This Privacy Policy (“Policy”) explains how RiseWise Capital (registered as Cicago Commodities Pvt Ltd, hereinafter “RiseWise Capital”, “we”, “our” or “us”) collects, uses, shares, and protects personal information. RiseWise Capital is incorporated with its registered office at Cicago Commodities Pvt Ltd, 214, 2nd Floor, 9 Weston St, West Bengal Kolkata WB – 700012.

By accessing or using the RiseWise Capital website (www.risewisecapital.com) or our mobile application (“App”) (collectively, the “Platform”) and availing our services (“Services”), you consent to the practices described in this Policy. If you do not agree, please do not use the Platform.

Information We Collect

We may collect the following categories of information when you use our Platform:

• Personal Information: Name, email, phone number, address, PAN, Aadhaar, bank account details, and other KYC information when required for services such as loans.
• Financial SMS Data: Only financial SMS from 6-digit alphanumeric senders to assess cash flow patterns for credit risk assessment. We do not read or store personal SMS.
• Mobile Number & Email: To uniquely identify and secure your account.
• Location Data: Collected to reduce fraud risk and ensure account safety.
• Contacts: References provided for loan applications to assess creditworthiness.
• Installed Applications Metadata: For assessing creditworthiness (app name, version, install/update time).
• Device Information: IMEI, OS details, SIM details, network, and device behavior to provide security and account protection.
• Storage & Camera: To upload required KYC/loan documents securely.
• Non-Personal Information: IP address, browser type, usage behavior, cookies, and analytics data to improve services.

How We Use Your Information

• To provide and improve our Services and customize your experience.
• To perform credit risk assessments and offer financial products.
• To verify identity and prevent fraud or unauthorized access.
• For legal compliance, KYC verification, and regulatory obligations.
• To communicate with you regarding services, offers, and updates (with opt-out options).
• For analytics, troubleshooting, and research to improve user experience.

Cookies

We use cookies to improve user experience and for login/session management. Cookies help us remember preferences and provide secure access. You may decline cookies in your browser, but some features may not function properly.

Embedded Content

Articles or sections on our Platform may include embedded content (e.g., videos, images, articles). Embedded content behaves the same way as if you visited the originating website, which may collect data, use cookies, and track interactions as per their own privacy policies.

Data Sharing & Disclosure

We may share your personal data only as permitted under this Policy:

• With financial institutions (banks, NBFCs) for loan facilitation and KYC compliance.
• With registered credit bureaus (Equifax, Experian, TransUnion, CRIF Highmark) for credit checks.
• With analytics and technology partners (e.g., Think Analytics) to provide services.
• With government/regulatory authorities when legally required.
• During mergers, acquisitions, or business restructuring.
• With third-party SDKs under strict security and confidentiality agreements.

How Long We Retain Data

We retain personal data as long as necessary to provide services, comply with legal obligations, and resolve disputes. Comments, account details, and KYC data may be stored indefinitely unless deleted by the user or restricted by law.

Your Rights

• You can access, modify, or delete your personal information at any time through your account settings.
• You may request an export of your personal data.
• You may request account deletion, subject to applicable laws requiring retention.
• You may manage device-level permissions (location, camera, contacts).

Security

We use industry-standard security measures including SSL encryption, access controls, OTP verification, anti-malware systems, and secure servers in India to protect your data. We restrict access to personal information to authorized employees and partners under confidentiality obligations.

Third-Party Links

Our Platform may contain links to third-party websites. RiseWise Capital is not responsible for the privacy practices of such sites. Please review their policies before providing any personal information.

Changes to this Policy

We may update this Policy from time to time. Changes will be posted on this page, and continued use of the Platform constitutes your acceptance of the updated Policy.

Grievance Officer

In accordance with the Information Technology Act, 2000, the Grievance Officer details are as follows:

Name: Yash Pal Gupta
Address: Pheidon House Second Floor, 64 Rajni Shivaji Chs, Off Senapati Bapat Road, Pune, MH-411016
Phone: +91 7743919999
Email: grievance@risewisecapital.com