Governance & Compliance
A single place for the policies and codes that govern how customer information is collected, how consent is managed, and how lending activities are conducted — in line with Reserve Bank of India directions and applicable data protection law.
PHRENOLOGICAL INFO AUDIT AND APP SOLUTION PRIVATE LIMITED operates the PocketRupee platform as a Lending Service Provider (LSP). Loan products are provided by Allen's Housing & Finance Limited, an NBFC registered with the Reserve Bank of India (Reg. No. B.05.06399). The policies below are the lender's policies, published here for borrowers using the platform.
How personal information is collected, used, disclosed, stored and protected — covering the categories of data collected, the purposes of processing, sharing with credit bureaus and regulators, retention, security safeguards and your rights.
Read policyThe framework for obtaining, recording, reviewing, renewing and withdrawing consent for processing personal data under the Digital Personal Data Protection Act, 2023 and applicable RBI Master Directions.
Read policyA transparent, technology-enabled framework for sourcing, processing, approving, disbursing, servicing and monitoring loans through digital channels, including the role of Loan Service Providers.
Read policyMinimum standards for dealing with customers — non-discrimination, communication language, loan appraisal, penal charges, disbursement, recovery conduct, grievance redressal and facilities for differently-abled applicants.
Read policyThe basis on which interest rates and other charges are determined — loan tenor, cost of borrowing, operational cost, sector and credit risk, margin and prevailing market practices — together with the applicable other charges.
Read policyThese policies are reviewed periodically and updated to reflect regulatory changes, new products and digital channels, and material privacy incidents. The version published here is the version in force. If you have a question about any policy, or wish to exercise a right or raise a grievance, please get in touch.
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