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Privacy Policy
Welcome to Ruloans! We appreciate your trust in us and are committed to safeguarding your privacy. This Privacy Policy outlines how Ruloans ("we," "us," or "our") collects, uses, and shares your information when you access our website, mobile application (Ruconnect), or interact with our services.
Information We Collect:
At Ruloans, we collect various types of information to provide and enhance our services. The information we collect may include:
Personal Information: This comprises your name, contact details (such as phone numbers, email addresses, mailing addresses), date of birth, gender, contact preferences, authentication data, financial information (such as credit worthiness data, bank details), and any other information necessary for delivering our services.
Device Information: We may gather information about the devices you utilize to access our services, including device identifiers, IP address, browser type, operating system, and network information.
Usage Data: Information regarding how you interact with our services, such as the pages you visit, the features you utilize, the actions you perform, and other usage patterns.
How We Use Your Information:
We utilize the information we collect for various purposes, including:
Service Provisioning: Facilitating account creation and authentication on Ruconnect, delivering and managing our services, including loan-related activities such as loan application processing, eligibility assessment, and loan disbursal.
Communication: Sending administrative and promotional communications, responding to your inquiries and requests, providing customer support, and notifying you about important updates or changes to our services.
Personalization: Tailoring your experience by delivering targeted advertising and personalized content based on your interests, preferences, and previous interactions with our services.
Analytics: Analyzing usage data to improve our services, identify trends, measure the effectiveness of our marketing campaigns, and enhance the user experience.
Security: Protecting the security of our services and preventing fraudulent activities, unauthorized access, or other harmful actions.
Compliance: Fulfilling legal obligations and regulatory requirements, such as anti-money laundering laws, consumer protection regulations, and data protection laws.
Information Sharing:
We may share your information with third-party service providers, financial institutions, credit bureaus, and partners who assist us in delivering our services. These entities are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using your information for any other purposes.
Additionally, we may share your information in connection with business transfers, mergers, acquisitions, or reorganizations, as well as with affiliates, business partners, or other trusted third parties for targeted advertising purposes. We may also disclose information when required by law, court order, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of others.
Cookies and Tracking Technologies:
We utilize cookies, web beacons, and similar tracking technologies to enhance your experience and collect usage data on our website and Ruconnect app. Cookies are small files stored on your device that help us improve our services and provide a better user experience. By using our services, you consent to the use of cookies and similar technologies as described in this Privacy Policy.
You can manage your cookie preferences through your device or browser settings. Please note that disabling cookies may affect the functionality of our services.
Data Retention:
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or for legitimate business purposes. We may also retain certain information for audit purposes, resolving disputes, enforcing our agreements, or as otherwise required by law.
Your Rights:
You have the right to access, update, and delete your personal information. You can also withdraw consent for marketing communications and request data portability. If you have any questions or concerns about your privacy rights or wish to exercise your rights, please contact us using the contact information provided below.
Children's Privacy:
We do not knowingly collect personal information from children under 18 years of age. If you believe that we have collected information from a minor without parental consent, please contact us to delete it.
Updates to Privacy Policy:
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes through our website, app, or other appropriate channels.
Grievance Redressal:
If you have any questions, concerns, or grievances regarding this Privacy Policy or our data practices, please contact our Grievance Officer at Phone number - 1800-266-7576 need to be filled and e-mail to [email protected].
7/8 3rd Floor 215 - Magan Mahal, Sir. M.V.Road, Andheri(E), Mumbai-400 069