RTSPL Privacy Policy

Last updated on November 28th, 2023

This privacy policy (the "PRIVACY POLICY") applies to your use of the website of Razorpay Tech Solutions Private Limited (RTSPL) hosted at https://x.razorpay.com/line-of-credit, https://x.razorpay.com/cash-advance and https://x.razorpay.com/capital, the Services (as defined under the Razorpay "Terms of Use") and RTSPL applications on mobile platforms (Android, Blackberry, Windows Phone, iOS etc.) (collectively ("RTSPL" or "WEBSITE")), but does not apply to any third party websites that may be linked to them, or any relationships you may have with the businesses listed on RTSPL.

The terms "WE", "OUR" and "US" refer to RTSPL and the terms "YOU", "YOUR" and "USER" refer to you, as a user of RTSPL. The term "PERSONAL INFORMATION" means information that you provide to us which personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information. Our practices and procedures in relation to the collection and use of Personal Information have been set-out below in order to ensure safe usage of the Website for you.

What Information do we collect?

We collect your personal information in order to provide and continually improve our products and services.

Here are the type of information that we collect:

Information you give us: We receive and store any information you provide in relation to RTSPL. This information may include the following but not limited to name, phone number, Address, Date of Birth, Gender, email id, PAN card number and bank account statements.

Automatic information: We automatically collect and store certain types of information about your use of RTSPL. Like many websites, we use cookies and other unique identifiers, and we obtain certain types of information when your web browser accesses the RTSPL website.

Information from other Sources: We may collect information about you through your partners to whom we may be associated with to provide our services.

How we use your information

  • Process applications submitted by you

  • To provide the service which we are offering to you

  • To refer services of affliates and lender partners

  • To comply with statutory and other requirements under law

  • To assess your creditworthiness for our services

  • To reply to your queries being submitted by you

  • To make our website and services better

  • To send out communication regarding the payment and repayment on your credits or any other charges

  • To send you promotional offers, new products or services available on our website or third parties with whom we have a tie up

  • To provide you with location-based services, such as advertising and other personalised content, and incrementally offer services of our affiliates to You

  • To resolve problems with any services provided to you

  • To perform internal analysis

Controller of the information

Your Personal Information will be collected by and / or stored by RTSPL including its authorized representatives, affiliates and business partners

How we share your personal information

  • You agree and acknowledge that we may share your personal information with our data partners/service providers/affiliates and lender partners who assist in providing services (including their services) to RTSPL. We restrict the collection and use of your personal information.

  • RTSPL does not let anyone use your account information and any other personal identifiable information. Third parties, collection agencies, who have tie up with us can contact you for specific purposes and tell you about our services but with a limited access and they are required to maintain the confidentiality of the information as mentioned in the contract with us

  • You agree and acknowledge that we may share your personal information to the government agencies under the law in case of identity verification, investigation of cyber incidents, hearings and punishment of offences, or where disclosure of information is required for the legal purpose. We may also need to disclose the information to third parties under the law

  • RTSPL has various different types of products including but not limited to line of credit and credit cards offered by authorized banks or NBFCs. If you apply for these products or services and while availing these, we disclose your information to these providers and thereafter the use of your information is dependent on their privacy policies for which RTSPL is not responsible

Tracking via Cookies

RTSPL and its partners use cookies to analyze trends, manage the website, improve marketing, track user’s preferences around the website and collect demographic figures for overall use. You can control the use of cookies at an individual browser stage by disabling these cookies that may restrict your use of certain features or services on our website

Security

We use industry standard measures to protect the Personal Information that is stored in our database. We follow industry standard best practices on Information Security, as also mentioned in our website. We limit the access to your Personal Information to those employees and contractors who need access to perform their job function, such as our customer service personnel. You hereby acknowledge that RTSPL is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorized manner.

Deleting your information

If you wish to delete your account or personal information, please send an email request to us dpo@razorpay.com for deletion of your information. Provided there is no regulatory or legal obligation to retain the data, on receiving your request for deletion, we will erase your data, discontinue to send you any further communications in context to the products opted by you. Please note that we or our Partners would not be able to provide you services relating to products opted by you in case your information is not available with us, however we shall purge raw Bureau data every 6 months.

Applicable Law

Your use of this Website will be governed by and construed in accordance with the laws of India. The Users agree that any legal action or proceedings arising out of your use may be brought exclusively in the competent courts/ tribunals having jurisdiction in Bengaluru in India and irrevocably submit themselves to the jurisdiction of such courts/ tribunals.

Complaints and Grievance Redressal

If you contact us to provide feedback, register a complaint, or ask a question, we will record any Personal Information and other content that you provide in your communication so that we can effectively respond to your communication. Any complaints or concerns in relation to your Personal Information or content of this Website or any dispute or breach of confidentiality or any proprietary rights of User during use of the Website or any intellectual property of any User should be immediately informed to the Data Protection Officer at the co-ordinates mentioned below in writing or by way of raising a grievance ticket through the hyperlink mentioned below:

Data Protection Office

Data Protection Officer
Razorpay Tech Solutions Private Limited
Address: No. 22, 1st Floor, SJR Cyber,
Laskar – Hosur Road, Adugodi, Bangalore - 560030
Ph: 080-46669555
E-mail: dpo@razorpay.com
Grievances portal: https://x.razorpay.com/