Greetings from RAINA MERCHANDISE PVT. LTD. and welcome to RMCash. Your privacy stands as a cornerstone of our values, and we are dedicated to the meticulous safeguarding of your personal data. This Privacy Policy delineates our approach to the collection, utilization, preservation, and disclosure of your personal information, alongside our commitment to ensuring its security.
In this document, the collective reference to RAINA MERCHANDISE PVT. LTD. and RMCash is encapsulated in the terms "we" or "our".
We invite you to our loan service with a reassurance of our unwavering commitment to privacy. Through this policy, we aim to transparently convey our practices regarding your personal information, underscoring the rigorous protections we have implemented.
1. Loan Provider Details
Name: RAINA MERCHANDISE PVT. LTD.
CIN: U51909WB1995PTC068976
Support Email:
[email protected]
Financial License: 14ยท05677, issued by Reserve Bank of India
Address: 7, Swallow Lane Kolkata, West Bengal, 700001 India
It's important to us that you fully understand our Privacy Agreement before using our products and services. If any aspect of this agreement raises questions, please feel free to contact us for detailed explanations.
2. Granting of Device Permissions
To proceed with a full loan application within our app, users must consent to the following device permissions:
Camera Functionality: The app needs permission to activate the device's camera to capture images or videos, a requirement for applicants to provide proof of identity. This step is integral to the prevention of financial malpractice.
Location Verification: Permission for the app to access your device's location information is critical for determining if the loan services are applicable within your locality. Areas outside the service scope render applicants ineligible for loan services.
Contacts Scrutiny: Allowing the app to access the device's contact list enables us to perform checks, including compliance with India's local regulations and the detection of sequential numbers, which helps in mitigating potential financial fraud and reducing credit risk.
All information gathered will be securely deleted after the loan eligibility process is concluded, ensuring no information is retained indefinitely.
3. Personal Information Collection and Use
The following categories of personal information may be collected and used by us:
Identity Information: Including your name, physical address, electronic mail address, and contact number, which are used for the purposes of identification and communication.
Device Information: Such as the brand and model of your device, the operating system it employs, and a unique identifier, to facilitate the improvement of our products and for statistical evaluation.
Log Data: This includes records of your interactions with our services, such as usage logs and errors, to advance the quality of our offerings and to provide support services.
Geolocation Information: If you activate the location services feature, we may gather information about your location to offer and enhance services that rely on geographical information.
Additional Information: Comprising any other personal data you might disclose while engaging with our products and services.
4. Personal Data Usage Objectives
The collection and application of your personal data are for the purposes of:
Fulfilling your requests for specific products and services, and pursuing the enhancement of these offerings.
Processing your feedback or grievances and ensuring effective communication.
Providing you with customized recommendations and services tailored to your preferences.
Conducting comprehensive market research and statistical analysis to elevate the overall user experience.
Complying with pertinent legal obligations and defending the rightful interests of both parties involved.
5. Management of Personal Information Sharing and Transmission
Protecting your personal information from unauthorized disclosure is paramount to us. To this end, we do not sell, trade, or engage in the sharing and transmission of your personal data with third parties without obtaining your explicit prior approval or being prompted by legal requirements. When the process involves the sharing and transmission of personal information, we rigorously conform to the relevant legal standards and the guidelines of this Privacy Policy.
Through this approach, we employ comprehensive security measures aimed at maintaining the security and privacy of your personal information throughout its sharing and transmission process.
6. Personal Information Protection Initiatives
Protecting your personal data is of critical importance to us. To this end, we utilize both technological solutions and managerial protocols to secure the safety, integrity, and privacy of your personal information.
Your personal data is safeguarded using state-of-the-art encryption techniques.
We maintain strict control over who can access personal information, carefully managing their access privileges.
Our team regularly performs security audits and upgrades on our personal data storage systems.
We've instituted a comprehensive privacy protection system and ensure our employees receive ongoing training to maintain a high level of expertise in data protection.
7. Cookies and Technology Use for Personalization
Cookies and related technologies are integral to our application, employed to refine your user experience, customize services to your preferences, and perform statistical analysis. You are entitled to either accept or decline the use of Cookies. Opting out of Cookies may, however, limit your experience and prevent full utilization of our services.
8. Adjusting Your Personal Details
You possess the capability to access, adjust, or expunge your personal information under our care. For these purposes, we invite you to get in touch with us via the contact methods we've made available. Our commitment is to promptly address your needs regarding your personal data.
9. Privacy Policy Updates
We reserve the right to update this privacy policy periodically to better align with our data handling practices and legal obligations. Significant amendments will be communicated to you through appropriate channels to ensure you remain informed.
10. Inquiries and Feedback
Should you have any questions, feedback, or concerns about this Privacy Agreement or how we handle your personal data, please do not hesitate to contact us via:
The Name of Company: RAINA MERCHANDISE PVT. LTD.
CIN: U51909WB1995PTC068976
Email:
[email protected]
Postal Address: 7, Swallow Lane Kolkata, West Bengal, 700001 India
We pledge to address your concerns swiftly and effectively.
