This Privacy Policy governs the manner in which Indi Rupee, a sub-brand of Har Shreeji Finance and Leasing Company Ltd., collects, uses, stores, and discloses information collected from users (each, a “User”) of the Indi Rupee website and mobile/web application (collectively referred to as the “Platform”).

This Policy is published in accordance with Rule 4(1) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 under the Information Technology Act, 2000.

By accessing or using our Platform and Services, you consent to the terms of this Privacy Policy.

1. Information We Collect

A. Personal Data

We collect personally identifiable information to provide our Services efficiently, including but not limited to:

• Full name, contact number, email address
• Government-issued IDs (PAN, Aadhaar, etc.)
• Income details, employment information
• Location data, reference list, and device metadata

B. Account Information

When signing in via third-party platforms (e.g., Google, Facebook), we collect your:

• Email address
• Name and profile picture
• Authentication token (ASID)

This data is used solely for login and user identification purposes.

C. Usage and Log Data

We may automatically collect:

• IP address, device name and type
• Operating system version, app settings, usage timestamps
• Diagnostic and crash information

This helps us identify issues and improve app performance and security.

2. Permissions and Device Access

A. Location & Device Details

We collect GPS and network-based location to:

• Evaluate credit eligibility
• Offer customized loan services
• Prevent fraud and enhance security

B. Contact Access (Historical)

For app versions [Insert Version] and below, limited contact data (name and number) was collected for risk assessment. For versions [Insert Version] and above, we no longer collect this data.

C. Storage Access

Required to enable the upload/download of KYC and supporting documents securely.

D. Camera Access

Used for real-time scanning and submission of official documents (e.g., PAN, Aadhaar).

3. Purpose of Data Collection

Your data is collected, processed, and used for:

• Performing KYC and credit risk analysis
• Verifying identity and detecting fraud
• Administering, improving, and customizing our Platform
• Sending service notifications, updates, and promotional offers (with consent)
• Compliance with legal and regulatory obligations

4. Data Protection and Security

We maintain appropriate technical and organizational security measures as per ISO/IEC 27001 standards and IT Rules, 2011, including:

• Encrypted storage and transmission
• Restricted access controls
• Periodic security audits

However, no method of electronic storage or transmission is entirely secure. Users are advised to exercise caution while sharing data.

5. Cookies

We may use third-party services that deploy cookies or similar tracking tools. While we do not use cookies directly, such third-party integrations may store cookies on your browser or device for analytics or improvements.

You may control cookies through your browser settings.

6. External Links

Our Platform may contain links to third-party websites or services. We do not control or endorse these, and are not responsible for their privacy policies or practices.

7. Legal Basis and Compliance

This Policy complies with:

• Information Technology Act, 2000
• IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Other applicable data protection laws in India

We may also cooperate with legal or government authorities in cases of suspected fraud or violations.

8. Your Consent

By using the Platform and submitting your personal data, you:

• Consent to its collection, processing, and storage
• Authorize us to use your information to deliver services and communicate with you via email, SMS, phone, WhatsApp, RCS, or voice calls
• Accept this Privacy Policy in full

9. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in law or business practices. Any changes will be posted on this page with an updated “Effective Date.”

Users are advised to check this page periodically for updates.

10. Grievance Redressal

In accordance with Rule 5(9) of the IT Rules, 2011, you may contact our Grievance Officer for any concerns regarding your data:

Email: grievance@indirupee.com

Note

Users under the age of 18 are not permitted to use our loan services without parental or legal guardian consent.