Privacy Policy

To evaluate your loan eligibility and match you with NBFCs and banks, we collect details you submit via our online forms. This includes identity details (name, email, phone number), employment parameters, monthly salary, and desired loan parameters.

Important Note on Permissions: We strictly do not request access to your mobile phone’s local media storage, gallery, files, or contact list. No document uploads or credit checks are performed without your explicit, click-wrapped consent.

We use the gathered details strictly to scan appropriate lending packages among our RBI-registered NBFC partners. Your personal contacts are only shared with the specific lender you choose to proceed with, preventing spam calls and unauthorized credit checks.

• To match you with appropriate RBI-licensed lenders.
• To estimate your monthly EMI and repayment ratios.
• To prevent fraudulent submissions or identity theft.

FundRupee employs bank-grade security protocols, including TLS 1.3 encryption for data in transit and AES-256 databases for data at rest. We carry out audits in compliance with the RBI Digital Lending Guidelines to ensure no unauthorized third party accesses your credit information.

Under RBI rules, you have the right to request deletion of your information from our advisory logs at any point, request details of partners we checked eligibility with, or withdraw your consent for future financial advisories.

The Fund Rupee mobile app is a financial planning companion — it does not process loan applications, and account data created in the app is kept separate from our website's loan advisory/NBFC-matching service unless you separately choose to apply via fundrupee.com.

What the app collects:

• Mobile number, verified via OTP, used solely to create and secure your app account (login/session management).
• Calculations you choose to save (e.g., EMI results) and your Loan Readiness checklist progress, linked to your app account so they sync across your devices.
• The app's Credit Health tool uses information you manually enter (e.g., payment habits, number of active loans) to generate an educational estimate only. We do not access, pull, or store data from any credit bureau (CIBIL, Experian, Equifax, or others) through the app.

What the app does not do:

• The app does not request access to your contacts, call logs, media files, or location.
• The app does not collect or store any identity documents (PAN, Aadhaar, etc.) — the Loan Readiness checklist is a personal planning tool only; no documents are uploaded, verified, or transmitted anywhere.
• Your app account phone number is not automatically shared with our NBFC or bank partners. It is only used for loan matching if you separately submit an application through fundrupee.com.

Storage: App account data is stored using Firebase (Google Cloud), configured to store data in India-based server regions, consistent with our data localization practices across FundRupee's services.

Deleting your app account: You can permanently delete your app account and all associated data (saved calculations, checklist progress) at any time via Profile > Settings > Delete Account, or by emailing hello@fundrupee.com.