Privacy Policy

Privacy Policy

MAHAMAYA SOFTWARES LLP ("we"), the developer of RupeeGet!, is committed to providing users with a secure and reliable online financial services platform and strictly abides by relevant laws and regulations regarding user privacy and personal information protection.

We solemnly promise:

• Any data we collect will not be shared with unrelated third parties other than the financial institution to which the user has applied without the user's explicit authorization;
• We will not sell or disclose users' personal information in any form;
• We will periodically update and improve this Privacy Policy in accordance with applicable laws and regulations and technological developments to ensure information security and compliance.

By using this platform, you acknowledge that you have fully read, understood, and agreed to all the terms and conditions of this Privacy Policy.

Compliance Policy Statement

The RupeeGet! platform strictly adheres to current Indian financial laws and regulations, ensuring that all loan-related activities are independently conducted and managed by licensed non-banking financial companies (NBFCs). The entire loan process, including but not limited to credit assessment, loan approval, fund disbursement, and repayment management, is independently performed by NBFCs registered and authorized by the Reserve Bank of India (RBI). The platform does not directly engage in loan lending.

Authorized Partner Financial Institutions

Company Name: Manglam Fiscal Services (P) Ltd.

Company Identification Number (CIN): U65993WB1989PTC047573

NBFC License Number: B.05.05260

Official Website: https://www.manglamfiscal.in/

Through close collaboration with licensed institutions, RupeeGet! ensures that all financial services comply with regulatory requirements, business processes are transparent, and fund flows are legal. Users can use the platform's services with confidence, knowing that their personal information and financial transactions are strictly protected. This compliance policy statement will be adjusted accordingly with regulatory updates and business developments to ensure that we continue to provide users with safe, reliable and legal financial services.

I. Specific Information Collected:

1. Financial Information: We need to collect your payment information, transaction history, and bank card information for fraud prevention analysis.

2. Personal Information: This includes your key identification information: ID card, email address, mobile phone number, birthday, bank card information, home address, etc. This information will be used to assess credit limits and prevent fraud risks. All collected information will be encrypted and uploaded to https://mpear.dhanamitraplus.com for user value assessment and anti-fraud analysis. This information will not be shared with unrelated third parties other than the lending institution you applied to, and user data will not be sold or leaked.

3. Social Media Account Information: We collect this information (Including your mobile phone number, WhatsApp account, email and other social software accounts) to analyze your preferences and provide you with more customized services.

4. Camera Information: When you authorize camera access on your device within our app, we will receive your photo and facial data whenever you interact with the camera. This data will be used for identity verification and credit assessment to ensure our services accurately and efficiently meet your needs.

5. Contact Information: When you use our platform services, RupeeGet! collects the names and phone numbers of emergency contacts from your address book. This is used to verify your credit rating, ensure smooth communication, and mitigate fraud risks. This collected information is securely uploaded to the https://mpear.dhanamitraplus.com security center for encrypted storage. It will not be shared with any third parties other than the loan institution you applied to, and we will not sell or disclose user data. (Please note that we do not request this permission; we only select contact information from your address book as emergency contacts.)

6. Image Information: During the user authentication process, RupeeGet! will only collect images selected and uploaded by users to verify their identities, protect account security, and prevent fraud. (Please note that we do not request this permission; we only select the images we select.) All selected image data will be securely uploaded to https://mpear.dhanamitraplus.com for encrypted storage. This data will not be shared with any third parties other than the lender you applied to, and we will not sell or leak user data.

7. GAID: We will collect your Google Advertising Identifier (GAID) for ad targeting and user behavior analysis, providing you with a more personalized advertising experience. We solemnly promise that all collected data will only be used to improve our services and advertising to better meet your needs.

8. Device Information: To continuously optimize service quality and ensure user experience, we may collect certain information related to your device. This information includes, but is not limited to, device model, IP address, Android ID, browser type, operating system version, and carrier and manufacturer identifiers. The purpose of collecting this information is to evaluate your device's performance and compatibility, thereby ensuring that our applications can run smoothly on your device. By understanding the characteristics of your device, we can better provide you with customized services and promptly resolve any technical issues that may arise.

II. How We Protect Data Security

To safeguard the security of our users' personal data, we have implemented several measures, including:

1. Using data encryption technology and secure servers to ensure the safety of users when entering, sending, or accessing their personal information.

2. We maintain the security of personal data by limiting the scope of information access, strengthening confidentiality obligations and review processes, complying with relevant laws and regulations, and applying a variety of security technologies.

3. While we have implemented various security measures, we must note that data transmission over the internet still carries potential risks, and therefore we cannot guarantee the absolute security of user-submitted information. We recommend that users take appropriate precautions to protect their personal information, such as carefully managing their login credentials, changing their passwords regularly, and using secure network connections to access our platform.

III. How We Use Your Information:

To ensure we provide you with secure and convenient financial services, RupeeGet! will primarily use your information for product recommendations. We will recommend suitable financial products or services based on your needs and credit status.

Ⅳ. Developer Company:

RupeeGet! is a user-friendly, comprehensive financial tool designed to help users quickly meet their funding needs. MAHAMAYA SOFTWARES LLP are an innovative company focused on fintech, committed to providing users with convenient and appropriate financial product solutions. We take user privacy and security very seriously and have implemented multiple encryption technologies and authentication mechanisms to protect user personal information and transaction security. We are also committed to complying with relevant laws and regulations to ensure that our business operations are compliant and transparent.

V. How We Store Information:

We typically use the following measures to store user data: Encryption: We use advanced encryption algorithms (such as AES and RSA) to encrypt sensitive user information, including personal information, transaction records, and account passwords. This prevents direct access to the data, even if it is illegally obtained. Distributed Storage: We store user data across multiple servers or data centers to reduce the risk of single points of failure. Even if a node is attacked or compromised, other nodes can maintain data integrity and availability.

VI. Purpose of Collecting Information:

1. Customized Services: Based on data analysis, we can provide personalized products and services based on user preferences and needs. This means you can enjoy financial products and services that are more tailored to your needs, thereby improving your overall experience.

2. Anti-Fraud Measures: We take user security very seriously and therefore use advanced information monitoring technology to prevent potential fraud. Through real-time monitoring and analysis, we can promptly detect and prevent any suspicious activity, protecting the safety of users' funds.

We promise to use user information only when necessary and to delete it after appropriate security measures are taken.

VII. Changes to the Privacy Policy:

1. If there are significant changes to this Privacy Policy, we will promptly notify users through various channels, including but not limited to publishing the updated Privacy Policy text, posting notices on our website, or displaying pop-ups within our applications. Users should review the Privacy Policy regularly to stay informed of any changes.

2. Once users agree to the revised Privacy Policy, whether via email or public notification, they will be deemed to have received notice of the Privacy Policy changes.

3. Continued use of our services constitutes acceptance of all revised Privacy Policy changes. We will update and adjust our Privacy Policy as needed based on business development, fully respecting and protecting the rights of our users.

VIII. Data Deletion:

Users can decide to retain or delete their personal information within "RupeeGet!." We respect and comply with user deletion requests:

1. You can contact our customer service team by emailing our official email address at news@mahamayasoft.com. Our customer service staff will assist you in completing the data deletion process. Please note that once your account information is deleted, the data cannot be recovered. If you wish to use "RupeeGet!" services in the future, you will need to re-register.

2. For user convenience, we also provide the ability to submit a deletion request directly within the app. You can find the account deletion process in the app's settings or privacy options and follow the prompts to complete the deletion process. Upon your request, we will promptly and completely delete all related data to ensure the security of your personal information.

IX. Protection of Minors:

RupeeGet! strictly complies with laws and regulations. During the user registration and use process, only users aged 18 or above are allowed to successfully register and use the platform services. We implement various measures to strengthen the protection of minors, including age verification, privacy protection, risk warnings, and limit limits. These measures are designed to ensure that minors receive adequate protection and support when using financial services, preventing them from falling into unnecessary difficulties due to lack of experience and risk awareness.

Ⅹ. Cookies:

At RupeeGet!, we use cookies to enhance your experience. Cookies are small text files stored on your device to remember your preferences and login status. By using cookies, we can provide you with more personalized services and ensure a smooth experience when using our app. We promise that the information collected from cookies will only be used to improve service quality and user experience.

XI. User Rights and Obligations:

User Rights:

1. Right to Information: Users have the right to understand the app's terms of use, privacy policy, fee structure, and all related information.

2. Right to Choice: New users can choose whether to use the service based on their needs and decide whether to use recommended loan products.

3. Right to Data Protection: Users' personal information will be strictly protected and will not be disclosed to third parties without authorization.

4. Right to Withdraw: Users have the right to terminate their use of the service at any time.

Obligations:

1. Compliance with Laws and Regulations: Users must comply with all applicable laws and regulations and must not use the app for illegal activities.

2. Cooperation with Review: Users may be subject to a credit assessment or other form of review to determine whether they meet the loan requirements.

XII. Future Vision and Development:

RupeeGet! will continuously improve its risk prevention and control mechanisms, aiming to achieve more precise risk management and personalized services. By introducing advanced risk management tools and technologies, we will enhance our risk identification, early warning, and response capabilities. By deeply mining and analyzing user data, the app can provide users with more reasonable credit limits and interest rate recommendations, helping them better manage their finances.

XIII. App Features:

As an intermediary platform for financial products, RupeeGet! offers users appropriate solutions. The app's user interface is simple and intuitive, with clear and easy-to-understand operation procedures. The platform offers users a variety of financial product options to meet diverse needs. The app also features smart reminders to assist users in financial planning. For security, we utilize advanced encryption technology and multi-factor authentication mechanisms to ensure the safety of user information.

XIV. Copyright Protection:

All intellectual property rights in this platform (including but not limited to the website, mobile application, risk control system, algorithms, trademarks, content, and visual design) are owned by RupeeGet!'s developers or legally authorized parties. No individual or organization may copy, modify, reverse engineer, or use it for commercial purposes without written permission. Ownership of the original data submitted by users, including personal information and financial information, belongs to the user. Users authorize this organization to use this data within the scope of the service, but will not use it for unrelated purposes without the user's consent. The intellectual property rights for derivative products, such as credit assessments and analysis reports, generated based on user data belong to this organization.

XV. Third-Party Information Services and Data Sharing:

We strictly adhere to the principles of "legality, necessity, and transparency" in processing user information, ensuring that data is used only to meet your service needs on our platform and will not be sold or disclosed to unauthorized parties without reason. Information sharing primarily includes the following categories:

Financial Partners

To facilitate loan applications and fund disbursement, we will share your basic information (such as identity, contact information, and borrowing requirements) with licensed financial institutions, which will independently review and disburse the funds, and conduct compliance procedures.

Telecommunications Service Providers

To verify your account and identity, we will use your mobile phone number to communicate with carriers to send verification code text messages.

With user permission, your mobile phone number may also be used to send notifications or marketing communications related to loan services.

XVI. Contact Us:

If you have any questions about this Privacy Policy, please contact our customer service team, who will provide detailed answers.

Email: news@mahamayasoft.com

Business hours: Monday to Saturday, 9:00 AM to 5:30 PM.

Address: FLAT NO. 202, MEENAKSHI APARTMENTS 9, VIDHYA NAGAR, BHAWARK UHA INDORE, Madhya Pradesh, India - 452001