Rang De stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly revaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
Eligibility to use the Rang De platform
Usage of personal information
Rang De may use personal information to provide the services requested by the users. Rang De commits not to share the user’s personal information with anyone, for any reason, at any time. Rang De uses and discloses the user’s personal information only for the following purposes:
- To perform customer due diligence (KYC) as prescribed by regulators;
- To share the borrower’s personal information with Credit Information Companies to contribute to their credit history;
- To publish the list of participants (borrowers and lenders) participating in the platform as per norms prescribed by regulators;
- To document loan agreements and other related documents and obtain participant consent;
- To analyse site usage and improve its service;
- To deliver to the user any administrative notices, notifications regarding user’s transactions on the platform;
- To fulfil the user’s requests for certain services;
- For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity;
- Need based information shared with third-party contractors that provide services to Rang De and are bound by these same privacy restrictions;
- As otherwise set forth in this Privacy and Security Policy.
In the event that the user accesses the Service as brought to the user by one of Rang De’s co-branded partners, through a co-branded URL, the user’s email address used for registration on the Service may be provided to that co-branded partner.
Rang De shall limit the collection and use of personal information
Certain areas and features of www.rangde.in are available to the user without registration or the need to provide to Rang De any information. However, other features of the Site or the Service may require registration, which involves provision to Rang De of an email address, a password, user’s address, KYC documents and to participate on Rang De forum boards, a username (collectively the 'Registration Information'). From time to time Rang De may request other personal information to provide the user with other benefits of the Service. In all such instances, the user will be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. Rang De may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to
- Advertisers and other third parties for their marketing and promotional purposes, such as the number of users and how many users clicked on a particular Rang De offer;
- Organizations approved by Rang De that conduct research on philanthropy and social contribution. Such information does not identify users individually.
Access to the user’s Registration Information, Account Credentials, Account Information and any other personal information that the user provides is strictly restricted and used in accordance with specific internal procedures and safeguards governing access control, in order to operate, develop or improve the Service. The Rang De team members handling user data are individuals that have been selected in accordance with Rang De’s security policies and practices, and are bound by non-disclosure agreements. They may be subject to disciplinary action, including termination and criminal prosecution, if they fail to meet these obligations. Rang De may also use third party vendors or service providers to help Rang De provide the Service to the user, such as sending e-mail messages on Rang De’s behalf or hosting and operating a particular feature or functionality of the Service. Rang De contracts with these third parties outlining the appropriate use and handling of user’s information and prohibits them from using any of the user’s personal information for purposes unrelated to the product or service they're providing. Rang De requires such third parties to maintain the confidentiality of the information Rang De provides to them.
Changes to user’s Registration Information
If the user’s Registration Information changes during the user’s usage of Rang De, the user may update it any time via the Service.
Online session information and use is only used to improve user’s experience
When users visit www.rangde.in, Rang De may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on Rang De’s Site. This information may be used, for example, to alert software compatibility issues, or it may be analysed to improve the Rang De Web design and functionality.
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by the user’s Web browser on the user’s computer's hard drive. Rang De stores cookies on the user’s hard drive via your web browser. These cookies are used so that the system can identify the user’s session, and must be enabled for the system to function correctly.
Rang De encodes cookies so that only Rang De can interpret the information stored in them.
Web beacons are images embedded in a Web page or email for the purpose of measuring and analysing site usage and activity. Rang De, or third party service providers acting on Rang De’s behalf, may use Web beacons to help Rang De analyse Site usage and improve the Service.
Blogs and other Forums on RangDe.in
If the user uses a bulletin board, blog or chat room on Rang De’s site, the user should be aware that any information the user submits there can be read, collected or used by other users and could be used to send the user unsolicited messages. Rang De will not be held responsible for the personal information the user chooses to submit in these fora. These fora may be hosted by Rang De or by one of Rang De’s third party service providers on Rang De's behalf.
Contests, Giveaways and Surveys
From time to time, Rang De may offer the user an opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy and Security Policy, except as specifically set forth in the rules for those contests, giveaways or promotions. From time to time, Rang De may also ask the user to participate in surveys designed to help Rang De improve the Site. Any personal information provided to Rang De in connection with any survey will be used only in relation to that survey and as set forth in this Policy.
Disclosure of user’s information to protect Rang De rights or if required by law
Notwithstanding the foregoing, Rang De reserves the right (and the user authorises Rang De) to share or disclose the user’s personal information when Rang De determines, at its sole discretion, that the disclosure of such information is necessary or appropriate:
- To prevent prohibited or illegal activities; or
- When required by any applicable law, rule, regulation, subpoena or other legal process in India.
User’s data may be transferred upon change of control but only in accordance with this Policy
Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization or other change of control. If Rang De sells, merges or transfers any part of Rang De’s business, part of the sale may include user’s personal information. If so, the user will be asked if the user would like to stop receiving promotional information following any change of control.
Users can transport or delete user’s data
User’s data is theirs. The User can remove it anytime the user wants to. When the user requests Rang De to delete a user’s account for the Service, the user’s data will be permanently expunged from Rang De’s primary production servers and further access to the user’s account will not be possible. Rang De will also promptly disconnect any connection Rang De had established to the user’s Account Information and delete all account credentials. However, portions of the user’s data, consisting of aggregated data derived from the user’s Account Information, may remain on Rang De’s production servers indefinitely. User’s data may also remain on a backup server or media. Rang De keeps these backups to ensure Rang De’s continued ability to provide the Service to users in the event of a malfunction or damage to Rang De’s primary production servers. Rang De also reserves the right to use any aggregated or anonymous data derived from or incorporating the user’s personal information.
Email communications from Rang De
Rang De provides registered users with periodic summaries of their transactions. Rang De also allows users to subscribe to email newsletters and, from time to time, may send users emails promoting Rang De. Subscribers of www.rangde.in can opt-out of receiving Rang De promotional emails and terminate their newsletter subscriptions but they will still receive information regarding completed transactions, monthly contribution reminders that they have subscribed to and any urgent updates based on technical changes or exigent circumstances (natural disasters, policy changes etc.).
Communications from Rang De on the mobile phone
Users are responsible for maintaining the confidentiality of their credentials
If the user has a security related concern, they may contact Rang De at [email protected]. Rang De will work closely with the user to ensure a quick resolution to the user’s concerns.
Updates to Rang De Privacy and Security Policy
Rang De will update this Privacy & Security Policy periodically.
Addressing user’s questions or concerns
Should the user have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security related concern, they may send an e-mail to [email protected].
All Rang De employees and authorized third parties (customers, vendors, etc.) are expected to comply with Rang De’s policies and this will be monitored by the IT department and the Information Security Team. Any violations to the policy reported or detected will result in the concerned employee/s or third parties being subjected to disciplinary action up to and including termination.