect from you is crucial for achieving these goals.

By consenting to this Privacy Policy, you authorize us to collect, utilize, disclose, process, and protect the personal information you provide to us (referred to as "we", "our", "us", or "Fashion Rupee").

We uphold the privacy, confidentiality, and security of your personal information by adhering to relevant laws and ensure that our employees and agents follow these standards.

This Privacy Policy forms an integral part of the Platform's Terms and Conditions. Providing personal information is voluntary and based on your informed consent. If you disagree with our policy, you may opt not to provide the requested personal information.

Within this Privacy Policy, "Personal Information" refers to data about an individual provided by you that can directly or indirectly identify a person, either by itself or combined with other accessible information. This may include financial data, device information, identity specifics, location details, and/or log data.

Under this Privacy Policy, a "User" refers to anyone engaging with our Services or accessing our Platform (referred to as "You" or "Your").

Please note, if you disagree with any aspect of this Policy, we advise against using, accessing, downloading, or installing any part of the Platform.

Personal information collection

In order to provide you with our services, we will ask you to provide the personal information required to provide you with these services. If you do not provide your personal information, we may not be able to provide you with our services. We may collect any and all personal information you provide or upload to us, such as your name, date of birth, marital status, residence details, mobile phone number, occupation, education, e-mail address, contact address, contact address, account details, bank account information, identity documents (such as PAN card, Aadhaar card), Learn about other information/documents of your customer (KYC) compliance, details of your work information, feedback and any other information you provide to us.

Device Information

As part of our anti-fraud measures, we collect specific information about your device, such as the Google Advertising ID, phone brand, manufacturer, and Android version.

Camera Access

For an enhanced user experience, we require access to your camera, photos, and images. This allows you to upload photographs of your KYC and other necessary documents during the loan application, ensuring the authenticity of the application process. This data will be uploaded to https://api.fashionrupee.com/ and will be removed following the assessment of your risk profile.

SMS Data

We may access your financial SMS messages, such as those indicating salary deposits, transaction details, repayment confirmations, or overdue reminders. This information helps us tailor loan services to your financial profile and assess your creditworthiness. For instance, salary and transaction messages help us match you with suitable loan offers, while repayment and overdue notifications support our credit evaluation process. Please note, your explicit permission is required for collecting SMS data, which will be uploaded to https://api.fashionrupee.com/. After evaluating your risk status, this data will be promptly deleted.

Application Information

We gather data about your installed financial apps, including names, installation times, and other relevant details, which is pivotal for loan sanctioning. This analysis helps us in understanding your credit standing and preventing fraudulent activities. It also aids in streamlining your loan application and in suggesting the most suitable loan products for you. Remember, we only collect this information with your explicit consent, and it will be uploaded to https://api.fashionrupee.com/. After evaluating your risk profile, this app data will be erased.

Operational Behavior Data

We collect data related to how you interact with our application, including page visits, button clicks, and the frequency of data modifications. This information helps us improve app performance and enhance your user experience. All such data will be transmitted securely to https://api.fashionrupee.com/ and will be permanently deleted after analysis is complete.

The objectives of using this collection information

The purpose of collecting this information, for which we require your authorization, is multifaceted and includes:

1.Authentication: To verify your identity and ensure the legitimacy of your transactions.

2.Anti-Fraud Measures: To assess and mitigate any potential fraud risks.

3.Platform Security: To identify issues and maintain the security and integrity of our platform.

4.Personalized Offerings: To tailor products and services specifically to meet your needs and preferences.

5.Legal Use of Information: To utilize your user information in other legally permitted ways, facilitating your access to financial services offered by our partners.

Please rest assured that your information will only be used and retained for the duration necessary to provide you with appropriate products and services on our platform, ensuring a balance between service quality and data privacy.

Security measures

Our commitment to safeguarding your personal information involves several robust security measures:

1.Comprehensive Protection: We prioritize the safety of your personal information. To prevent unauthorized access or disclosure, we've implemented suitable physical, electronic, and managerial procedures to safeguard the information we collect. Our commitment includes employing all reasonable efforts to protect your data.

2.Data Encryption: Communication between your device and our servers is secured through the use of Secure Sockets Layer ("SSL") encryption and other advanced algorithms, ensuring the safe transmission of your data.

3.Secure Data Storage: Your personal information is stored on secure servers in controlled facilities. We categorize your data based on its importance and sensitivity, providing the highest level of security for your personal information. We also ensure that our employees and third-party service providers, who have access to your personal data, adhere to strict confidentiality agreements. Non-compliance can lead to disciplinary actions or termination. Our cloud-based data storage systems feature specialized access controls, and we routinely review our practices related to information collection, storage, and processing, including physical security protocols, to guard against unauthorized access and usage.

4.Internet Security Caution: While we take every possible measure to protect your personal information, it's important to recognize that Internet use is not entirely secure. Consequently, we cannot completely guarantee the security or integrity of personal information during its transmission to or from you via the Internet.

5.Response to Data Breaches: In the unlikely event of a breach of personal data, we will take all reasonable steps to inform the appropriate supervisory authority or, where necessary, you, in accordance with the relevant laws, including local data protection regulations.

Your privacy and data security are our top priorities, and we are dedicated to maintaining the highest standards of protection for your personal information.

Linking to External Sites

While navigating through our platform services, you might encounter links to external websites. Clicking on these links will redirect you to those external sites. We highly advise you to review the privacy policies of these external websites before interacting with them. This is to ensure that you are fully informed about their policies, as we do not own these external websites and are not privy to their privacy policies and operational methods.

Updates to Our Privacy Policy

We hold the right to alter, amend, add, or remove portions of this Privacy Policy at any time, for any reason. Should there be any modifications to the Privacy Policy, they will be promptly updated on our website. These changes become effective immediately upon posting, unless specified otherwise. We encourage you to review this page periodically to stay informed about how we are protecting your information. Your continued use of our Services signifies your acceptance of any changes and the updated Privacy Policy.

Your Consent

By utilizing our website/app and providing your information, you consent to our collection and use of your information as outlined in this Privacy Policy. This includes, but is not limited to, your agreement to the collection, use, sharing, and disclosure of your information as described. Should there be any changes to our Privacy Policy, they will be posted on this page, ensuring that you are always aware of what information we collect, how we use it, and the circumstances under which we may disclose it.

For Assistance:

Feel free to get in touch with us at suggestions@nitrofinfinance.com for any help or inquiries.