Privacy Policy

About This App and Our Commitment

RupeeEdge is a personal finance application developed and operated by HEATECH INDUCTION PRIVATE LIMITED. Our app is designed to help users in India check their credit scores, understand their credit reports, evaluate borrowing capacity, and calculate EMIs — all in one secure and accessible place.

We are deeply committed to protecting your privacy. This Privacy Policy explains what information we collect when you use RupeeEdge, why we collect it, how it is stored and protected, and the rights you hold over your personal data. By using our application, you agree to the practices described in this policy.

We encourage you to read this document carefully. If you have any questions or concerns, please reach out to us at help@heatechin.com.

What Information We Collect and Why

To deliver accurate credit scores and financial health insights, RupeeEdge may request access to certain device data. Below is a transparent breakdown of each type of data, why it is requested, and how it is used.

How We Store and Protect Your Information

All data collected by RupeeEdge is stored on secure, access-controlled servers located in India, in compliance with applicable data localization requirements. We implement multiple layers of security to safeguard your information:

• 🔒 All data in transit is protected using TLS 1.2 or higher encryption.
• 🛡️ Data at rest is encrypted using AES-256 encryption standards.
• 🔑 Access to user data within our organization is strictly role-based — only authorized personnel with a legitimate need can access sensitive information.
• 📋 We conduct regular internal security audits and vulnerability assessments to proactively identify and address potential risks.

We retain your personal data only for as long as is necessary to provide our services or as required by law. When your data is no longer needed, it is securely deleted or anonymized.

How We Use Your Information

The information we collect is used exclusively to operate and improve the RupeeEdge service. Specifically, your data may be used to:

• ✅ Retrieve and display your credit score and full credit report from authorized credit bureaus.
• ✅ Analyze your financial health and provide personalized insights on your borrowing capacity.
• ✅ Power the EMI calculator with accurate, up-to-date financial data.
• ✅ Verify your identity in compliance with KYC and anti-fraud regulations.
• ✅ Send important app notifications, service alerts, and security warnings.
• ✅ Improve our algorithms and feature offerings based on anonymized, aggregated usage data.

We do not sell, rent, or trade your personal information to any third party for marketing purposes. Any sharing of data with credit bureaus or verification partners is done strictly to fulfil the service you have requested.

Our Security Approach

Security is not an afterthought at RupeeEdge — it is the foundation of everything we build. Our engineering and operations teams follow a "security-first" development philosophy that includes:

• 🧪 Continuous automated security testing integrated into our development pipeline.
• 🚨 Real-time anomaly detection and intrusion monitoring on all production systems.
• 🔁 Regular third-party penetration testing to identify and fix vulnerabilities before they can be exploited.
• 📱 Two-factor authentication (2FA) support to protect your account from unauthorized access.
• 🗂️ Data minimization principles — we only collect what we genuinely need, and nothing more.

In the unlikely event of a data breach, we commit to notifying affected users within 72 hours of becoming aware, in accordance with applicable regulations.

Your Privacy Rights

We respect your rights over your personal data. As a RupeeEdge user, you are entitled to the following:

To exercise any of these rights, please email us at help@heatechin.com. We will respond to all legitimate requests promptly.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will notify you via the app and update the "Last Updated" date at the top of this document.

We encourage you to review this policy periodically to stay informed about how we are protecting your information. Continued use of the RupeeEdge app following any update constitutes your acceptance of the revised policy.

If you disagree with any changes, you may discontinue use of the app and request deletion of your data as outlined in Section 6.

How to Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact our Privacy Team:

We are committed to resolving any privacy-related concerns in a timely and transparent manner.