Privacy Policy
1. Introduction
This Privacy Policy describes how Rubi Micro Services and Group Association (“Company”, “We”, “Our”, or “Us”) registered office at Uday Shankar Sarani Road Mahakal Pally Siliguri collects, uses, processes, stores, and protects personal information of users and borrowers who access our website, mobile applications, or any services offered by us.
This policy applies to all visitors, customers, borrowers, partners, and users who interact with the Company through our digital platforms or services.
By accessing our website or using our services, you acknowledge that you have read, understood, and consent to the practices described in this Privacy Policy.
2. Scope of Policy
This Privacy Policy applies to:
- Visitors accessing the Company website
- Customers applying for loans
- Existing borrowers
- Partners, vendors, or service providers
- Users interacting with digital platforms, mobile applications, or online portals
This policy governs all personal information collected through:
- Website forms
- Mobile applications
- Email communication
- Physical documentation
- Third-party integrations
3. Information We Collect
The Company may collect the following categories of information:
3.1 Personal Identification Information
- Full name
- Date of birth
- Gender
- Marital status
- Photograph
3.2 Contact Information
- Residential address
- Business address
- Email address
- Mobile number
3.3 Identity Verification Information
- PAN card
- Aadhaar card
- Voter ID
- Passport or other government identification
3.4 Financial Information
- Bank account details
- Credit history
- Income details
- Employment information
- Loan repayment records
3.5 Business Information (if applicable)
- Business registration details
- Nature of business
- Financial statements
- GST registration details
3.6 Technical Information
When users access our website or digital services, we may automatically collect:
- IP address
- Device information
- Browser type
- Operating system
- Website usage patterns
- Cookies and tracking data
3.7 Transaction Information
- Loan application details
- Repayment history
- Payment methods
- Communication records
4. Purpose of Collecting Information
The Company collects and processes personal information for the following purposes:
- Processing loan applications
- Conducting credit assessment and risk analysis
- Verifying identity and preventing fraud
- Complying with regulatory requirements
- Managing loan accounts and repayments
- Providing customer support
- Improving website functionality and services
- Conducting internal audits and analytics
- Communicating with customers regarding services, updates, and notifications
5. Legal Basis for Processing Data
The Company processes personal information based on:
- Consent provided by the user
- Performance of contractual obligations
- Compliance with legal and regulatory requirements
- Legitimate business interests of the Company
6. Sharing of Information
The Company may share personal information with the following entities where necessary:
6.1 Regulatory Authorities
- Reserve Bank of India
- Government departments
- Law enforcement agencies
6.2 Credit Information Companies
For credit assessment and reporting purposes.
6.3 Service Providers
- Technology providers
- Payment processing companies
- IT service providers
- Data analytics firms
6.4 Legal Advisors and Auditors
For compliance, legal proceedings, or audits.
6.5 Recovery Agencies
Where required for recovery of outstanding dues.
7. Data Security
The Company implements reasonable technical and organizational security measures to protect personal information from:
- Unauthorized access
- Disclosure
- Alteration
- Loss or misuse
Security measures may include:
- Encryption protocols
- Secure servers
- Access control systems
- Regular security audits
8. Data Retention
The Company retains personal information only for as long as necessary to:
- Fulfil the purposes described in this policy
- Comply with legal and regulatory obligations
- Resolve disputes and enforce agreements
9. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
- Improve website performance
- Remember user preferences
- Analyze website usage
10. User Rights
- Right to access personal information
- Right to request correction of inaccurate information
- Right to withdraw consent for data processing
- Right to request deletion of personal data where permissible
11. Third-Party Links
Our website may contain links to third-party websites. The Company does not control or assume responsibility for their privacy practices.
12. Children's Privacy
The Company does not knowingly collect personal information from individuals under the age of 18.
13. Data Transfers
Personal information may be processed or stored on servers located within or outside India subject to applicable legal safeguards.
14. Grievance Redressal
Email: rubimicrofin@gmail.com
Phone: +91 9083001555 / 9083002555
15. Changes to Privacy Policy
The Company reserves the right to modify or update this Privacy Policy at any time.
16. Consent
By accessing our website or using our services, users confirm that they have read and understood this Privacy Policy and consent to the collection, processing, and use of their personal information in accordance with this policy.