We are committed to safeguarding your privacy, and this privacy policy explains how and why Arthvit 1809 Tech Pvt. Ltd. (“We”, “Us”, “Arthvit”) collects and uses any personal information or data when someone (“You”, “Your”, “User”, “Cardholder/Cardmember”), uses the Rupicard.
Information provided by you
To apply for Rupicard, you are required to provide some personally identifiable information, which includes but is not limited to the following:
Your name
Email address
Mobile number
Pincode
We may require you to provide additional details, as and when required, in order to comply with any applicable regulatory requirement or for additional services/products via the Application/Website, as and when offered, and may also utilise data lawfully obtained from third party service providers authorised by you, including but not limited to data pertaining to your credit score, to provide the Website services to you, subject to the terms of this Privacy Policy.
Express Consent
While providing your details/documents via the Rupicard Application /Website, including but not limited to personal information as mentioned herein above, you expressly consent to Arthvit (including its marketing channels and business partners) to contact you through SMS, Call, WhatsApp and/or Email, even if your number has DND activated on it and to follow up with regard to the services provided by Arthvit, for imparting product knowledge, offering promotional offers running on the Website & various other offers/services by our business partners.
The Website requires you to provide consent for keying in or uploading your personal information, as may be necessary to process your application. Any personal information which requires to be keyed in or uploaded is required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted or availed of by you. You hereby give your consent to Arthvit to obtain your KYC details from CERSAI CKYC portal.
Information automatically collected while using the website
We strive to keep automatically tracked information to a minimum by obtaining no permissions from the Website, unless absolutely necessary to enable proper functioning of the Website. However, we may collect information relating to your use of our Website such as your IP address, browser type, access time and time spent. We may also collect information about the screens/pages you view within our Website and other actions you take while using our Website.
We may use third party services for such automatic collection, however no personally identifiable information will be shared with such third parties, unless required under applicable laws.
Use of Personal Information
We do not share any information with third parties for soliciting products and services offered by them. Information automatically tracked while using the Website allows us to collect statistics about your usage, allowing us to deliver a more effective and personalized experience.
Information Sharing
We do not share any of your personal information with any third parties except when it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences.
We may need to share limited personal information with our partners who perform services for us (eg. KYC / documents collection, card delivery, Collection Agencies and other related partners, etc) and help us operate our business. We require our partners to safeguard this information and only use your personal information for the purposes we specify.
Information Security
We take appropriate security measures to protect against unauthorised access. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to systems where we store personal data. All information gathered on our Website is securely stored within a controlled database. Access to the servers is password protected, controlled, and is strictly limited.
Data Retention
We will retain your information for as long as it is necessary for providing you the services available on the Website or your request for termination of your account with us, whichever is later. Post termination of your account, we may continue to use your anonymised data aggregated or in combination with anonymised data of other users.
We use this aggregated anonymised data for data analysis, profiling and research purposes. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defense of a legal claim or for providing evidence in legal proceeding(s) if required.
If you wish to review, correct or rectify your sensitive personal information or withdraw your consent for processing your sensitive personal information, you may submit a request at grievances@arthvit.in. However, we will continue to retain sensitive personal information as per the applicable laws.
Log Files
This information may include Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
Cookies and Do Not Track / Incognito mode settings
The RupiCard website uses Google Analytics, a web analytics service provided by Google. This software uses cookies that are text files containing small amounts of information which are downloaded to your device when you visit a website, in order to provide a personalised browsing experience. These cookies help Google identify unique users, unique sessions, gather information and store information. No personally identifiable information is retrieved or stored.
Cookies allow users to navigate between pages efficiently, remembering their preferences, and generally improving their browsing experience. These cookies collect information analytics about how users use a website, for instance, often visited pages, time spent on each page etc. All information collected by third party cookies is aggregated and therefore anonymous. By using the RupiCard website, the user agrees that these types of cookies can be placed on his / her device. The user is free to disable/ delete these cookies by changing his / her web browser settings. Arthvit and its affiliates are not responsible for cookies placed in the device of Users by any other website and information collected thereto.
Grievance Redressal Policy
If you have any grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy Policy or any other privacy or security concern related to the Website, you can send an email to us on grievances@arthvit.in.