1. Introduction

Runamarga respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, services, or interact with us.

By using our website or services, you agree to the collection and use of information in accordance with this policy.

2. Definitions

• Personal Data / Personal Information: Any information relating to an identified or identifiable natural person.
• Usage Data: Information collected automatically (e.g., IP address, browser type, time of visit).
• Service Providers / Third Parties: Entities contracted by Runamarga to perform services such as analytics, hosting, or payment processing.

3. What Information We Collect

We collect information both directly from you and automatically through your interaction with our site.

a) Information You Provide

• Name, email address, phone number, postal address
• Financial information (e.g., bank account number, loan application data)
• Documents you submit (e.g., identity proofs, income proofs)
• Login credentials & account information
• Communication content (emails, support tickets, chat messages)

b) Usage and Technical Information (Automatically Collected)

• IP address, browser type & version, device type, OS
• Visited pages, timestamps, clicks, referring URLs
• Cookies, tracking pixels, user-agent strings

4. Purposes of Processing / Use of Information

• Providing, operating, and maintaining our services
• Verifying your identity and eligibility
• Processing financial or loan applications
• Communicating updates, notifications, and support
• Marketing and promotional communications (with consent)
• Fraud detection, compliance, and security
• Analytics and performance improvement
• Legal and regulatory obligations

5. Legal Basis for Processing

• Your consent
• Performance of a contract
• Legal obligation
• Legitimate interests (e.g., service improvement, fraud prevention)

6. Disclosure of Information / Sharing

We may share your data with:

• Service providers (e.g., analytics, payment gateways, KYC verification)
• Banks, financial institutions, and lending partners
• Law enforcement or regulators when required by law
• Affiliates, subsidiaries, or successors (e.g., in mergers or acquisitions)

All third parties are contractually obligated to maintain confidentiality and safeguard your data.

7. Data Storage & Retention

We retain your data only as long as necessary or as required by law. Once no longer needed, data is securely deleted or anonymized. Data may be stored on servers located in India or other jurisdictions with appropriate safeguards.

8. Security

We use appropriate technical, administrative, and physical measures to protect data. However, no system is completely secure, and we cannot guarantee absolute protection.

9. Cookies & Tracking

We use cookies and similar technologies to enhance user experience, remember preferences, and analyze trends. You can disable cookies in your browser, but some features may not function properly.

10. Your Rights

You may have the right to:

• Access, correct, or update your data
• Request deletion (“Right to be forgotten”)
• Restrict or object to processing
• Request data portability
• Withdraw consent (if processing is based on consent)

To exercise these rights, contact us via email. We may verify your identity before acting on your request.

11. Children

We do not knowingly collect data from minors under 18. If such data is inadvertently collected, we will promptly delete it.

12. Changes to the Privacy Policy

We may update this Privacy Policy periodically. Material changes will be notified via our website or email. Please review this policy occasionally.

13. Contact Us

Email: runamarga1@gmail.com
Postal Address: Kannada Kasturi Rd, near Post Office, Maheshwari Nagar, Dasarahalli, Bengaluru, Karnataka, 560057