🖊️ Last updated on April 20 2024

Introduction

This privacy policy (“Privacy Policy”) outlines Orocorp Technologies Private Limited and its affiliates’ (“We”, “Us”, “Orocorp”, “Oro”) practices in relation to the collection and processing of Personal Information that a User chooses to share with us when the User downloads and uses our Application.

Disclaimer

  1. This Privacy Policy is governed by and is compliant with applicable laws in relation to Personal Information.
  2. We are committed to protect your privacy and have made this Privacy Policy to describe the procedures we adhere to for collecting, using, and disclosing the Personal Information. We recommend you read this Privacy Policy carefully so that you understand our approach towards the use of your Personal Information.
  3. Please note that unless specifically defined in this Privacy Policy, capitalised terms shall have the same meaning ascribed to them in our Terms and Conditions available at policies.orocorp.in/terms-conditions.

Scope

This Privacy Policy applies to the Personal Information that may be collected by Orocorp, as a part of the User on-boarding process directly from the User or from other sources as well. You represent that the information or data you provide from time to time is and shall be correct, current and updated and you have all the rights, permissions and consents to provide such information or data.

By providing us with the consent to process your Personal Information, the User acknowledges that Orocorp will collect, store, use, and disclose their Personal Information in accordance with this Privacy Policy.

User acknowledges that they have the option to not provide or agree to the collection of Personal Information. If a User chooses to not grant us access to such Personal Information when requested, we will not be in a position to provide the User with the Services. In such an event, we encourage you to stop availing the Services and accessing the Application. In addition to this, in the event you do not consent to our access of your Personal Information, we may have to terminate, suspend or limit your access to the Services or part thereof, as may be the case.

Collection Of Data

We use different methods to collect and process Personal Information. This includes:

  1. Information you provide us: This is the information the User provides Orocorp when they use the Services or when they correspond with Orocorp (for example, by email or chat, or through the Application). It includes information the User provides when they register to use the Services, or Application feature, share data through the Application, or when the User reports a problem with the Services. If the User contacts us, Orocorp will keep a record of the information shared during the correspondence. For instance: The Personal Information shall be collected through the mobile application form available on the Application or from other sources to provide you the Services.
  2. Information we collect about you and your device: Each time the User visits the Application, or uses the Services, Orocorp will automatically collect Personal Information through the use of tools like cookies. For instance: We collect an “FCM registration token” from your mobile phone which is used only for the purpose of sending you notifications on your mobile phone.
  3. Information Orocorp receives from other sources including third parties and publicly available sources: Orocorp may receive Personal Information from various third parties and public sources.

Please note that Orocorp does not have any control over Personal Information that you may choose to make publicly available. For example, if you post reviews, comments, or messages on public sections of the Application, or on an application store (such as the Play Store), you do so at your own risk. Orocorp is not liable for third-party misuse of such data.

For the purposes of this Privacy Policy and the Services, the types of information we might process based on the service or product you select via the Services is as below:

Category of Data Information processed
Identity and User registration Full name, age, date of birth, gender
Contact Information Mobile number(s), permanent and current addresses, state/city of residence, country, pin code, email address
Financial Information Personal bank account numbers, salary and income details, bank account proof such as cancelled cheque. This may include your past credit history, income details, details of loans issued, or otherwise applied for through the Applicaiton, payments and repayments thereof.
KYC Information Facilitation of KYC documents including  proofs of identity and address, photograph, Permanent Account Number (PAN), Aadhaar, signature, nominee details, marital status, father’s name, mother’s name.
Transactional Information Any information provided by you directly or indirectly to us, provided by banks or payment service providers for your transactions on the Application.
Usage and Technical Information IP addresses, application type, versions, configurations, operating systems, device brand, device model, time zone setting, unique identifiers associated with your device, events (or) pages that you access on the Application, dates and times that you visit on the Application and the paths taken for the purposes of onboarding.
Marketing and Communication Information Communications with Oro Customer Support, records of your consent/decision to subscribe or withdraw from receiving marketing communication

We may collect or fetch your Aadhaar data for the purposes of verifying your identity, on behalf of the Lenders. We collect your Aadhaar data on the basis of your voluntary, informed, and express consent. Please note that our collection of your Aadhaar data is voluntary, and alternatively, you may choose to provide us with other acceptable identifiers, such as your driving licence, voter ID, passport etc. You will not be denied the Lenders' services in the event you choose not to provide us your Aadhaar data.