Privacy Policy

1. Introduction & Scope

RawaniGrow Financial Advisory Services Ltd. (“RawaniGrow”, “we”, “us”, or “our”) operates as an institutional lending facilitation platform and corporate loan advisory partner. We are committed to safeguarding the privacy and confidential financial data of individuals and businesses accessing our digital portal and advisory services.

This Privacy Policy explains how we collect, process, store, and disclose your personal and financial information in strict compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and the Reserve Bank of India (RBI) Guidelines on Digital Lending.

2. Information We Collect

To facilitate comparative loan underwriting across our 70+ partnered institutional lenders, we may collect the following categories of information:

• Identity Information: Full legal name, date of birth, gender, permanent account number (PAN), Aadhaar details (processed via masked/UIDAI-compliant e-KYC).
• Contact Information: Residential address, operational email address, verified primary mobile telephone number.
• Professional & Financial Information: Employment status, employer name, monthly net salary, audited financial statements (for enterprises), last 3 to 6 months bank account statements, and existing loan liabilities.
• Credit History: Credit bureau reports (CIBIL, Experian, CRIF High Mark) retrieved solely upon explicit, timestamped user consent.

3. Purpose of Data Processing

Your personal and financial data is processed exclusively for the following legitimate purposes:

• Assessing preliminary eligibility criteria against the underwriting rules of our 70+ partner banks and NBFCs.
• Transmitting your finalized loan application file to the lender of your explicit choice.
• Assisting with legal title searches, technical property inspections, and document drafting.
• Preventing loan fraud, identity theft, and compliance with anti-money laundering (AML) mandates.
• Communicating status alerts, in-principle sanction updates, and disbursement schedules.

4. Data Disclosure & Partner Lenders

RawaniGrow will share your data only with:

• Regulated Lending Partners: Banks, Housing Finance Companies (HFCs), and Non-Banking Financial Companies (NBFCs) where you have explicitly authorized an application.
• Accredited Credit Information Companies (CICs): Bureau agencies such as TransUnion CIBIL, Equifax, or Experian for soft credit pulls.
• Regulatory Authorities: Law enforcement agencies, the RBI, or statutory bodies when mandated by applicable Indian law.

Zero Third-Party Telemarketing Sale: RawaniGrow guarantees that your personal data is never rented, monetized, or sold to unrelated marketing brokers or spam networks.

5. Security & Encryption Standards

We employ bank-grade security protocols to protect data during transmission and resting storage:

• Data in transit is encrypted using 256-bit Transport Layer Security (TLS 1.3).
• Stored records reside in encrypted AWS/Azure ISO 27001-certified data centres located within the sovereign territory of the Republic of India.
• Strict role-based access control (RBAC) ensures only authorized advisory relationship managers access active files.

6. Your Rights Under the DPDP Act

As a Data Principal, you possess the right to:

• Request an audit summary of your personal information held by RawaniGrow.
• Request correction or updating of incomplete or inaccurate records.
• Withdraw your consent for processing and request erasure of your data (subject to statutory audit retention obligations under RBI regulations).

7. Grievance Redressal Officer

In accordance with the DPDP Act, 2023 and RBI Digital Lending Directives, the contact details of our appointed Grievance Redressal Officer are as follows: