Privacy & Disclosure Policy
ORANGE RETAIL FINANCE INDIA PRIVATE LIMITED (ORFIL) recognizes the expectations of its customers with regard to privacy, confidentiality and security of their personal information that resides with ORFIL. Keeping personal information of customers secure and using it solely for activities related to ORFIL and preventing any misuse thereof is a top priority of ORFIL. ORFIL has adopted the privacy policy aimed at protecting the personal information entrusted and disclosed by the customers [“the Policy”]. This policy governs the way in which ORFIL collects, uses, discloses, stores, secures and disposes of personal information and sensitive personal data or information.
Collection of Information
Categories of Personal Data that we collect, store and process include:
1.Demographic, Identity & Contact Data (for e.g., name, last name, date of birth, email address, father’s name, mother’s name, address proof, contact number, language, occupation, state, physical address with pin code, age, nationality, spouse name, marital status, gender, religion, caste)
2.Authentication Data (for e.g., signature proof)
c.Personal Identification Documents (for e.g., PAN card, voter ID, passport, Aadhaar card, driving licence, ration card, etc.)
3.Financial Account Details (for e.g., bank account number, bank IFSC code, bank statement and loan agreement number, data received from Credit Bureaus, income, proof of income (including salary slip or form 16)
4.Educational & Professional Data (for e.g.,basic qualification, educational qualification,)
5.Device Information (for e.g., your storage, hardware model, operating system and version, unique device identifier, mobile network information, and information about the device’s interaction with our services)
6.Personal Data collected via Permissions on our Mobile Application (for e.g., camera, contacts, location data, storage, photos, SMS)
7.Communications details (for e.g., mobile number, emails, contact lists)
8.Generated Data (for e.g., logs, transaction records)
9.Testimonials that may contain some Personal Data. (for e.g., full name, city)
Sources or Means of Data Collection
The Company collects Personal Data or Sensitive Personal Data or Information from multiple sources, which includes the following sources:
a. Data declared by the Persons either as part of their discussions with Company officials or
through the application form submitted by them to the Company.
b. Data submitted by the Persons through the website of the Company.
c. Data collected from third party sources including, but not limited to, credit bureaus, NSDL, other banks or financial institutions, etc.
Such Personal Information or Sensitive Personal Data or Information is collected by the Company to evaluate the credit worthiness of the potential borrowers, adherence to KYC requirements laid down under various laws and regulations, etc. Such Personal Information or Sensitive Personal Data or Information collected by the Company shall be used only for the purpose of loan processing, Customer communication, regulatory compliance, online payment authentication, etc and not for any other purposes.
Sharing of Information
The Company does not disclose Personal Information or Sensitive Personal Data or Information of Customers or potential borrowers without their prior consent unless disclosure is necessary to comply with the applicable legal and regulatory processes or to protect and defend the rights, interests and properties of the Company’s employees or to enforce the terms of service which are binding on all the Persons. The Company may also share Personal Information or Sensitive Personal Data or Information as part of reciprocal information exchange where there is a mandatory need to submit such Personal Information or Sensitive Personal Data or Information. Under all other circumstances, Personal Information or Sensitive Personal Data or Information shall be shared with others only with the explicit consent of the Customer.
International Data Transfer
Our data centers are located in India. Any Personal Data that we transfer will be protected in accordance with this Privacy Policy.
How Do We Secure Your Personal Data?
We are committed to protecting your Personal Data in our custody. We take reasonable steps to ensure that appropriate physical, technical and managerial safeguards are in place to protect your Personal Data from unauthorized access, alteration, transmission, and deletion. We train our employees about the importance of maintaining the privacy and security of your Personal Data. We ensure that the third parties with whom we share your Personal Data are under appropriate contracts and we take appropriate security measures to protect your Personal Data in line with our policies.
Contact Information
In order to address any discrepancies or grievances related to the personal information residing with ORFIL, the customer may write to: customercare@orangeretailfinance.com
Notice of change
ORFIL may, from time to time, change this Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.
Cookie policy
ORFIL digital platforms use various third-party analytical tools. These tools use cookies that are downloaded to your device when you visit a website in order to provide a personalized browsing experience. Cookies are used for lots of tasks like remembering your preferences & settings, provide a personalized browsing experience and analyze site operations. These cookies collect information about how users use a website, for instance, how often visited pages. All information collected by third-party cookies is aggregated and anonymous. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her device/browser settings. ORFIL is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.