Welcome to Pocket Rupee. Pocket Rupee is a digital lending platform developed and operated by PHRENOLOGICAL INFO AUDIT AND APP SOLUTION PRIVATE LIMITED (hereinafter referred to as "we", "us"). We acts as a technology service provider and Lending Service Provider (LSP), facilitating loan services offered by regulated lending partners through the Pocket Rupee platform.
This policy becomes applicable from the first time you access or use the website or mobile application. Therefore, please read this Privacy Policy and the Terms of Use carefully before accessing or using the services. By accessing or using the services, you provide your free, specific, informed and unconditional consent to this Privacy Policy and the Terms of Use. If you do not agree with this policy, please refrain from using our services.
We collect, receive, possess, store, deal with, or otherwise handle information provided by users in the course of offering or providing our products or services, either directly or through various digital channels. We process your Personal Data on the basis of your free, specific, informed, and unambiguous consent obtained at the time of collection of such data.
Loan products available on the Pocket Rupee platform are provided by our regulated lending partner Allen's Housing & Finance Limited. All loan approvals, loan disbursements, and lending decisions are made solely by Allen's Housing & Finance Limited in accordance with applicable Indian laws and RBI regulatory guidelines. We only provides technology infrastructure and operational support to facilitate the digital lending process.
The Company may share or disclose Personal Data only in accordance with applicable law and strictly to the extent necessary for legitimate business, regulatory, or contractual purposes. Such sharing is subject to confidentiality obligations, contractual safeguards, and compliance with applicable data protection and security standards.
The Company retains Personal Data only for as long as necessary to fulfil the purposes for which it was collected, to comply with contractual obligations, applicable laws, regulatory requirements, and RBI record retention norms, including KYC and anti-money laundering obligations. The Company implements and maintains reasonable security practices and procedures to protect Personal Data against unauthorized access, disclosure, alteration, or destruction.
In accordance with the Digital Personal Data Protection Act, 2023, and applicable Rules, Data Principals have the following rights with respect to their Personal Data: Right of Access, Right to Correction and Erasure, Right to Withdraw Consent, Right to Grievance Redressal, and Right of Nomination (if applicable).
The Company has established a grievance redressal mechanism to address complaints or concerns regarding the processing of Personal Data. The Grievance Officer can be contacted at Name/Designation: Shailendra Pandey, Email: support@phrenological.com, Postal Address: Centura Square, Unit 113 1st Floor Plot No B-44 & B-44A. Road No 27, Wagle Estate, MIDC, Thane (W) 400 604, Telephone: 7208002957.