Privacy Policy

PRIVACY POLICY

Last updated : 11.06.2024

We cherish your trust and prioritize your privacy above all else. By accessing, registering, and using our services, you graciously consent to allow us to handle your personal information with care, solely for the purpose of delivering the services you desire. We treasure our relationship with you and promise to protect your trust. We will keep your personal information confidential and secure, adhering to the highest standards of data protection as mandated by applicable laws, including the Information Technology Rules, 2011. We will not share your sensitive personal data or information with anyone without your explicit consent, unless otherwise stated in this agreement. Your trust is our top priority, and we are committed to protecting your privacy. This Privacy Commitment is applicable to personal information and sensitive personal data or information, including information that is of a confidential nature (“Customer Information”) belonging to the customers, potential customers, and other users of the Services (“Customer(s)” or “you”) of www.rupyafin.com (HHMA Innovations Bharat Pvt Ltd.), its affiliates and group companies (collectively “RUPYAFIN”, “we”, “our”, or “us”). By accessing or using the Services, you confirm that you have read, understood, and unconditionally accepted this Agreement. If you don't agree, please stop using the Services and terminate your account immediately.

This Privacy Policy (the “Policy”) applies to the use of or access (including products and services being rendered herein) to the website www.rupyafin.com and it’s RUPYAFIN mobile/web application (hereinafter collectively referred to as the “Platform”), by the User (hereinafter “you” or “your”). This Privacy Policy governs RUPYAFIN's handling of Personally Identifiable Information and Sensitive Personal Data or Information collected from users of our Services, Website, and Apps. RUPYAFIN may collect, receive, possess, store, use, deal, handle, transfer, retain, and process Customer Information. This Privacy Policy explains RUPYAFIN’s collection, use, and protection of your personal information and sensitive personal data. We are committed to maintaining confidentiality and security of your personal information in accordance with applicable laws and regulations. By using our Services, Website, or Apps, you consent to the collection, use, and processing of your personal information as described in this Privacy Policy.

This Platform is provided by HHMA Innovations Bharat Private Limited (hereinafter “Company” or “RUPYAFIN” “RupyaFin”; “Rupyafin” or else in font and style or manner) or “our” or “we” or “us”), a company incorporated under the Companies Act, 2013, having its registered office at Ekdant Appartment, Near Mount Carmel School, Mul Road, Chandrapur – 442401, Maharashtra, India; and its corporate office at Ekdant Appartment, Near Mount Carmel School, Mul Road, Chandrapur – 442401, Maharashtra, India. RUPYAFIN is an digital platform with website, web and mobile application, software as per SaaS (software as a service) and Company or RUPYAFIN  is not regulated or authorised by any of the Government Department or Authorities or Regulatory Body. Rupyafin provides functionality on the Digital Platform which allows User(s) to connect and transact with Professionals (existing and registered with us) for Tax and allied services including investment products and is not to be construed as an Advisory or Executor Service on its own.

RUPYAFIN provides technology Platform namely www.rupyafin.com, and web/mobile application (collectively referred to as “Platform”) to You (User) and its registered (registered means registered with rupyafin, assigned or dedicated) Affiliates, Partners, Channel Partners, Strategic Partners, third party service providers, Business Associate or Agent including their sub-associates, employees and accountants (hereinafter be called as “Professional”). A Professional may also be another user on our Platform apart from Client (hosted on) or (user of) www.rupyafin.com and are shown under login of Client under My Professional.

"Users" : User for our platform means “Client(s) or Customer(s) or Consumer(s)” any person (either individual, association, firm or entity) who get themselves registered with www.rupyafin.com; with intent to view, review, utilize, consume, access, avail, etc. our products and services listed on our platform. As a user ("User" or "you") of the Platform, you hereby acknowledge that the Company solely operates as a technology platform, facilitating connections between you and various partners, including dedicated Professionals, financial institutions, data partners, Strategic Partners, and service providers. The Company's platform does not provide advisory or executor services, and its offerings do not constitute investment or banking advice or recommendations. This term "Professional" also includes listings of the Profile/ details of the Professional(s), including the services/Advisory that such Professional may offer / willing to offer to the users. "Service" : Service for our Platform includes all products and services listed on our website and domain including but not limited to taxation, investments, banking, offers, Tutorials, webinars, call-conferences, etc; means all services as enumerated under any icon.

Customer Information includes, without limitation, the following categories of personal data/sensitive personal data that we may collect, share, receive, possess, store, use, deal, handle, transfer, and otherwise process as per applicable laws:

 

(i)  FINANCIAL DATA

This includes, without limitation, information related to your financial situation, comprising:- Bank account details (account numbers, statements); Financial data (income, expenses, assets); Financial documents (invoices, receipts, contracts); Financial records (ledgers, journals, balance sheets); Property statements (ownership documents, valuations); Payment information (credit card numbers, payment schedules); Transaction data (purchase history, sales records); Vouchers (receipts, invoices, bills); Tax-related documents (FORM 15CA, FORM 16, FORM 26AS, tax payment challans); Details of tax payments and expenses. This information is used to manage documents required for filing various tax returns and compliances, including ancillary services (activities) such as:- Registering you on relevant portals (Income Tax Department, GSTN, RERA, etc.); Preparing and filing tax returns; Providing supporting documents (ITR-acknowledgements, 26AS, registration certificates, return filing copies, income computation drafts).

 

(ii)  EASY MANAGEMENT OF DOCUMENTS

To utilize our Document Management Portal (www.rupyafin.com) for tax and/or allied services, we require a copy of relevant documents and correspondence from the applicable agency, as well as pertinent information. This data is collected to:

(i)  enable our professionals to draft and file responses to notices on behalf of clients;

(ii) facilitate seamless communication with clients;

(iii) provide acknowledgments and related documents to clients (Users) for easy access;

(iv) maintain accurate financial records;

(v) correspond with users, beneficiaries, and claimants for tax counseling and planning services;

(vi) offer various banking and investment products and services listed on the platform;

(vii) facilitate professionals in collecting information, data, documents, and invoices directly from clients. This data collection is essential for: (a) performing contracts with users or taking steps towards forming a contract; (b) providing all types of products and services listed on our platform;

(vii) Professional shown into Client’s login under “My Professional” tab, they may be duly assigned by RUPYAFIN or had been added by Respective Professional into the platform or had been self-registered under such Professional; of which Client has to take care and make his own due diligence before proceeding in very first time; while dealing with, before and in due of course of availing of services under the banner of www.rupyafin.com and or by using our web/ Mobile Application. In order to abstain from such on boarding, user has the right to report it to legal@rupyafin.com within 7 days of such onboarding.  (vii) Company reserves the right to change the Professional Assigned from time to time and any client, requests, leads or tasks be transferred to whom so ever the we feels fit in order to get the task or requests raised by customer being completed.  (viii) HHMA Innovations Bharat Pvt Ltd or RUPYAFIN or www.rupyafin.com does not takes any responsibility for delivering of any services or any issues arising of availing of services via using our platform; the sole responsibility lies on User to perform due diligence and to make sure before using any of the services. (ix) No liability will be considered in any case for any loss, damage, problems, scrutiny, mistakes, errors, human error, digital error, default, fault, faulty, emission, omission, addition, deletion, pendencies, pending, non-compliance, non-inform, non-consultation, non-obeyance, non-dealing and non-availability of any of our SERVICES or Assignment of Professional, etc. in any case and in any due course of time on RUPYAFIN (the company).

 

(iii)  OPERATIONAL DISCLOSURE

We, as the Platform Provider, hereby establish and operate the online infrastructure for the flow of information, communication, data, tasks, and documentation, and transmit the output file to the Platform-designated server, utilizing our databases, which are completely accessed and managed by our authorized Technology Service Provider. RUPYAFIN, in its capacity as a technology facilitator, merely enables connections between users and Professionals, without assuming any liability or responsibility for their interactions. HHMA Innovations Bharat Pvt Ltd (HHMA)'s role is strictly limited to providing Platform Services, (which are accessed and managed by our Technology Partner(s), pursuant to our agreement with them). Our Technology Service Provider is legally bound to maintain the confidentiality and privacy of all user data, and shall utilize their access solely for the purpose of maintaining, testing, and resolving technical issues, and managing the platform efficiently, in accordance with applicable laws, regulations, and industry standards. By using our platform, users consent to the terms of this agreement, and acknowledge that our Technology Service Provider shall have full access to the systems, as necessary, to provide efficient and secure services.

 

We also collect data in a de-identified form, which does not permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose so that we can better understand customer behaviour and improve our products, services, and advertising. The User may also avail services of Rupyafin, in order to search for their professional and get their work/tasks done from their professional through their respective login and connect with them. You authorise us to Add you as a Client in order to be a client of our Digital Platform and avail the services.

WE DO NOT PROVIDE ANY UTILITY OR SOFTWARE SERVICES FOR FILING OR PROCESSING ANY RETURN OR COMPLIANCES. PROFESSIONAL IS FREE TO USE THEIR OWN RESOURCES OR THEIR OWN UTILITY WHICHEVER THEY i.e. PROFESSIONALS HAVE. RUPYAFIN IS ONLY ACTING AS A TECHNOLOGY FACILITATOR TO USER(S) AND PROFESSIONAL(S) WHEREIN THE ROLE OF RUPYAFIN IS LIMITED TO THE EXTENT OF PROVIDING THE DIGITAL PLATFORM TO THE PROFESSIONAL AND THEIR RESPECTIVE EMPLOYEES (OR AFFILIATES) TO CONNECT, COMMUNICATE, STORE, TRANSFER AND DELIVER THE INFORMATION.

This Privacy Policy are governed by and construed in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and Rule 4 of the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal data or Information) Rules, 2011 framed under the (Indian) Information Technology Act, 2000 (as amended from time to time) and that requires publishing the privacy policy for usage of Platform and Services. This Privacy Policy read with the Terms of Use www.rupyafin.com/Legal/Terms (hereinafter the “Terms”); constitute a binding and legally enforceable contract between the Company and User.

For the purpose of this Privacy Policy, "Personal Information" is defined as any information that meets the criteria set forth in Section 3 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2013. This includes, but is not limited to, passwords, financial information such as bank account, credit card, debit card, or other payment instrument details, physical, physiological, and mental health conditions, sexual orientation, medical records and history, biometric information, and any details related to the aforementioned clauses provided to a body corporate for the purpose of providing services. Additionally, any information received under the aforementioned clauses by a body corporate for processing, storage, or processing under a lawful contract or otherwise is also considered Personal Information.

By accessing or using our Platform or Services, you hereby acknowledge that you have read, understood, and agreed to be bound by the terms of this Policy and our Terms of Service, as amended from time to time. If you do not agree to the terms of this Policy and our Terms of Service, please do not access or use our Platform or Services. You hereby warrant that you are either the owner of or are duly authorized to use and share the information required to provide our services, and that your use of the Platform does not violate any applicable law or contract by which you may be bound or is otherwise prejudicial to any person. You hereby agree to indemnify and hold harmless the Company, its employees, directors, officers, agents, business associates, Professional, Professional's Associates, affiliates, and agents from any loss, damage, expenses, or other adverse consequences they suffer as a result of your usage of the Platform and our services, unless such loss, damage, expenses, or other adverse consequences can be attributed to our act or omission. Your continued use of the Platform and Services shall constitute your acceptance of the terms of this Policy and our Terms of Service, as amended from time to time.

(iv)  PROTECTION OF PRIVACY

As a trustworthy financial services provider, we have implemented robust measures to prevent unauthorized individuals from accessing sensitive information by strictly prohibiting access to sensitive data, such as photos and contacts, from our users during activities to any unauthorised person. We recognize the paramount importance of safeguarding your personal information and prioritizing your privacy. Any data shared with our Partners is subject to their respective privacy policies and is handled as per the applicable laws and regulations.

Our Policy applies to all information collected, generated, or submitted through our Platform and Services, including but not limited to: (a) information you provide us, or the information otherwise collected by us through your usage of our Platform and Services (as defined in our Terms); (b) information collected while you use the Platform and Services; (c) information collected from any other source; or (d) information generated while availing the Services, including but not limited to any transactional information.

We guarantee utmost clarity regarding our data handling practices. If you decide not to share required information on our App/Site, certain services may not be accessible to you. Please note that our service provision is conditional upon receiving necessary information from you. By withholding information, you acknowledge that we bear no responsibility for any resulting service limitations. We hereby explicitly disclaim liability for such service restrictions.

In order to provide our services, we may transmit or share your information with our service providers, group companies, or business partners, as necessary from time to time. Additionally in context to above, with your prior consent, we may divulge your personal information to third parties.

This Policy should be read in consonance with the Terms (available at [https://rupyafin.com/Legal/Terms]) and they are incorporated by reference. Capitalized terms not defined here have the meaning given in the Terms of Service. Our Privacy Policy, incorporated herein by reference, explains how we collect, use, and disclose your information.

(v)  INFORMATION WE COLLECT

You must provide accurate, up-to-date, and true Customer Information. You're responsible for any errors or inaccuracies, except for verified KYC information. We require Customer Information to provide Services, fulfill contractual obligations, and comply with applicable law. If you do not wish to provide such Customer Information as and when requested by us, it will diminish our ability to perform our obligations under the arrangement we have with you or are trying to enter into with you (for example, to provide you with features of the Services). And consequently, we may be constrained to cancel or limit your access to the Services (or part thereof). This may include Customer Information you consent to give us when you use our Services or when you interact with us, including, without limitation, when you create an account with us and use the Services or carry out other activities in connection with the Services.

1. When utilizing our Platform or Services, you consent to provide personal and sensitive information, including; Identification details (name, mobile number, address, password, date of birth, gender, PAN, Aadhar details, photograph, email ID) or copies of KYC documents that helps us confirm your identity; Financial information (bank account details, UPI ID, payment and investment information) which facilitate provision of the Services through our Platform; Professional and business information (occupation, educational/professional qualification, business name, address, registration details, GST details, schema). No liability pertaining to the authenticity/ genuineness of the information disclosed will lie on the Company; Tax identification numbers such as GSTIN, TAN, individual or firm details (their registration details from different authorities such as GST, MCA, registration details, etc.); Consent (by clicking); Interests.

Further, the Company will not be in any way responsible to verify any information obtained from you. We value your personal information and privacy. However, notwithstanding anything contained in this Privacy Policy or elsewhere, we shall not be held responsible for any loss, damage or misuse of Your Personal Information. We will not be responsible for liabilities arising out of computer hacking, system hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, or for any actions of any third parties that may receive your Personal Information.

2. Wherever, required to provide your Aadhaar details to us during account creation, you acknowledge and agree that the act of providing your Aadhaar details to us is voluntary. We require Aadhaar details solely for the purpose of carrying out KYC and and for forwarding to Professional(s) or filing of tax returns or compliances related requirements by professional or as and when required related to the services being requested for by the USER.
3. We collect and store the mobile numbers and email addresses you provide on our Platform, and use them to send you various communications, such as updates, notifications, and promotional materials.
4. When you avail the Services, we will not be required to obtain consent, to access and read information from your logins such as information from your documents, bills, invoices, data, communications, messages, stored or being processed through our platform for providing our Services. Additionally, being platform felicitator every Service(s) requires us to obtain access and share/ forward to the ability to make forward the Leads, Tasks, Data, Information, Documents To the experts, Professional, Agents, concerned individual /Firm /Association /Company, etc. as the case may be, using or not using our platform(s). If you choose to avail such services, by agreeing to this Policy and Terms; you are providing your express consent to permit us to access and share the data, information, requests, leads, etc and functionalities of your logins. This is being done explicitly to deliver the requested services and quality.
5. Pursuant to your use of our services, we may retrieve your information and records available with third party provider including credit score and liabilities information or information from the KYC Registration Agency, Goods and Services Tax Network (“GSTN”) and National Informatics Centre such as name, KYC details, KYC status, father’s name, occupation, address details and related documents. You hereby authorise the Company to download and retrieve any information from governmental and other statutory bodies including but not limited to GSTN and NIC.
6. For various allied services such as in order to prepare your returns, to assist on your tax matters, to do compliances and/or to provide an audit defense service in relation to providing Tax solutions and forwarding of leads for the interested products and services for more information as requested by the user listed on our platform, Tutorials related services, conferences, webinars related, articles, blogs, books, Thesis, Products Listings, etc. (wherever required) we collect information about your income, deductions, credits, dependents, requirements, remarks, interests, likes, registration details and their respective photo copies, etc. collectively, this information is referred as “Tax Return Information”, Investment Related Information, Loans Related Information, Schemes Related information; etc. respectively to transfer leads or interests to the respective independent Expert or Professional to render the services to Client(s). We stands liability-free, obligations-free for any claims arising out of, any transactional activities performed outside the online domain of rupyafin.com related to or not related to the platform services.
7. We may share with our affiliates, and group companies to the extent required for our internal business and/or administrative purposes and/or general corporate operations and to any third party service providers including marketing partners, and the User hereby consents to the same for the information (including personal information) collected. We will try to make sure to ensure that these third-party service providers are obligated to protect your personal information and are also subject to appropriate confidentiality/non-disclosure obligations and they comply with the applicable provisions of the data protection laws. These entities, with whom we share the Information, may market to you as a result of such sharing unless you explicitly opt-out; to enhance your experience and provide you access to the services being offered by us, our affiliates or other third party service providers (including but not limited to tech partners, lenders). Such disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing the Terms of Use or for complying with the applicable laws and regulations.

(vi)  HOW WE USE THE INFORMATION

Our platform employs robust security measures, including SSL certificates and HTTPS protocol encryption, to ensure the secure transmission of data between the server and device. Your OTP and password are strictly confidential and inaccessible to anyone except you. It is your responsibility to protect your device from unauthorized access. In the event of a data security breach or suspected compromise, you must promptly change your password and notify us at the contact details provided below. We are legally bound by the provisions of the Information Technology Act, 2000 and rules specified thereunder, and are obligated to maintain reasonable security measures and establish stringent security procedures to safeguard your data and information, as mandated by Section 43A of the Information Technology Act, 2000 (India).

1. For the purpose of providing our services, we only share your personal, financial information or other information to the stakeholder, concerned party, related party, registered or unregistered party who is involved in the process of providing services in order to gain a value to the nature of services provided by our platform and in order to get your user services (leads/ tasks/CRM/Requests/process, etc) being availed or completed also, we do not sell or share your personal or financial information to anyone who is not a stakeholder. In order to support our operations we rely on several Service Providers, who help us with various services such as such as payment processing, web analytics, cloud hosting, marketing, communication, technical support, and other essential services, etc.
2. In compliance with Data Protection legislation and that the processing they carry out for us is limited to our specific purpose; whenever we share data with these Service Providers, we ensure, their usage, which is covered by a specific data processing contract. Notwithstanding any provisions in this Policy, you explicitly consent and agree to the following terms on information use, you hereby authorize us to access and utilize your information in the following manner:
3. We use your information to manage your account, to contact you, for operating, improving, and delivering our Platform and Services, providing a customized and interactive experience as you use our Platform and avail the Services.
4. In a manner utilizing your information for maintaining a record of such information and your transactions in a secure and confidential manner, and as required under the applicable laws.
5. In order to deliver the service, we use services of third parties to provide the Platform and Services for you, who are bound to keep such information confidential and your information being shared to them.
6. For enabling our technology service provider/ partners for troubleshoot software bugs and operational issues, to conduct data analysis, testing and research and to monitor and analyse usage and activity trends.
7. For using the data in an aggregated/compiled form to produce statistical/demographic analyses for marketing, strategy and other business purposes. However, these will be used in ways that will not be able to identify you or link any specific information to an individual. Such aggregated information and results/analyses shall be our property and you will not be entitled to any compensation for the use thereof.
8. For sharing your information with law enforcement, regulatory agencies, and other authorities as required by law to comply with legal obligations and regulatory requirements.
9. Your usage data is summarized and combined with others to learn about the use of the Platform and Service usage, and to help us develop new products and services.
10. Your information, data or records may be used to manage, share or access your account except password in order to perform operations, improve and deliver our products and services on our platform. Additionally, you further acknowledge, agree and authorise us to use your information for including but not limited to, market research, compliances, delivering services, performing tasks, processing leads, product development, project planning, assisting in- providing tax solutions availing loans, availing schemes, availing government related policies/schemes, project planning and promotions, etc.
11. We use your information to calculate charges for products and services you purchase.
12. On registering, to participate in an event published on our website, we may transfer your name, email address, phone numberand company name to our local organizer and to the sponsors of the event for both direct marketing purposes and in order to facilitate the preparations and booking for the event.
13. On having expressed interest in using our services or otherwise asked to be contacted by our service provider, we may also transfer your name, email address, phone numberand company name to one of our official Partners (Professional, Strategic Partner or Affiliates) in your nearest region, for the purpose of contacting you to offer their local assistance and services.
14. We may use your contact information to communicate with you in various ways (e.g. phone calls, messages, emails) for: Providing our Platform and Services; Marketing and promotional purposes. You hereby consent to receive communications from us through any channel.
15. For third-party ad companies to show /display ads that may interest you. These companies may use information about your visits to Platform and Third-Party Platforms to show you ads for goods and services that may be of interest to you.
16. Your data is shared with designated Professionals, Strategic Partners, our third party service providers and our affiliates. This data, which includes personal and financial information, will be utilized for share, host, use, copy, transmit, process, store, analyse, display, make derivations, and back up, you submit to us, through the Services and as required by us, including but not limited to personal data and any other data relating to financial information of yourself and others, for the purposes of (a) deliver the Services you have requested, as detailed in this Policy, and to facilitate your use of the Platform and Services, including those provided, by our Professionals, Strategic Partners, third parties, and affiliates; (b) enhance, develop, and safeguard the Services in order to create, market, or offer new services through the Company, or its Professionals, Strategic Partners, group companies and affiliates; (c) communicate with you regarding our Platform and Services; and sending you information we believe may be of interest to you.
17. You affirm and guarantee that you possess and will maintain all necessary rights to authorize the Company, its Professionals, Strategic Partners, third-party service providers, and affiliates to host, use, compile, copy, transmit, process, store, share, analyze, display, derive, and back up your data. This includes retaining aggregated customer data, which may be combined with data from other users.
18. We reserve the right to conduct unannounced audits to detect and prevent fraud; monitor interactions and transactions to ensure service quality, compliance, and security; ensure compliance with protocols; combat fraud; verify your identity as required by law and best practices; analyse it to improve our services and enhance our operations; comply with the Information Technology Act, 2000. We may also retain/ store your data and confidential information, of any nature (either wholly or partially), in the Company’s arrangements servers or cloud or otherwise in any other medium as may be transmitted/ processed/ passed through the Platform and manage our infrastructure and commercial operations while adhering to our internal standards and procedures.
19. Our platform features public blogs and forums, where any information you choose to share may be accessed and utilized by others, potentially leading to unsolicited communications. By participating in these public forums, you acknowledge that RUPYAFIN is not liable for any unauthorized use of your personal information. Additionally, please be aware that your posts and certain profile information may persist even after account termination. If you wish to request removal of your information from our blogs and forums, please submit your request to legal@rupyafin.com.
20. By using our platform and services, you acknowledge, agree, and authorize us to collect, store, process, and transfer your information, including personal information, to third-party entities, including but not limited to:- Securities Exchange Board of India, National Stock Exchange of India Limited, Bombay Stock Exchange, Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), Payment gateways, Banks, KYC Registration Agencies, Asset Management Companies, Registrar and Transfer Agents, Mutual Funds, Income Tax Department. Please note that if you choose to utilize services provided by third-party service providers, your information may be subject to the privacy policies of such third parties, which may or may not be available. It is solely your responsibility to perform due diligence on such service providers and decide whether to proceed with their services. We will only share your personal data where our legitimate interests are not overridden by your interests.
21. Professional Services (through Rupyafin) for availing services such as filing your ITR, GST and other listed products and services on our platform are provided by Independent Affiliates/ Professional including Professional Associate (provided to client login, under My Professional tab) through our Platform and Company is not liable for any obligation arising therefrom such services being rendered by Professional. You authorise Rupyafin, who may request and collect your personal and other information in order to provide listed products and services to you, add you as a client of the platform, retrieve your tax return information and other listed services and products, access, store, share and process your requests or perform other additional functions as necessary to discharge its responsibilities.
22. Company is authorised to add or register Professional for providing this technology platform to any individual, association or firm. We may engage third-party service providers to enhance our services and better understand our users. These service providers, including partner banks, service professionals, vendors, social media companies, data analytics providers, consultants, affiliates, and lawyers, may use the information collected on our behalf to help us conduct and improve our services. They are obligated to use the Customer Information solely for the specified purposes or as contractually required. We may share, exchange, transfer all or part of the Customer Information with our affiliates, group companies, governmental agencies, and other third parties as required by applicable law or for legitimate purposes, including credit reporting, statistical analysis, credit scoring, verification, or risk management processes and the Customer shall not hold Rupyafin liable for such use or disclosure of this Customer Information.
23. By using our Platform, you explicitly consent to and authorize our affiliates, partners, and entities, for who we act as a technology facilitator including Professionals and Professional's Associates registered with us (Strategic Partners), to collect, store, process, and transfer your information, including, for the purpose of providing Services to you through the Platform; to collect, store, process, transfer, and disclose your information, including personal and transaction-related data including communicate with you in any manner including by way of emails, messages and phone calls.
24. Please note that if you opt to use Services provided by our Strategic Partners, Professionals, or third-party service providers through the Platform, your information will be subject to the privacy policies and terms of service of those entities. We disclaim any responsibility or liability for the privacy practices, policies, or actions of such Strategic Partners and third-party service providers. By using their Services, you acknowledge that you have reviewed and agreed to their privacy policies and terms of service, and you release us from any liability related to their handling of your information. We encourage you to carefully review the privacy policies and terms of service of our Strategic Partners and third-party service providers before using their Services.
25. We reserve the right to share, transfer, or assign all of your information to any other business entities, including but not limited to, in the event of a merger, sale, reorganization, amalgamation, joint ventures, assignment, restructuring of business, or transfer or disposition of all or any portion of our business. This includes the transfer of your information to any successor entity or acquirer in the event of a merger, acquisition, or sale of all or substantially all of our assets. By using our Services, you consent to the transfer of your information in such circumstances. We may also share your information with our affiliates, subsidiaries, or other related entities for business purposes. You acknowledge that our successors, assigns, and affiliates may use your information in accordance with this Privacy Policy.
26. We may engage third-party vendors, personnel, or service providers to perform specific tasks or services on our behalf, such as document courier services or payment gateway operations. These third parties are obligated to maintain the confidentiality and security of the information we share with them, and are bound by contractual agreements and applicable laws to do so. We ensure that these agreements require them to protect your information with the same level of care and confidentiality as we do, and to only use it for the specified purposes. By using our Services, you consent to the sharing of your information with these third-party service providers, and acknowledge that we are not liable for any unauthorized use or disclosure of your information by them, provided we have taken reasonable steps to ensure their compliance with applicable data protection laws.
27. We may transfer Personal Information to other entities, including body corporates or individuals, if necessary for the performance of a lawful contract between us and the User or with the User's consent. We may also share Personal Information with our group companies and affiliates, who may market to you unless you explicitly opt-out in writing.
28. We collect financial and tax information through our tax filing tool, calculators, invoice creation services, assessment questionnaires, and other features to process your tax returns, provide financial information, and offer related services. This information is used to meet your tax compliance, investment, and capital needs, and to provide you with other relevant products and services.
29. If you use our Professional Services, we collect business information about your company and your clients' businesses to help you run your business more efficiently and provide better experiences with us. We may communicate with you regarding software, services, products, and compliance-related matters.

 

(vii)      COOKIE POLICY

Our website utilizes cookies and similar technologies to enhance your browsing experience and provide personalized services. These small text files are stored on your device and enable us to remember your preferences and login information; track your usage patterns and navigation on our Platform; facilitate your access and use of our Platform and Services. While most web browsers automatically accept cookies, you may modify your browser settings to decline them. Please note that refusing cookies may limit your access to certain features and Services on our Platform. By using our Platform, you consent to the use of cookies and similar technologies as described in this Privacy Policy.

(viii)     IDENTITY THEFT

Until we receive your explicit directives through your use of our platform and services, we will not process your personal data.

Please be advised that our company will not solicit or request sensitive personal information, including but not limited to financial data, passwords, or identification numbers, via electronic mail or any other means of communication. Any such requests are likely fraudulent and may be illegal. Recipients of suspicious emails or communications purporting to be from our company are hereby notified not to respond or provide personal information. Instead, such emails or communications should be deleted and reported to the appropriate authorities.

(ix)       LINKS TO OTHER SITES

Our Platform provides or contain links to third-party websites and platforms ("Third-Party Platforms") that are not owned or controlled by us. We are not responsible for the privacy practices, data collection, or content of such Third-Party Platforms. By using our Platform, you acknowledge and agree that we are not liable for the actions of such third-party operators, including their collection, use, and disclosure of your personal information. We recommend that you review the privacy policies and terms of use of each Third-Party Platform before using them.

(x)        DATA RETENTION BY US

We will retain your personal information for the duration necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. We may retain your information to comply with our legal obligations, resolve disputes, and enforce our agreements and policies. You have the right to review and correct any inaccuracies in your personal information. If you believe our records contain errors or inaccuracies, please notify us at legal@rupyafin.com. We will promptly investigate and correct any discrepancies found.

You hereby assume absolute responsibility for maintaining the confidentiality, integrity, and security of your data, including personal information, and shall implement all necessary measures to prevent unauthorized access, disclosure, or use. Any disclosure of information by you constitutes an unequivocal acknowledgement that such disclosure is made voluntarily, without coercion, duress, or undue influence, and with full understanding of the implications thereof.

(xi)       LOG DATA

We want to inform you that whenever you use our Platform or avail the Services, we may (in coming times) or may not collect data from your device called Log Data. When utilizing our Platform or Services, you consent to the collection of Log Data from your device, which may include:- Internet Protocol (IP) address; Device name and operating system version; App configuration and usage statistics; Time and date of Service use. Please review this Privacy Policy carefully, as it governs our collection, use, and disclosure of your personal information, as well as your rights under the Information Technology Act of 2000 and subsequent amendments. Our Platform may contain links to third-party websites operated by independent entities, with their own privacy policies and data handling practices. We disclaim any responsibility or liability for their policies or handling of your personal information.

By using our Platform and Services, you acknowledge our collection and use of Log Data to provide and enhance our services, improve your financial experience, operate our business, and optimize our services for your benefit.

(xii)      INFORMATION SECURITY

We maintain electronic and procedural safeguards to protect all information, and we strive to use commercially reasonable means to protect your personal information. However, we cannot guarantee the absolute security of transmissions over the internet or electronic storage, as no method is 100% secure and reliable. We employ industry-standard security measures, carefully developed security procedures and practices, to protect your information from unauthorized access, loss or misuse. Our security practices and procedures are designed to ensure the confidentiality, integrity, and availability of your data. When processing payment information on or through the Platform, we use encryption technology provided by third-party payment service providers, including payment gateways. By using our Platform, you consent to the sharing of your payment-related information with these third-party service providers, who are responsible for processing payments and managing your payment-related data.

Please note that we do not guarantee the security of transmissions of your payment-related information or other data, and you acknowledge and assume the risks associated with such transmissions. Our data security and protection practices are subject to ongoing review and improvement, and we reserve the right to modify our security measures as necessary.

(xiii)     DISCLAIMER

1. We disclaim any obligation to create or store backup copies of any information submitted to us. You acknowledge and agree that you are solely responsible for maintaining backup copies of all information submitted to us, and we shall not be liable for any loss or damage resulting from the failure to do so. In the event of any malfunction or failure of the Platform (including on account of maintenance), you may be required to resubmit any lost or corrupted information.
2. RUPYAFIN and HHMA Innovations Bharat Pvt Ltd or We, are working as a technology platform provider and serves with leads transfer to the third party service providers or Strategic partners or Experts for all the products and services served under our banner including investment products and is not to be construed as an Advisory or Executor Service on its own. Any recommendation, educational service, advice provided by the Professional registered on our platform to the users enlisted under the banner or impression of rupyafin.comneed to be utilized after sufficient care and review by the users and www.rupyafin.com does not bear any responsibility whatsoever with respect to the efficacy or accuracy of any recommendation or advise provided to the users by the Professional(s) for any of the Products and Services (including mutual funds, insurance and other investment products) listed on our platform (including www.rupyafin.com).
3. The materials available on our Platform, including rupyafin.com website or delivered through other channels, software, and email communications, are for informational purposes only and do not constitute a solicitation to buy or sell securities, personalized financial guidance, or expert investment advice. Our Platform is not a registered investment advisor or research analyst with the Securities and Exchange Board of India. Any information provided is for general reference purposes only and should not be relied upon as personalized financial, investment, or professional advice. Investors are strongly advised to seek the counsel of a qualified financial advisor or mutual fund distributor before making investment decisions. By using our Platform, you acknowledge that we disclaim all liability for any losses or damages arising from your reliance on the information provided. Your use of our Platform constitutes acceptance of these terms.
4. RUPYAFIN is not a registered entity under any capital market, advisory, investment advisory, mutual fund, or Securities Exchange Board of India statutes. While RUPYAFIN strive to ensure the accuracy of our website's content, we rely on third-party data and cannot guarantee its reliability, accuracy, or completeness. RUPYAFIN has taken reasonable precautions to avoid errors, lapses, or insufficiencies, but we disclaim all representations and warranties regarding the information's accuracy, timeliness, suitability, and completeness.
5. We cannot be held liable for any losses arising from the use of or reliance on the information provided. Users are advised to verify the contents independently. We also disclaim any responsibility for the accuracy, timeliness, suitability, or completeness of information prepared by unaffiliated third parties. Investments involve varying degrees of risk and must be matched to individual financial situations and investment objectives, consulting an investment advisor or mutual fund distributor. Our platform's information should not be construed as personalized advice. Past performance may not indicate future results, and investors should not assume that any investment will be profitable or suitable for their portfolio or individual situation.
6. We or rupyafin.com or Company expressly disclaim all warranties and conditions, express, implied, or statutory, pertaining to our services, including implied warranties of acceptability, fitness for a particular purpose, data accuracy, completeness, and virus-free and uninterrupted service. All products and services are subject to market risks and other parameters, requiring careful reading of scheme-related documents and due diligence before investing or availing financial services.
7. All financial products and services, including investments, lending, and banking, offered by our company or third-party providers, are subject to market risks, matter of solicitation, and other parameters that may affect their performance. These risks may include, but are not limited to, market volatility, credit risk, liquidity risk, and other risks specific to each Financial Product. Before investing, depositing, lending, or availing funds from any Financial Product, you are advised to carefully read and understand all scheme-related documents, including applicable terms and conditions, and conduct thorough due diligence on the Financial Product, service, source, or platform. Past performance may not be indicative of future results, and you should invest in accordance with your individual risk profile. It is recommended that you consult with your registered advisors, experts, mutual fund distributors, or financial advisors before making any investment decisions. By proceeding with any of our services or transaction, you acknowledge that you have read, understood, and agreed to these terms and disclaimers, and that you are aware of the risks involved in investing in Financial Products. Our company and its affiliates disclaim any liability for any losses or damages arising from your investment decisions.
8. The information available on our platform is sourced from a variety of web pages and links and from other sources, including those from our unofficial and unaffiliated affiliates organizations and individuals as well as some from registered affiliates too, both within and outside our platform. We do not create, edit, or monitor these external (unofficial) pages or links. By using our platform, you acknowledge and agree that we, along with our co-branding providers, are not responsible or liable for any damage or loss resulting from your reliance on or use of information, goods, or services available on these external sites or resources.
9. While we take reasonable measures to protect the information we collect from you, we disclaim any liability or any obligation or responsibility for losses and damage of any nature whatsoever; resulting from privacy or security breach of you information/data. We shall not be responsible for any consequences arising from the disclosure, omission, or inaccuracy of information, whether inadvertent or otherwise, and whether or not in compliance with legal processes.
10. In any course of time, if you are dissatisfied with any aspect of our platform, including products, services, software, or website content, or with any of our terms of use and privacy policy, your sole recourse is to discontinue using our platform/website.
11. RUPYAFIN does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this Website.
12. We are not bound by any duty to supervise or surveil our platform. You consent and acknowledge that we retain the right to conduct periodic electronic surveillance of the platform; disclose information as needed to comply with legal, regulatory, or governmental demands; ensure platform functionality and maintenance; safeguard our interests and those of our customers. This consent is a condition of using our platform.
13. We in any form do not takes guarantee or disclaims any responsibility arising from our tech partner treatment of information, as that will be managed according to their terms of privacy policies.

 

(xiv)     Data Retention & Removal

We update our data retention practices regularly to comply with changing regulatory requirements and our own evolving best practices. To validate requests for data deletion from the clients, customers, associates or partners, we require a verification process that involves at least two forms of identification and explicit confirmation. Requests submitted through indirect channels or third-party platforms are not accepted, and we do not send acknowledgements for such requests. Our team, including RUPYAFIN, Professionals, and Professional's Associates, has the exclusive authority to decide whether to accept or reject User’s data transmission to or from our platform, without any liability to the Company. This decision-making power applies to cases of security breaches, data overload, suspected malware or virus attacks, corrupted data transfer, or any other reason our team deems fit, and may be exercised through either manual or automated processes.

(xv)      CANCELLATION & REFUND POLICY

YOU ARE RESPONSIBLE FOR CONSULTING WITH YOUR OWN (including respective, assigned or dedicated) PROFESSIONAL, TAX ADVISORS CONCERNING YOUR SPECIFIC TAX CIRCUMSTANCES. BY USING OUR SERVICES, USERS ACKNOWLEDGE THAT RUPYAFIN DISCLAIMS ALL LIABILITY FOR THE ACCURACY, VALIDITY, OR COMPLETENESS OF THEIR POSITIONS TAKEN IN ANY TAX RETURNS OR PRODUCTS AND SERVICES, including but not limited to income tax, TDS, registration, and GST.

Registration and payment are irrevocable and non-refundable. Once submitted, cancellations are not permitted. Our services are exclusively digital.

(xvi)     CHANGES TO THIS POLICY

Please note that this Policy is subject to change. We reserve the right to modify or amend it at any time. We will:- Post changes on our webpage; Provide prominent notice for significant changes; Make reasonable efforts to keep you informed. However, it's your responsibility to review this Policy periodically. By continuing to use our Platform and Services after changes are made, you accept the modified Policy. Your continued use will serve as proof of your explicit agreement to the updated terms, effective from your first use of the Platform after the changes are made.

(xvii)    WITHDRAWAL OF CONSENT BY YOU

We disclaim all warranties, express or implied, regarding the accuracy, completeness, and availability of our services, which may be subject to errors, interruptions, or technical difficulties. You have the right to withdraw your consent to our services at any time by providing written notice to us on legal@rupyafin.com, upon which you agree to cease all use of our platform and services.  We reserve the right to terminate your access to our platform and services in the event of withdrawal of consent thereby, reserve the right to not provide you any Services through the Platform.

(xviii)   GOVERNING LAW

In accordance with Indian law, this Policy is governed and enforced. By utilizing our Platform and Services, you implicitly consent to the exclusive jurisdiction of Chandrapur, Maharashtra, India, courts for any disputes, controversies, differences or issues related to the Platform or this Policy.

Arbitration, as specified in the Arbitration and Conciliation Act, 1996, will be used to settle any Any controversies, conflicts, disputes, or differences disputes that may arise out of these terms of policy (including terms of use) which is deemed to be incorporated by reference in this Clause. A three-member arbitration tribunal will be formed, with each party appointing one member and the two appointed members selecting the third, who will serve as the presiding arbitrator. English will be the language used during the arbitration, the parties to the arbitration shall keep the arbitration confidential unless legally required to be disclosed. The arbitrator's decision will be binding and final. Except as otherwise provided in this Clause, courts in Chandrapur shall have sole jurisdiction over all matters arising from this Policy.

(xix)     CONTACT US

As required by the Information Technology Act 2000 and its associated rules, we have designated a Grievance Officer to address any concerns or questions regarding this Policy and the security of your information. Please find the officer's contact details below:

Grievance Officer :

Name: Pranjali Raut

Office Address : Ekdant Appartment, Near Mount Convent, Chandrapur-442401, Maharashtra, India

Email:  legal@rupyafin.com  

(Operational Hours: Mon. to Fri. 10 am to 6 pm)