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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.


 ”Personal information” means any information that relates to a natural person, which is capable of identifying such person, either directly or indirectly, either independently or in combination with other information, either available or likely to be available with ORFIL.

“Sensitive personal data or information” of a person or business legal entity means such personal /Business information which consists of information relating to any or all of the following: password;

Provided that the following shall not be regarded as sensitive personal data or information for the purposes of this policy:


This Policy is applicable to personal information and sensitive personal data, or information collected by ORFIL or its affiliates directly from the customer or through ORFIL’s online portals, mobile apps, and electronic communications as also any information collected by ORFIL’s server from the customer’s browser.

Purpose of Collection and Use of Personal Information

ORFIL collects and uses the financial information and other personal information from its customers. This information is collected and used for specific business purposes or for other related purposes designated by ORFIL or for a lawful purpose to comply with the applicable laws and regulations. ORFIL shall not divulge any personal information collected from the customer, for cross-selling or any other purpose.

The authenticity of the personal information provided by the customer shall not be the responsibility of ORFIL.

Disclosure of Personal Information

The personal information collected by ORFIL shall not be disclosed to any other organization except:

  1. where the disclosure has been agreed upon in a written contract or otherwise between ORFIL and the customer;
  2. where ORFIL is required to disclose the personal information to a third party on a need-to-know basis, provided that in such case ORFIL shall inform such third party of the confidential nature of the personal information and shall keep the same standards of information/ data security as that of ORFIL.
  3. Furnished pursuant to any directions of a governmental authority or court of law.

Reasonable Security Practices and Procedures

The security of personal information is a priority and will be protected by maintaining physical, electronic, and procedural safeguards that meet applicable laws. ORFIL shall take reasonable steps and measures to protect the security of the customer’s personal information from misuse and loss, unauthorized access, modification, or disclosure. ORFIL will maintain its security systems to ensure that the personal information of the customer is appropriately protected and follows the extant standard encryption norms followed for the transmission of information. ORFIL will ensure that its employees and affiliates respect the confidentiality of any personal information held by ORFIL.


Notwithstanding anything mentioned in the Policy, the Policy shall exclude information that is needed to be shared with others due to extant regulations e.g. credit bureaus, CKYC registry, ROC, and RBI, and also where ORFIL is legally bound to disclose information including but not limited to FIU, Enforcement Directorate, IT department or as required by a Court of Law. 

Contact Information

In order to address any discrepancies or grievances related to the personal information residing with ORFIL, the customer may write to:

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.