Terms & Conditions — Financial Insights

In these Terms, unless the context requires otherwise: “Applicable Law” means all applicable Indian laws, rules, regulations, directions, orders and binding requirements, including the Indian Contract Act, 1872, Information Technology Act, 2000 and applicable rules, Consumer Protection Act, 2019 and applicable rules, Credit Information Companies (Regulation) Act, 2005 (“CICRA”) and related rules/regulations, applicable Reserve Bank of India directions, and the Digital Personal Data Protection Act, 2023 and rules thereunder to the extent in force and applicable from time to time.

“Bureau Information” means credit information, credit bureau data, credit report information, scores, attributes or related information lawfully obtained from a credit information company or another permitted source. “Financial Information” includes income, bank account information, transactions, cash flows, liabilities, loans, repayment information, expenditure, savings, financial behaviour and related information. “Personal Data” has the meaning assigned under Applicable Law.

“Eligibility” or “assessment” means Financial insights only.

“Lender” means a bank, NBFC or other entity lawfully authorised to provide credit. “Participating Lender” means a Lender with whom Orin has an arrangement to provide LSP, technology, sourcing, facilitation, servicing or related services. “Loan Journey” means a separate process initiated by you to explore, request, apply for or obtain credit.

“Loan Processing Purposes” include, to the extent lawfully authorised, customer acquisition, eligibility assessment, creditworthiness and affordability assessment, lender matching, application processing, fraud and risk evaluation, identity/KYC or bank verification support, offer generation, underwriting support, onboarding, servicing, regulatory compliance and related activities for a Loan Journey.

“Consent Artefact” means an electronic or physical record of consent, including a checkbox, OTP, clickwrap, e-sign, digital consent screen, account aggregator consent artefact or other legally permitted form together with associated audit records such as timestamp, device/session information and consent text. Headings are for convenience and do not limit interpretation. Words in the singular include the plural and vice versa where the context permits.

Financial Insights is intended to provide a personalised, consumer-facing view of selected aspects of your financial position and financial behaviour. It is independently useful as a financial-awareness product even where you never enter into a Loan Journey.

Orin may determine, update, modify or replace the analytical methodology, presentation, categories, indicators, thresholds, scoring logic, algorithms, report format or features used for the Service from time to time. Orin is not required to disclose proprietary models, weightings, source code, decision rules or trade secrets, except where disclosure is required by Applicable Law.

You represent and warrant that you are a natural person, ordinarily eligible to contract in India, at least 18 years of age, competent to contract under the Indian Contract Act, 1872, purchasing the Report for yourself, and legally authorised to provide or permit access to all information submitted or connected to the Service.

Orin may decline, suspend, restrict or terminate the Service where information is incomplete, inconsistent, suspicious, fraudulent, unverifiable, unavailable, prohibited, or where provision of the Service may create legal, security, operational or reputational risk. Orin may request additional identity or ownership verification before generating or releasing the Report.

Depending on data availability and the permissions provided by you, the Report may include financial indicators, credit-behaviour observations, debt and EMI burden, repayment patterns, affordability indicators, cash-flow observations, income trends, liquidity indicators, spending and savings insights, credit utilisation, account-balance patterns, financial-behaviour observations and personalised financial-awareness suggestions.

The Report may combine information from multiple sources and may use data classification, statistical analysis, rules-based analysis, automated tools, artificial intelligence or machine-learning supported processes, proprietary methodologies and derived variables. Any internal indicator created by Orin is an informational indicator only and is not a credit score issued by a credit information company or a Lender underwriting score unless expressly identified as such.

The Service may be offered for a one-time price of up to INR 500 (Rupees Five Hundred only), or such lower amount as displayed before payment. The amount shown at checkout is the amount applicable to that purchase, subject to applicable taxes.

The Financial Insights fee is separate from any loan-related pricing or charge. It shall not be represented as a loan processing, application, underwriting, verification, eligibility, sourcing or LSP fee. No recurring subscription will arise unless you separately purchase and affirmatively accept a recurring product.

Payments may be processed through third-party payment service providers. By selecting a payment method, you authorise the relevant provider to process the transaction. Orin is not responsible for bank, card-network, UPI, payment-gateway or third-party outages, reversals, declines, delays or charges except to the extent required by Applicable Law.

Successful payment does not create a loan application, a lending commitment or any obligation on Orin or a Lender to provide credit. The invoice or payment descriptor may identify the charge as “Financial Insights Report”, “Financial Wellness Report” or similar standalone-service terminology.

After successful payment and completion of required data permissions, Orin may commence personalised processing immediately. The Report may be delivered by PDF download, email, secure link, registered account, WhatsApp or another electronic method notified to you.

Delivery time is indicative and may vary due to data availability, third-party dependency, verification, system load, security checks, consent status or other operational circumstances. Orin may regenerate, correct, replace or withdraw a Report if it discovers a material processing error, fraud, security issue or data-source problem.

Unless expressly stated otherwise, Orin has no continuing obligation to update the Report after delivery. A Report reflects information and analytical conditions available at or around the time of generation.

Financial Insights is a customised digital service generated specifically for you. Once personalised processing or report generation has commenced, and in all cases once the Report has been generated or delivered, the fee is ordinarily final and non-refundable, subject always to mandatory rights and remedies under Applicable Law.

No refund shall arise merely because you change your mind, disagree with an insight, receive an unfavourable indicator, later become ineligible for credit, are rejected by a Lender, receive a lower loan amount or higher pricing than expected, do not proceed with a Loan Journey, or because source information supplied by you or a third party was inaccurate or incomplete.

Orin may, at its discretion and without creating a precedent, provide regeneration, re-delivery, credit, refund or another remedy. Duplicate charges and a complete failure attributable to Orin to provide the paid Service will be handled in accordance with Applicable Law and Orin policy.

You shall provide true, complete, current and non-misleading information, use only information and accounts belonging to you or lawfully authorised for your use, protect OTPs and credentials, promptly notify Orin of suspected unauthorised access, independently verify material information before taking significant financial decisions, and use the Report only for lawful purposes.

You must not submit forged or manipulated documents, impersonate another person, attempt to obtain another person's Bureau Information or banking data, reverse engineer or scrape the Service, interfere with Orin systems, misuse the Report for fraud or unlawful credit activity, or misrepresent Orin's conclusions. You shall not provide passwords, ATM PINs, UPI PINs, card PINs or similar authentication secrets to Orin.

Subject to lawful access and the relevant Consent Artefact, information used for Financial Insights may include information entered by you, documents uploaded by you, Bureau Information, bank statements, account and transaction information, information obtained through permitted data-sharing mechanisms, information provided by authorised third-party service providers, information lawfully held by Orin, and derived variables or analytical outputs created from such information.

Orin may rely on information received from you, credit information companies, banks, account-information providers, verification providers and other authorised sources without independently verifying every data point. Availability of a data source does not oblige Orin to use it in every Report.

Orin may collect, access, store, organise, analyse, classify, combine, derive, transmit and otherwise process information to the extent reasonably necessary for the purposes disclosed in the applicable Terms, Privacy Policy and Consent Artefact.

Permitted purposes may include identity and request verification, generation and delivery of Financial Insights, customer support, fraud prevention, security, audit and consent management, legal and regulatory compliance, grievance handling, product analytics, service improvement and, where you have expressly authorised Loan Processing Purposes, the activities described in Section 12.5.

To the extent permitted by Applicable Law, Orin may create and use aggregated, anonymised or de-identified statistics, trends, benchmarks and analytical outputs for product improvement, fraud and risk controls, research, quality assurance and legitimate business analytics, provided such use does not unlawfully identify you or conflict with applicable restrictions.

Bureau Information will be accessed and processed only through mechanisms available to Orin under Applicable Law, applicable bureau arrangements and the relevant customer authorisation. Where enabled, Orin may obtain, process, summarise or derive insights from Bureau Information provided by credit information companies or authorised providers.

Bureau Information originates from third-party sources. Orin does not control the accuracy, completeness, update frequency or reporting practices of credit information companies or the institutions that furnish data to them. Orin is not liable for inaccuracies originating in such external records except to the extent liability cannot be excluded under Applicable Law.

If you identify an error in Bureau Information, correction may need to be raised with the relevant credit information company and/or reporting credit institution under the applicable dispute process. Orin may provide reasonable assistance or source identification but does not guarantee the outcome or timeline of a bureau dispute. Contractual or regulatory restrictions may limit reproduction, redistribution or retention of raw Bureau Information; Orin may therefore provide permitted extracts, summaries, attributes or derived observations instead of a complete source bureau report.

Banking and account information may be provided through customer-uploaded statements, secure integrations, authorised account-information services, a regulated Account Aggregator ecosystem where legally available to the relevant participants, or another lawful mechanism.

Orin will not interpret general acceptance of these Terms as unlimited authority to continuously access a bank account. Access, where applicable, shall be governed by the applicable consent parameters and Applicable Law. Orin will not request your bank password, UPI PIN, ATM PIN or similar authentication credential.

Orin will process Personal Data in accordance with Applicable Law, its Privacy Policy and applicable consent notices. Different legal requirements may apply depending on whether Orin acts for the standalone Financial Insights Service, as an LSP in a separate Loan Journey, or as a service provider to another entity.

Orin may process information on the basis of consent, for performance of the Service where permitted by Applicable Law, for compliance with law, for security or fraud-prevention purposes, or on another lawful ground available under Applicable Law. Nothing in these Terms requires Orin to delete or cease processing information where retention or processing is required or permitted by law.

Orin may retain information for as long as reasonably necessary for providing the Service, supporting a Loan Journey authorised by you, maintaining consent and transaction records, preventing fraud, protecting legal rights, handling grievances, complying with audit or regulatory obligations, enforcing these Terms or another lawful purpose.

Different data categories may have different retention periods. Data may remain in secure backups until overwritten through normal backup cycles. Deletion or withdrawal requests are subject to information that Orin, a Lender or another regulated participant is required or permitted to retain under Applicable Law, contracts or regulatory directions. Deletion by Orin does not delete source data maintained independently by a bank, credit information company, Lender, Account Aggregator, payment provider or other third party.

Orin will maintain reasonable technical and organisational safeguards appropriate to the nature of information processed, which may include encryption, access controls, logging, monitoring, secure infrastructure, vulnerability management, incident procedures and vendor security controls.

No electronic system is completely secure or continuously available. To the maximum extent permitted by law, Orin does not warrant that the Service will be free from all cyber incidents, malware, interruption, unauthorised third-party activity or technical failure. Where a security incident triggers mandatory notice or remedial obligations, Orin will act in accordance with Applicable Law.

Orin may engage or integrate with payment providers, cloud and hosting providers, communication providers, analytics and security providers, document-generation providers, verification providers, banks, credit information companies, account aggregator platforms, data providers and other vendors necessary to operate the Service or an authorised Loan Journey.

Third-party services may be governed by separate terms, privacy policies, consent requirements and availability conditions. Orin is not responsible for third-party websites, networks, data-source availability, service interruptions, acts or omissions except to the extent Orin is legally responsible under Applicable Law or an applicable contractual obligation.

All rights in the Orin name, Financial Insights product, software, user journey, report design, templates, graphics, content, analytics, data models, classification logic, algorithms, methodologies, scoring logic, derived variables, databases and other proprietary materials are owned by or licensed to Orin. No intellectual-property right is transferred to you by purchase of a Report.

Nothing in these Terms gives Orin ownership of your Personal Data or third-party proprietary bureau information merely because such information is processed by Orin.

Subject to these Terms and third-party data restrictions, Orin grants you a limited, revocable, non-exclusive, non-transferable licence to use the delivered Report for your personal and lawful informational purposes.

You may not sell, resell, commercially distribute, scrape, reverse engineer, reproduce for commercial use, modify to misrepresent Orin's conclusions, remove proprietary notices, extract restricted bureau data for unauthorised purposes, or use the Report to impersonate another person. No third party may treat the Report as an assurance, audit, certification or guarantee issued by Orin.

The Report is dependent on information available to Orin at the relevant time. Such information may be incomplete, delayed, incorrectly categorised at source, outdated, duplicated, missing, inconsistent or otherwise inaccurate. Automated classification may not correctly identify the economic purpose or counterparty of every transaction.

Affordability, debt, income, expenditure, savings, cash-flow, financial-health and similar indicators may involve assumptions, estimates and proprietary classifications. Orin does not warrant that every indicator will correspond to your actual financial circumstances or to the methodology of any Lender, bureau or professional adviser. You should verify material information against original records.

Financial Insights is provided for general financial awareness and information. It is not investment advice, securities advice, regulated financial planning, tax advice, legal advice, accounting advice, professional debt counselling, credit-repair advice or a recommendation to buy or sell any regulated financial product.

No fiduciary, advisory, trustee, agency or professional-client relationship is created between you and Orin by reason only of Financial Insights. You remain solely responsible for decisions taken based on the Report and should obtain independent professional advice where appropriate.

Nothing in the Report constitutes pre-approval, sanction, commitment to lend, assurance of credit, guarantee of eligibility, guarantee of loan amount, pricing or interest rate, or assurance that any particular Lender will approve you. A favourable indicator does not require a Lender to approve a loan, and an unfavourable indicator does not necessarily require rejection.

Orin may separately act as an LSP, technology provider, facilitation partner or customer interface for Participating Lenders. Those activities are separate from the Financial Insights purchase.

The Financial Insights fee is consideration only for the standalone Report and is not a fee payable to Orin for services performed for a Lender in connection with digital lending. Acceptance of these Terms does not constitute acceptance of a loan agreement. A later Loan Journey will be governed by the applicable lender disclosures, Key Facts Statement, loan documents, consent notices and regulatory requirements.

At the time Financial Insights is purchased, a specific Lender may not have been selected. If you later initiate or continue a Loan Journey, Orin may match your request with one or more Participating Lenders in accordance with applicable arrangements, disclosed criteria and regulatory requirements.

Every Lender independently determines whether to offer, approve, reject, price, sanction or disburse credit and may conduct its own KYC, bureau assessment, bank-statement analysis, income verification, affordability assessment, fraud checks, risk scoring, underwriting and other due diligence. Orin cannot compel a Lender to make or honour any offer except as specifically required under Applicable Law.

The fact that you purchased or paid for Financial Insights, or that Orin generated a Report, does not itself improve your creditworthiness and shall not create an entitlement to preferential underwriting, priority processing, a higher loan amount, lower interest rate, preferred lender matching or disbursement.

This is distinct from the underlying information about you. Where you have validly authorised Loan Processing Purposes, Orin and/or a Participating Lender may consider the relevant underlying financial information, Bureau Information, banking information, report-derived variables or other authorised data in connection with a Loan Journey. Any lending decision remains the independent decision of the relevant Lender.

You authorise Orin to send transactional and service communications relating to Financial Insights, consent, payment, delivery, security, support, grievance handling and, where separately authorised, a Loan Journey through voice call, SMS, WhatsApp, RCS, IVR, email, push notification or other lawful channel.

Customer-service, verification or support calls may be recorded or monitored for quality, training, fraud prevention, dispute resolution and compliance where permitted by law. Promotional communications will be handled in accordance with applicable permissions and communications requirements. Electronic records, OTP acceptance, clickwrap, e-sign, system logs and digital communications shall be valid evidence to the extent recognised by Applicable Law.

For Financial Insights support, you may contact +91-9818896345 or wecare@rupezi.in (10:00 am to 7:00 pm, Monday to Saturday (excluding holidays), or such updated support hours as displayed on the applicable platform). Orin may modify support channels or hours from time to time. Loan-related matters may be routed to the support mechanism applicable to the relevant Participating Lender or Loan Journey.

Complaints relating to Financial Insights may be submitted to grievance@rupezi.in or through the grievance channel displayed on the applicable platform. Orin will endeavour to acknowledge and resolve complaints within the timelines required by Applicable Law.

Where a complaint relates to a separate RBI-regulated loan product, it may also be governed by the grievance mechanism of the relevant Lender and Orin's obligations in its capacity as LSP.

To the maximum extent permitted by Applicable Law, the Service and Report are provided on an “as is”, “as available” and informational basis without warranties of uninterrupted availability, error-free operation, fitness for a particular lending outcome, merchantability, accuracy of third-party data, or compatibility with any Lender's underwriting model.

Orin, its directors, officers, employees, affiliates, agents, contractors and service providers shall not be liable for indirect, incidental, special, punitive, exemplary or consequential loss, loss of opportunity, loss of profit, loss of goodwill, loss arising from loan rejection or delay, loss arising from a Lender decision, changes in credit score, third-party data inaccuracy, payment-provider failure, bureau or bank outage, unauthorised customer conduct, force majeure or circumstances reasonably outside Orin's control, except where such exclusion is prohibited by law.

Subject to mandatory law, Orin's aggregate liability for claims arising solely from the Financial Insights Service shall not exceed the amount actually paid by you to Orin for the specific Report giving rise to the claim.

To the extent permitted by Applicable Law, you agree to indemnify and hold harmless Orin, its affiliates, directors, officers, employees, agents, contractors, technology partners and Participating Lenders from reasonable claims, losses, liabilities, penalties, costs and expenses arising from your material breach of these Terms, fraud, impersonation, false or unauthorised information, unlawful use of the Service, infringement of third-party rights, unauthorised redistribution of restricted information, or violation of Applicable Law. This indemnity does not require you to indemnify a protected party for its own fraud, wilful misconduct or liability that cannot lawfully be shifted to you.

Orin may, with or without prior notice where reasonably necessary, suspend, restrict, cancel or terminate access to the Service where it believes there is fraud, identity mismatch, security risk, abusive conduct, policy violation, technical risk, legal or regulatory requirement, third-party data restriction, payment issue, breach of these Terms or other material risk to Orin, a Lender, service provider or customer.

Suspension or termination does not affect rights and obligations already accrued, including payment obligations, lawful data retention, consent/audit records, intellectual-property restrictions, indemnities, limitation of liability, dispute provisions and other clauses intended to survive.

Orin may add, remove, modify, suspend or discontinue any feature, methodology, data source, report component, pricing structure for future purchases, technology integration or delivery method at its discretion, subject to Applicable Law.

Orin may update these Terms from time to time. The version accepted for a completed purchase will generally govern that purchase unless a change is required by law. Continued use of ongoing platform functionality after publication of updated terms may constitute acceptance where legally permissible and appropriately notified.

These Terms and the Financial Insights Service are governed by the laws of India, without prejudice to mandatory rights available under applicable consumer, privacy or other law.

Subject to any mandatory consumer forum or other jurisdiction that Applicable Law permits you to approach, courts at Delhi shall have exclusive jurisdiction in relation to disputes arising from or connected with Financial Insights and these Terms.

Orin will operate Financial Insights subject to Applicable Law and may modify, limit, suspend or discontinue any feature where reasonably necessary to comply with a legal, regulatory, bureau, data-source or contractual requirement.

Nothing in these Terms shall be construed as a representation that RBI has approved, registered, authorised or endorsed Financial Insights, its pricing, its methodology or Orin as a bank or NBFC. Where Orin acts as an LSP in a separate Loan Journey, that activity will be governed by the regulatory framework applicable to the relevant Lender-LSP arrangement.

Nothing in these Terms excludes or limits a right, remedy, liability or consumer protection that cannot lawfully be excluded or limited. If any provision conflicts with a mandatory requirement of Applicable Law, the mandatory requirement will prevail only to the extent of the conflict, and the remainder of these Terms will continue to apply.