Privacy policy

1. Information We Collect

We collect information from various sources to provide our services, verify your identity, and comply with regulatory requirements:

Personal Identification Information

• Full name, date of birth, and gender
• Permanent Account Number (PAN) and Aadhaar details
• Residential and contact addresses
• Email address and mobile phone number
• Government-issued identification documents (Passport, Voter ID, Driving License, etc.)

Financial Information

• Bank account details (account number, IFSC code, bank name)
• Credit/Debit card information (card number, expiry date, CVV)
• Wallet and payment account details
• Transaction history and payment records
• Income details and employment information
• Credit score and financial history
• Loan applications and approval details

Transaction Data

• Transaction amounts, dates, and timestamps
• Transaction types (card-to-cash, wallet transfer, bill payment, loan disbursement)
• Transaction reference numbers and trace IDs
• Recipient and sender information
• Payout details and settlement information

Device and Technical Information

• Device type, model, and operating system
• Device identifiers (IMEI, Android ID, IDFA)
• IP address and geolocation data
• Application version and build information
• Browser type and language preferences
• Mobile network information

Behavioral Data

• App usage patterns and features accessed
• Click-through rates and page views
• Interaction patterns with the application
• Session duration and frequency
• Error logs and crash reports

Contact and Communication Data

• Customer support interactions and correspondence
• Chat messages and support tickets
• Call recordings (where applicable and consented)
• Feedback and survey responses

2. How We Use Your Information

We use the collected information for the following purposes:

Service Delivery

• Processing loan applications and disbursements
• Facilitating card-to-cash and wallet transactions
• Processing bill payments and other financial transactions
• Account creation, maintenance, and management
• Verifying your identity and completing KYC requirements

Compliance and Regulatory Requirements

• Complying with RBI digital lending guidelines and regulations
• Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance
• Reporting to financial regulators and authorities
• Fraud detection and prevention
• Risk assessment and credit evaluation

Communication

• Sending transaction alerts and confirmations
• Providing customer support and resolving issues
• Sending promotional offers and updates (with consent)
• Sending security notifications and account alerts
• Notifying you about policy changes and important updates

Analytics and Improvement

• Analyzing app performance and user experience
• Improving our services and features
• Conducting market research and data analysis
• Creating anonymized and aggregated reports
• A/B testing and optimization

Security and Fraud Prevention

• Monitoring for suspicious activities and fraud
• Preventing unauthorized access to your account
• Maintaining system security and integrity
• Investigating security incidents

3. Sharing Your Information

We do not sell, rent, or trade your personal information. However, we may share your information with trusted partners for the following purposes:

Financial and Payment Partners

• Banks and financial institutions processing transactions
• Card networks (Visa, Mastercard, RuPay)
• Payment gateways and settlement partners
• Wallet and digital payment service providers

Verification and KYC Partners

• KYC verification agencies
• Aadhaar verification partners
• PAN verification service providers
• Address and identity verification vendors

Credit and Risk Assessment

• Credit bureaus (CIBIL, Equifax, Experian, CRIF)
• Risk assessment agencies
• Loan origination platforms

Legal and Regulatory Authorities

• Law enforcement agencies, as required by law
• Regulatory authorities including RBI, SEBI, and other government bodies
• Court orders and legal proceedings
• Tax authorities and financial compliance agencies

Service Providers

• Cloud hosting and data storage providers
• Customer support and communication platforms
• Analytics and reporting tools
• Marketing and advertising partners (with consent)

4. Data Security and Protection

We implement industry-standard security measures to protect your personal information:

Technical Security

• End-to-end encryption for sensitive data transmission
• SSL/TLS protocol for secure communication
• Multi-factor authentication (MFA) for account access
• Regular security audits and penetration testing
• Secure data storage with encryption at rest

Organizational Security

• Limited access to personal information on a need-to-know basis
• Employee confidentiality agreements and training
• Regular security awareness programs
• Monitoring and logging of data access
• Incident response and breach notification procedures

5. Your Rights and Choices

You have the following rights regarding your personal information:

Access and Correction

• You can request access to your personal information
• You can request correction of inaccurate information
• You can download your data in a structured format

Opt-Out Options

• You can opt-out of marketing communications at any time
• You can disable location tracking in app settings
• You can limit device permissions (camera, contacts, etc.)

Account Deletion

• You can request account deletion and data removal
• Some data may be retained for legal and regulatory compliance
• Please refer to our Account Deletion Policy for more information

6. Data Retention

We retain your personal information for the following periods:

Active Account Data

• Retained during the active period of your account and for 7 years after account closure (for regulatory compliance)

Transaction Records

• Retained for a minimum of 10 years for regulatory and audit purposes

Marketing Data

• Retained until you opt-out or for a maximum of 3 years, whichever is earlier

Log Files and Analytics

• Typically retained for 90 days to 1 year, except where legally required for longer periods

7. Third-Party Links and Services

Our platform may contain links to third-party websites and services. This privacy policy does not apply to external websites. We recommend reviewing their privacy policies before providing any personal information.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided personal information, we will take immediate steps to delete such information.

9. Grievance Redressal

If you have any concerns about our privacy practices or wish to file a complaint:

10. Policy Changes

We may update this privacy policy from time to time. We will notify you of significant changes by sending a notification to your registered email address or by displaying a notice on our platform. Your continued use of the platform after such changes constitutes your acceptance of the updated policy.

11. International Data Transfers

Your personal information is primarily stored and processed in India. If we transfer data internationally, we ensure appropriate safeguards and comply with applicable data protection laws.

Effective Date

Last Updated: April 2026