PRIVACY POLICY 

1. 1. BACKGROUND
   
   

This Privacy Policy framed in light of Section 43A of the Information Technology Act, 2000 read with Rule 4 of the Information Technology (Reasonable Security Practices & Procedures &  Sensitive Personal Data or Information) Rules 2011, The Digital Personal Data Protection Act,  2023, and in compliance with the Reserve Bank of India’s  Digital Lending Guidelines (2025) which requires PI CREDIT SERVICES PRIVATE LIMITED  (hereinafter referred to as “Anytime Rupee”) to provide policy for collects, receives, possess,  stores, deals, handle or storage and disclosure of information.
 

The Anytime Rupee or any person who on behalf of Anytime Rupee collects, receives, possess,  stores, deals or handle information of provider of information, should adhere privacy policy for  handling of or dealing in personal information including sensitive personal data or information  and ensure that the same are available for view by such providers of information who has  provided such information under a lawful contract. Such a policy should be published on site of  the Anytime Rupee. 

Anytime Rupee facilitates loan transactions between borrowers and NBFCs/Banks. All loan  applications are approved and sanctioned by RBI-registered NBFCs/Banks. Our Current Lending  Partner is Finagle Financial Services Private Limited, having CIN No. U65999DL2019PTC358861 a  company incorporated under the Companies Act, 2013, having its registered office at Asaf Ali Road,  New Delhi, 110002. 

2. 2. PURPOSE
   
   
   

Anytime Rupee intends to protect the privacy of its users and members on its site and maintain the privacy of the data provided by them to Anytime Rupee from time to time and strongly  committed to protecting the personal information, including but not restricted to, Sensitive  Personal and Financial Information that customer submits to us and we would endeavor to  protect it from unauthorized use. 

This Privacy Policy provides you with details about the way your data is collected, stored, and  used by us and you are advised to read this privacy policy carefully. 

This policy applies to all users of our website,  mobile applications, and services. By visiting the site, you consent to the use and disclosure of  your personal information in accordance with the terms and conditions of this Privacy Policy. If  you do not agree to the terms of this Privacy Policy, you may refrain from using our services. 

Please contact us care@anytimerupee.com if you have additional questions or require additional  information about our privacy policy. This Privacy Policy is applicable for all our ongoing online  activities and is also valid for visitors who come to our website and the information that they  share and/or collect in Anytime Rupee. 

Information collected offline or through channels other than this website does not fall under the purview of this Privacy Policy

 

3. 3. DEFINITIONS
   
   
   
4. A. “We,” “our” and “us” refer to “Anytime Rupee.”
   
   
5. B. “Site” refers to the website, mobile application, and the application that we provide, and  which includes a link to our Online Privacy Policy.
    
6. C. “User”, “You” or ““your” refers to anyone who visits, accesses, browses or uses the Anytime Rupee website at https://www.anytimerupee.com/ or obtains our services  through our website.
   
   
7. D. Personal Information: means any information that relates to a natural person, which,  either directly or indirectly, in combination with other information available or likely to  be available with a body corporate, is capable of identifying such person.
   
   
8. E. Personal and Financial Information: means personal information that is otherwise not  available to anyone except the customer, such as password, financial information, sexual  orientation, passwords, biometric data, medical records, physical, physiological, and  mental health condition. Such information is generally not available in the public domain.
    
9. F. Consent: Means an explicit, freely given, specific, informed, and unambiguous indication  of your agreement for processing data for a defined purpose.
   
   
10. G. Platform: Refers to the digital infrastructure provided by Anytime Rupee, including our  mobile application, website (www.anytimerupee.com), and any associated software or  interface.
    
    
    
11. 4. COLLECTION OF INFORMATION
    
    
    

While availing of service or products or using the site Anytime Rupee may collect and process  information from the customers including sensitive information that is confidential in nature but  not limited to the below mentioned.
 

1. 1. Information that the users provide to Anytime Rupee by filling in forms on the website.  This includes contact information such as name, email address, mailing address, phone  number, financial details, family details, banking relationships, and transaction history,  etc.
   
   
   
2. 2. We also collect information through supporting documents collected as per Know Your  Customer (KYC) guidelines issued by the Reserve Bank of India, including KYC documents  (PAN, Aadhaar, photograph), contact details (name, email, mobile, address), bank details  (account number, IFSC), employment and income information, and financial SMS  metadata necessary for loan risk assessment and other documents like statements of  accounts, financial statements, etc. on behalf of our lending partner for the underwriting  purpose.
   
   
   
3. 3. Information that the users provide while registering for an account with us, such as name,  address, email address, and telephone number. We may collect device metadata (IP  address, device ID, OS version, installed application list), solely for fraud detection, service  improvements, and security. 

4. 4. Other personal information provided by third parties such as credit bureaus and identity  verification services.
   
   
   
5. 5. To complete your onboarding/KYC, we may request one-time access to your device’s  camera, microphone (for live video KYC), and location, strictly with your explicit consent. 
   
   6. We may read the headers of all SMS to check the type of sender. We only read the  indicative SMS content from 6-digit alpha numerical number for verification purposes.  Pertinent information such as sender names, SMS content, received timestamps are  periodically collected for the purpose of provision of financial and allied services and the  data is transmitted to third parties. It is important to note that we do not read or analyze personal or OTP messages, except OTP messages sent by us, which are linked to our  purpose of use during lifetime of the app installed. This data may be used to verify  financial statistics such as income, spending patterns which help us in the credit  evaluation and may help us in facilitating higher limits, faster approval rates and for fraud  detection & prevention.
   
   
   
6. 7. We collect metadata about installed and system applications on your device—including  application name, package name, install/update time, installer source, version name, and  version code. This information may be collected even when the app is closed or not  actively in use. 
   
   8. The data is securely uploaded to our trusted device intelligence partner, Credeau (via  https://devicesync.credeau.com) to support identity verification, fraud detection (e.g.,  presence of VPNs, gaming or high-risk apps), underwriting, and offering tailored credit  limits. These insights help us provide faster approvals and more relevant credit offers. Data collection is initiated only after your explicit consent and is handled in accordance  with applicable privacy and data protection policies. 
   
   

9. 9. Anytime Rupee seeks one time permission to collect and monitor the information about  the location of customer’s device to provide serviceability of loan application, to reduce  risk associated with the loan application and to provide pre-approved customized loan  offers. This also helps us to facilitate verification of the address, making a better credit  risk decision and know your customer (KYC) process.
   
   
   
10. 10. Anytime Rupee collects limited device-related information to enhance user safety,  prevent fraud, and ensure secure digital lending operations. This may include details such  as device model, operating system version, available RAM/storage. We do not collect permanently identifiable information such as IMEI or serial numbers, in compliance with  Google Play policies and privacy regulations. Anytime Rupee requests Phone State  permission strictly to verify the device’s active SIM and network status at the time of  onboarding and disbursement, helping us ensure that the transaction corresponds to the  rightful customer and is not spoofed. All such access is performed with your explicit,  informed consent, and in accordance with RBI’s digital lending framework and applicable  Indian privacy laws.
    
    
    
11. 11. We do not collect or store biometric data.
    
    
    
12. 12. Information that you provide to Anytime Rupee when interacting with our customer  support team or other team members via phone, email, online form, or other  correspondence.
    
    
    
13. 13. Personal information stored with third parties that you choose to provide to Anytime Rupee, such as social media account information and your social media contacts. By  linking your third-party accounts or using third party sign-in services, you authorize. 
    
    
    

Anytime Rupee to have access to this information, and you agree that Anytime Rupee may  collect and use this information in accordance with this Privacy Policy.
 

14. 14. Personal testimonial information or endorsements that you voluntarily provide to us and  which we may display with your name on the Anytime Rupee Sites with your consent. To  update or delete your testimonial, contact us at care@anytimerupee.com.
    
    
    
15. 15. Anytime Rupee App is hosted in India and We ensure that every data or information that  we collect from you is stored in servers located in India and the same is compliance with  all the statutory/regulatory obligations.
16. 16. We display just-in-time consent screens for permissions like SMS, location, phone state,  and app list in accordance with Google Play policy. 

When the user uses the site, our servers automatically record certain information that the user’s  web browser sends whenever the user visits any website. Such information is known as “LOG  FILES.” These server logs may include information such as the user’s web request, Internet  Protocol (IP) address, browser type, referring/exit pages and URLs, number of clicks, domain  names, landing pages, pages viewed, and other such information. We use this information, which  may or may not identify users, to analyze trends, administer the site, track user’s movements  around the site, and gather demographic information about the user base as a whole. We do not  access your contacts or call logs under any circumstance. Access to SMS, gallery, or location is  strictly limited to specific, legitimate purposes such as fraud detection, credit risk assessment, or  identity verification. Such data is collected only after obtaining your explicit and informed  consent, in compliance with applicable laws and platform policies. 

5. 5. USE OF INFORMATION
   
   
   

 The information collected by us is used in numerous ways to: 

1. 1. To facilitate assessment and provide credit underwriting support for sanctioning credit facility.
2. 2. To provide information to our lending partner for checking eligibility criteria, credit assessment, credit underwriting, and other activities incidental thereto.
   
   3. To inform you about the latest offers, products, and services from time to time.
   
   4. To resolve disputes, troubleshoot concerns.
3. 5. To help and promote safe services.
    
4. 6. To Provide, operate, and maintain our website.
    
5. 7. To Improve, personalize, and expand our website.
6. 8. To Develop new products and services, features, and functionalities
    
7. 9. Communicate either directly with you or through one of our partners to provide you with  customer service, with updates and other website-related information, and for marketing  and promotional purposes.
8. 10. To Send you emails.
9. 11. To protect and prevent fraud and other criminal activity.
    
10. 12. To perform regulatory compliance

We do not use your data for purposes unrelated to the original consent, unless required  by law or with your renewed consent. We do not sell, lease, or trade your personal data  under any circumstances. 

6. 6. SHARING AND TRANSFER OF INFORMATION
   
   

Anytime Rupee may share information with individuals and body corporate in the course of normal business operations, and the customer has subscribed for, and any activity related to  these services such as a collection of the fee. We share your information only with regulated  partners and third parties under strict confidentiality agreements.

  

It may become necessary for Anytime Rupee to disclose the customer’s personal information to  its Lending partner or agents in the course of normal business operations for the above-referred  purpose. Your personal data is shared only with: Regulated lending partners (Banks/NBFCs),  Credit Information Companies (e.g., CIBIL, Experian), Third-party service providers (e.g., e-KYC,  e-sign, payment gateways), and Government/regulatory bodies as mandated by law (e.g., RBI, tax  authorities, law enforcement). 

However, these parties would be required to use the information obtained from Anytime Rupee  for such purposes exclusively and protect the personal information, including but not restricted  to, Sensitive Personal and Financial Information under a strict code of confidentiality. 

We will not voluntarily disclose your personal information to any non-connected third party but  in certain circumstances, we may do so if we are required by court order, by Government  Authorities, by law enforcement authorities, by statutory authorities or by other legal processes  or where it becomes necessary to do so to protect the rights or property of the site and/or its  group companies/affiliates, etc. We may also disclose your information to a third party as part of  a merger, cooperation towards delivering services or transfer, or any restructuring. 

We will only use your personal information data for the purposes for which we collect it unless  we reasonably consider that we need to use it for another reason and that reason is compatible  with the original purpose. 

The list of third parties collecting Information through the App is available on our website (www.anytimerupee.com) , which will be updated from time to time, for your reference.

7. 7. COOKIES AND WEB BEACONS:
   
   

Like any other website, Anytime Rupee collects certain information from the user’s browser using  small data files called “cookies.” These cookies enable us to store information including visitor  preferences, IP addresses and allow visitors to secure move to different website pages having to  re-enter information. This information is used to customize our web page content and optimize  user experience based on the visitor’s browser type and/or other such information. Cookies help  to enhance your experience on our platform, support security features, and analyse usage  patterns for continual service improvement.  

These tools enable us to: Recognize repeat users, maintain session integrity during login,  Customize and personalize content and Analyse site performance and improve functionality 

Any information collected is stored in secured databases protected by a variety of access controls  and is treated as confidential information by Anytime Rupee.

The web pages of the website contain electronic images known as “web beacons” (sometimes  called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze  how the website is used. Web beacons may also be used in some of Anytime Rupee emails so as  to know which emails and links recipients have opened, allowing it to gauge the effectiveness of  its customer communications and marketing campaigns. 

We do not track users across third-party websites, nor do we allow third-party behavioural advertising tools on our lending app or website

8. 8. DATA SECURITY
   
   
   

We Anytime Rupee strongly committed to protecting the privacy of its customers and has taken  all necessary and reasonable measures to protect the confidentiality of the customer information  and its transmission through the world wide web and it shall not be held liable for disclosure of  the confidential information when in accordance with this Privacy Commitment or in terms of the  agreements, if any, with the customer. We regularly review and enhance our data protection  practices to keep pace with evolving regulatory requirements and emerging threats in the digital  lending ecosystem. 

Access Controls: Access to personal data is role-based and restricted to authorized personnel on  a need-to-know basis. 

Network and Application Security: We implement regular vulnerability assessments, firewall  protection, anti-malware controls, intrusion detection systems, and secure coding practices. 

Data Minimization: We ensure data is collected and retained only to the extent necessary for the  lawful purpose for which it was processed. 

You are responsible for maintaining the security of your account credentials and other  authentication involved in obtaining access to password-protected or secure areas. Anytime  Rupee will not bear any liability in respect of such unauthorized use of your account. 

9. 9. DATA RETENTION CONSENT
   
   
   

Anytime Rupee shall not retain personal information longer than is necessary to fulfil the purposes for which it was collected and as permitted by applicable law. However, the Lending  partners will retain your personal information as needed during the tenure of loan and even after  termination of account to comply with our legal and regulatory obligations, resolve disputes,  conclude any activities related to the cancellation of an account, investigate, or prevent fraud and  other inappropriate activity, enforce our agreements, and for other business reason.

Your data may also be retained temporarily in backup systems to ensure disaster recovery,  system restoration, or legal hold purposes, although access will be restricted, and deletion will be  scheduled in accordance with our internal retention protocols.

By continuing to use our services, you agree to this data retention policy. You may contact our  Grievance Officer (Komal Bisht Email: gro@anytimerupee.com, Phone: 9211752207 at any time  to exercise your right to access, correct, or request deletion of your personal data. 

10. 10. LINK TO THIRD PARTY WEBSITES
    
    
    

Our platform may contain hyperlinks or redirections to third-party websites, mobile applications,  or services that are not operated or controlled by Anytime Rupee. These links are provided for  your convenience and informational purposes only. The inclusion of a link does not imply any  endorsement by Anytime Rupee of the third-party website, the website’s provider, or the  information on the third-party website. We do not endorse, monitor, or have any control over the  privacy practices, security measures, content, or terms of use of such third-party platforms. If the  users submit personal information to any of those websites, such information is governed by the  privacy policies of such third-party websites and Anytime Rupee disclaims all responsibility or  liability with respect to these policies or the websites. 

We strongly advise you to review the privacy policies and security practices of any third-party  website or service you choose to engage with, especially before submitting any personal, financial,  or sensitive data. Anytime Rupee disclaims any responsibility or liability for any loss or damage  that may arise from your use of such third-party sites, or your reliance on any information  contained therein. 

Use of third-party services (such as payment gateways, e-KYC vendors, or credit bureaus) via our  platform is subject to additional privacy controls that will be explicitly communicated to you at  the time of interaction, wherever applicable. 

11. 11. CHILDREN’S INFORMATION:
    
    
    
    

     

Another part of our priority is to ensure protection for children while using the internet. We encourage parents and guardians of children to observe and participate in monitoring and/or  guiding their online activities. Anytime Rupee will never knowingly collect any Personal  Identifiable Information from children below the age of eighteen. If you think that your child has  divulged any such information on our website, we strongly urge you to contact us immediately.  We assure you of prompt action in removing any such information available in our records. 

As part of our loan eligibility checks and compliance with the Know Your Customer (KYC) norms  prescribed by the Reserve Bank of India, we require documentary age verification at the time of  onboarding. If we become aware that we have inadvertently collected personal data from a child,  we will take immediate steps to delete or anonymize such data from our systems. By using our  services, you affirm that you are at least 18 years of age and legally eligible to enter into a binding  contract under Indian law. 

12. 12. CONSENT
    
    
    
    

     

By accessing, registering, or using the Anytime Rupee platform (including our website, mobile  application, or digital services), you explicitly provide your free, informed, specific, and  unambiguous consent to the collection, processing, storage, use, and disclosure of your personal  data and sensitive personal data as outlined in this Privacy Policy. This consent is provided in  accordance with the provisions of the Digital Personal Data Protection Act, 2023, and the  applicable regulatory framework of the Reserve Bank of India (RBI). 

If you do not agree with the Policy, you may refrain from using our services. You may withdraw  your consent at any time by writing to our Grievance Officer. Upon receipt of such a request, we  will cease processing your personal data for the purposes for which consent was originally 

Granted, unless such processing is required: To comply with a legal obligation, for ongoing  contractual obligations (e.g., servicing an active loan), or for the establishment, exercise, or  defence of legal claims. 

Please note that withdrawal of consent for essential data (e.g., KYC, repayment details) may affect  your ability to access or continue using certain services. In certain limited cases, we may process  your data without consent if it is: Necessary for the performance of a contract to which you are a  party, required under a legal obligation, In the interest of credit risk assessment by regulated  lending partners, or to detect or prevent fraud, cybercrime, or misuse of our services. Your  continued use of our services following changes in privacy policy constitutes your reaffirmation  of the consent provided, unless explicitly withdrawn. 

13. 13. GENERAL
    
    
    

     

Anytime Rupee reserves the right to amend or update this Privacy Policy periodically to reflect  changes in legal or regulatory obligations, business practices, or service enhancements. Any  changes will be effective prospectively and will be communicated through our website, app, or  other appropriate means. We recommend reviewing this policy at regular intervals. 

This Privacy Policy does not confer any rights or remedies upon any third party, nor does it create  any contractual or legal obligations beyond those mandated by law or explicitly agreed to in our  service agreements.

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India, and  any disputes arising from or related to this policy shall be subject to the exclusive jurisdiction of  the courts located in Gurugram, Haryana. 

If any provision of this Privacy Policy is found to be invalid or unenforceable under applicable  law, such provision shall be severed, and the remainder of the policy shall continue in full force  and effect. 

In case of any ambiguity or conflict in interpretation, the English version of this policy shall  prevail. Headings are for reference purposes only and do not affect interpretation. 

14. 14. DISCLAIMER
    
    
    

     

The information, content, and materials provided on the Anytime Rupee website, mobile  application, and related platforms are made available on an “as is” and “as available” basis, for  general informational purposes only. All the information on our website is published in good faith  and for general information purposes only. Anytime Rupee does not make any warranties about  the completeness, reliability, and accuracy of this information. Any action you take upon the  information you find on this website is strictly at your own risk. We will not be liable for any losses  and/or damages in connection with the use of our site.

From our site, you can visit other sites by following hyperlinks to such external sites. While we strive to provide only quality links to useful and ethical websites, we have no control over the  content and nature of these sites. These links to other websites do not imply a recommendation  for all the content found on these sites. Site owners and content may change without notice and  may occur before we have the opportunity to remove a link that may have gone ‘bad’. 

Please be also aware that when you leave our website, other sites may have different privacy  policies and terms that are beyond our control. Please be sure to check the Privacy Policies of  these sites as well as their “Terms of Service” before engaging in any business or uploading any  information. 

Nothing on our platform constitutes financial, legal, or professional advice. You should  independently verify any information before relying on it and consult appropriate advisors where  necessary. 

Anytime Rupee shall not be liable for any direct, indirect, incidental, consequential, or punitive  damages, including but not limited to loss of profits, loss of data, or loss of business opportunities  arising out of or in connection with your access or use of the platform or reliance on any material  provided therein. 

We do not guarantee that access to our platform will be uninterrupted, error-free, or free from  viruses or other harmful components. You are responsible for implementing adequate safeguards  before downloading any material from our platform 

15. 15. REVIEW OF THE POLICY
    
    
    
    

     

The Policy should be subjected to an annual review by the management and modifications, if any  warranted, to ensure that it remains accurate, complete, and aligned with applicable legal,  regulatory, and operational requirements, should be taken up with the approval of the Board. If  there are any amendments in the regulations, revision in the policy should be staged for the  Board’s approval in the immediately ensuing Board Meeting, after the amendments are notified  by the regulation. The most recent version of Privacy Policy will always be available on our  website and mobile application. Users are encouraged to review this policy regularly to remain  informed. Continued use of our services after such changes will constitute acceptance of the  revised Policy.