Welcome to Rupee Mountain. We are committed to providing you with secure and convenient revolving credit assessment and management services. This Privacy Policy aims to clearly explain how we collect, use, protect, and process your personal information while you use this application.
To provide you with accurate credit assessments, credit limit calculations, and account security, we may collect the following necessary information:
Personal Information: Name, gender, date of birth, proof of identity, employment details, bank account information, and a photo of your PAN card. This information is used to complete identity verification and regulatory compliance, and to facilitate credit limit withdrawals, repayment transfers, and related financial settlements.
SMS Data: Upon your authorization, our platform uses a keyword-based filtering mechanism to extract SMS records related to your financial transactions. The collected information serves the following core objectives: monitoring and analyzing borrowing behaviors and identifying potential bank transfers and fund flow trends to assess credit risk; verifying and tracking finance-related activities through backend SMS analysis to set reasonable credit limits based on your spending habits and repayment capacity; and strengthening defenses against fraudulent collection practices and financial fraud. All financial SMS records obtained are encrypted and transmitted via the HTTPS protocol to our dedicated server: https://up.rupeemountain.net.
Installed App List: We collect app names, package names, and installation times to detect emulators, rooted environments, and malicious cheating software, ensuring the security of transactions and the device environment.
Camera Access: When you use our services, we may request one-time access to your camera. This permission allows you to capture and upload documents required for the "Know Your Customer" (KYC) process and to take photos for security verification purposes.
Device and Network Status: Device model, system version, IP address, network type, and Google Advertising ID (GAID) are collected for technical system adaptation, troubleshooting, and anti-fraud risk control.
Approximate Location Information: With your explicit authorization, we obtain your approximate geographic area. Location information is used to check for security risks associated with logins from unusual locations and for system-level anti-fraud risk management. We do not collect your precise GPS location.
We collect and process your personal information primarily for the following business purposes:
Fulfilling service agreements and completing real-identity verification and KYC (Know Your Customer) checks;
Running credit risk assessment models to evaluate your creditworthiness and calculate appropriate credit limits;
Processing routine withdrawal requests, repayment reconciliation, and account management;
Detecting anomalous activity and preventing financial fraud, money laundering, and cybersecurity threats;
Handling customer inquiries, complaints, suggestions, and technical support requests.
Encrypted Transmission and Storage: All collected personal data and device information are transmitted via industry-standard SSL/TLS protocols and stored on dedicated, secure servers (https://up.rupeemountain.net).
Access Control: We implement strict multi-layer permission management and internal confidentiality mechanisms to ensure that only authorized personnel can access necessary operational data, thereby preventing unauthorized access, tampering, or data leakage.
Local Compliant Storage: The storage and processing of all core data comply with statutory security standards regarding local data protection and financial regulation.
We pledge never to sell, rent, or trade your personal data. Necessary information is shared only under the following statutory or business-critical circumstances:
Cooperating with mandatory compliance inquiries from regulatory bodies, judicial authorities, or law enforcement agencies as required by law.
Corporate Restructuring: In the event of a merger, acquisition, asset transfer, or business reorganization, your data may be transferred as a transaction asset in accordance with the law.
You retain full control over your personal data:
Access and Correction: You may review and update your basic personal profile at any time via the in-app interface.
Withdrawal of Authorization: You may revoke permissions (such as camera, SMS, or location access) at any time through your device's system settings (e.g., "Permission Management").
Account Cancellation and Data Deletion: You may contact customer service by emailing help@rupeemountain.net. Upon verifying your identity, we will permanently delete or anonymize all your account data in accordance with the law (with the exception of financial records that applicable laws explicitly require us to retain).
We may revise this Privacy Policy periodically due to business adjustments, technological upgrades, or changes in laws and regulations. Notifications regarding significant changes will be issued within the app. If you continue to use Rupee Mountain after the policy has been revised, it means you have read and accepted the updated terms.
If you have any questions, comments, or complaints regarding this Privacy Policy or the protection of personal data, please contact us via the following official channels:
Customer Service Email: help@rupeemountain.net
We will respond within 7 working days of receiving your email.
