Privacy Policy

Gaurav

Introduction

Thank you for using RatingOK.com. We prioritize the confidentiality of your personal information and are dedicated to maintaining the highest standards of privacy and data protection. If you have any questions or concerns about this privacy policy or how we handle your personal information, please contact us at info@ratingok.com.

When you visit our website, https://ratingok.com (the “Website”) or use any of our services, we value your trust in sharing your personal information with us. We take privacy seriously. In this notice, we explain what information we collect, how we use it, and what rights you have regarding it. Please read this notice carefully, as it is important. If you don’t agree with any part of it, please stop using our Services.

This privacy notice covers all data collected through our primary services, including any associated offerings, marketing activities, or related events.

Information We Collect

Certain details, including your Internet Protocol (IP) address and information about your browser and device, are automatically collected when you access our Services.

When you access or interact with our Services, certain information is automatically collected to support system functionality and enhance user experience. While this data does not personally identify you, it may include technical and usage details such as your IP address, browser type, device characteristics, operating system, language settings, referral sources, device name, general location, and usage patterns. This information is primarily used to ensure the secure and efficient operation of our Services and to support internal analytics and performance monitoring.

Similar to other organizations, we gather data using cookies and related technologies to enhance user experience and analyze website performance.

During your use of the Web application, we will collect such information from you, including but not limited to:

  • Your name, address, date of birth, contact information, billing information, marital status, and other personal details.
  • Details regarding your employment, income, and other employment-related data.
  • Credit-related information from third-party sources like credit bureaus (only with your consent).
  • Your unique identifiers such as username, preferences information, and transaction history.
  • Information you provide directly to us, such as emails or calls made to our customer support.
  • Device information, including device ID, phone model, and operating systems used.
  • Clickstream data, including pages browsed, products viewed, and other interactions on the Website.

The information we collect will depend on the products and services we offer. If you do not allow us to collect all the requested information, we may not be able to provide certain services effectively.

Express Consent for Communication

By providing us with your personal details, you expressly consent to be contacted by us (including through our marketing channels and business partners) via SMS, calls, WhatsApp, email, and/or RCS messaging for communication related to the services we provide, product knowledge, and promotional offers.

If at any time you wish to withdraw consent, you can email us at info@ratingok.com. Please allow up to 72 hours for processing your request.

Use of Information

  • Establish identity and assess applications
  • Monitor, improve, and administer our Website and Services
  • Design customized products and services
  • Analyze how our services are used and improve them
  • Send communications regarding products, services, or queries
  • Comply with applicable laws and regulations
  • Conduct KYC for third-party partners
  • Prevent fraud, unauthorized transactions, and security risks

We will retain your information only as long as necessary to fulfill the purposes outlined in this policy, resolve disputes, enforce agreements, or comply with legal obligations.

Data Sharing and Affiliate Disclosure

We may share your information with trusted third parties, including:

  • Banks and financial institutions
  • NBFCs and lending partners
  • Affiliate and lead generation partners
  • Service providers (analytics, communication, hosting, etc.)

This sharing occurs only when necessary to provide services or when you explicitly express interest in a product (such as submitting a form or clicking on an application link).

All third-party partners are bound by confidentiality and data protection obligations. However, we are not responsible for breaches caused by third parties beyond our control.

User Rights

  • Right to access your data
  • Right to correct inaccurate or incomplete data
  • Right to request deletion of your data
  • Right to withdraw consent at any time
  • Right to opt out of marketing communications

To exercise these rights, contact us at info@ratingok.com.

Data Retention Policy

We retain your personal data only for as long as necessary for business, legal, and regulatory purposes. Typically, this may range from 6 months to several years depending on the nature of the data and applicable laws.

How We Keep Your Information Safe

We aim to protect your personal information through organizational and technical security measures, including encryption, secure servers, and access controls.

To maintain the security of your account, you must keep your login credentials, passwords, and OTPs confidential.

Cookies and Tracking Technologies

A “cookie” is a small file stored by your browser to enhance your experience. We use cookies to:

  • Understand user behavior
  • Improve website functionality
  • Personalize user experience

We may also use third-party tools such as analytics and advertising services to monitor and improve performance.

You can disable cookies through your browser settings.

Do Not Track & Opt-Out

You may opt out of tracking technologies and marketing communications at any time by adjusting browser settings or contacting us.

Credit Bureau Consent

By using our services, you authorize us and our partners to access your credit-related information from credit bureaus for eligibility checks and service delivery.

Links to Other Websites

Our website may contain links to third-party websites. This Privacy Policy applies only to RatingOK.com. We recommend reviewing the privacy policies of external websites before sharing your information.

Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

Cross-Border Data Transfer

Your data may be processed or stored in locations outside India where our service providers operate, in compliance with applicable data protection laws.

Data Breach Notification

In the event of a data breach, we will notify affected users and relevant authorities as required by applicable laws.

Limitation of Liability

RatingOK.com provides informational content related to financial products. We do not guarantee approval of any product. Final decisions are made solely by the respective financial institutions.

Updates to This Privacy Notice

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting on this page.

Grievance Officer

For any complaints or concerns regarding your data:

Email: info@ratingok.com
Response Time: Within 30 days

Contact Us

If you have any questions or comments about this Privacy Policy, please contact us at info@ratingok.com.