RUPITAP – TERMS OF USE
1. About Rupitap
Rupitap is a digital loan aggregation and facilitation mobile application operated by SurfinCreatives Private Limited ("Rupitap", "we", "us", "our"). Rupitap acts only as a technology platform connecting users with loan products offered by RBI-regulated banks and non-banking financial companies ("Lending Partners").
- Rupitap is not a lender
- Rupitap does not sanction, disburse, service, recover, or collect loans
2. Acceptance of Terms
By downloading, registering, or using the Rupitap app, you agree to these Terms of Use, the Privacy Policy, and the Digital Lending Disclosure. If you do not agree, please do not use the app.
3. Eligibility
You confirm that:
- you are 18 years or older;
- you are legally capable of entering into contracts; and
- you are a resident of India.
4. Services Provided
Rupitap enables you to:
- apply for loan products offered by Lending Partners;
- share information with Lending Partners only with your consent;
- track loan application status; and
- raise platform-related support queries.
All loan terms, approvals, disbursement, repayment, servicing, and recovery are handled solely by the Lending Partner.
5. Data Access Restrictions (Important)
Rupitap does NOT:
- access or read SMS messages;
- access contact lists or address books;
- track real-time or background location.
The app functions without requesting SMS, contacts, or location permissions, in compliance with RBI Digital Lending Guidelines.
6. Fees
Rupitap does not charge users any fees. Any loan-related fees or charges are disclosed and collected only by the Lending Partner.
7. Third-Party Responsibility
Rupitap is not responsible for:
- loan approval or rejection;
- loan terms or interest rates;
- delays or errors by Lending Partners or credit bureaus.
8. Suspension or Termination
We may suspend or terminate access to the app if required by law, for security reasons, or in case of misuse or fraudulent activity.
9. Governing Law
These Terms are governed by Indian law. Courts at Bengaluru, Karnataka shall have exclusive jurisdiction.
DIGITAL LENDING DISCLOSURE
(Mandatory RBI User Notice – In-App)
- Rupitap is not a bank or NBFC.
- Loans are offered and disbursed only by RBI-regulated lenders.
- Lending Partner details are shown before you submit a loan application.
- Rupitap does not charge platform fees.
- All repayments are made directly to the lender.
- Rupitap does not undertake recovery or collection.
- Loan-related complaints must be raised with the Lending Partner.
- Unresolved issues may be escalated under the RBI Integrated Ombudsman Scheme, where applicable.
