• Rudra Heights, Plot No. 5, 3rd Floor, Under Triveni Puliya, Gopalpura Bypass, Jaipur – 302018
  • +91 9875017170

Privacy Policy

Commitment to Your Data Security & Protection

PREAMBLE AND COMMITMENT

RKP Finance Private Limited (hereinafter referred to as "the Company", "We", "Us", or "Our"), a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), is strongly committed to protecting the privacy of its customers and visitors.

This Privacy Policy describes how we collect, use, process, store, and disclose your personal, financial, and technical information when you access our website (https://rkpfinance.com), our mobile applications, or avail of our financial products and services. This policy is formulated in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable RBI guidelines.


ACCEPTANCE AND CONSENT

By accessing our website, applying for a loan, or sharing your information with us, you expressly consent to the practices described in this policy. You agree that your personal information may be collected, processed, and shared with third parties (such as Credit Information Companies) for lawful business purposes.

Note: If you do not agree with this policy, please do not use our website or services.


INFORMATION WE COLLECT

To provide efficient financial services, we collect various types of information from you. This includes:

A. Personal Identity Information (PII)
  • Identity Details: Name, Father’s/Spouse’s Name, Date of Birth, Gender, Marital Status, Signature, and Photograph.
  • Contact Details: Permanent Address, Current Residential Address, Email Address, Mobile Number, and Landline Number.
  • KYC Documents: Aadhaar Number, PAN Card, Voter ID, Driving License, Passport, or NREGA Card.
B. Financial & Employment Information
  • Bank Details: Account Number, Bank Name, Branch, IFSC Code, and Cheque details.
  • Income Proof: Salary Slips, Income Tax Returns (ITR), Form 16, Bank Statements, and Balance Sheets.
  • Employment Details: Name of Employer, Office Address, Years of Experience, and Designation.
  • Credit History: Details of existing loans, repayment history, and credit scores.
C. Technical and Device Information

When you visit our website, our servers automatically record certain information:

  • Device Data: IP Address, Operating System, Browser Type, and Device ID.
  • Usage Data: Pages visited, time spent on the site, clicks, and navigation patterns.
  • Location Data: GPS location (if granted permission) to verify address and prevent fraud.


METHODS OF DATA COLLECTION

We collect information in the following ways:

  • Directly from You: When you fill out loan application forms (online or offline), contact us via phone/email, or visit our branch.
  • From Third Parties: We may receive information about you from Credit Information Companies (CIBIL, Equifax, etc.), verification agencies, and partner financial institutions.
  • Automatically: Through cookies, server logs, and tracking technologies on our website.


PURPOSE OF DATA USAGE

We use your data for the following lawful purposes:

  • Loan Processing: To evaluate your eligibility, assess credit risk, and process your loan application.
  • KYC Compliance: To verify your identity as mandated by the RBI (Know Your Customer norms).
  • Service Delivery: To disburse loans, manage your account, generate statements, and process repayments.
  • Communication: To send transactional alerts, EMI reminders, OTPs, and policy updates via SMS, Email, or WhatsApp.
  • Recovery and Collections: To remind you of overdue payments and, if necessary, initiate recovery proceedings through lawful means.
  • Legal & Regulatory: To comply with orders from the RBI, courts, or law enforcement agencies.
  • Product Improvement: To analyze user behavior and improve our website and product offerings.


SHARING AND DISCLOSURE OF INFORMATION

We value your privacy and do not sell your personal data. However, we may share your information with the following entities on a need-to-know basis:

A. Credit Information Companies (CICs)

As an NBFC, we are mandated to submit your data (including loan details and repayment history) to CICs such as CIBIL, Equifax, Experian, and CRIF High Mark. This data affects your credit score.

B. Service Providers & Partners

We may share data with third-party vendors who assist us in:

  • Verification: Conducting field investigations and document verification.
  • Payments: Processing loan disbursements and EMI collections (Payment Gateways).
  • Communications: Sending SMS, Emails, or WhatsApp notifications.
  • Recovery: Authorized collection agencies for debt recovery.
C. Legal & Regulatory Bodies

We may disclose your information to the RBI, CKYC Registry, Financial Intelligence Unit (FIU-IND), Courts, Tribunals, or Law Enforcement Agencies if required by law or to protect our rights and property.


DATA SECURITY MEASURES

We employ industry-standard security measures to protect your data, including:

  • Encryption: Using Secure Socket Layer (SSL) encryption for data transmission.
  • Access Control: Restricting access to personal data to authorized employees only.
  • Firewalls: Protecting our servers against unauthorized access and cyber-attacks.
  • Physical Security: Secure storage of physical documents at our branches/warehouses.

Disclaimer: While we take robust measures, no digital transmission is 100% secure. You share your information at your own risk.


DATA RETENTION POLICY

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy. Additionally, as a regulated entity, we are required by Indian law to retain financial records and KYC documents for a specific period (typically 8 to 10 years) even after the closure of your loan account.


COOKIES POLICY

Our website uses "Cookies" to improve your experience.

  • Session Cookies: Temporary cookies that expire when you close your browser.
  • Persistent Cookies: Stored on your device to remember your preferences for future visits.
  • Third-Party Cookies: Used by analytics tools (like Google Analytics) to track website performance.
  • Control: You can choose to disable cookies through your browser settings, though this may limit some website features.


LINKS TO THIRD-PARTY SITES

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to read their privacy policies before providing any personal information.


YOUR RIGHTS & OPT-OUT

  • Access & Correction: You may request access to the data we hold about you and request corrections if it is inaccurate.
  • Marketing Opt-Out: You may opt out of receiving promotional marketing communications by contacting us. However, you will continue to receive mandatory transactional messages (e.g., EMI alerts) related to your active loans.


GRIEVANCE REDRESSAL OFFICER

In accordance with the Information Technology Act, 2000, and RBI guidelines, if you have any complaints, concerns, or grievances regarding the processing of your personal data, please contact our Grievance Officer:

Name: [Insert Name of Officer]
Email: grievance@rkpfinance.com

CHANGES TO THIS POLICY

RKP Finance reserves the right to update or modify this Privacy Policy at any time without prior notice. The updated policy will be effective immediately upon posting on the website. We encourage you to review this page periodically.