Our Privacy Policy

At RupeVal, we value your privacy and are committed to protecting your personal information. This privacy policy outlines how we collect, use, disclose, and safeguard your data when you visit our website, use our services, or interact with us in any way. By using our website, you consent to the practices described in this policy.

Information We Collect

Personal Information

  • Identification Data: Name, date of birth, and contact details (email address, phone number, postal address).

  • Financial Data: Income details, credit history, and other financial information necessary for providing our services.

  • Account Data: Username, password, and other authentication details.

Non-Personal Information

  • Identification Data: Name, date of birth, and contact details (email address, phone number, postal address).

  • Financial Data: Income details, credit history, and other financial information necessary for providing our services.

  • Account Data: Username, password, and other authentication details.

How We Use Your Information

We use the information we collect for various purposes, including:

  • Service Delivery: To provide, operate, and maintain our services.

  • Personalization: To personalize your experience and tailor our services to your preferences.

  • Communication: To communicate with you, including sending updates, newsletters, and marketing materials.

  • Analytics: To analyze website usage and improve our services.

  • Security: To detect, prevent, and address technical issues and protect against fraud and misuse.

How We Share Your Information

We may share your information with:

  • Service Providers: Third-party vendors who help us operate our business, such as payment processors, analytics providers, and marketing partners.

  • Affiliates: Our affiliates and subsidiaries for the purposes described in this policy.

  • Legal Authorities: When required by law or to protect our legal rights and interests.

  • Business Transfers: In connection with a merger, sale, or other business transfer involving RupeVal.

Data Security

We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, loss, destruction, or alteration. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

    Your Rights

    You have the following rights regarding your personal data:

    • Access: Request access to your personal information.

    • Rectification: Request correction of inaccurate or incomplete data.

    • Erasure: Request deletion of your personal data under certain conditions.

    • Restriction: Request restriction of processing your personal data.

    • Portability: Request transfer of your personal data to another party.

    • Objection: Object to the processing of your personal data for certain purposes.

    Cookies and Tracking Technologies

    Changes to This Privacy Policy

    We may update this privacy policy from time to time. Any changes will be posted on this page, and we will notify you of significant changes via email or through a notice on our website.

    Contact Us

    If you have any questions or concerns about this privacy policy or our data practices, please contact us at:

    Email: privacy@rupeval.com

    Address: RupeVal, [Company Address]

    By using our website, you acknowledge that you have read and understood this privacy policy and agree to its terms.

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    Personal Loans

    A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals.

    Benefits

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    Rapid disbursal ensures timely access to funds.

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    Simplified application process with minimal documentation requirements.

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    Flexible use of funds tailored to your needs.

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    Access to substantial loan amounts, potentially exceeding Rs. 40 lakh based on lender approval.

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    Eligible borrowers may qualify for pre-approved loans with instant disbursal.

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    Choose from various repayment terms, with options extending up to 5 years or more.

    Eligibility Requirements for Personal Loans

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    Age: Applicants should be between 18 and 60 years old.

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    Income: Salaried individuals must have a minimum monthly income of Rs 15,000.

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    Credit Score: A credit score of 750 or higher is preferred, as it improves the chances of loan approval and may qualify you for lower interest rates.

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    Employment: Only individuals whose salaries are credited to a bank account are eligible.

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    Employment Stability: Applicants should have at least one year of continuous employment, with at least six months in their current job.

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    Residency: Proof of stable residency, typically at the current address for at least one year.

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    Documentation: Required documents include identity proof, address proof, income proof, and bank statements.

    Understanding the Annual Percentage Rate (APR) on Personal Loans

    At RupeVal, we connect borrowers with a network of trusted lending partners, offering personal loans with APRs typically ranging from 11.29% to 35%. The actual rate depends on your financial situation and loan requirements, ensuring you get a personalized offer.

    Key Features of RupeVal's Personal Loans

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    Flexible Loan Terms: Loan durations range from a few weeks to a maximum of 60 months (5 years), providing you with options that fit your financial planning.

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    Competitive APRs: With APRs starting at 11.29%, we strive to offer you the most favorable rates available through our partners.

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    Transparent Fees: All fees, including processing charges, are clearly outlined in the loan agreement to help you understand the total cost of your loan.

    Example Loan Scenario

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    Loan Amount: ₹5,00,000

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    Annual Interest Rate: 11.50%

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    Repayment Tenure: 5 years

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    Processing Fee: 1.5% of the loan amount (₹7,500)

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    APR: 12.16%

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    EMI: ₹10,996 per month

    Breakdown

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    Principal Amount: ₹5,00,000

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    Total Interest Charges (at 11.5%): ₹1,59,778

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    Loan Processing Fees (at 1.5%): ₹7,500

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    Total Amount Paid after 5 Years: ₹6,67,278

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    Note: Interest rates and processing fees may vary based on the lender's policies and the specific loan product you choose.

    Why Choose RupeVal for Personal Loans?

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    Personalized Loan Offers: We match you with loan offers tailored to your financial profile and needs.

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    Fast Approval Process: Our streamlined application process ensures quick approval and disbursal.

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    Secure and Confidential: We prioritize your privacy and security, ensuring your personal information is protected.

    How to Apply for a Personal Loan with RupeVal

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    Submit Your Application: Fill out our easy online application form with your basic details.

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    Get Matched: Receive loan offers from our lending partners.

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    Choose Your Offer: Select the loan offer that best suits your needs.

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    Receive Funds: Once approved, the funds are disbursed directly to your account.

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    Disclaimer: RupeVal functions as a loan aggregator and provides services on behalf of its partners, who are duly authorized for this purpose.

    Office Address

    AN 85 Shakuntala Nagar

    Rajharsh Colony Kolar

    Bhopal, Madhya Pradesh 462042