Welcome to use the services provided by SmartRupiya (hereinafter referred to as "this platform" or "we"). This application is developed and operated by INNOVATIVE MECHANICAL SOLUTIONS LLP and is committed to providing users with convenient, secure and transparent financial information services.
We are well aware of the importance of personal information and privacy protection to you, so we always put the security and compliance of user data at the core. This Privacy Policy will detail how we legally and reasonably collect, use, store and protect your personal information during your use of this platform.
Without your explicit consent, we will not disclose, transfer or sell any of your personal information to unrelated third parties. We will take a number of security technologies and management measures in accordance with applicable privacy protection laws and regulations to ensure that your data security is not abused or leaked.
Please read this policy carefully before using this platform. Once you visit or use SmartRupiya, you are deemed to have known and accepted the terms and regulations listed in this Privacy Policy. If you have any questions or suggestions about this policy, please feel free to contact us through official channels.
Partner Overview
All loan-related services, including fund disbursement, risk assessment, disbursement and repayment operations, are exclusively managed by licensed non-banking financial companies (NBFCs).
Partner Financial Institution:
D O S Lease & Finance Pvt. Ltd.
Company Identification Number (CIN): U65910DL1993PTC052192
NBFC Registration Number: B-14.01748
Official Website: www.doslease.co
FastFundr only acts as a loan intermediary and does not directly provide loans. All credit-related activities are handled in full compliance by the partner non-banking financial company (NBFC).
Please note that SmartRupiya, as a fintech service platform, cooperates with licensed P2P institutions to provide users with a variety of loan product recommendation services. The loan amount and product information displayed on the platform are provided by the partner institutions, and the final approval result and loan disbursement are determined by the funder based on the user's qualifications.
How to use information
We collect your information to provide you with more secure, efficient and personalized financial information recommendation services. The information may be used for identity authentication, risk assessment, credit scoring, loan matching, technical support and service optimization, etc. We always follow the principle of "minimum necessary" and strictly control the scope and method of data use.
Information Types and Purposes Collected
In order to ensure the security, compliance and personalized experience of the service, SmartRupiya may collect the following types of information after obtaining your authorization and consent during your use of the platform services, and use them for purposes such as credit assessment, risk control, fraud prevention and product optimization:
Financial Information
We will collect financial information related to your account, including payment records, bank account information, transaction behavior and other data for credit assessment and anti-fraud analysis.
Personal identity information
We may collect your following identity data: name, ID number, mobile phone number, email address, birthday, home address, bank card information, etc., for identity verification, credit limit assessment and fraud risk prevention.
List of installed applications
To identify whether the device has fraud risks, we will collect the list of installed applications in your device (including application name, installation time, update time, etc.), filter by package name and upload to the encrypted server:
https://dockrab.spiralaetherapex.com
These data are only used for user credit behavior analysis and risk assessment, and will never be disclosed without authorization.
Social account information
We may collect some of your social account related information (such as email, mobile phone number, WhatsApp account and social relationships) for identity recognition, behavior preference analysis and personalized service recommendations to ensure that you receive more accurate credit assessment support.
Call log information
When using voice verification code to register or log in, we will collect call type, call duration, caller ID, etc. to verify whether the verification code received is consistent with the device to improve account security.
The information is filtered by mobile phone number and encrypted and uploaded to:
https://dockrab.spiralaetherapex.com
The relevant data is only used to assist loan application and will not be provided to unrelated third parties.
Contact list information
During your loan application process, SmartRupiya may ask you to select 2 emergency contacts from your address book to assist in credit assessment and identity verification. The required information includes:
Contact name
Contact number
Relationship with you
Please note that we will only access the contact information you actively select and will not read or upload your entire address book. The collected data will be encrypted and uploaded to a secure server:
https://dockrab.spiralaetherapex.com
The collected contact information is only used for internal risk control review and fraud risk prevention, and will not be used for marketing, promotion or collection purposes.
In addition, as a neutral loan recommendation platform, SmartRupiya does not directly participate in loan issuance and collection activities, nor will it actively contact your emergency contacts. In most cases, our cooperative lenders will not actively call emergency contacts on the premise that you can contact them normally, in order to fully respect your privacy and interpersonal relationships.
Location Information
After obtaining your explicit authorization, we will collect your fuzzy geographic location to provide region-based service content optimization. This information is only used to improve product experience and will not be used for other purposes, nor will it be directly associated with your identity information.
Device information
We may collect the following device-related information:
Device model, operating system version, IP address, operator information, browser type, device manufacturer identification, etc.
This information is used to ensure application compatibility and optimize service experience.
Image information
If you actively upload images (such as ID card photos, proof of income, etc.), we will only collect the content you choose to upload for identity verification and risk assessment.
All image data is encrypted and uploaded to:
https://dockrab.spiralaetherapex.com
The platform will not access your device albums and will not collect media content that you have not authorized.
Camera permissions
After obtaining authorization, we may use the device camera to perform face recognition to ensure the authenticity and security of account operations.
The collected image information is only used for identity verification and risk control processes and not for other purposes.
Google Advertising ID (GAID)
We may obtain your GAID for advertising attribution, performance optimization and behavioral analysis to improve the relevance of recommended content.
SmartRupiya promises not to directly associate GAID with user identity information, and users can also turn off personalized advertising tracking in system settings.
How to protect data security
To prevent data leakage, tampering or abuse, we use multi-layer security mechanisms, including transmission encryption, storage encryption, firewall isolation, access control, etc., and conduct regular security audits. We upload your data to a protected server to ensure its security. However, please note that no system can guarantee 100% immunity from attacks. It is recommended that you keep your account information safe and use a secure network to access it.
Purpose of collecting information
The main purposes of our information collection include but are not limited to the following:
1. Verify user identity and ensure account security;
2. Evaluate user credit to recommend appropriate loan plans;
3. Identify potential fraudulent behavior and improve risk prevention and control capabilities;
4. Provide users with better and more accurate financial product recommendations and services.
We will always handle your information in a legal, legitimate and necessary manner.
Data Sharing Description
In order to ensure the normal operation of the service, improve the accuracy of risk control and complete the loan service process, SmartRupiya may share necessary data with specific partners in the following scenarios after obtaining user authorization:
1. Sharing information with cooperative lending institutions (NBFCs)
We will share the loan application information (such as personal information, financial status, contact information), device information (such as device model, network status, Android ID) and related risk control analysis results filled in by you on the platform with the licensed non-bank financial company (NBFC) we cooperate with for:
Loan review and issuance decision
Risk assessment and fraud identification
Contract performance and subsequent service support
The above-mentioned cooperative institutions will independently assume the responsibility for compliance management and use of data in accordance with Indian financial regulatory provisions.
2. Sharing data with third-party attribution and analysis platforms
In order to optimize advertising effectiveness and evaluate promotion channel performance, we will share some device information with audited third-party attribution service providers (such as AppsFlyer, Firebase, etc.), including but not limited to:
Android Advertising Identifier (GAID)
Device model and system version
Time of first application installation
Network status and attribution parameters
This information will only be used for advertising conversion statistics and promotion optimization, and will not involve user personal identification, nor will it be used for remarketing or sales purposes.
SmartRupiya promises that all data sharing behaviors are based on user authorization and adopt industry-standard encryption and security control measures. Data will never be provided to unrelated third parties, nor will user information be sold in any form.
Account cancellation and data deletion instructions
You have the right to apply to cancel your account at any time and request to delete the personal information related to the account. We provide you with the following operation methods:
Submit an application through the official data deletion link:
You can visit the designated page ([xxxxx]) to submit a data deletion request, and we will process it as soon as possible after verifying your identity.
Operate through the settings page in the App:
Enter the "Privacy Settings" or "Account Management" module in the app and submit a cancellation application. We will complete the account cancellation and data removal in accordance with the relevant procedures after your identity verification is passed.
Please note:
Once your account is successfully cancelled, all related data will be completely deleted and cannot be restored. If you wish to use the services of this platform again in the future, you must re-register and establish new account information.
We will properly handle your cancellation request in accordance with relevant laws and regulations, and ensure that your data rights are fully respected and protected.
Updates and Changes to the Privacy Policy
In order to adapt to the updates of laws and regulations, the development of technology, and the continuous optimization of product functions, we may revise this privacy policy from time to time. Once the policy changes significantly, we will notify you through in-app announcements or other appropriate means.
We recommend that you review this policy regularly to learn about the latest privacy protection measures. If you continue to use the platform services after the changes take effect, it will be deemed that you have read, understood and agreed to accept the updated policy content.
Contact Us
If you have any questions, suggestions or requests regarding the processing of personal information regarding this Privacy Policy, please contact us through the following methods. We will provide you with necessary assistance as soon as possible:
Customer Service Email: support@innovms.com
Office Address: 65, Shantiniketan Society, Satyam Park Society, Vadodara, Gujarat 390019, India
Customer Service Hours: Monday to Saturday, 10:00 – 18:30 (IST)
Thank you for your trust and support for our services.
SmartRupiya is committed to building a more intelligent, efficient and secure financial service platform. In the future, we will continue to optimize risk control models, expand service scope, improve user experience, and explore more convenient and innovative financial technology service solutions under the premise of legality and compliance.