Privacy Policy

1. Introduction

Rise Finance ("we", "us" or "our") respects the privacy of visitors and individuals who contact us regarding financial products, loan enquiries or related assistance.

This Privacy Policy applies to information collected through our website, enquiry forms, telephone calls, WhatsApp conversations and other communication channels that we use in connection with our services.

By using our website or submitting an enquiry, you acknowledge that you have read this policy. Where consent is legally required, we will seek that consent before carrying out the relevant activity.

2. Information We May Collect

Depending on your interaction with us, we may collect the following categories of information:

Personal and contact information

• Name and contact details, such as phone number and email address.
• General information you provide when submitting a loan enquiry.
• Preferred contact method and communication history.

Loan enquiry information

• The type of loan or financial assistance you wish to discuss.
• General information about employment, occupation or business, where relevant.
• Other details you voluntarily provide to help us understand your enquiry.

Technical information

• Browser, device and operating system information.
• Pages visited, approximate usage information and referral sources.
• IP address, cookies and similar technical data, where collected by our website or service providers.

Please do not submit passwords, OTPs, payment card PINs or other authentication secrets through our website or messaging channels. We only request information that is reasonably necessary for the relevant purpose.

3. How We Use Your Information

We may use information for purposes such as:

• Responding to questions and loan enquiries.
• Understanding which financial service you wish to explore.
• Communicating about your enquiry and any requested follow-up.
• Explaining general application steps and documentation requirements.
• Operating, maintaining and improving our website and services.
• Preventing fraud, misuse, spam and unauthorised activity.
• Maintaining business records and meeting applicable legal obligations.
• Sending service-related updates and, where permitted, promotional communications.

We do not promise or guarantee loan approval, eligibility or disbursal. Information provided to us does not itself constitute approval by a bank or financial institution.

4. Sharing of Information

We do not sell personal information as a routine business practice. We may disclose information when reasonably necessary for a stated purpose, with appropriate authority or consent where required, or when permitted or required by applicable law.

Service providers

We may use website hosting providers, communication platforms, technical support providers and other service providers to operate our website and respond to enquiries.

Banks, NBFCs and other lenders

If you specifically request assistance involving a lender, your information may be shared with that lender or an authorised intermediary only where appropriate and permitted, including where required consent or authorisation has been obtained. The lender may independently collect information and apply its own privacy policy, eligibility checks and terms.

Legal and security requirements

Information may be disclosed where required by law, a lawful government request, a court order or to protect the rights, safety and security of users, our business or others.

5. WhatsApp, Calls and Other Communication

Our website may provide links to WhatsApp and telephone services. If you choose to contact us through these channels, the information you provide will also be handled according to the applicable platform's terms and privacy policy.

WhatsApp and other third-party communication services operate independently of Rise Finance. Their collection, storage and processing of information are governed by their own policies.

Please verify that you are communicating with our intended business contact before sending personal or financial documents.

6. Cookies and Website Analytics

Our website may use cookies or similar technologies to support essential website functions, remember preferences, understand website usage and improve performance.

If analytics or advertising tools are used, they may collect technical information according to their own policies and applicable consent requirements. You can manage cookies through your browser settings. Disabling some cookies may affect website functionality.

7. Data Security

We take reasonable measures appropriate to the information we handle to protect it against unauthorised access, disclosure, alteration, loss or misuse.

However, no website, internet transmission or electronic storage system can be guaranteed to be completely secure. Please use caution when transmitting sensitive information online.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including responding to enquiries, maintaining appropriate records, resolving disputes and meeting applicable legal requirements.

When information is no longer required, we will take reasonable steps to delete it, anonymise it or otherwise handle it in accordance with applicable law and legitimate record-retention needs.

9. Your Privacy Rights and Choices

Subject to applicable law and verification requirements, you may contact us to:

• Request access to personal information we hold about you, where applicable.
• Request correction or updating of inaccurate information.
• Withdraw consent for processing where processing is based on consent.
• Request deletion of information where legally permissible.
• Opt out of promotional communications.
• Raise a concern about how your information is handled.

Some information may need to be retained to comply with legal obligations or resolve disputes. We may need to verify your identity before acting on a request.

10. Third-Party Websites

Our website may link to external websites, lender websites, maps, social media platforms or other third-party services. We do not control the privacy practices or content of those external services.

We recommend reviewing the relevant third party's privacy policy before providing personal information or using its services.

11. Children's Privacy

Our services are intended for individuals who can lawfully use the relevant financial services. We do not knowingly seek to collect children's personal information for independent loan enquiries. If you believe a child has provided personal information to us improperly, contact us so that we can review the matter.

12. Privacy of Financial Information

Rise Finance does not guarantee that any particular financial product is suitable for you. Please review the lender's official documentation before applying for or accepting a financial product.

Never disclose an OTP, UPI PIN, ATM PIN, banking password or card CVV to anyone claiming to help with loan approval. Verify the identity and authorisation of any lender or intermediary before sharing financial documents.

13. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our website, services, operational practices or applicable law. The updated version will be published on this page with a revised "Last Updated" date where appropriate.

We encourage you to review this page periodically.

14. Applicable Law

This Privacy Policy is intended to operate subject to applicable laws and regulations in India, including applicable data protection and privacy requirements. Where a provision of this policy conflicts with applicable law, the applicable legal requirement will prevail.

15. Contact Us

If you have questions, requests or concerns about this Privacy Policy or your personal information, please contact Rise Finance using the details below.