Privacy Policy


We, Respo Financial Capital Private Limited (“Respo”; “We”; “Us”; “Our”; ), are a private limited company duly incorporated under the provisions of the Companies Act, 2013, bearing CIN U65990MH2021PTC373655 and having our registered office address at 2nd Floor, Dyna Business Park, Street No. 1, MIDC, Andheri (East), Mumbai, Maharashtra, India 400093. Respo is offering/ intends to offer loans/ credit facilities to customers/ borrower (“You”, “Your”), through, mobile applications, including on the mobile application called Zype (developed by Easy Platform Services Private Limited) and other websites.

This privacy policy (“Policy”) discloses the practices and policies adopted by Respo for accessing, collecting, storing, retrieving, disclosing, transferring or using information it may receive from You while accessing/ using (“Website”) and any other websites/ mobile applications including but not limited to mobile based Android/iOS and other facilities/ any other communication channels of Respo (hereinafter, collectively referred to as “Platform(s)”) for the purposes of providing loans/ credit facilities to the customers/ borrowers (“Services”). Capitalised terms used but not otherwise defined in this Policy will have the meaning as set out in Respo’s Terms and Conditions.

This Policy is published in accordance with the applicable provisions of law, including the Information Technology Act, 2000 (“IT Act”) and the rules made thereunder and the Guidelines on Digital Lending issued by the Reserve Bank of India dated September 2, 2022 (“DLG”). We request You to go through this Policy and the Terms and Conditions carefully before You decide to access/ use the Platforms. Please note that Respo reserves the right in its sole discretion to remove any content or data, information or material it shares on the Platforms, from time to time.

The information received from You while accessing Platforms for receiving the Services, will be utilised in a manner as set out in this Policy.


To register as a user on the Platform, You will be required to provide Us with information about You, including Your name, mobile number, e-mail address, and such other information as may be required by Us (“Collected Information”). The Platform may access, collect, store, use, disclose or transfer the information required to provide You with customized services and You have explicitly consented to the same.

Please note that We may require You to share further information, at a later date, to confirm the veracity of Your Collected Information or pursuant to any additional features added to the Platforms or for compliance with applicable law.

All the information that You provide to Us is voluntary, including Your sensitive personal information. You understand that We may use the Collected Information, including such Collected Information which may be designated as ‘sensitive personal data or information’ under the IT Act and the rules made thereunder, for the purpose of providing You the Services in accordance with the terms of this Policy. We shall use the Collected Information, in a way that is compatible with and relevant for the purpose for which it was collected, as set out in this Policy, or authorized by You.

If You are no longer interested in sharing the Collected Information, please e-mail Your request at: [email protected] . Please note that it may take about 72 (seventy-two) business hours to process Your request. Further, please note that there might be latency in deleting/ forgetting the Collected Information from Our servers and certain backed-up versions might exist even after deletion.

Notwithstanding anything contained herein, please note that Respo will continue to retain Collected Information provided by You (a) until You specifically request Respo to destroy such Collected Information or (b) for as long as Your registration with Us is valid and the outstanding amount(s) in respect of the loan(s) availed by You are due and payable to Us or (c) for such period as may be necessary to comply with applicable laws or (d) till final settlement/ outcome of any disputes with You or the Us or (e) to enforce/ exercise Our rights under the contract/ agreements entered into between Us and You.


We may share Collected Information with third parties, to employ other companies and individuals, call centres, payment gateways, banks to perform functions on Our behalf. Examples include delivering e-mail, analysing data, providing marketing assistance, providing search results and links (including paid listings and links) and providing customer service .They have access to Collected Information needed to perform their functions but may not use it for other purposes. Further, they must process the Collected Information in accordance with this Policy and as permitted by applicable law.

To clarify, Respo may disclose Your Collected Information, without obtaining Your prior consent, in the following cases:

  1. in the event it is required to do so by law, rule, regulation, governmental, legal or regulatory authorities and statutory bodies, who have appropriate authorisation to access the same for any specific legal purposes;
  2. for compliance with any judgment or decree or order issued under any law for the time being in force in India, or any judgment or order relating to claims of a contractual or civil nature under any law for the time being in force outside India;
  3. if agreed by You under the contract entered into between You and Respo;
  4. any other purposes which may be required for the purposes set out under this Policy.

Any third party to whom such Collected Information is divulged, shall subject to a duty of confidentiality, and will be required to comply with and take appropriate security measures to protect Your Collected Information, in line with this Policy.

We respect that You may not want the Collected Information to be shared with other companies. However, We may disclose Your Collected Information to third parties such as partner banks, non-banking financial companies/financing partners, payment gateways, authorized service providers, payment transaction processors, and law enforcement agencies, if We are required by law to do or if it is to help investigate, prevent or take action regarding unlawful and illegal activities; suspected fraud, potential threat to the safety or security of any person, or as a defense against legal claims. We will keep Your Collected Information confidential and limit access to it to those who specifically need it to conduct their business activities, except as otherwise permitted by applicable law.

This Policy only addresses the use and disclosure of information We collect from You on the Platforms. Other websites/apps that may be accessible through the Platforms have their own privacy policies and data collection, use and disclosure practices. If You link to any such website/ app, We urge You to review such website′s/ app’s privacy policy. We are not responsible for the policies or practices of third parties.

Any Collected Information will be used but not limited to allow You to login to Your account or to resolve specific service issues, inform You of Our new services or features, or to communicate with You in relation to Your use of the Platforms. Any other information We collect will be used for-

  1. Our business purposes and this may include the viewing or advertising of services or relating to any associated services;
  2. Analytical purposes, data usage;
  3. Improving the Platforms, or Your user experience; and
  4. Providing targeted advertisements to You.

We will share Your Collected Information internally with those staff members of Respo who need it to carry out Your instructions regarding the receipt of marketing information. We will not disclose Your Collected Information to any third party unless required to do so by law and/or covered under this Policy.

For those users who have registered for the mailing list, their Collected Information is kept until We are notified that they no longer want their information stored.

Persons who supply Us with their telephone numbers may receive communication from Us via telephone, text message, WhatsApp,  emails or any other channels, pertaining exclusively to new services or any upcoming events. If You do not wish to be on Our mailing list, You can let Us know of Your updated preferences by either emailing Us at [email protected] or choosing “unsubscribe” option or the prescribed option.

In order to provide and improve Our Services and to share relevant ads with You, We use and disclose to Our advertising and analytics partners non- personally identifiable information that We collect, including cookie data, some log data, and other data.

Our App complies fully with all the applicable laws of India.


We may set cookies to track Your use of the Platforms. These are used to enhance Your experience while accessing Our Platforms. We use cookies to help Us identify who Your are, so Your login experience is smooth each time. Cookies also allows Us to collect non-personally identifiable information from You, like which pages You visited and what links You click on. Use of this information helps Us to create a more user-friendly experience for all visitors.

Please note that if You decline or delete these cookies, it may affect the Services provided by Us.


We may use third party advertisers to display advertisements on Our Platforms. These third-party websites/ advertisers/ internet advertising companies, sometimes use technology to send or provide data that appears on the Platforms. They automatically receive Your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize content, for which We are not responsible, including in respect of the advertisement, information or content contained therein or the privacy practices employed by them. Please contact them directly for more information about their privacy policies and practices.


You can access Your personal identity details/ information on Our Platforms through Your login credential. We recommend that You do not share Your log-in credentials with anyone. Your Collected Information is stored on a secure server located in India, that only selected personnel contractors and authorised agencies have access to. We encrypt certain Collected Information using Secure Socket Layer technology to ensure that such Collected Information is safe, as it is transmitted to Us.

Notwithstanding the aforesaid, You understand and accept no data/ information transmission over the internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that You transmit to Us and You do so at Your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and We take no liabilities or responsibilities for it. 


As We continue to develop Our Services and business, We might sell/ transfer Our business units. In such transactions, Collected Information is generally is one of the transferred business assets, but remains subject to the terms of the pre-existing policy(ies).


The authenticity and accuracy of the Collected Information, submitted by You, is Your responsibility. You are responsible for maintaining the secrecy, authenticity and accuracy of Your password, email address, and Collected Information submitted by You, at all times. Respo relies on You to disclose to it all relevant and accurate Collected Information submitted by You, and to inform Respo of any changes in respect of the Collected Information submitted by You. If you wish to make a request to correct or update any of the Collected Information submitted by You, You may submit Your request via email at [email protected].


We value Your online privacy and security while browsing through the Platforms. We make every effort to ensure that the Collected Information submitted or provided by You will not be misused. Our security measures and practices are in compliance with applicable laws. Notwithstanding the aforesaid, We cannot absolutely guarantee the protection of the Collected Information submitted by You.


We make all Collected Information accessible to Our employees, agents or partners and third parties only on a need-to-know basis and if necessary for the performance of the lawful contract between You and Respo, in a way that is compatible with and relevant for the purpose for which it was collected or authorised by You. The Collected Information may be transferred to any destination within and/ or outside India, to the extent permitted as per applicable law in force. Respo will take such steps as it considers necessary to ensure that Your Collected Information is treated securely and in accordance with this Policy. Notwithstanding the above, We are not responsible for the confidentiality, security or distribution of the Collected Information by Our employees, partners, agents and third parties outside the scope of Our agreement/ contract with such employees, partners, agents and third parties. Further, We shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond Our reasonable control including computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of internet service or telephone service of the user etc.


If You have any questions or suggestions, You can contact Us at [email protected] or write to Us at the following address:

  1. Principal Officer

Respo Financial Capital Private Limited

2nd Floor,Dyna Business Park,Street No 1, MIDC,Andheri(East) Mumbai-400093

  1. Grievance Redressal Mechanism

If You have any complaints under this Policy or under the IT Act and the rules made thereunder, the DLG or any FinTech/ digital lending related complaints/issues, You can reach out to Us by following the procedure listed out under Our grievance redressal mechanism .


In the event of any dispute, difference or claim arising out of this Policy the same shall be settled in accordance with the laws of India through regular judicial process and the courts of Mumbai, India shall have exclusive jurisdiction.


We keep the Policy under regular review and may update the same to reflect changes to Our privacy procedures and practices. We encourage You to periodically review this Policy for the latest information on Our privacy procedures and practices. Your continued use and accessing of Our Platforms will be taken as Your acceptance of this Policy or any updated version of this Policy.

By having consented to the terms of this Policy, You hereby provide express consent to Respo to access, collect, share, transfer, store, retain, transfer or use the Collected Information in accordance with the terms of the Policy.