A Clear Account of Your Data
Rupvo uses personal information only for stated purposes connected with the App and credit service. This Policy explains which information is gathered, why it is needed, how it is protected, and the choices available to you.
Use of the App indicates that you have read this Policy. If its terms are unacceptable, discontinue and uninstall the App. Read it together with the Terms of Service for the complete account framework.
Information Collected
We limit collection to categories needed to register, secure, and operate the Service.
Registration and identity
We receive your legal name, birth date, mobile number, email address, and government-ID details. Information is encrypted in transit and stored only at server.rupvo.com.
Device attributes
Device model, operating-system version, IP address, and Google Advertising ID support reliability and security monitoring. They are not used for advertising targeting or credit decisions.
Installed-app metadata
Package names and installation status may be checked to detect fraudulent applications. We do not enter those apps or read their messages, passwords, transactions, or browsing content.
Camera permission
The camera is used only when you initiate an identity-document capture. The image is encrypted, sent to server.rupvo.com, and permanently deleted after verification finishes.
Approximate location
If permission is granted, coarse location verifies service availability in your region. Precise GPS coordinates are not logged, and this signal is excluded from credit scoring and advertising.
Anonymised activity
De-identified navigation, session-duration, and error statistics help improve the App. These aggregated records cannot be used to reconstruct an individual user.
Why Information Is Used
- Verify identity and complete account registration.
- Administer the revolving credit line and related transactions.
- Prevent fraud, impersonation, and security incidents.
- Resolve customer-support requests accurately.
- Improve performance using anonymised usage patterns.
- Meet applicable Indian financial and legal obligations.
You may withdraw optional permissions in device settings. Features depending on that permission may become unavailable, but core account and credit functions will continue. Data behind a permission you have not granted is not accessed.
Limited Sharing
Rupvo does not sell, rent, or commercially trade personal information. Disclosure is limited to identity-verification specialists, infrastructure providers hosting the Service, and regulators or law-enforcement bodies when the law requires it.
Each service provider is bound by a data-processing agreement and may use the information only to deliver its defined service to Rupvo.
Security Controls
- TLS/HTTPS protection for information in transit.
- Role-based access that limits records to authorised staff.
- Independent security audits and penetration testing on a scheduled basis.
- Continuous automated anomaly detection with escalation procedures.
Report suspicious account activity immediately to support@rupvo.com; security messages are treated as urgent.
Retention and Disposal
Personal data is retained for the longer of the period required to fulfil its original purpose or the period required by law. After account closure and any mandatory retention window, records are deleted permanently or technically anonymised so that they can no longer identify you.
The exact retention period depends on the category of information and the applicable regulation.
Adults Only
The Service is available only to people aged 18 or older, and identity checks are intended to prevent registration by minors.
If we learn that a person under 18 holds an account, it will be closed promptly, pending transactions will be reversed, and connected data will be erased. Reports may be sent to support@rupvo.com.
Your Choices and Rights
- Access: request a copy of personal information held for you.
- Correction: ask for inaccurate or outdated details to be updated.
- Deletion: request erasure where no legal retention duty applies.
- Consent withdrawal: revoke a consent previously provided.
Send a written request to support@rupvo.com. Identity will be verified before we respond within a reasonable period.
Policy Revisions
We review this Policy as the Service and regulatory environment evolve. Material revisions will be announced through the App or by email before taking effect.
Minor corrections that do not materially change your rights take effect immediately. The date at the top shows the current version, and continued App use after an update indicates acceptance.
Privacy and Data Enquiries
Use the contact below to exercise a data right, ask about this Policy, or raise a concern regarding our handling of personal information.
Our team reviews privacy and data-related questions Monday through Friday, from 9 AM to 6 PM, and aims to respond within one working day.
support@rupvo.com