Digital lending disclosures

1. Who we are

1.1 Rinncrest is not a bank, an NBFC or any other kind of lender. It is not registered with or regulated by the Reserve Bank of India as a lender, does not accept deposits, and does not lend its own money.

1.2 Rinncrest acts for the lender under a written agreement that sets out each party's roles, rights and obligations, as the RBI (Digital Lending) Directions, 2025 require. The lender carries out due diligence on Rinncrest and monitors the work we do for it. Outsourcing work to us does not reduce the lender's responsibility to you. The lender remains accountable to you and to RBI for every function we perform on its behalf, consistent with RBI's directions on outsourcing of financial services by NBFCs.

2. Our lending partners

This list is also maintained on our Lending Partners page. Each Lender publishes its Loan Terms and Conditions, Fair Practices Code, Interest Rate Policy and Grievance Redressal Policy on its website. Pending confirmation: URL for each.

2.1 The Lender. On this page, "the Lender" means the lending partner listed above that sanctions and disburses your loan, as named in your Key Fact Statement and loan agreement.

2.2 If more lenders join. If Rinncrest adds lenders in future, we will update this page before any new lender's loans appear in the app, and the app will follow the RBI (Digital Lending) Directions, 2025 on multi-lender arrangements: it will show every matching offer neutrally, name the lender behind each offer, show the amount, tenure, APR, monthly repayment and charges for each, link each offer's Key Fact Statement, disclose lenders whose offers did not match you, and will not steer you towards any one lender.

3. The Digital Lending App we operate

3.1 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.

3.2 Rinn is the only app Rinncrest operates. Any other app, website, WhatsApp number or social-media account offering "Rinn" or "Rinncrest" loans is not ours. Check our official channels at Verify it's really us and learn how to check a loan app against RBI's directory (page not available yet).

4. What Rinncrest does for the lender

Under its agreement with the lender, Rinncrest performs the following functions on the lender's behalf. Pending confirmation: list of outsourced functions to match the LSP agreement with the Lender.

5. What Rinncrest does not do

5.1 Rinncrest does not:

(a) lend money, or take deposits; (b) decide whether you get a loan, or how much — the lender alone makes the credit decision under its own credit policy; (c) set interest rates, charges or loan terms — the lender does, under its Interest Rate Policy; (d) hold, pool or route borrower funds — loans are disbursed directly from the lender to your bank account, and repayments go directly to the lender's account; (e) charge you any fee, at any stage; (f) access your contacts, SMS, call logs, photo gallery or media files, or the list of apps on your phone; (g) use data collected for your loan to market unrelated products to you without your separate consent, or sell your data to anyone.

5.2 Any person — including anyone claiming to be from Rinncrest — who tells you they can "guarantee" approval, influence the lender's decision, or get you a better rate in exchange for a payment is not acting for us. Report it at Fraud alerts.

6. Fees and how Rinncrest is paid

6.1 Rinncrest charges borrowers nothing. Downloading Rinn, creating an account and applying are free.

6.2 No upfront fee is ever collected before disbursal, by Rinncrest, the lender or anyone acting for either.

6.3 Rinncrest is paid by the lender for the services in section 4, under its agreement with the lender. The RBI (Digital Lending) Directions, 2025 do not allow an LSP's fees to be charged to the borrower directly, and we never do so.

6.4 Any charges the lender applies to your loan, such as a processing fee, are shown in your Key Fact Statement before you accept. No charge that is not in your KFS can be levied without your explicit consent. See Rates and charges.

7. Key Fact Statement and cooling-off period

7.1 Before you accept any loan, the app shows you the lender's Key Fact Statement (KFS). It sets out the loan amount, interest rate, Annual Percentage Rate (APR) — the all-in yearly cost including charges — every fee, the total amount you will repay, the repayment schedule, the cooling-off period, the recovery-agent arrangements and grievance contacts. Read it before you accept. Your Key Fact Statement, explained (page not available yet).

7.2 You can exit the loan during the cooling-off period stated in your KFS by repaying the principal and proportionate APR, without a prepayment penalty. Pending confirmation: period set by the Lender's Board. See the cooling-off period.

7.3 Your loan agreement, sanction letter and KFS are sent to you electronically when the loan is executed, and stay available in the app.

8. Default Loss Guarantee (DLG)

8.1 A Default Loss Guarantee is an arrangement under which an LSP or another party agrees to compensate the lender for part of its losses if borrowers default. The RBI (Digital Lending) Directions, 2025 cap such cover and require the party giving it to publish portfolio-level details.

8.2 Rinncrest has no Default Loss Guarantee arrangement with the Lender or any other lender. Pending confirmation: confirm no DLG exists.

9. How your data is handled — summary

9.1 For personal data collected for your loan, the lender is the Data Fiduciary and Rinncrest processes the data as its Data Processor, on its documented instructions. For data you give Rinncrest directly through this website — such as an enquiry form or a pre-application tool — Rinncrest is the Data Fiduciary. Pending confirmation (F-87).

9.2 Data is collected only with your explicit consent, for a stated purpose, and only as much as the purpose needs. A credit-bureau enquiry is made only with your separate consent.

9.3 The app asks for location once at application, uses the camera only for the KYC selfie and liveness check, and lets you upload one file at a time. It does not access contacts, SMS, call logs, photo gallery or media, the list of installed apps, continuous or background location, or a device fingerprint.

9.4 Personal data is stored on servers in India. Pending confirmation: backups, logs, CDN and every vendor India-resident.

9.5 You can withdraw a consent, ask for access or correction, and request deletion, subject to records the law requires to be kept (such as KYC records under the RBI KYC Master Direction and the Prevention of Money-laundering Act, 2002).

Full detail: Privacy Policy, including its sections on consent and app permissions, data retention and service providers · Delete your account and data.

10. Recovery and recovery agents

10.1 If an EMI is missed, Rinncrest contacts you on the lender's behalf as its authorised recovery agent for Rinn loans, using its own staff. The lender names Rinncrest in this role in your loan documents at sanction. Rinncrest does not pass Rinn loans to any outside recovery agency.

10.2 The lender publishes the recovery agents it has engaged, which for Rinn loans is Rinncrest, on its website. Pending confirmation: URL of the lender's published list.

10.3 Every recovery agent must carry identification and the lender's authorisation, may contact you only between 8:00 a.m. and 7:00 p.m., and must follow the lender's Fair Practices Code and RBI's norms on recovery agents. No one acting for the lender may threaten, harass, humiliate or use force against you, or contact your family, friends or colleagues to shame you.

10.4 Settlements are valid only if confirmed in writing by the lender. Payments must only be made to the lender's accounts.

Full detail: Recovery and collection practices (part of our Fair practices, code of conduct and recovery page) · If you miss or expect to miss an EMI.

11. Grievance redressal

11.1 Rinncrest and the lender have each appointed a Grievance Redressal Officer. You can complain to either, and escalate to RBI if a complaint is not resolved.

11.2 Lender's Principal Nodal Officer: Not yet published: name and contact.

11.3 Timelines. Complaints are acknowledged within Pending confirmation: acknowledgement period. working days and resolved within 30 days.

11.4 Escalation to RBI. If your complaint is not resolved within 30 days, is rejected in whole or part, or you are not satisfied with the reply, you can complain to the RBI Ombudsman under the RBI Integrated Ombudsman Scheme, 2021, through the Complaint Management System at cms.rbi.org.in (external site), on toll-free 14448, or by post to the Centralised Receipt and Processing Centre, Reserve Bank of India, Chandigarh. It costs nothing.

11.5 How to complain, step by step: Raise a complaint. The formal policy: Grievance Redressal Policy.

12. Codes and memberships

12.1 Fair practices. Rinncrest follows the lender's Fair Practices Code in every interaction with you, and its own Fair practices, code of conduct and recovery.

12.2 Self-regulatory organisation. Pending confirmation: if Rinncrest is a member of an RBI-recognised self-regulatory organisation for fintechs (such as FACE), state: "Rinncrest is a member of [name., and follows its Code of Conduct ([link])." If not, state: "Rinncrest is not currently a member of an RBI-recognised self-regulatory organisation for the fintech sector."]

13. Certifications

13.1 Rinncrest holds ISO 9001:2015 certification for quality management and ISO/IEC 27001:2022 certification for information security management, for its activities as a Lending Service Provider. Awaiting details: ISO certificate details.

13.2 These certifications concern our management systems. They are not a lending or payments licence, and are not an approval by RBI. See Trust, security and certifications, including information security.

14. Changes to this page and verification

14.1 We review this page at least every quarter, and whenever a lender, a grievance officer, the app or any arrangement described here changes. The "Information last verified" date at the top shows when the details were last checked.

14.2 If anything on this page differs from your Key Fact Statement or loan agreement, the KFS and loan agreement govern your loan — and please tell us at grievance@rinncrest.in so we can correct this page.

15. Contact

Rinncrest Financial Technologies Private Limited · CIN U62099WB2026PTC287520 · 2nd Floor, Flat-2, Shivalik, 42, Prince Anwar Shah Road, Tollygunge, Kolkata 700033, West Bengal

Grievance Redressal Officer: Bipasa Adhikary · grievance@rinncrest.in · +91 82309 07903

Rinncrest and Rinn never ask for an advance fee, OTP, PIN or password. Report suspected fraud on 1930 or cybercrime.gov.in (external site).