Privacy Policy

This Privacy Policy identifies and describes the way M/s. Rupiya Finnovations Private Limited (“Rupiya“) uses and protects the information we collect ​about our Customers and Users. All uses of Rupiya’s products and services, as well as visits to our websites or Mobile application, are subject to this ​Privacy Policy. The purpose of this document is to help you understand what information is collected from or about you, how this information is used and ​protected, and what options you have with regard to this information. The Privacy policy is effective from 20 June 2022.

This Privacy Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made ​thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, ​2000. This privacy policy does not require any physical, electronic or digital signature.

This document is published and shall be construed in accordance with the provisions of the Information Technology (reasonable security practices and ​procedures and sensitive personal data of information) rules, 2011 under Information Technology Act, 2000; that require publishing of the privacy policy for ​collection, use, storage and transfer of sensitive personal data or information.

This privacy policy is a legally binding document between you and Rupiya. The terms of this privacy policy will be effective upon your acceptance of the ​same (directly or indirectly in electronic form, by clicking on the “i accept” tab or by use or the website or by other means) and will govern the relationship ​between you and Rupiya for your use of the website.

Please read this privacy policy carefully. By using the website, you indicate that you understand, agree and consent to this privacy policy. If you do not ​agree with the terms of this privacy policy, please do not use this website. You hereby provide your unconditional consent or agreements to Rupiya as ​provided under section 43a and section 72a of Information Technology Act, 2000.

By using Rupiya Website www.rupiya.app/Mobile application and/or registering for and using its products and services, you consent to our Privacy Policy. ​In the event that you do not agree with and/or consent to the terms and conditions set out herein, please do not use or access the Website and use our ​products/services. You hereby acknowledge and agree that by use of the Website our products/services, you expressly consent to collecting, receipt, ​storage, processing, and disclosure, transfer, dealing with and handling of your information by Rupiyain accordance with this Privacy Policy. You ​understand that while your account is active to use the Website and Services, Rupiya, its subsidiaries, affiliates and third parties engaged by it, may retain ​your Information and use it in any manner in order to comply with its contractual obligations and other obligations under applicable laws.

DEFINITIONS:

As used in this Policy, the terms listed below have the following meanings:

Customer – A “Customer” is anyone who purchases/avails Rupiya’s products or services.

User – A “User” is anyone who visits our website.

Personal Information – “Personal information” means any information that relates to a natural person, which, either directly or indirectly, in combination ​with other information available or likely to be available with a body corporate, is capable of identifying such person.

Services – “Services” means and include Fintech Services, Goldtech Services, Agritech Services and Investment services provided directly by Rupiya or ​through its affiliates, successors, or permitted assigns to any user/customer.

Website – “Website” means any page or location on the Internet, no matter what device cell phone, lap top, PC, etc. or protocol http, Wireless Application ​Protocol (WAP), File transfer Protocol (ftp) or other is used to access the webpage of www.rupiya.app

THE INFORMATION WE COLLECT:

We may collect different types of personal and other information based on your use of our products and services and our business relationship with you, ​including contact information, billing information, Rupiya website usage, viewing and other technical information about your use of our network, services, ​products and the Website. Information may be collected when you give it to us with the intent to purchase or interact with us about a product or service ​we offer or provide; when you use any of the solutions provided by Rupiya including but not limited to digital content, text, graphics, software and other ​materials that you may view on, access through, or upload to the product or services and when we collect it automatically when you visit our websites or ​use our products and services such as the type of operating system, the type of browser you are using, your IP address in order to provide better usability ​and personalized experience.

Information we collect:

IP address,

information from cookies

information about your computer or device (e.g. device and browser type),

information about how you use our website (e.g. which pages you have viewed),

the time when you view them and what you clicked on

the geographical location from which you accessed our website (based on your IP address)

USE OF INFORMATION WE COLLECT:

Our goal of collecting your information is to provide you with the best customer experience possible by communicating with you regarding service ​updates, delivering advertising that may be of interest to you; investigating or taking action regarding illegal activities or violations of Website policies, as ​may be laid out in our Website from time to time. We collect some information on an anonymous basis and may anonymize the personal information we ​collect about you into data groups. We may share aggregate or anonymous information in various formats with third party entities, with whom we have ​contracted with to aggregate such data and may work with those entities to do research on our product and service offerings.

DISCLOSURE:

We do not sell your Personal Information to anyone for any purpose, and we maintain information about you in our business records while you are a ​Customer, or until it is no longer needed for business, tax, or legal purposes. We have implemented encryption or other appropriate security controls to ​protect Personal Information when stored or transmitted by Rupiya. Subject to applicable legal restrictions, under the Information Technology Act 2000 ​and its applicable rules, the Rupiya group of companies may share your Personal Information with each other to make sure your experience is as ​seamless as possible, and you have the full benefit of what Rupiya and its subsidiaries have to offer and we do not provide Personal Information to non- ​Rupiya group of companies for the marketing of their own products and services without your consent. We may provide Personal Information to non-​Rupiya companies or other third parties for purposes such as pursuant to court orders, identity verification to prevent fraud and identity theft, enforcing of ​intellectual property rights or any disclosure required under any applicable law.

LINKS TO OTHER WEBSITES:

The Services and/or the Site may contain links to other websites that are not owned or controlled by us. The provision of such links does not signify our ​endorsement of such websites or their content. We have no control over, do not review and are not responsible for, the privacy policies, terms of use, or ​content displayed on such other websites. Please be aware that the terms of our Privacy Policy do not apply to any outside websites.

PRIVACY CONTROLS:

You can review and correct your Personal Information collected by us. We are happy to correct information if found to be inaccurate. Customers and ​Users may verify that appropriate corrections have been made. However, it may be noted that Rupiya, its subsidiaries, affiliates and third parties shall not ​be responsible for the accuracy and/or authenticity of the Information supplied by you and Rupiya hereby disclaims any and all liability arising out of or in ​connection with the accuracy and/or authenticity of the Information.

COOKIES:

We may use “cookies” to help you personalize your online experience. A cookie is a string of information that a website stores on a visitors/users ​computer, and that the visitors/users browser provides to the website each time the visitor/user returns. We may use cookies to identify and track visitors, ​their usage of our Website, and their website access preferences page views, date and time of visit, and other information about their use of the Website. If ​you do not wish to have cookies placed on your computer, you should set your browsers to refuse cookies before using Website. We also collect and may ​store information that your computer or mobile device provides to us in connection with your use of the Site such as your browser type, type of computer ​or mobile device, browser language, IP address, mobile carrier, unique device identifier, location, and requested and referring URLs. We may also use ​internal and third party analytics tools. The third party analytics companies we work with may combine the information collected with other information ​they have independently collected from other websites and/or other online products and services. Their collection and use of information is subject to ​their own privacy policies.

YOUR CONSENT:

In the event that you wish to withdraw your consent to collecting, receipt, storage, processing, disclosure, transfer, dealing with and handling of the ​Information by Rupiya, you may contact Rupiya at grievance@rupiya.app, informing Rupiya of your withdrawal of consent to its use as aforesaid of your ​Information. You hereby acknowledge and agree that in case you withdraw your consent to Rupiya’s use and disclosure of your Information as provided ​for in this Privacy Policy, Rupiya hereby expressly reserves the right to discontinue provision of access to the Website and Services at its own sole ​discretion.

MINORS:

Rupiya is not intended for or designed to attract users under the age of 18 and we do not intentionally or knowingly collect personal information on our ​Website from anyone under the age of 18. We encourage parents / guardians to be involved in the online activities of their children / minors to ensure that ​no information is collected from a child without parental / guardian permission.

LINKS TO THIRD PARTY SITES:

This Privacy Policy only applies to information collected by Rupiya. This Privacy Policy does not apply to the practices of companies that Rupiya does not ​own or control, or employees that Rupiya does not manage. Website may contain links to third party website(s). Any information you provide to, or that is ​collected by, third-party sites may be subject to the privacy policies of those sites, if any. Rupiya urges you to acquaint yourself with the terms and ​conditions and privacy policy of every such Third Party Sites and in this regard, Rupiya (including its subsidiaries/group companies) hereby expressly ​disclaims all liabilities with respect to the manner in which the Third Party Sites collects and/or uses the Information.

SECURITY:

We have established electronic and administrative safeguards designed to secure the information we collect, to prevent unauthorized access to or ​disclosure of that information and to ensure it is used appropriately. Although we strive to keep your Personal Information secure, no security measures ​are absolute, and we cannot guarantee that your Personal Information will never be disclosed in a manner inconsistent with this Policy (for example, as ​the result of unauthorized acts by third parties that violate the law or this Policy). Rupiya uses industry-standard technologies when transferring and ​receiving Customer’s and Users data exchanged between Rupiya and third parties to help ensure its security.

YOUR RIGHTS IN RELATION TO YOUR INFORMATION:

to access your information and to receive information about its use

to have your information corrected and/or completed

to have your information deleted

to restrict the use of your information

to receive your information in a portable format

to object to the use of your information

to withdraw your consent to the use of your information

to complain to a supervisory authority

POLICY CHANGES AND UPDATES:

We reserve the right to update this Privacy Policy as necessary to reflect any changes we make and to satisfy legal requirements. If we make a material ​change to this Policy, we will post a prominent notice of the change on our websites, and provide you with other appropriate notice and choice regarding ​the use of your information. Please check our Website periodically for changes to this Privacy Policy. You hereby acknowledge and agree that your ​continued use of the Website and product and service offerings constitutes your agreement to this Privacy Policy and any updates hereto.

CONTACT US:

Any questions or grievances about our practices or this Privacy Policy should be addressed to grievance@rupiya.app.

A LEGAL OR POTENTIAL LEGAL DISPUTE OR PROCEEDINGS:

We may need to use your information if we are involved in a dispute with you or a third party for example, either to resolve the dispute or as part of any ​mediation, arbitration or court resolution or similar process.

Arbitration and Governing Law:

In an event of any dispute, controversy, claims arising out of or relating to this Agreement, termination or invalidity thereof shall be referred to and finally ​resolved by arbitration under the provisions of the Arbitration and Conciliation Act, 1996. The Arbitration proceedings shall be conducted in English.

The Arbitral Tribunal shall be composed of One Arbitrator, appointed by the Parties to the Agreement jointly. Cost of Arbitration shall be equally be borne.

The principles of natural justice must be observed in the arbitration proceedings. The seat and venue of Arbitration shall be at Ahmedabad. The ​Arbitration award shall be final and binding upon both Parties hereto.

The said Agreement shall be governed and construed in accordance with the laws of India. Subject to Clause (a) hereinabove, the Courts at Ahmedabad ​shall have exclusive jurisdiction to try and entertain any dispute arising out of or in connection with this Agreement.