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Privacy Policy & Term Conditions

    Introduction:


  • At ritscapital.in we ask for and use your personal information and are committed to keep this information secure. This policy talks about why we ask for personal information and how we keep it secure. Please note that during the course of your relationship with the ritscapital.in you will be given more of such information
  • We request you to please consider it carefully. We also request you to review our privacy policy from time to time because your use of our products and services provided on this website implies your acceptance of the prevailing Privacy Policy. If you do not agree with this privacy policy in its entirety, you must not use this website or products and/or services provided on it. this privacy policy, the following terms have the meanings set out below:
  • "ritscapital.in", "we", "us", and "our" means ritscapital.in which owns and operates the website, www.ritscapital.in ("Website").
  • "You" and "your" means a user of the website and the products and services provided via it.

    • Information we collect from you


  • Information about you when you register or when you use our Website / App;
  • Personal and financial information like your name, Email, Phone No, address, Loan amount, Loan type etc.
  • Credit related information that is collected from other sources like the credit bureau;
  • Information about your transaction history like spend data, through our app. etc.
  • Your unique identifiers such as username and password, preferences information and transaction history;
  • Information collected through Facebook, Twitter, Linkedin or other social media accounts of the Users which have been linked to the account on the Website.

    • The information we collect about you will depend on the products and services we offer, on an ongoing basis. If you do not allow us to collect all the information we request, we may not be able to deliver all of these services effectively.


    How we will use this information:


    We may use the information provided by you in the following ways, viz:

  • To establish identity and assess applications;
  • Monitor, improve and administer our Website;
  • Design our products, , offer our products and services, manage our risks including the risk of fraud;
  • Analyze how the Website is used, diagnose service or technical problems and maintain security;
  • Manage our relationship with you, or get in touch with you to send communications, notifications, information, or process queries and applications that you have made and/or inform you about other products or services we think you might find of some use;
  • Improve our business for us and our customer;
  • Comply with country laws and regulations;
  • To capture the user information given in the application forms and other such information uploaded on our website by you such as KYC documentation, bank slips and credit information,;
  • Share the information with multiple financial institutions and other lenders for customization of offers and provision of services;
  • Share the documents uploaded by the User with other users for availing the services as set out in the terms and conditions.
  • Use this information in other ways permitted by law. We will take utmost care to ensure that your personal information is not shared with the public and that your transactions on the Website are confidential. If we use any third parties for any of these transactions we will also make sure that confidentiality is maintained.

    • We may also provide personal information about our customers to other organizations such as our channel partners and affiliates. We will ensure that any personal information we disclose to them is only used for the specific task we ask them to perform.


    Cookies


  • Cookies are small data files that a website stores on your computer. We will use cookies on our Website similar to other lending websites and online marketplace websites. Use of this information helps us identify you in order to make our web portal more user friendly. We might also use this information to display advertising from third party companies. Most browsers will let you decline cookies but if you choose to do this it might affect service on some parts of our website.
  • We might also use other technology to track how you interact with our portal and employ some third party agencies to use the data on our behalf.

    • Information security


  • We store and process your personal information on AWS servers. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption using SSL, and information access authorization controls.
  • However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Website and data bases or other acts of third parties, or acts or omissions beyond our reasonable control and you shall not be entitled to hold ritscapital.in responsible for any breach of security.

    • Third party websites


  • With this policy we’re only addressing the disclosure and use of data collected by us. If you visit any websites through the links on the ritscapital.in Website please ensure you go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this policy and ritscapital.in does not have control over any of their policies.
  • We might post your data on various pages of our Website that will be visible to people other than registered users. If you wish to not have your information shared please let us know at info@ritscapital.in
  • If it so happens that ritscapital.in is part of a merger, acquisition or amalgamation, your data might be part of the deal with that third party and will be transferred to them.

    • Disclosure


  • During the course of operations and our relationship with you we might disclose your information to third parties associated with ritscapital.in and the government and other judicial bodies mandated by the law and in order to comply with legal obligations.
  • If you have any questions or concerns about our privacy policy please contact us at info@ritscapital.in and we will be happy to assist you.

    • ritscapital.in All rights reserved.

About RITS Capital

At RITS Capital, we are committed to unlocking financial empowerment as the foundation for a brighter future. Since 2018, we have been devoted to delivering comprehensive financial solutions that enable individuals and businesses to reach their goals with confidence.

Our Mission

Our mission is to be a dependable partner in our customers' financial journeys, providing innovative and reliable financial products and services. We aim to deliver lasting value to our customers, employees, and stakeholders while making a positive impact on the communities we serve.

What Peoples Says About Us

Calculation & Most Important T&C

Loan Calculations

For example, if you take a loan of Rs. 4.5 lakhs at the rate of 15.5% with repayment tenure of 3 years, your EMI will be Rs. 15,710. The total payable amount at the end of 3 years would be Rs. 5,65,553. Therefore, you are paying total interest amount to the tune of Rs 115,553. This, however, excludes other applicable charges which can be quantified as under:

Loan Processing Charge@2% = Rs.9000

Documentation charges = Rs. 500

Amortization Schedule charges = Rs. 200

In case of change of payment mode or swapping your Post Dated Cheques, additional charges are applicable. Also, depending upon the lender bank, prepayment options may or may not be available and the applicable charges may vary accordingly.

Most Important Terms and Conditions :

  • The Loan shall carry fixed rate of interest specified at the time of applying Loan.
  • The Loan amount shall be disbursed, after debiting processing fees, in Borrower’s digiSavings account only with the Bank on accepting the Personal Loan Terms of Agreement.
  • During the Free Look Period of two (2) days from date of Loan disbursement, the Borrower can cancel the Loan. Processing fees will not be refunded in case of cancellation.
  • EMI shall consist of principal and interest component. The Borrower authorises the Bank to debit EMI from Borrower’s digiSavings account on the specified EMI date.
  • Interest on the amount of the loan will be applied at the agreed rate on daily reducing balance.
  • If any EMI is not honoured, the Borrower will be liable for dishonour charges and penal interest.
  • The Borrower can foreclose the Loan or make pre-payments after payment of 12 EMIs with applicable charges

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