1. Introduction
This Privacy Policy (“Policy”) outlines the practices of Orin Fintech (“Company”, “We”, “Us”, or “Our”) in relation to the storage, use, processing, and disclosure of data that you (“You”) choose to share with Us when You use our mobile application or our website (collectively referred to as the “Platform”).
At Orin Fintech, we are committed to respecting Your privacy. Unlike traditional financial services, Orin Fintech does not collect, harvest, or scrape personal information from Your device (such as contacts, SMS logs, or call history). Our platform is designed to create a customer profile based solely on the data explicitly stated and provided by You on the Platform to avail our Services.
2. The Data We Process
We do not collect personal information from your device’s background. We only process data that You voluntarily provide to us. This includes:
- 2.1. User-Stated Profile Data: Information You explicitly enter on the Platform, such as Your name, age, employment status, stated income, and financial goals.
- 2.2. Declared Financial Information: Any details regarding Your existing financial commitments or requirements that You choose to share for the purpose of profile creation.
- 2.3. Technical Log Data: For security and functional purposes, we may process minimal device information such as IP addresses and browser types to ensure the Platform’s stability.
Important Note: We do not access Your mobile phone resources such as contact lists, call logs, telephony functions, or files and media. We do not “collect” your private data; we “process” the data You provide to build a representative profile.
3. How We Create Your Profile
We use the information You provide to:
- 3.1. Create a customized Customer Profile based on Your stated data.
- 3.2. Facilitate Your access to financial products or services that align with the profile You have created.
- 3.3. Communicate with You regarding the Services You have expressed interest in.
- 3.4. Improve the user experience on our Platform.
4. How We Share Your Data
You agree that the profile data You state on the Platform may be shared with our partners (such as Lenders, Insurance providers, or other financial institutions) only to facilitate the services You are seeking.
- 4.1. Explicit Consent: We will only share Your profile with third parties after obtaining Your explicit consent for that specific transaction or service.
- 4.2. Legal Compliance: We may share data if required by law, court order, or government authority.
5. Data Security
Orin Fintech implements robust security measures to protect the data You share. We follow industry standards prescribed by the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023. We use encryption for data at rest and in transit to ensure that Your stated profile remains secure from unauthorized access.
6. Your Rights
Since the profile is based on data You state, You have the right to:
- 6.1. Review and Correct: Access the data You have provided and update it if it is inaccurate.
- 6.2. Withdraw Consent: You may choose to stop providing data or request the deletion of the profile You created, subject to any legal or regulatory retention requirements.
7. Cookies
We may use cookies to remember Your preferences and improve Your experience on the Platform. These cookies do not provide us access to Your device or any information other than the data You choose to share with us.
8. Data Retention
We retain the profile data You provide for as long as is necessary to provide the Services or as required under applicable Indian laws. Once the retention period expires, data is deleted or anonymized. The user represents and warrants the absolute integrity and authenticity of the data provided. While Orin Fintech facilitates the processing of such information, the legal title and responsibility for the sanctity of the data remain exclusively with the user.
9. Changes to This Policy
Orin Fintech reserves the right to amend this Policy at any time. Any changes will be posted on this page with an updated effective date.
10. Grievance Redressal
If You have any questions or grievances regarding this Policy or how Your stated data is handled, please contact our Grievance Officer:
Email: info@orinfintech.com