Module: General Practice
Q104: Under the RBI’s Digital Lending Guidelines regarding data collection by Digital Lending Apps (DLAs), which of the following mobile permissions is a DLA explicitly permitted to request from a borrower?
✅ Correct Answer: D
🎯 Quick Answer:
Only one-time Location access is permitted.The "Restricted List" (Explicitly Banned): Digital Lending Apps generally cannot access sensitive personal data like Contacts, Call Logs, or Media/Gallery.
This ban was enforced to stop the harassment of borrowers' friends and family during recovery (predatory recovery practices). The Exception: Location: Access is permitted only once regarding the customer's location to verify their address or geography for KYC (Know Your Customer) or legal jurisdiction purposes.
Continuous tracking is prohibited.