Real Touch Finance Limited (“Company”, “we”, “us”, “our”) respects your privacy and is committed to protecting the personal information shared with us through our website, mobile application, and other digital platforms.
This Privacy Policy explains how we collect, use, store, share, and protect your information when you access or use our services.
1. Scope of This Privacy Policy
This Privacy Policy applies to:
- Visitors of our website
- Customers applying for loans
- Existing borrowers / customers
- Vendors, service providers, and business partners
- Any individual interacting with our online portals, customer service, or digital services
2. Information We Collect
We may collect the following categories of information:
A. Personal Identification Information
- Name
- Date of birth
- Gender
- Photograph (if uploaded)
- PAN, Aadhaar (masked/secured), Voter ID, Passport, Driving License
- Address proof and residence details
- Email ID and mobile number
- Marital status and nominee details
B. Financial & Loan-Related Information
- Bank account details
- Salary details / business income details
- Employment details (company name, designation)
- Loan application details
- Repayment history
- Credit bureau reports and score
C. Digital / Technical Information
- IP address
- Browser type and device information
- Location details (if permitted)
- Website usage behaviour (pages visited, time spent)
- Cookies and session information
D. Documents Uploaded by User
- KYC documents
- Bank statements
- Income proofs
- Property documents (if applicable)
- Signed agreements / e-sign documents
3. Purpose of Collection & Use
We collect and use your information for:
- Loan processing and eligibility verification
- KYC verification and regulatory compliance
- Credit underwriting and risk assessment
- Disbursement and repayment tracking
- Customer service support and grievance handling
- Fraud detection and prevention
- Credit bureau reporting as per applicable laws
- Sending loan updates, repayment reminders, OTPs
- Improving website performance and user experience
- Internal reporting, audit, and compliance
4. Legal Basis for Processing
We process personal data based on:
- Customer consent provided during application
- Contractual obligations for providing financial services
- Legal and regulatory requirements (RBI, FIU-IND, Income Tax, etc.)
- Legitimate business interest such as fraud prevention and risk control
5. Sharing / Disclosure of Information
We do not sell your personal information. However, we may share your data with:
A. Regulatory Authorities
- RBI / statutory authorities
- FIU-IND
- Law enforcement agencies as required
B. Credit Information Companies (CICs)
We may share loan and repayment data with credit bureaus such as:
- CIBIL
- Experian
- Equifax
- CRIF High Mark
C. Service Providers / Technology Partners
- KYC verification providers
- eSign / eStamping service providers
- Payment gateway partners
- Loan management system vendors
- SMS/email/communication service providers
- Cloud storage and hosting providers
- Collection agencies / field executives (if required)
D. Legal and Recovery Partners
- Advocates / legal consultants
- Recovery agencies (as per RBI fair practices)
E. Business Transfers
In case of merger, acquisition, restructuring, or sale of assets, data may be transferred to the new entity subject to confidentiality.
6. Data Retention
We retain personal information only as long as required:
- For business purposes
- For legal/regulatory compliance
- For audit and record retention obligations
Even after loan closure, certain records may be stored for the statutory period as required by law.
7. Security of Information
We take reasonable and appropriate security measures such as:
- Secure servers and firewalls
- Encrypted transmission (SSL/HTTPS)
- Restricted access controls
- OTP-based authentication for sensitive activities
- Periodic security reviews and audits
However, no online system is 100% secure and we cannot guarantee absolute security.
8. Cookies Policy
Our website may use cookies and similar technologies to:
- Improve website functionality
- Maintain login sessions
- Understand visitor behavior
- Provide personalized content
You may disable cookies through your browser settings, but certain features may not work properly.
9. User Rights
You may request:
- Access to your personal information
- Correction of inaccurate data
- Deletion of data (subject to legal retention requirements)
- Withdrawal of consent (may impact service delivery)
Requests can be made through the contact details provided below.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of such websites. Users are advised to read their privacy policies separately.
11. Consent
By using our website or applying for our services, you agree to this Privacy Policy and provide consent for collection and processing of your data.
Where required, explicit consent will be taken separately through checkbox / OTP / digital acceptance.
12. Updates to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with the revised effective date. Continued use of the website after changes means acceptance of the updated policy.
13. Grievance Redressal & Contact Details
If you have any questions, concerns, or complaints regarding this Privacy Policy or data usage, you may contact:
Grievance Officer
Name: Mrs. Varsha Gupta
Designation: Company Secretary and Compliance Officer
Email: cs@realtouchfinance.com
As per RBI guidelines, grievances will be addressed within the prescribed timelines.
14. Governing Law
This Privacy Policy shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of courts where the Company’s registered office is located.