Privacy Policy

Ruptok Fintech Pvt Limited. (“Ruptok”) is committed to protecting your privacy and earning your trust. This Privacy Policy discloses our privacy practices for the personal information we collect when you use or access our products, services, features, or content through any website, application, or service (“Ruptok Services”), even if you have not opened a Ruptok account or visited our websites www.Ruptok.com or our mobile application (“Ruptok Sites”). We may, in our sole discretion, change this Privacy Policy from time to time by posting a revised version at Ruptok.com/about/privacy. If we make any material change, we will notify you by email (as listed in your account profile) or using a notice on Ruptok.com/about/privacy before the change becoming effective.

Ruptok collects the following information

If you use or access the Ruptok Services, or open a Ruptok account, we may collect the following personal information:

  • Contact information, such as your name, address, phone, email, and other similar information.

  • Financial information, such as your full bank account number if you choose to use it with Ruptok Services.

  • Detailed personal information, such as your date of birth or Permanent Account Number.

  • Biometric information to verify your unique Aadhar number. We do not store your biometric credentials and adhere to norms specified by UIDAI.

  • Information from your smartphone as per app store policies. You authorize Ruptok to have access to this information and you agree that Ruptok may collect and use this information per this Privacy Policy.

  • Other personal information is provided by third parties such as credit bureaus and identity verification services.

  • Your photo or “avatar” if you choose to add one to your Ruptok profile. Other users of the Ruptok Services may be able to view your photo. You may remove your photo or change it at any time in your account settings.

  • Information that you provide to Ruptok when interacting with our customer support team or other team members via phone, email, online form, or other correspondence.

  • Personal information stored with third parties that you choose to provide to Ruptok, such as social media account information and your social media contacts. By linking your third-party accounts or using third-party sign-in services, you authorize Ruptok to have access to this information and you agree that Ruptok may collect and use this information per this Privacy Policy.

  • Personal testimonial information or endorsements that you voluntarily provide to us and which we may display with your name on the Ruptok Sites with your consent. To update or delete your testimonial, contact us at contact@ruptok.com.

  • We also collect the following information (“Web Browser Information”) from your device when you use the Ruptok Services: your IP address, the type of device you use, your device identifier, your operating system version, the type of browser you use, your location, and the URL that you came from and the next URL that you visit. If you have enabled the collection of location data in the Ruptok mobile application, you can turn it off within the application’s settings on Android, or in your phone settings on iOS.

  • Financial information, such as your full bank account number/transactional SMSes if you choose to use it with the Ruptok Services.

  • Ruptok also collects your Location coordinates through GPS to provide you better & prompt customer service

Ruptok uses the personal information only for the following

We use your personal information to:

  • Provide the Ruptok Services to you.

  • Notify you about your account activity.

  • Process transactions and collect fees.

  • Provide customer support and resolve disputes.

  • Verify your identity and account information.

  • Identify, prevent, and report potentially prohibited fraudulent, or illegal activities.

  • Customize and improve your Ruptok experience and the Ruptok Services.

  • Contact you at your telephone number by voice or SMS to validate the telephone number or your Ruptok account.

  • Notify you about important changes to Ruptok Services and/or Ruptok’s terms and conditions.

  • Provide you with news, offers, and information about Ruptok Services based on your communications preferences.

  • Any other purpose that we disclose to you in the course of providing the Ruptok Services to you.

  • Checks your eligibility for unsecured loans

Personal information

We may share your personal information as follows:

Ruptok shares information about you when:

  • You apply for a loan

  • When you are involved in a transaction with another Ruptok user or a financial institution.

  • With third parties to provide, maintain, and improve the Ruptok Services (and not for these third parties’ own purposes), including fraud prevention, identity verification, analytics and marketing services, and financial institutions and other partners that are part of the payment process.

  • With third parties upon your request. For example, you may ask Ruptok to confirm your status as a Ruptok user with a third-party merchant.

  • If we believe disclosure is reasonably necessary to comply with any applicable law, legal process, or government request; to investigate or bring legal action against someone who may be violating our rights, our terms, and conditions, or the rights of others; or to protect the safety and security of Ruptok, our users, or the public.

  • With a third party if we are involved in a merger, acquisition, or sale of all or a portion of our stock or assets. If this occurs, you will be notified of any change to this Privacy Policy, as well as any choices you may have regarding your personal information.

  • We may share aggregated, non-personally identifiable information with third parties.

  • Other than as stated in this Privacy Policy, Ruptok does not disclose or sell any of your personal information to third parties without your consent. Please note that third parties, such as merchants that you pay and third-party websites that you visit, have their own privacy policies. Ruptok is not responsible for the policies and practices of such third parties.

Cookies and Web beacons

Cookies and web beacons are technologies that Ruptok and our third-party service providers use to collect Web Browser Information to track how the Ruptok Sites and Ruptok Services are used. Cookies are small data files that are stored on your computer’s hard drive and web beacons are tiny graphics embedded on webpages. These technologies allow us to: provide you with a personalized experience by recognizing you when you return to the Ruptok Sites; better understand our users by tracking how they use the Ruptok Services; improve the design and content of the Ruptok Sites by tracking how users interact with the Ruptok Sites and identify and prevent fraudulent activity. We may link Web Browser Information to any personal information that you submit while on the Ruptok Sites. Our third-party service providers may use cookies and web beacons to provide analytics services to Ruptok or to serve you advertisements in connection with the Ruptok Services.

The Ruptok Sites include social media features that allow you to “Like” or share content on third-party sites. These features may be hosted by the third party sites or the Ruptok Sites and may collect your IP address, the Ruptok Site page you are visiting, and may set a cookie to enable the feature to function. You can change your browser settings to refuse cookies, but this may interfere with your use of the Ruptok Sites. Third parties with whom we partner to provide some content such as video clips, use Flash cookies which cannot be removed using your browser settings. To learn how to manage your Flash cookie preferences, visit the Flash Player Settings Manager Help page here.

This Privacy Policy does not apply to third-party cookies, web beacons, social media features and widgets (such as the Facebook Like button), or other tracking technologies used by third parties. Ruptok is not responsible for the privacy policies and practices of such third parties.

Privacy of children

Ruptok is a general audience website. Ruptok does not knowingly collect any personal information from anyone under the age of 13.

Refer a friend

To use Ruptok’s referral service, you provide your friend’s name and email address which Ruptok uses to send a one-time email inviting them to visit the Ruptok Sites. Ruptok stores this contact information for the sole purpose of sending the one-time email and tracking the success of our referral program. Your friend may contact us at contact@ruptok.com to request that we remove this information from our database.

Public Forums

The Ruptok sites may offer publicly accessible blogs or community forums, which may require the creation of an account with a third party. Any information you provide in these areas may be visible to the public, so we recommend that you avoid disclosing personal information. To request the removal of your personal information from these areas, contact us at contact@ruptok.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Contacting Us

If you have any questions regarding the Ruptok Privacy Policy, please contact us at contact@ruptok.com.