Privacy Policy

Last updated: JUL 29, 2025

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.
  • 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 IMEI code, 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.

Information Collected Through Our App

If you use our App, we may collect information regarding your mobile device, push notifications, and other device-specific data:

  • Mobile Device Access: We may request access to certain features from your mobile device, such as contacts, camera, or location.
  • Mobile Device Data: We gather specific technical details related to your mobile device, including the device ID, model, operating system, and IP address, to help ensure a seamless and secure user experience.
  • Push Notifications: We may request permission to send you push notifications related to your account or specific features of the App.

This information is primarily needed to maintain the security and operation of our App, for troubleshooting, and for internal analytics and reporting purposes.

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 us to process your request and purge your personal information from our records.

Use of Information

We use the information you provide to:

  • 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 or services requested or queries you have made.
  • Comply with country laws and regulations.
  • Conduct KYC for third-party partners.

We will retain your information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

How We Keep Your Information Safe

We aim to protect your personal information through organizational and technical security measures, including encryption and access control. We have implemented multiple layers of security to safeguard your account and prevent unauthorized access.

To maintain the security of your account, it is essential that you keep your login credentials, passwords, and OTPs confidential and never disclose them to anyone.

Links to Other Websites

Our website might include hyperlinks directing users to external third-party websites or applications. This Privacy Policy applies only to our Website and Services, so we recommend reviewing the privacy policies of other websites before providing any personal information.

Disclosure of Information

Your information may be shared with third-party partners bound by strict confidentiality agreements, solely for the purpose of delivering our services effectively. We are not responsible for breaches of security or actions by third parties who receive your personal information.

We may disclose your information to financial service providers, banks, or NBFCs and third-party partners to provide services, conduct data analysis, or comply with legal obligations.

Cookie Policy

A “cookie” is a small file stored by your browser to enhance your experience on our website. We may use cookies to track usage patterns and provide a more personalized experience. No personal data will be collected via cookies unless you have previously provided it.

Updates to This Privacy Notice

We may update this Privacy Notice from time to time to comply with relevant laws and regulations. We will indicate the updated date, and the changes will take effect immediately upon posting.

Contact Us

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