PRIVACY POLICY

I have read and agree to Credit Score Terms of Use and hereby appoint REAL WORLD as my authorised representative to receive my credit information from Cibil / Equifax / Experian / CRIF Highmark (bureau).
I hereby unconditionally consent to and instruct bureau to provide my credit information to me and REAL WORLD on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.
By submitting this form, I hereby authorize REAL WORLD to do all of the following in connection with providing me the Services:

    1.Verify my identity and share with Credit bureaus my required personally identifiable information;
    2.Request and receive my Credit report, and credit score from Credit bureaus, including but not limited to a copy of my consumer credit report and score, at any time for (i) a limited period of six months or (ii) till such time the credit information is required to be retained to satisfy the purpose for which it was provided or (iii) until you withdraw your consent to store such Consumer Credit Information whichever is earlier
    3.Retain a copy of my credit information, along with the other information I have given REAL WORLD the access to under this Authorization, for use in accordance with Credit Score Terms of Use, Terms of Use and Privacy Policy.
    4.Share my details with banking partners in order to assist me to rectify and remove negative observations from my credit information report and increase my chances of loan approval in future;
    5.To provide me with customized recommendations and personalized offers via email, text, call or online display of the products and services of REAL WORLD and/or its business partners/ affiliates

2. What Personal Information we gather about you
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The information we learn from customers helps us personalize and continually improve your experience at the Website. Here are the types of information we gather.

    We receive and store any information or document you enter or upload on our Website or give us in any other way, in line with the product or service opted by you and as required by us or our business partners, including your personal information like first name, last name, email address, date of birth, residence city etc.. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features. We neither collect nor store your biometric information.
    We may also have one time access to your camera, microphone, location and mobile device and store such information only for the purpose of onboarding or KYC requirements of us or our Partner with your explicit consent. in accordance with the Digital Lending guidelines issued by RBI and as amended from time to time
    We might receive information about you from other sources and add it to our account information

3. We Collect Cookies
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We receive and store certain types of information whenever you interact with us. For example, like, we use "cookies" and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. A cookie is a piece of datastored on the user's computer tied to information about the user. We may useboth session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. Apersistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Session ID cookies may be used by"Realworld "to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing.

Most browsers will tell you how to prevent your browser from accepting new cookies, how to havethe browser notify you when you receive a new cookie and how to disable cookiesaltogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings orvisiting the website of its manufacturer.

However, because cookies allow you to take advantage of some of the Website’s essential features, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you may not able to use any Website products and services that require you to Sign in

4. How do We Use The Information
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Realworld.co.in collects your information when you register for an account, when you use its products or services, visit its Website's pages. When you register with Realworld.co.in, you are asked for your first name, last name, state and city of residence, email address, date of birth, and sex. Once you register at the Website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMS, notifications about our services to your wireless device. Hence, by registering you authorize the Realworld.co.in (including its business partners and affiliates) to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMS,even if you have registered yourself under DND or DNC or NCPR services. Your authorization shall be valid as long as your account is not deactivated or unless you withdraw your consent Realworld.co.in Website may based on your consent also access your mobile device including camera for the purpose of service facilitation and ease of access to our Website for the various services opted by you and in compliance with applicable laws.
Purpose for collecting information:

    Assist us or our business partners in facilitating and delivering services to you, process payments and your applications, communicate with you about products, services and promotional offers.
    Respond to queries, or requests submitted by you, and resolve your grievances/issues/problems with any services supplied to you.
    Administer or otherwise carry out our obligations in relation to any agreement with our business partners.
    Send you information about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom Realworld.co.in has a tie-up.
    Use your information for internal analysis and to provide you with location-based services, such as advertising, search results, and other personalized content.
    Use this information to improve our platform, prevent or detect fraud or abuses of our Website and enable third parties to carry out technical, logistical or other functions on our behalf.We may combine information we get from you with information about you we get from third parties.
    Send you notices, communications, and recommend services that might be of interest to you update our records and generally maintain your accounts with us, display content and customer reviews.
    When you provide your contact details, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.
    File storage permissions on android/iOS and Website for uploading customer documents are obtained for the purpose of processing customer applications by our Partners.
    Realworld.co.in Website may based on your consent also access your mobile device including camera for the purpose of service facilitation, ease of access and logging in to our Website for the various services opted by you.
    As otherwise provided in this Privacy Policy and in compliance with the applicable laws.


Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website

5. Disclosure to Third Parties
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Realworld.co.in  will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to third parties including our group Company, employees, agents, business partner (Banks/NBFCs),CICs, Payment Aggregator and Service Providers we have a tie up with and any of our affiliates, for the purposes as set out in this Privacy Policy.

These third parties are required to handle your information using the same level of care and confidentiality as is followed by Realworld.co.in  and any accessing or processing of your information by these third parties is in accordance with contractual terms, applicable laws and our instructions and subject to your consent. For the purposes of this paragraph, “Affiliate” shall mean, as to any Person, any other Person that, directly or indirectly, controls, or is controlled by, or is under common control with, such Person. (The term “control” (including, with its correlative meanings, “controlled by” and “under common control with”) shall mean the possession, directly or indirectly, of the power to direct or cause the direction of management or policies of a Person, whether through the ownership of securities or partnership or other ownership interests, by Contract or otherwise. The term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity).

Realworld.co.in  may also share, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of Realworld.co.in  business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity

We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your Account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services and we require such third parties to maintain the confidentiality of the information we provide to them,under our contracts with them.

We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law.

There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. Realworld.co.in is not responsible for their privacy policies.We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services. Realworld.co.in  holds no responsibility for the content of the privacy policies or terms of use etc. of these third party websites

If you are investing in our mutual fund product through our Mobile App, then you agree to the following disclosure:

“Realworld.co.in's use and transfer to any other app of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.Realworld.co.in  app helps in tracking the performance of mutual fund investments, that may have been done via multiple channels/platforms over time, which can be otherwise cumbersome for consumers. Here, the basic consumer need is to be able to see and monitor all mutual fund investments together at one place.

To be able to provide this, post customer consent, the Realworld.co.in Website reads only the Mutual Fund CAS email statement (that includes details of all MF investments) received by the investor/customer every month and provides customers with a complete and comprehensive mutual fund dashboard on a single screen. This not only offers an enhanced consumer experience but helps them check, track and compare all active mutual fund investments together at one place, enabling informed financial decisions

6. Data Storage
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realworld.co.in stores your personal information only at servers located in India. realworld.co.in may retain your credit report, and credit score from Credit bureaus, including but not limited to a copy of your consumer credit report including credit score, at any time for (i) a limited period of six months or (ii) till such time the credit information is required to be retained to satisfy the purpose for which it was provided or (iii) until you withdraw your consent to store such Consumer Credit Information. For more details, kindly refer Credit Report Terms of Use

Basic identification details of our customers are retained perpetually for meeting the servicing requirements of our customers. Any other information is retained for the period for which the same is required to provide the services to you as mandated in our arrangements with our business partners unless consent is withdrawn by you. Retention of information is done as per this policy in compliance with applicable law/regulatory requirements in India.

In following situation, realworld.co.in may retain your information for an extended period (i) in case of requirement of any investigations under law or as part of any requirements before courts/tribunals/forums/commissions etc; (ii) to enhance/improve our products/services and (iii) as required under contractual arrangements with business partners

7. Revocation of Consent
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If you feel that we do not require the retention of your personal information or if you ask us to delete or remove your personal data where you think we do not have the right to process it we shall destroy or delete such Customer information. You may, at any time while availing of our Services or otherwise, withdraw the consent given earlier to us to collect and use your sensitive personal data or information by writing to us at info@realworld.co.in . However, in the case of you withdrawing such consent, realworld.co.in  shall have the option to stop providing you the Services for which the information was sought. You will not be eligible for a refund of any fees paid for any service in such event and you agree that the Website shall not be liable to you for the same in any manner whatsoever.

The data may be required to be retained for the purpose of Product servicing, repayment etc. by us and/or our Partners and also as required under any applicable laws. We assure that such retained information shall be protected following all cyber security norms.

This Privacy Policy was last updated on: 22 jan 2024

For Grievance redressal  (GRO  contact us -9724771729 , Email address - Realworldindustry@gmail.com)

Our Lending Partner - www.ltfs.com

https://sachet.rbi.org.in/

Customer Complain Number - 9724771729 .

For more information or any Other Complain , Email Us On - realworldindustry@gmail.com