Privacy Policy

By registering at, you authorize us, our partnering Banks/NBFCs, and Advertisers to contact you via call, SMS, email, or WhatsApp to offer services, provide product knowledge, and share promotional offers. Even if you are registered under DND or DNC services, you authorize us to contact you for the mentioned purposes. 

You expressly authorize to send service-related transactional text messages, WhatsApp messages, and make calls, even if your number is listed as DND with the telecom regulatory authority. By accepting our “Terms and Conditions,” you authorize our partners to run a CIBIL check for your profile.

We do not endorse the accuracy, legality, or legitimacy of service providers. References to third parties or links to third-party sites do not imply our endorsement. will not sell or rent your personally identifiable information, except as specified herein. Your information may be transferred to affiliates or successors-in-interest due to business sale or consolidation.

If you no longer wish to receive marketing information, you can request removal by emailing

Privacy and Security Policy:

Risk Management Services (referred to as “ we/ our”) acknowledges the expectations of its customers (referred to as “customer/ you/ your”) regarding the privacy, confidentiality, and security of their Personal Information held by Safeguarding customer Personal Information to prevent any misuse is a paramount concern for is dedicated to protecting its customers’ privacy and has implemented all necessary and reasonable measures in accordance with industry best practices to secure the confidentiality of customer information and its transmission through the website. The company shall not be held liable for the disclosure of confidential information when it aligns with this privacy commitment or the terms outlined in the ‘Terms of Use ’of the website or any agreements with customers.

This Privacy & Security Policy (referred to as “Policy”) elucidates how we safeguard Personal Information provided on our websites such as (referred to as “Website”) and how we utilize that information in connection with the services offered through the Website (referred to as “Service”).

Third-Party Advertising:

Third-party advertising companies and/or ad agencies may be employed to display advertisements during your visits to our website. These entities could gather information, excluding personal details such as your name, address, email, or phone number, regarding your interactions with and other sites. The purpose of this information collection is to present targeted advertisements on this platform and others, showcasing products and services that might align with your interests.

In addition, we might utilize third-party service providers to exhibit ads on our behalf across the Internet, including on this website. These service providers may anonymously collect data related to your website visits, as well as your engagement with our products and services. The information gathered could also be utilized for targeted advertising of goods and services on various websites. The collection of this anonymous data involves the use of pixel tags, an industry-standard technology employed by many major websites. Importantly, no personally identifiable information about the user, such as name, phone number, address, or email, is collected or utilized in this process.

Personal Information:

Personal Information refers to any data pertaining to an individual that has the potential to identify that person, either directly or indirectly. This identification may occur on its own or when combined with other information that is currently available or likely to become available through

Express Consent:

By providing details on the website, including but not limited to the mentioned Personal Information, you explicitly grant (along with its affiliates and business partners) permission to get in touch with you. This communication may involve follow-up calls related to the services offered through the website, providing product information, presenting promotional offers available on the website, and various other offers from its partners on the site.

Using the website may also necessitate your consent to input Sensitive Information (including but not limited to user IDs and passwords) as required to process your application through the website. The input of sensitive information is essential to facilitate efficient, quicker, and, to the extent possible, paperless processing of applications for financial products that you have chosen or availed.

In the course of your website usage, you explicitly waive any registrations on the Do Not Call (DNC) / Do Not Disturb (DND) list for your phone/mobile numbers, permitting contact for these specific purposes. As a result, no DNC/DND check is applicable to the contact number you have provided on our website. Methods of contacting you may encompass sending SMSs, email alerts, and/or telephonic calls.

It is important to note that reserves the right, and you expressly authorize, to share or disclose your Personal Information if determines, at its sole discretion, that such disclosure is necessary or appropriate under the prevailing law.

Purpose and Usage: is committed to not selling or renting your Personal Information to any party under any circumstances. The information collected is utilized by for managing its business operations and delivering an improved, personalized online experience on its website. This enables to:

1. Analyze website usage and enhance the service.

2. Send administrative notices, offer alerts, and communications relevant to your service usage.

3. Facilitate your application for specific products and services.

4. Conduct market research, project planning, troubleshoot issues, and detect and protect against errors, fraud, or criminal activities.

5. Engage third-party contractors providing services to, bound by the same privacy restrictions.

6. Comply with applicable laws and regulations.

7. Enforce’s Terms of Use.

If you access the service through a co-branded URL from one of’s co-brand partners, your information may be shared with that partner when you submit your application or when the application status is updated. Opting out of sharing information with these co-brand partners is not possible if you apply via a co-branded URL.

To avail services such as applying for a loan, you are required to provide Registration Information, including your name, email address, residential address, mobile number, PAN number, employment and income details/proofs, and, if applicable, personally identifying information about a co-loan applicant. Additionally, providing electronic bank statements or payslips requires the submission of Account Credentials for retrieving account data from other financial institutions. Your Account Credentials are used only once for retrieval and are not stored in the system. However, is not liable for any claims arising from transactions conducted at your discretion.

Third-party service providers may be utilized to deliver the service, such as sending email messages or hosting specific features. Contracts with these third parties outline the appropriate use of your information, ensuring it is not used for purposes unrelated to the service provided. These providers are also obligated to maintain the confidentiality of the information provided to them.

Disclosure/Sharing: upholds the confidentiality of a customer’s sensitive personal data or information, divulging it solely in accordance with legal directives or mandates from the customer/applicant. Information pertaining to customer accounts or personally identifiable data is not disclosed to non-affiliated third parties unless any of the following conditions are met:

• To facilitate the completion of a transaction initiated by you.

• To provide support services through a third-party service provider, ensuring adherence to’s Privacy Policy and obtaining your prior consent.

• When you have explicitly authorized such disclosure.

• If the disclosure is necessary to comply with a legal obligation or as mandated by law, such as in response to a subpoena or similar legal process.

• When information is shared with Government agencies mandated by law.

• If information is shared with any third party as per a lawful order.

• In cases where we genuinely believe, in good faith, that disclosure is essential to protect our rights, ensure your safety or the safety of others, investigate fraud, or respond to a government request.

Intimation of Changes:

If there are changes to the Registration Information you provided when applying for a product on our Website or Sites, you can update it when applying for a new product through our Website or Sites. To review and ensure the accuracy of your Personal Information while your application is in process, please reach out to us at It’s important to note that once a decision has been made on an application, you won’t be able to update the information provided in that application. However, you have the option to create and submit a new application with your updated information.


We will keep your information for the duration of your active account or as required to offer you services. If you decide to cancel your account or request the cessation of using your information for service provision, please reach out to us at We will promptly address your request. Nevertheless, we will continue to retain and utilize your information as needed to fulfill our legal obligations, resolve disputes, and enforce our agreements.

Email & SMS Communications:

We deliver periodic emailers and email/SMS alerts to our registered customers. Users have the option to subscribe to email newsletters, and occasionally, we may send emails promoting or third-party products. Subscribers to’s Website can choose to opt-out of receiving promotional emails and cancel their newsletter subscriptions by following the instructions provided in the emails. It’s important to note that opting out in this manner will not stop the transmission of service-related emails/SMS, such as email/SMS alerts. Additionally, these services are also offered by our partners.

Log Files:

This data may encompass internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. The log information collected about you may be utilized to enhance the services provided to you and improve marketing, analytics, or Website functionality.

Cookie Policy:

If activated, we may utilize cookies to store small amounts of data on your computer during your visit to any of our Website pages. Cookies, which are small electronic files, gather information when a person visits a website, identifying the viewed pages. This assists us in tracking which features are most appealing to you and the content you’ve viewed during past visits. While some cookies are session-based and exist only during online viewing, ‘persistent’ cookies remain on the viewer’s computer and enable us to customize content based on preferences upon revisiting the Website. Various technologies such as cookies, beacons, tags, and scripts are employed by us and our partners, including banking and financial entities, affiliates, analytics, or service providers such as Google AdSense and Google Analytics. These technologies analyze trends, administer the Website, track user movements, and gather demographic information about our user base. Reports on the use of these technologies by these companies are received on both individual and aggregated bases.

Cookies used by include Session id, TRCKR, UBID, etc. We use these cookies on our Website to personalize our service. By using our Website, users agree to the placement of these types of cookies on their devices. Users can choose to disable/delete these cookies by adjusting their web browser settings, maintaining control at the individual browser level. Rejecting cookies will not prevent site use, but it may limit the ability to use certain features or areas. To learn more about accepting or refusing cookies, visit Unless browser settings are adjusted to refuse cookies, our system will issue cookies upon logging into the Website.

It’s important to note that is not responsible for cookies placed on users’ devices by other websites and the information collected therein.

Behavioural Targeting/Re-Targeting:

We collaborate with a third-party service provider to either showcase advertisements on our Website or oversee our advertising on other sites. This partner may employ technologies like cookies to collect information about your activities on this Website and other sites, aiming to deliver advertising tailored to your browsing activities and interests. If you prefer not to have this information utilized for serving interest-based ads, you can opt-out by clicking here. It’s important to note that opting out here does not exclude you from receiving ads; however, the ads you receive will be generic in nature.

Third parties will not be given your Personal Information unless you direct to do so:

Various products and services, including loans and credit cards, are presented by third parties on our Website, such as lenders, banks, credit card issuers, and mutual funds (collectively referred to as “Offers”). If you decide to apply for these distinct products or services, share information with the providers, or authorize them to collect information about you, their use of your information is guided by their respective privacy policies. It is advisable to assess the practices of these external service providers before opting to use their services. bears no responsibility for their privacy practices.

Testimonials and Forums:

Subject to your consent, may publish your testimonial, including your name. If you wish to have your testimonial removed, please get in touch with at you utilize a blog or another public forum on the Website, any information you submit may be accessed, collected, or utilized by other users and could lead to the receipt of unsolicited messages. is not accountable for the Personal Information you opt to submit in these forums.

Additional Policy Information:

Widgets: Our website features Widgets, interactive mini-programs that operate on our site to provide specific services from third-party companies (e.g., displaying news, opinions, music, etc.). The Widget may collect Personal Information, such as your email address, and may set cookies to ensure proper functionality. The information gathered by the Widget is subject to the privacy policy of the company that created it, not

Single Sign-On: You have the option to log in to our website using sign-in services like Facebook Connect or an Open ID provider. These services authenticate your identity and offer the choice to share specific Personal Information, such as your sign-in details, name, and email address, to establish a link between the sites. Social media services like Facebook and Twitter may allow you to post information about your activities on our website to your profile page for sharing within your network.

Like Button: If you utilize the “Like” button to share content, it will appear on your Facebook profile page and potentially on your friends’ newsfeeds, depending on your Facebook privacy settings. You might also receive updates in your Facebook newsfeed from our website or the liked item in the future. Facebook also collects information about the pages you visit on our site and others that have implemented the “Like” button.

Links to 3rd Party Sites: Our website contains links to other websites with privacy practices that may differ from If you submit Personal Information to any of these sites, their privacy policies govern your information. We recommend carefully reviewing the privacy policy of any website you visit.

Data Security:

We adhere to generally accepted standards to safeguard Personal Information submitted to us, employing measures during transmission and upon receipt. While we implement a combination of firewalls, encryption techniques, authentication procedures, and other security measures to uphold the security of your online session, cannot guarantee absolute security due to the inherent limitations of Internet transmission and electronic storage, which are not 100% secure. For inquiries about security on our Website, please contact us at

When you register for the Service, prioritizes your privacy and security by requiring a password. The transmission of information, such as your Registration Information for the Website or Account Credentials, is conducted securely.

Our servers are housed in secure facilities with multi-level authentication requirements, including identity card and biometrics recognition procedures. Continuous monitoring by security personnel is maintained 24/7.

Physical and logical protections are in place to restrict general employee access to our databases. We encrypt your Service password to prevent recovery, even by us, and extend encryption to all backup drives and tapes.

Stringent physical access controls are enforced at our buildings, and no employee is permitted to store sensitive content on insecure machines. has undergone verification for SSL encryption technologies and privacy practices by TRUSTe. The Website is regularly tested using Acunetix scans to identify potential vulnerabilities.

It’s crucial to note that these precautions specifically apply to our Website and systems.

Private Information Encryption:

Any communication between your computer and our Website that includes Personal Information is encrypted. This encryption ensures that client and server applications can communicate in a manner designed to prevent eavesdropping, tampering, and message forgery.

Login ID and Password Confidentiality:

You are accountable for ensuring the security of your Login ID and Password and should not disclose these credentials to any third party. In the event that you suspect they have been compromised or made known to others, it is imperative to contact us promptly at We are not liable if unauthorized access to your account occurs due to the use of Registration Information obtained from you or due to a breach by you of this Privacy and Security Policy or the Terms of Use.

For any security-related concerns, please reach out to us at We are committed to collaborating closely with you to provide a swift and personalized response to your concerns.

Contact for Questions or Concerns:

For inquiries about this policy or security concerns, contact

This comprehensive privacy and security policy is designed to ensure transparency and safeguard user data on

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