Legal and regulatory information

1. Who we are

2. The lender

Rinn appears in the Reserve Bank of India's public directory of Digital Lending Apps, as reported by our lending partners, which are RBI-regulated lenders. The directory lets anyone check that an app is associated with a regulated lender. Appearing in it is not an approval, endorsement or certification of Rinn or Rinncrest by RBI. Pending confirmation: directory URL and exact app name as listed.

Full detail of what Rinncrest does and does not do for the lender: Digital lending disclosures.

3. Our policies and disclosures

4. The lender's documents

Your loan is a contract between you and the Lender. These documents are the Lender's, are published on its website, and prevail over anything on this site on matters of the loan itself.

• Loan Terms and Conditions Pending confirmation: URL.
• Privacy Policy (published on the Lender's website)
• Fair Practices Code Pending confirmation: URL.
• Interest Rate Policy Pending confirmation: URL.
• Grievance Redressal Policy Pending confirmation: URL.
• List of recovery agents and LSPs engaged by the lender Pending confirmation: URL.

Your Key Fact Statement, shown in the Rinn app before you accept any loan, sets out your interest rate, Annual Percentage Rate, every charge, your repayment schedule and your cooling-off period. It is the document to rely on for the cost of your loan.

5. Where to check us independently

• RBI list of registered NBFCs — confirm the Lender's registration Pending confirmation: RBI NBFC list URL.
• RBI directory of Digital Lending Apps — confirm Rinn is associated with the Lender Pending confirmation: directory URL.
• Ministry of Corporate Affairs — confirm Rinncrest's company details using CIN U62099WB2026PTC287520
• RBI Complaint Management System (external site) — escalate an unresolved complaint to the RBI Ombudsman
• RBI Sachet (external site) — report an unregistered lender or app
• National Cyber Crime Reporting Portal (external site) — or call 1930
• Verify it's really us — our official channels, and how to spot impersonation

6. Accessibility statement

Our commitment

6.1 Rinncrest is committed to making its website, rinncrest.in, and the Rinn app usable by as many people as possible, including people who use screen readers, keyboards, magnification or other assistive technology. Borrower dignity is one of our founding values, and it starts with being able to read what you are agreeing to.

6.2 This statement applies to rinncrest.in. The Rinn Android app is covered in clauses 6.9 and 6.10.

The standard we work to

6.3 We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.2 at Level AA, published by the World Wide Web Consortium (W3C). These guidelines explain how to make content more accessible to people with disabilities affecting vision, hearing, movement, speech, cognition and learning.

6.4 Our approach is also informed by the Rights of Persons with Disabilities Act, 2016 and the Guidelines for Indian Government Websites, which draw on the same WCAG principles.

6.5 Current status: partially conformant. We have not yet completed a full independent audit, so some parts of the website have not yet been fully tested or do not yet fully meet WCAG 2.2 AA. Known issues are listed in clause 6.7. Pending confirmation: accessibility audit — date, method and who carried it out.

What we have done

6.6 The current build of rinncrest.in includes:

• Language set — pages declare English (India) so screen readers pronounce content correctly.
• Skip link — a "Skip to content" link lets keyboard and screen-reader users bypass the navigation.
• Page structure — consistent header, navigation, main and footer landmarks, and headings in a logical order.
• Labelled controls — menus, buttons and navigation regions carry accessible names, and expandable menus announce whether they are open or closed.
• Accessible calculators — the loan-amount slider announces its value in words (for example, "25,000 rupees") and is linked to its explanatory note; the same value can be set without a mouse.
• Decorative images hidden — purely decorative icons are hidden from assistive technology; meaningful images have text alternatives.
• Expandable FAQs — built with native HTML disclosure elements, which work with keyboards and screen readers by default.
• Contact details as text — phone numbers and email addresses are real text with tap-to-call and tap-to-email links, never images.
• Zoom allowed — pages scale to the device and do not block pinch-to-zoom.
• Readable type — a clear, self-hosted typeface (DM Sans), with figures in a monospaced face for easy comparison; numbers are always written out, never shown only as graphics.
• Colour is never the only signal — statuses on partner pages (such as "Available today") are always written as text as well as shown in colour.
• No pop-ups — no interstitials or auto-playing media.
• Plain language — legal pages start with a plain-language summary box and use short numbered clauses.

Pending confirmation: verify each item above against the production build before publishing.

Known limitations

6.7 We know about the following issues and are working on them:

6.8 We review this statement at least once a year and after any significant change to the website or app.

The Rinn app

6.9 The Rinn app is designed to work with Android accessibility features, including TalkBack, font scaling and display size. Pending confirmation: app accessibility testing status.

6.10 Some identity-verification steps, such as the live selfie check, depend on regulated verification providers and may be difficult for some users. If you cannot complete a step, contact us — we will explain the alternatives the lender can offer. Pending confirmation: alternative KYC route available from the Lender.

Other ways to get help, and feedback

6.11 If any part of the website or app is hard to use, you can:

• Email: support@rinncrest.in
• Phone: +91 81003 92196 Pending confirmation: support hours., or our Grievance Redressal Officer on +91 82309 07903
• In the app: Help → Raise a request
• Post: 2nd Floor, Flat-2, Shivalik, 42, Prince Anwar Shah Road, Tollygunge, Kolkata 700033, West Bengal

We can read information to you over the phone, explain a document, send content in a different format, or communicate with someone you nominate. You will never be asked to pay for this.

6.12 Tell us about any accessibility problem at support@rinncrest.in. Please include the page address or app screen, what you were trying to do, and the device and assistive technology you use. We aim to reply within Pending confirmation: accessibility feedback response time, e.g. 5 working days..

6.13 If you are not satisfied with our response, you can raise a formal complaint through our grievance process.

7. All pages

Every page on this website, grouped as in the main menu. Need help fast? Raise a complaint · Verify it's really us · Contact support

8. Contact

Rinncrest and Rinn never ask for an advance fee, OTP, PIN or password. If someone does, report it on 1930 or at cybercrime.gov.in (external site), and see Fraud alerts.