1. Our Commitment to Protecting Your Privacy
At RishFin, keeping your personal data safe is fundamental to how we operate. This Privacy Policy describes how we collect, process, store, and protect your information when you use our mobile application ("the App"), and explains the choices available to you regarding your data. By downloading, accessing, or using the App, you accept the data-handling practices outlined in this Policy. If you disagree with these practices, please discontinue use of the App.
2. Definitions
Unless otherwise explicitly stated, all capitalized terms in this Privacy Policy carry the same meanings as those defined in our Terms of Use.
3. Types of Information We Collect
To provide secure and tailored financial services, RishFin may collect the following categories of information. All data is transmitted via encrypted connections and stored on protected servers at:
🔐 https://server.rishfin.co/
a. Identity and Financial Information
This may include your full name, gender, phone number, PAN, income details, and home address. We use this information to verify your identity, assess your eligibility for credit-related services, and meet applicable regulatory requirements.
b. Device and Technical Information
We may collect details such as device model, operating system version, unique device identifiers, user profile data, network status, Wi-Fi connectivity, and mobile network activity. This data helps us identify unusual patterns, prevent unauthorized access, and maintain the security of our platform.
c. Approximate Location Information
To determine whether RishFin services are available in your area and to comply with relevant local regulations, we may collect general location data.
d. Installed Applications and Usage Data
We collect information about third-party applications installed on your device, including current version details and update history. This data supports behavioral evaluation and improves the accuracy and reliability of our credit assessment processes.
4. How We Use Your Data
RishFin processes your information exclusively for lawful, defined, and transparent purposes, including:
- Verifying user identity and reducing fraud exposure
- Creating, managing, and operating user accounts
- Sending important service notifications, updates, and alerts
- Evaluating credit eligibility and assessing financial risk
- Meeting legal and regulatory requirements (including KYC and AML obligations)
- Responding to customer inquiries and support requests
- Improving system performance, features, and user experience
We never misuse or sell your personal information.
5. Data Retention
We retain personal data only for as long as is necessary to deliver our services or fulfill legal, regulatory, or compliance obligations. If you request deletion of your personal data or account, we will process the request unless continued retention is required for legitimate purposes, audits, or dispute resolution. Anonymized data that cannot be used to identify you may be kept for internal analysis and service improvement.
6. How We Protect Your Information
RishFin implements a combination of technical controls, internal procedures, and physical safeguards to reduce the risk of data loss, misuse, or unauthorized access. Our systems are regularly monitored and updated to address emerging threats. While no online platform can guarantee absolute security, we follow widely accepted industry standards to keep your data protected.
7. Updates to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our technology, services, or applicable laws. For significant changes, we will notify you through the App or by email. Your continued use of RishFin following any update constitutes acceptance of the revised Privacy Policy.
8. Contact Us
If you have any questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at:
📧 Email: support@rishfin.xyz
By continuing to use RishFin, you confirm that you have read, understood, and accepted this Privacy Policy.