PRIVACY POLICY

The website www.rio.money and associated mobile and software applications (collectively called “Platform”) is operated by Rivpe Technology Private Limited (“We”, “Us”, “Company”, “Rio” or “Our”, which expression shall mean and include its affiliates, successors and/or assigns).

THIS PRIVACY POLICY (“POLICY”) CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, THE USER OF THE PLATFORM, AND US. BY REGISTERING YOUR ACCOUNT WITH US OR BY OTHERWISE VISITING / ACCESSING THE PLATFORM, YOU ARE HEREBY PROVIDING US YOUR EXPRESS CONSENT TO VOLUNTARILY PROVIDING US AND ALLOWING US TO USE, COLLECT, ACCESS, PROCESS, STORE, DISCLOSE AND PROTECT THE PERSONAL INFORMATION IN ACCORDANCE WITH THIS POLICY. THIS POLICY DOES NOT APPLY TO THIRD-PARTY PLATFORM CONNECTED VIA LINKS ON THE PLATFORM, INCLUDING BANK PARTNER(S) (WHICH MAY HAVE THEIR OWN PRIVACY POLICY OR PRIVACY NOTICE).

YOU WILL BE REQUIRED TO AGREE TO THIS POLICY, BY TICKING ON “I AGREE WITH THE TERMS & CONDITIONS”.  IN THE EVENT YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE/ ACCESS THIS PLATFORM. YOU WILL HAVE THE OPTION TO NOT PROVIDE YOUR CONSENT, OR WITHDRAW ANY CONSENT GIVEN EARLIER, PROVIDED THAT THE DECISION TO NOT PROVIDE CONSENT / WITHDRAWAL OF THE CONSENT IS INTIMATED TO US IN WRITING AND POINT IN TIME, WE SHALL HAVE THE OPTION TO NOT PROVIDE SERVICES FOR THE PURPOSE OF WHICH THE SAID PERSONAL INFORMATION IS SOUGHT.  

THIS POLICY SHALL BE READ IN CONJUNCTION WITH THE TERMS OF SERVICE (“TERMS”) OF THE PLATFORM AND CAPITALIZED TERMS USED BUT NOT DEFINED HEREIN SHALL HAVE THE SAME MEANING ASSIGNED TO THEM UNDER THE TERMS.

INFORMATION WE COLLECT

For utilization of the Platform, it is a prerequisite for you to share specific data during the registration phase and for your activities thereafter. We may collect and process the following data about you:
 
Information You Give Us – You may be required to give us your personal data (including any sensitive personal data) while creating a User Account, or during your continued use of our Platform. You hereby agree to provide us with accurate information, and ensure that you update them, as and where a need for the same arises.
We receive the following information directly from you, thereby enabling you to make use of our Platform:
Identification Details – Name, Photograph, which are used for the purposes of registering your valid profile with the Platform.
National Identifiers – Any government issued identity card details such, is used for the purposes of mapping your identity with the profile so created and registered with, by you.
Correspondence Details – E-mail Address, Phone Number, Postal Address, which are used for the purposes of communicating with you, resolving your queries and provisioning of other support services. In case you participate in our surveys, you may also provide us with additional information out of your own accord.
Financial Data – such as income proof, financial transactions, credit reports, tax filings etc.
Location Data – we may seek your location data for providing certain Services or in order to enable you to access certain features of the Platform or in the event we suspect any fraudulent transactions.
Any other information which you may provide to us during customer-support conversations, surveys, or for assistance in case of matters related to law enforcement, investigations.

Information We Collect About You – We may also collect certain personal identifiers from you automatically, during your association with us:

Technical information: Internet protocol (IP) address, your login information, browser details, time zone setting, browser plug-in types and versions, operating system and platform and other similar information.
Information about your visit: Uniform Resource Locators (URL) clickstream with timestamp; transactions and trades executed or attempted to be executed by you; viewed and searched items; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Metadata is usually technical data associated with the content you submit, post or share on the Website. Users can add or may have metadata added to their content including geolocation, date, attribution, or other data.
Our Platform uses cookies and tracking technology (including pixels) depending on the features offered. This also allows us to improve the Platform and our Services. Third parties may also use such cookies and tracking technology if you interact with any content provided by them through our Platform, however we endeavor to identify these cookies before they are used and afford the choice for you to accept or deny them.

The information discussed here is processed for the purposes of ensuring that the Services brought to you are in order and enable us to continuously monitor and update our Platform and Service.

Information We Receive from Third Parties – We may receive information about you from third parties if you have volunteered/ consented for such information to be shared with us. We may combine and process such data internally towards our Services. We also work closely with select third parties (including, for example, subcontractors such as advertising networks, analytics providers, search information providers, infrastructural services, including cloud service providers) and may receive information about you from such sources. We may also collect and receive information in aggregated form from different browser types for analysis.
Where you opt to provide any device permissions such as contact list, photos, camera, location, microphone, SMS, storage, phone calls and NFC, we may retrieve, retain and use the data sourced through such device permissions. You retain the right to revoke the aforementioned access by amending access permissions within your device settings.





HOW WE TREAT YOUR INFORMATION

We use your information:

to create and register your User Account with us, and maintain your records and profile details, and authenticate such information;
to inform you of promotions, offers, surveys, events, products and services, which may be of interest to you;
to facilitate and provide the Services offered through the Platform;
to analysis your interactions with the Platform, Services, request type, profile fitment rewards claimed;
conducting credit or fraud checks, screenings or due diligence checks as may be required under contractual arrangement with partner bank and non-banking financial company;
to enhance the security of our Platform;
to personalize content/Services offered to you;
to provide you, or permit Selected Third Parties to provide you, to correspond with you;
for KYC verification of the details of Tax Identification Details and other Identification documents provided by you. We may seek you to validate such information by way such as OTP, or by having a third-party service provider to authenticate and validate such information, only with your consent; and/or
to prevent and identify suspicious/other   illegal   transactions   in   order   to mitigate risks relating to money laundering and other illegal activities, and discharge any other duties and obligations under the applicable laws.
      
DISCLOSURE AND SHARING OF YOUR INFORMATION

We reserve the right to disclose and share your information collected from you, with such other third parties, when you have submitted such information to us directly, or where such information is received by us from a third party, based on your consent. We share your information with other third parties who provide us with services, which are essential for us to provision you with our Services.

We may be required to disclose your personal information in the following cases:

Where we are obligated under any applicable laws or for responding to orders, direction, processes of law enforcement agencies, judiciary, governmental authorities;
Where we are in the process of detecting and preventing potential or actual occurrence of identity theft, fraud, money laundering, abuse of Services and other illegal acts;
Responding to claims that an advertisement, posting or other content violates the intellectual property rights of a third party;
Under a duty to disclose or share your personal data in order to enforce or apply our Terms and other agreements; or to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with third parties for the purposes of fraud protection and KYC verification.

DATA SECURITY PRECAUTIONS

We have in place appropriate technical and security measures to prevent unlawful access to or accidental loss of information collected including those prescribed under applicable laws. All information you provide to us is stored on our secure servers. We ask you not to share your password with anyone, and to follow general internet etiquette in operating your User Account with us.

You understand and acknowledge that any transmission through the internet is not completely secure and is at your own risk.  However, we will do our best to protect your personal data, we cannot guarantee or give any warranties in this regard, and hereby disclaim all liabilities for any breach of security, malicious attacks, error, omission or commission concerning the data transmitted through the Platform.

DATA RETENTION AND STORAGE

Notwithstanding anything contained herein or in the Terms, we retain any information and/or data provided by you for as long as your User Account is active, for resolution of disputes, for the purpose of investigations or ongoing prosecutions or in case of any suspicious/illegal transactions, for enforcement of any agreements, and/or as necessitated under applicable laws. Post termination of your account the retention period will be in accordance with the applicable law and shall only be for such a period that is absolutely necessary for us to comply with the law, and provision our Services to you. Post termination of your account, we may also continue to use your anonymised data aggregated or in combination with anonymised data of other users. We use this aggregated anonymised data for fraud prevention, data analysis, profiling and research purposes. Our partner banks and non-bank finance companies may retain your personal and financial information as per their respective privacy policies.

We make no warranties and shall not be liable regarding non-availability or non-retention of any information and/or data provided by you beyond the deletion of your User Account.


YOUR RIGHTS

You may deal with your personal data available with us in the following ways: You may access, correct, amend, add or update personal data from your User Account at any time by logging in to your User Account.

If you wish to review, correct or rectify your sensitive personal information or withdraw your consent for processing your sensitive personal information, you may submit a request at customercare@rio.money. However, we will continue to retain your personal information as per above mentioned reasons.

The Company may retain all or some of your data in accordance with our policies in force or as per applicable law.


CHANGES TO THE POLICY

We may update this Policy from time to time with or without any notice to you. We encourage you to periodically review the Policy for the latest information on Our privacy practices.

GRIEVANCE REDRESSAL


Please address Your grievances, feedback or questions, without limitation, with respect to the collection, processing, usage, disclosure, security of Your information or on any element of this Policy, in writing to our Vivek Amarnani at gro@rio.money.