Privacy Policy

1. Introduction

Recur Club (operated by Recur Club Private Limited, a company incorporated under the laws of India) ("we", "us", or "our") is committed to protecting the privacy of individuals who visit our website at recurclub.com, use our AI-native debt marketplace platform, or interact with our services (collectively, the "Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Services.

2. Information We Collect

2.1 Personal Information

When you register, submit a financing application, or otherwise interact with our platform, we may collect:

• Full name, email address, phone number, and designation
• Company name, registration details (CIN, PAN, GSTIN), and business address
• Financial information including revenue data, bank statements, and financial statements
• KYC documents such as identity proof, address proof, and director information
• Communication preferences and correspondence records

2.2 Automatically Collected Information

When you access our Services, we automatically collect:

• Device information (browser type, operating system, device identifiers)
• Log data (IP address, access times, pages viewed, referring URLs)
• Usage data (features used, interactions with the platform, session duration)
• Location data (based on IP address, at a city/region level)

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our debt marketplace platform
• Process financing applications and match you with suitable capital partners
• Conduct AI-powered credit assessments through our AICA technology
• Communicate with you regarding your account, applications, and financing opportunities
• Send you marketing communications (with your consent) about products, services, and events
• Analyze usage patterns to improve our Services, develop new features, and enhance user experience
• Comply with legal obligations and regulatory requirements applicable to financial services in India
• Detect, prevent, and address fraud, security issues, and technical problems

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. These technologies help us:

• Remember your preferences and login sessions
• Understand how you navigate and interact with our platform
• Measure the effectiveness of our marketing campaigns
• Deliver relevant content and advertisements

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our Services. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired).

5. Sharing of Information

We may share your information with:

• Capital Partners and Lenders: To process your financing applications and facilitate debt transactions. We share only the information necessary for credit evaluation and loan processing.
• Service Providers: Third-party vendors who assist us in operating our platform, conducting analytics, processing payments, and providing customer support.
• Professional Advisors: Legal, accounting, and other professional advisors as necessary for our business operations.
• Regulatory Authorities: Government bodies, regulators, and law enforcement agencies as required under applicable Indian law, including RBI regulations.
• Business Transfers: In connection with any merger, acquisition, reorganization, or sale of assets, your information may be transferred as a business asset.

We do not sell your personal information to third parties for their direct marketing purposes.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you our Services. We may also retain and use your information as necessary to comply with our legal obligations (including record-keeping requirements under Indian financial regulations), resolve disputes, and enforce our agreements. Financial records and transaction data are retained for a minimum of eight years as required under applicable Indian laws.

7. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, access controls, regular security audits, and employee training. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Subject to applicable law, you have the right to:

• Access, correct, or update your personal information
• Request deletion of your personal data (subject to legal retention requirements)
• Withdraw consent for marketing communications at any time
• Request a copy of your personal data in a structured, machine-readable format
• Lodge a complaint with the relevant data protection authority

9. Third-Party Links

Our Services may contain links to third-party websites, services, or applications that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you access through our platform.

10. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal data from a child without parental consent, we will take steps to delete that information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a revised "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: