Privacy Policy

Effective Date: 12 August 2026   |   Last Updated: 12 August 2026

1. Introduction

At Rupymart, we respect the privacy of individuals, customers, business partners and other users who interact with us.

This Privacy Policy explains how Rupymart ("Rupymart", "we", "us" or "our") may collect, receive, use, process, store, share and protect information in connection with our website and our services.

Our services may include:

• Credit score improvement guidance
• Credit profile assessment and assistance
• Debt collection and recovery support
• Loan underwriting support
• Financial document assessment
• Creditworthiness and repayment-capacity assessment
• Related financial support and consultancy services

Because some of these services may require access to personal and financial information, we seek to handle such information responsibly, confidentially and only for legitimate purposes.

By accessing our website, submitting information to us or engaging our services, you acknowledge that you have read this Privacy Policy.

2. Information We May Collect

Depending on the nature of your interaction with Rupymart, we may collect different categories of information.

A. Personal Information

This may include:

• Full name
• Mobile number
• Email address
• Residential or correspondence address
• Date of birth, where required
• Occupation or employment details
• Business or professional information
• Other information voluntarily provided by you

B. Financial and Credit-Related Information

Where required for a specific service and lawfully obtained, this may include:

• Loan-related information
• Existing financial obligations
• Credit card or borrowing information
• Credit report information
• Credit score information
• Repayment history
• Income details
• Bank statement information
• Salary or business income information
• Employment records
• Loan application information
• Financial documents submitted for assessment

Rupymart will seek to collect only such information as is reasonably necessary for the relevant service.

C. Identification and Verification Information

Where identification or verification is necessary, we may request appropriate supporting documents or information. Any collection or processing of identification documents will be subject to applicable requirements and the purpose for which such information is required.

D. Website and Technical Information

When you visit our website, certain technical information may be collected automatically, including:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Date and time of access
• Referring website
• Interaction with website features
• Cookies and similar technology information

Such information may be used to maintain website security, understand website performance and improve user experience.

E. Communication Records

Where you contact us through email, telephone, forms or other communication channels, we may maintain records of those communications for service delivery, quality control, dispute resolution, compliance and security purposes.

3. How We Obtain Information

Information may be obtained:

• Directly from you
• From organizations engaging Rupymart to provide services
• From financial institutions or lending partners where legally and contractually permitted
• From documents provided for underwriting or assessment
• From authorised third-party service providers
• From publicly available sources
• Through our website and technological systems
• Through other lawful sources relevant to the service being provided

Where information concerning an individual is supplied to us by a business client or another organization, that organization is expected to have the necessary authority or lawful basis to provide the information.

4. Purposes for Which Information May Be Used

Rupymart may process information for purposes including:

Credit Guidance

To review credit-related information and provide guidance intended to help individuals better understand and manage their credit profile.

Loan Underwriting

To review applicant information, financial documents, creditworthiness, repayment capacity and potential risk factors for underwriting support.

Debt Collection and Recovery

To identify and communicate with relevant customers, maintain repayment records, coordinate outstanding obligations and assist clients with responsible recovery activity.

Customer Support

To respond to enquiries, requests, complaints and service-related communications.

Verification

To verify information and documentation submitted in connection with the services.

Service Improvement

To analyze our processes and improve the quality, security and efficiency of our services.

Fraud and Risk Prevention

To identify, investigate or prevent suspected fraud, misuse, unauthorized activity or security incidents.

Legal and Compliance Requirements

To comply with applicable legal obligations, regulatory requirements, contractual obligations, court orders or lawful requests from competent authorities.

Business Operations

For internal administration, auditing, record keeping, service management and legitimate operational requirements.

5. Consent and User Authorization

Where consent or authorization is required, Rupymart may seek appropriate consent before collecting or processing relevant information.

You should provide information concerning yourself or another individual only where you are authorized to do so.

Where permitted by applicable law, you may withdraw previously provided consent by contacting us. Withdrawal of consent may affect our ability to provide a service where the relevant information is necessary for that service.

6. Credit Information

Rupymart does not independently determine, create or guarantee a customer's credit score. Credit scores and credit reports may be generated or maintained by authorized credit information companies and other relevant institutions.

Where Rupymart assists a customer in reviewing a credit profile, our role is limited to providing guidance, analysis or assistance based on the information lawfully available to us. We do not guarantee:

• Removal of accurate negative information
• A particular increase in credit score
• Loan approval
• A specific interest rate
• Credit eligibility
• Any particular lending decision

Where an error is identified in information maintained by a third party, correction may remain subject to the procedures and decisions of the relevant institution.

7. Disclosure and Sharing of Information

Rupymart does not intend to sell personal information as a commodity. Information may, however, be shared where reasonably necessary with:

• Authorized employees and personnel
• Clients for whom relevant services are being performed
• Banks, NBFCs or financial institutions, where applicable and authorized
• Professional advisors
• Technology and infrastructure providers
• Verification and analytical service providers
• Auditors
• Legal advisors
• Regulatory, judicial, governmental or law-enforcement authorities where legally required
• Other parties specifically authorized by the concerned individual

Access should be limited according to the nature and purpose of the engagement.

8. Service Providers

Rupymart may use third-party vendors for functions such as:

• Website hosting
• Cloud infrastructure
• Communication services
• IT support
• Data processing
• Security
• Analytics
• Customer relationship management
• Document management

Where appropriate, we expect service providers handling information on our behalf to maintain suitable confidentiality and security standards.

9. Data Security

Rupymart seeks to implement appropriate administrative, organizational and technical safeguards designed to protect information against:

• Unauthorized access
• Unauthorized disclosure
• Misuse
• Alteration
• Accidental loss
• Destruction
• Theft
• Cybersecurity incidents

However, no electronic transmission, database or online platform can be guaranteed to be completely secure. Users should also take reasonable precautions to protect their devices, login credentials, documents and communication accounts.

10. Data Retention

Information may be retained only for as long as reasonably necessary for:

• Providing the relevant service
• Completing the purpose for which it was collected
• Maintaining required business records
• Handling complaints and disputes
• Meeting contractual obligations
• Fraud prevention
• Establishing or defending legal claims
• Compliance with applicable legal or regulatory requirements

Information that is no longer reasonably required may be deleted, anonymised, archived or otherwise handled in accordance with applicable requirements and internal retention practices.

11. Cookies and Similar Technologies

Our website may use cookies or similar technologies to:

• Enable website functionality
• Remember user preferences
• Understand website traffic
• Analyze website performance
• Improve user experience
• Maintain website security

Users may manage cookies through their browser settings. Disabling certain cookies may affect website functionality.

12. Marketing Communications

Where permitted and appropriate, Rupymart may send communications regarding its services, updates or relevant offerings. Users may request to stop receiving promotional communications by using any unsubscribe mechanism provided or by contacting contactus@rupymart.com.

Operational, security, grievance or service-related communications may still be sent where necessary.

13. Rights and Requests Concerning Personal Information

Subject to applicable law and the nature of the processing, an individual may contact Rupymart regarding:

• Access to information relating to them
• Correction of inaccurate information
• Updating incomplete information
• Request for deletion where permissible
• Withdrawal of consent where applicable
• Information regarding processing
• Grievances concerning handling of personal information

Requests may require reasonable verification of identity before action is taken.

14. Children's Information

Rupymart's financial and business services are not intended to be independently used by children. We do not knowingly seek to provide credit-related or debt-related services directly to minors unless permitted under applicable law and appropriately handled through an authorized parent, guardian or institution.

15. Third-Party Websites

Our website may contain links to websites, platforms or services operated by third parties. Rupymart is not responsible for the privacy practices, security, availability or content of independent third-party websites. Users should review the privacy policies of such third parties before providing personal information.

16. Changes to this Privacy Policy

Rupymart may modify this Privacy Policy from time to time to reflect changes in:

• Services
• Technology
• Business operations
• Legal requirements
• Regulatory expectations
• Information-management practices

The latest version will be made available on the website with the updated effective date.

17. Privacy Queries and Grievances

For questions, concerns or requests relating to this Privacy Policy or the handling of personal information, please contact: