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.
RUPITAP – PRIVACY POLICY
1. Introduction

This Privacy Policy explains how Surfin Creatives Private Limited collects, uses, shares, and protects your personal data in accordance with:

  • Information Technology Act, 2000
  • Digital Personal Data Protection Act, 2023
  • RBI Digital Lending Guidelines
2. Information We Collect

With your consent, we may collect:

  • name, mobile number, email address;
  • KYC information required by Lending Partners;
  • credit information via registered credit bureaus;
  • limited device information (IP address, app usage, diagnostics).
3. Information We Do NOT Collect

Rupitap does not collect or access:

  • SMS content or metadata;
  • contact lists or phonebook data;
  • real-time, continuous, or background location data.
4. Purpose of Data Use

Your data is used only to:

  • facilitate loan applications;
  • share information with selected Lending Partners;
  • comply with legal and regulatory obligations;
  • prevent fraud and ensure platform security.
5. Data Sharing

Your data may be shared with:

  • RBI-regulated banks and NBFCs;
  • registered credit information companies;
  • authorised service providers;
  • regulators or authorities, if legally required.

We do not sell or trade personal data.

6. Consent & Communication

By using the app, you consent to being contacted via call, SMS, email, or digital means only for loan facilitation and regulatory communication, even if registered under DND/NCPR.

7. Data Storage & Retention
  • Data is stored on secure servers located in India.
  • Data is retained only as required by law or regulatory guidelines.
8. Your Rights

You may request:

  • access or correction of your data;
  • deletion, where legally permitted;
  • withdrawal of consent, subject to applicable laws.

Requests can be raised through in-app support or email.

9. Security

We implement reasonable technical and organisational measures to protect your data against unauthorised access or misuse.

10. Grievance Redressal
  • Grievance Officer: To be displayed in-app
  • Resolution Timeline: Within 30 days
11. Policy Updates

This Privacy Policy may be updated from time to time. Continued use of the app means acceptance of the updated policy.

12. Governing Law

This Privacy Policy is governed by Indian law. Courts at Bengaluru, Karnataka shall have exclusive jurisdiction.