Privacy Policy

This Privacy Policy outlines Rajsi Infin Consultants Private Limited‘s (“RICPL”, “we”) approach to processing of data. We understand the significance of your personal data and process it in a responsible manner. We urge you to go through this Privacy Policy attentively.

Who Is Covered by This Policy

This policy applies to all existing customers, prospective customers and persons (“User”) who visit our office/branch and/or any digital property belonging to RICPL, including websites, mobile applications and other electronic applications offering secured and unsecured loans. Users below 18 years of age must access our digital properties only under the guidance of a natural parent or legal guardian.

Consent

By using our services, you consent to:

• The terms of this Privacy Policy, in addition to the terms of use of our website, mobile application and product documents.
• Collection of data for loan applications and third-party products.
• Collection of data in connection with Aadhaar-based authentication (Aadhaar eKYC) or verification through UIDAI.
• Marketing and business promotion communications.
• Data storage as per company policy and regulatory requirements.
• E-mandate registration with eSignature.

Types of Information We Collect

• Name, age, date of birth, gender, address, mobile number, email ID, PAN, photograph/image and KYC documents.
• Bank account details, credit scores, GST details and provident fund information.
• Traffic data and non-personally identifiable information.

Sources of Information

• Online and electronic interactions, including via our websites, mobile applications and text messaging programmes.
• Offline interactions, including direct marketing campaigns and hard-copy registration/application forms.
• Interaction with online targeted content (such as advertisements).
• Information you provide during the application process.
• Your browser, mobile application and/or mobile device, including cookies.
• Service providers, dealers and agents.
• SMS and email information, with your consent.

Purpose of Use

• To fulfil your requests for products and services offered and subscribed, and to provide incidental and ancillary services.
• To deliver administrative notices, alerts, advice and communications.
• To promote the products/services of RICPL, its group companies and authorised agents.
• For product evaluation, development and market research.
• To check your credit information with any credit bureau.
• To share with third-party contractors as required to provide services.
• To comply with applicable laws and regulations, including credit reporting.
• To advertise offers and promotions and to enforce our Terms of Use.

Updating Your Personal Information

We encourage you to update your information whenever there are changes. You are entitled to review the information you have provided and have any inaccurate or deficient personal information corrected or amended, as feasible. RICPL is not responsible for the authenticity of the personal information supplied by the user.

Sharing and Disclosure

Your personal information will not be sold or otherwise transferred to unaffiliated third parties unless stated at the time of collection or without your approval. We may share information with affiliates, group companies, authorised agents or third-party service providers to deliver products and services in the manner agreed by you, and where we believe in good faith that disclosure is necessary to comply with legal and regulatory processes. Information may be transferred to another Indian or overseas body corporate that ensures the same level of data protection, or as a result of a sale, acquisition, merger, reorganisation or other change in control.

Communications

Except where agreed by you or necessary for operational or regulatory reasons, we will not send unsolicited communication. You may opt out of promotional communications at any time, including by following the unsubscribe instructions in our emails.

Cookies

We may use cookies — information stored on your computer or mobile device — to store non-personal information (browser, ISP, operating system, clickstream information), to improve your experience by showing relevant content, and to remember your preferences. You can change your browser settings to accept or deny cookies.

Data Governance and Security

We follow guidelines on data governance, including data quality, data minimisation, data accuracy and data accessibility. Access to user data is restricted using access controls and industry-standard encryption, and we maintain an incident management system. Third-party service providers have access to your information only on a need-to-know basis and are restricted from using it for any other purpose.

Your Responsibility

• RICPL and its employees will not contact you directly asking for disclosure of personal information unless required. Verify the identity of anyone contacting you through our official channels.
• Use only our official website and links to avail our products and services.
• Check for “https” in the address bar before transactions, avoid unknown browser extensions, and do not respond to emails from unknown sources.
• RICPL is not responsible for any breach of privacy owing to the user’s negligence.

Data Storage and Retention

We retain your information in India as long as it is required to provide services or for business purposes, and as required by law. Indicatively: KYC documents during the loan tenure and at least five years after cessation; loan files for the tenure and eight years from closure; transaction records for eight years from the transaction date; and the customer complaint register for five years. Information may be retained longer where required for investigations or proceedings under law.

Children

Our website is not intended for use by children and minors. Parents are requested to ensure that personal information is not provided by minors.

Links to Other Websites

Our website may contain links to external websites that are not operated by us. We have no control over, and assume no responsibility for, the content or privacy practices of third-party sites. Please review their privacy policies.

Amendments

We may amend or update this Privacy Policy from time to time as required under law. Changes are effective immediately once posted on this page, so please review it periodically.

Contact Us

To share a concern about your data, contact us at info@rajsiinfin.com or +91-8808-35-8808, or visit us at Upper Ground Floor, Plot No. 25, Near Metro Station Gate No. 1, Sector 11, Dwarka, New Delhi 110075. See also our Grievance Redressal page.