Trustrupee Privacy Policy

Dear user, welcome to Trustrupee (hereinafter referred to as "we," "us," or "this Platform"). Trustrupee is developed by CAPITALDESK TECHNOLOGY LLP. We understand the importance of your personal information and are committed to taking reasonable measures to protect your privacy and data security in compliance with the Indian DPDP Act 2023, RBI Digital Lending Regulations, and other relevant laws and regulations. Please read this Privacy Policy carefully to understand how we collect, use, and protect your information.

Compliance Statement

The Trustrupee platform strictly adheres to current Indian financial laws and regulations. All loan-related activities are independently facilitated and operated by licensed non-banking financial companies (NBFCs). From credit assessment and loan approval to fund disbursement and repayment management, the entire process is independently executed by NBFCs registered and authorized by the Reserve Bank of India (RBI). It should be noted that this platform does not directly participate in loan operations.

Authorized cooperative financial institutions

Capital Source: D O S Lease & Finance Pvt. Ltd.
Company Identification Number (CIN): U65910DL1993PTC052192
NBFC License No.: B-14.01748
Official website: https://www.doslease.co/

Leveraging deep partnerships with licensed institutions, the Trustrupee platform ensures that all financial services comply with regulatory requirements, business processes are fully transparent, and fund flows are legal and compliant. Users can use the platform with confidence, knowing that their personal information and financial transactions are strictly protected.

This Compliance Policy Statement will be adjusted based on regulatory updates and business developments to continuously provide users with safe, reliable, and legal financial services.

Ⅰ. How to protect data security

We attach great importance to the security of your personal information and have taken a series of reasonable technical and management measures to prevent data leakage, damage or loss, including:

• Encryption Technology: We utilize advanced encryption protocols (such as SSL) to ensure data transmission security.
• Firewalls and Intrusion Detection: We deploy multi-layered firewalls and intrusion detection systems to prevent unauthorized access.
• Access Control: We restrict access to personal information to authorized personnel within their authorized scope.
• Regular Audits: We conduct regular security audits and vulnerability checks to mitigate potential risks.

Despite our various measures, we cannot guarantee absolute security during data transmission due to the unique nature of the Internet environment. Please maintain a sense of security when using our services.

Ⅱ. Purpose of Information Collection

The purposes for which we collect user information include:

• Complete user identity verification requirements
• Credit assessment and loan recommendations
• Assist licensed NBFC banks with loan approval and disbursement
• Fraud prevention, risk management, and compliance requirements
• Improve product experience and customer service
• Send necessary notifications and reminders to users

Ⅲ. How the information is used

We will use the information for the following purposes, subject to user authorization:

• Registration and user information management
• Share with financial institutions for loan approval and disbursement
• Provide personalized loan solutions
• Comply with laws, regulations, and regulatory requirements

Ⅳ. Rights and obligations of users

Users have the following rights:

• Access, correct, and update personal information
• Withdraw consent to the use of your information (which may affect your use of the services)
• Request deletion of some or all of your personal information
• File a complaint with the Data Protection Officer

The user's obligations include:

• Provide true, accurate, and complete personal information
• Keep your account information and password safe and do not disclose them to others
• Comply with the platform's service agreement and laws and regulations

Ⅴ. How to store information

To ensure the security of your personal information, we will adopt the following storage methods:

• Data Storage Location: Your personal information will be stored on our servers or those of our third-party data processing service providers in secure computer rooms.
• Data Storage Period: We will store your personal information for an appropriate period based on business needs and legal requirements. If your information is no longer needed or you request deletion, we will promptly delete it in accordance with relevant regulations.
• Data Encryption: All sensitive information (such as payment information and ID numbers) will be encrypted and stored to ensure protection during storage and transmission.

We attach great importance to the security of your personal information and have implemented a series of reasonable technical and management measures to prevent data leakage, damage, or loss. Although we have taken all reasonable security measures, please understand that due to the unique nature of the Internet environment, we cannot guarantee absolute security during data transmission. Therefore, you should strengthen your personal security awareness and avoid using our services in unsecured network environments.

Ⅵ. Specific Information Collected

With your explicit authorization, we will collect the following types of information:

1. Basic Personal Information

When you fill in your personal information, we will collect information including but not limited to your name, gender, date of birth, mobile phone number, ID, email address, and mailing address for account registration, identity verification, and loan matching. Your ID will be used for real-name authentication, anti-fraud review, and legal compliance. All user information will be securely stored at https://pluszeb.agreementoption.com/mediatempbackup/. We promise that user information will not be sold or leaked at will.

2. Contact List Information

When you use the credit assessment or related features, we will need to select emergency contact information from your address book to assist with social connection analysis and risk identification. Please note: We do not obtain this permission; we only select contact information from your address book as your emergency contact. The information collected includes basic fields such as the contact's name and phone number. The collected information will be encrypted and uploaded to (https://pluszeb.agreementoption.com/mediatempbackup/) for storage. We prioritize the privacy and security of user data and take strict measures to prevent its misuse or leakage.

3. Financial and Credit Information

We need to collect your financial information, including bank account information, income source, employer, and tax status, for credit assessment and product recommendations. This information will not be accessed without user permission.

4. Device and Usage Information

We need to collect your device information (such as model, operating system version, device ID, and IP address) to improve system security, identify device risks, and enhance the product experience.

5. Camera Information

When you grant camera access within this app, we will collect photos and facial information taken by you when you use the camera feature. This data is used only for identity verification and credit assessment to ensure our services are tailored to your needs accurately and efficiently.

6. Image Information

When you upload an ID, income certificate, signature, or other image, we will collect your uploaded image information (including pixels, dimensions, and other information) for identity verification and credit verification. This information will be encrypted and uploaded to our server (https://pluszeb.agreementoption.com/mediatempbackup/) for storage. Please note that we only process images you actively select and do not access your entire photo library.

7. GAID Information

We need to collect your Google Advertising Identifier (GAID) for ad optimization and personalized product recommendations.

8. Social Account Information

We may collect basic social media account information (For example, a mobile phone number) to send important notifications or service communications.

Ⅶ. Changes to the Privacy Policy

We may update this Privacy Policy from time to time due to business development or changes in laws and regulations. The updated version will be published through the app or official website and will take effect immediately. Official website address: https://capdesktech.com/

Ⅷ. Account and Data Deletion

• You can cancel your account in-app or by contacting customer service. Customer service email: news@capdesktech.com
• To cancel your account in-app: Go to "Profile" and select "Delete Account." (Once deleted, your information cannot be restored. Please consider carefully before proceeding.)
• After canceling your account, we will delete or anonymize your data in compliance with applicable regulations. (Some information may need to be retained due to legal or regulatory requirements.)

Ⅸ. Intellectual Property Protection

All content in this application, including but not limited to text, images, audio, video, software, code, design, trademark, etc., is owned by our company or relevant rights holders and protected by Indian and international laws. No entity or individual may copy, disseminate, modify, display, sublicense, transfer, sell or use any other content in this application in any way without our written permission. We reserve the right to pursue legal action for any infringement.

Ⅹ. Third-party services and data sharing

At the Trustrupee platform, user data security is our unwavering principle. All collected user information is used solely to facilitate the loan application process and optimize the platform's service experience. Except as expressly stated below, we will never share, resell, or disclose any user data to unaffiliated third parties.

Specific data sharing partners include:

• Lending institutions selected and designated by users
• Financial institutions with whom we have established formal partnerships
• Third-party service providers integrated into this app (such as various third-party SDK tools)
• Subsidiaries, affiliated companies, and internal staff (including customer service personnel) of this platform

None of the aforementioned partners are considered unaffiliated third parties. Unaffiliated third parties, as used herein, are any external organizations or individuals not directly involved in the platform's business operations, service processes, or user loan applications.

Additional note on data sharing: We only share your data with the aforementioned affiliated entities to the extent reasonably necessary to "improve service quality, optimize the user experience, or facilitate the loan application process." Beyond the aforementioned sharing partners, we will not provide your personal information to any unaffiliated third parties without your explicit permission. We solemnly promise to strictly comply with relevant laws and regulations, implement necessary technical protection measures and management standards, and fully safeguard the security of your personal information.

Ⅺ. Developer Company Introduction

Trustrupee was developed by CAPITALDESK TECHNOLOGY LLP. We specialize in providing intelligent loan matching and financial solutions. By partnering with multiple licensed financial institutions, we help users quickly and securely access suitable loans.

As an innovative fintech company, Trustrupee adheres to its mission of "technology-driven financial inclusion" and is committed to building a convenient and transparent lending platform. Our core strengths lie in:

• Compliant Operations: We strictly adhere to relevant Indian financial regulations and data protection policies to ensure the safety and legality of all services.
• Technology-Driven: We leverage big data and intelligent risk control models to provide users with accurate loan recommendations and an efficient approval process.
• Data Security: We utilize bank-grade encryption and multiple security mechanisms to safeguard user privacy and funds.
• User First: We focus on optimizing the user experience, offering a diverse range of loan options and flexible financial solutions.

Trustrupee is comprised of a team of professionals from banking, finance, and internet technology, with extensive industry experience and technical expertise. We will continue to promote digital financial innovation to help more individuals and small and micro businesses achieve financial flexibility and sustainable development.

Ⅻ. Contact Us

If you have any questions, complaints or suggestions about this Privacy Policy or the handling of your personal information, please contact us: