Refund & Cancellation Policy - Refunds will be processed as per the internal policy of RTMT Credit Services Nidhi limited. In all matters concerning cancellation and refund, RTMT Credit shall have the deciding hand. Please read the Terms and Conditions of use before accessing or using this website. By accessing or using this site, you agree to be bound, without limitation or qualification, by these terms and conditions of use. If you do not accept any of the terms and conditions stated herein, please do not use this site. RTMT Credit may, in its sole discretion, modify or revise these terms and conditions at any time by updating this web page. You are bound by any such modification or revision. You may also read the Privacy Policy before using this site. rtmtcredit.com Refund & Cancellation Policy - Refunds will be processed as per the internal policy of RTMT Credit Services Nidhi limited. In all matters concerning cancellation and refund, RTMT Credit shall have the deciding hand. Please read the Terms and Conditions of use before accessing or using this website. By accessing or using this site, you agree to be bound, without limitation or qualification, by these terms and conditions of use. If you do not accept any of the terms and conditions stated herein, please do not use this site. RTMT Credit may, in its sole discretion, modify or revise these terms and conditions at any time by updating this web page. You are bound by any such modification or revision. You may also read the Privacy Policy before using this site. rtmtcredit.com

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Legal Jurisdiction - The courts in Guwahati alone will have exclusive jurisdiction in relation to all disputes which may arise out of or in connection with the use of the website. The interpretation of these terms and conditions shall be construed in accordance with and governed by the laws of Union of India without giving effect to conflict of laws provision.

PRIVACY POLICY

1. Introduction
Last updated on 15/01/2023. Throughout this document, the terms “we”, “us”, “our”, “ours” “RTMT Credit Services Nidhi limited” And the terms “you”, “your” & “yours” refer to You (the individual whose Personal Data we are referring to). Your Privacy is of paramount importance to us. We are committed to safeguarding your privacy and protecting your Personal Data with us. This Privacy Policy outlines the details of the Personal Data we collect and process, how we handle it and the purposes for which we use it. Please read the following carefully to understand our practices regarding your Personal Data. Personal Data means any data about an individual who is identifiable by or in relation to such data.

2. What Personal Data Do We Collect, Store and Process?
Categories of Personal Data that we collect, store and process include: i. Demographic, Identity & Contact Data (for e.g., name, last name, date of birth, email address, father’s name, mother’s name, address proof, contact number, language, occupation, state, physical address with pin code, age, nationality, spouse name, marital status, gender, religion, caste) ii. Authentication Data (for e.g., signature proof) iii. Personal Identification Documents (for e.g., PAN card, voter ID, passport, Aadhaar card, GSTIN, driving licence, ration card, etc.) iv. Financial Account Details (for e.g., bank account number, bank IFSC code, bank statement and loan ID number, data received from Credit Bureaus, income, proof of income (including salary slip or form 16 or ITR with computation of income) v. Educational & Professional Data (for e.g., employer data, resume, basic qualification, educational qualification, experience) vi. RTMT Credit Services Nidhi Limited, Employee Health Data (for e.g., medical reports, blood group, height, weight) vii. Online Identifiers and other Technical Data (for e.g., IP address, browser type, device identifiers, access time) viii. Device Information (for e.g., your storage, hardware model, operating system and version, unique device identifier, mobile network information, and information about the device’s interaction with our services) ix. Personal Data collected via Permissions on our Mobile Application (for e.g., camera, contacts, location data, storage, photos, SMS) x. Communications details (for e.g., mobile number, emails, contact lists) xi. Generated Data (for e.g., logs, transaction records) xii. Testimonials that may contain some Personal Data. (for e.g., full name, city)

3. How and Where Do We Collect Your Personal Data From?
We collect your Personal Data in the following ways: i. When you visit our website or social media pages (like Facebook, LinkedIn, Instagram) and fill in the registration form and use the “contact us” facility. ii. When you use our mobile application. iii. When you interact with us via our websites or use services on our websites including customer support. iv. When you interact with us via our WhatsApp account. v. When you interact with our sourcing partners and express interest in our products. vi. When you provide us data during our marketing vii. When your data is provided to us through a referral. viii. When you apply for a job at RTMT Credit Services Nidhi Limited via our Careers page. ix. When data is provided by third parties. (for e.g., credit history from the credit bureaus) x. When we perform loan sourcing. xi. When you reach out to us on our customer service contact numbers. xii. When you send us your latest KYC documents as part of KYC Directions issued by ROC. xiii. When you interact with us on any other digital or offline channel not listed above. xiv. We also collect data through various API integrations like, Account Aggregators, References.

4. How Do We Use Your Personal Data?
We use your Personal Data for the following purposes: A. When you opt for a loan or EMI on purchase of a product at a sales outlet and provide your information to our empanelled Employee. B. If you express an interest in our services, either online or at a physical outlet, we collect and share your Personal Data with our empanelled Employee, who in turn would contact you to provide more details on the loan. C. If you are an existing customer or want to apply for a loan through our website we collect your Personal Data for the following purposes: i. to authenticate your account or information on our application that you use. ii. to process your loan application efficiently. iii. to perform risk assessment, detect and prevent fraud prior to arriving at a decision for providing a loan. iv. to deliver the information and support you request, including technical notices, security alerts, support and administrative messages. v. to communicate with you regarding existing products and services availed by you, including notifications of any alerts or updates. vi. to evaluate, develop and improve our services. vii. for market and product analysis and market research. viii. to send you information about our other products or services which may be of interest to you. ix. to obtain feedback and handle enquiries and complaints. x. to comply with legal or regulatory requirements. xi. to reach out to you for repayment reminders. xii. to reach out to you to resolve your grievances. xiii. to manage your existing loan accounts and to update you on the loan servicing. D. If you are an Authorised Employee, we collect your Personal Data for onboarding and payment purposes. To direct Bank account (Customer Address Here & Bank Passbook) E. If you are a visitor to our website or social media pages, we process your Personal Data to optimize your experience, customize content and track digital footprint. F. If you are a prospective employee, we collect your Personal Data for employment evaluation purposes. G. We may also record any communications between you and us including telephone calls. We will use these recordings to check your instructions to us, for identification, investigation, regulatory, fraud prevention, training and quality purposes and to analyse, assess and improve our services. H. For security and to prevent and detect crime we may use CCTV in and around our premises to monitor and collect images or voice recordings (or both). I. We also use your Personal Data for marketing and promotional campaigns. J. We may also receive your Personal Data via Lending Service Providers. For further information on all the Lending Service Providers engaged by us along with the purpose for which they are engaged, please click on the link Digital Lending Partners Engaged by RTMT credit Services Nidhi Limited.

5. Who Do We Share Your Personal Data With?
We may disclose your Personal Data to: i. Our Parent Company for business and operational purposes. ii. Our Affiliates or Group Companies. iii. Our Sourcing Partners. iv. Credit Bureaus for loan eligibility, underwriting and submission post disbursement as per NIDHI RULES (will Process to RBI). v. Third Party Service Providers who work for us or provide services or products to us. vi. Our Partners. vii. Rating Agencies. We may also share your Personal Data under the following circumstances: i. To respond to court orders, or legal process, or to establish our legal rights or defend against legal claims. ii. If RTMT Credit Services Nidhi Limited is acquired by or merged with another company. iii. For transfer of loan exposures as per RBI Guidelines. iv. With lenders as part of borrowing conditions.

6. International Data Transfer Our data centers are located in India. Any Personal Data that we transfer will be protected in accordance with this Privacy Policy. 7. How Do We Secure Your Personal Data?
We are committed to protecting your Personal Data in our custody. We take reasonable steps to ensure that appropriate physical, technical and managerial safeguards are in place to protect your Personal Data from unauthorized access, alteration, transmission, and deletion. We train our employees about the importance of maintaining the privacy and security of your Personal Data. We ensure that the third parties with whom we share your Personal Data are under appropriate contracts and we take appropriate security measures to protect your Personal Data in line with our policies.

8. How Long Do We Keep Your Personal Data?
We retain your Personal Data for as long as it is required to fulfil the purposes outlined in this Privacy Policy and for legal or regulatory reasons.

9. How Do We Use Cookies and other Tracking Mechanisms?
We use cookies and other tracking mechanisms on our website to collect data about you. We use the data collected from cookies and trackers to analyze trends and statistics. This will help us optimize and customize your website experience and to provide better website functionalities and personalized experience to you. We collect Personal Data about you via Mobile Application using permissions such as camera, contacts/telephone, coarse (network-based) location, fine (GPS) location, list of accounts, external storage contents, photo, SMS, etc. Your iOS and Android devices will notify you of the permissions that our app seeks and will provide you an option to consent to or refuse the permission. We use the data obtained through permissions to provide the functionalities through the website. We have also embedded certain trackers in our website for the purpose of credit underwriting and providing functionalities through the website.

10. On What Basis Do We Process Your Personal Data?
We process your Personal Data by relying on one or more of the following basis: i. You have consented to us processing your Personal Data for specified reasons. ii. The processing is necessary for compliance with a legal obligation we may have towards other stakeholders like law enforcement agencies, government agencies, regulators, etc. iii. The processing required for employment purposes. iv. The processing required to fulfil our reasonable purposes. (for e.g., credit scoring, recovery of debt, prevention and detection of any unlawful activity including fraud, to evaluate, develop and improve our products and services) v. The processing is required to meet our contractual obligation under the agreement executed with you and consent for the same is provided by you under such agreement.

11. What Are Your Rights Relating to Your Personal Data?
You have certain rights regarding your Personal Data that is with us, and we commit to provide you with them. We have provided a list of your rights, although please note that they may not always apply in every case. i. Right to Information: You have the right to get confirmation and a summary of your Personal Data that is with us along with other supporting information as well as identities of all the third parties with whom your Personal Data has been shared. ii. Right to Correction: You have the right to ask us to rectify your Personal Data that is with us that you think is inaccurate. You also have the right to ask us to update your Personal Data that you think is incomplete or out-of-date. iii. Right to Erasure: You have the right to ask us to erase your Personal Data that is with us under certain circumstances. iv. Right of Grievance Redressal: You have the right to lodge a complaint with the Data Protection Board in case you do not receive a response from us within 7 days. v. Right to Nominate: You have the right to nominate a person who would act on your behalf in case of death or incapacitation. vi. Right to Restrict Disclosure to Third Parties: You have the right to ask us to restrict the disclosure of your Personal Data to Third Parties under certain circumstances. Where the processing is based on your consent, you have the option to revoke your consent at any point in time. Upon receipt of your request to revoke your consent, the consequences of revocation will be communicated to you. In many cases, upon such a revocation, we may not be able to continue offering our products and services to you. Under an ongoing contractual relation between us, revocation of consent can be affected upon only on fulfillment of all your contractual obligations in relation thereto the original consent has been provided for. You may revoke your consent by contacting us using the details specified in the ‘Contact Us’ section. If you wish to make a request to exercise any of your rights , to raise any concerns about our privacy practices, or to obtain other privacy related information, you can get in touch with us a using details specified in the ‘Contact Us’ section. However, if you are an existing or past customer of RTMT Credit Services Nidhi Limited, we would not be in a position to delete such of your Personal Data from our systems for such minimum period after the closure of contractual obligation as we are legally obliged to retain as provided under applicable laws and regulations. Also, if any such Personal Data is required to be retained for the purpose of any ongoing litigation, then till the time of closure of such litigation.

12. Links to Other Websites
Our website may contain links to websites of other organizations. This Privacy Policy does not cover how those organization processes Personal Data. We encourage you to read the Privacy Policy of the other websites you visit.

13. How Do We Keep This Policy Up to Date?
We regularly review and update our Privacy Policy to ensure it is up-to-date and accurate. Any changes we may make to this Privacy Policy in the future will be posted on this page. When we post changes to this Privacy Policy, we will revise the “last updated” date.

14. How Can You Contact Us?
For any further queries and complaints related to privacy, you reach out to us by writing to us at the following address: Grievance Redressal Officer (Mr. RUHUL AMIN) support@rtmtcredit.com RTMT Credit Services nidhi Limited No 29, Gunialguri,kalgachia dist- Barpeta assam Opposite Jame mosjid Gunialguri Assam - 781319

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Corporate Office • RTMT CREDIT SERVICES NIDHI LIMITED GUNIAL GURI PS KALGACHIA DIST- BARPETA ASSAM KALGACHIA Road, ASSAM BARPETA , BARPETA - 781319 • helpdesk@rtmtcredit.com • Customer Care / Helpline For Existing Customers:7002230783/7002160187 • For Enquiry On A New Loan:8638411717

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