Privacy Policy

This Privacy Policy describes how RIRA CAPITAL, operated by RJ Finserv Solutions Private Limited (“RIRA CAPITAL”, “we”, “us”), handles information collected through our website, loan enquiry and application forms, partner / DSA services and related digital services.

By using our website or services, you acknowledge the practices described in this policy. If you do not agree with any part of this policy, please do not use the website or submit any information.

We collect only the information reasonably necessary to provide our services.

Information is used only for legitimate purposes, including:

• Processing loan enquiries and applications
• Connecting customers with appropriate lending partners
• Application verification
• Customer communication
• Application status updates
• Fraud prevention and security
• Improving the website and service experience
• Meeting regulatory or legal obligations where applicable

RIRA CAPITAL is a facilitation platform. We do not guarantee loan approval, and any final decision, interest rate, tenure and terms are subject to the respective Bank / NBFC’s credit policy.

Information may be shared only where necessary with:

• Authorised lending partners (Banks / NBFCs) whom you consent to be connected with
• Authorised service providers assisting with our operations
• Technology, communication, document verification or payment providers where required
• Government or regulatory authorities when legally required

We implement reasonable technical and organisational safeguards designed to protect the information you provide, including:

• Secure transmission (encryption in transit)
• Access controls and role-based permissions
• Authentication mechanisms
• Restricted employee and partner access
• Secure storage practices
• Periodic review of security controls

While we take these measures seriously, no method of transmission or electronic storage is completely immune to risk. We do not represent our services as free from all vulnerabilities.

We retain information only for as long as reasonably necessary for the purposes described in this policy, including:

• Processing and servicing your loan application
• Legitimate business and record-keeping purposes
• Handling queries, disputes or grievance redressal
• Meeting legal, regulatory or audit requirements

Once retention is no longer required, information is deleted, anonymised or archived in line with applicable requirements.

We use cookies and similar technologies to support core website functions and improve your experience. These may be used for:

• Essential website functionality (e.g. session, authentication)
• Security
• Aggregate analytics where enabled
• Improving user experience and preferences

You can control cookies through your browser or device settings. Disabling essential cookies may affect certain website features such as login and session persistence.

We may work with external service providers that process limited information on our behalf, strictly for the purpose of delivering services such as hosting, communication, verification or analytics.

Where these providers have their own privacy policies, we encourage you to review them directly. RIRA CAPITAL does not endorse and is not responsible for the practices of third parties outside our reasonable control.

Where legally applicable, you may have the following choices regarding your personal information:

• Request access to information we hold about you
• Request correction of inaccurate information
• Ask questions about how your data is used
• Raise privacy concerns or grievances
• Request deletion where legally permissible
• Withdraw consent for optional processing

Please note that some information may be required to be retained by us or our partners to comply with legal, regulatory or contractual obligations, and in such cases deletion may be limited or delayed.

We may send you service-related and, where you have consented, promotional communications about loans, offers or partner services.

You can opt out of promotional communications at any time by using the unsubscribe option within the message or by contacting us at care@rjfinservsolutions.com. Essential service-related communications regarding your application will continue to be sent where necessary.

Our website and services are intended for adults and are not directed to individuals below the age of 18. We do not knowingly collect personal information from children. If you believe a minor has provided us information, please contact us so we can take appropriate action.

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements or business practices. The latest version will always be published on this page with an updated effective date.

We encourage you to review this page periodically. Continued use of the website after an update indicates that you accept the revised policy.

If you have any questions, concerns or requests regarding this Privacy Policy or the way we handle your information, please reach out using the details below.