Welcome to Money₹aam.

Your privacy is our priority. This Privacy Policy explains how we collect, use, share, and protect your personal information when you interact with our website, mobile application, or any services offered by Money₹aam.

By accessing or using our platform, you consent to the practices described in this policy. We encourage you to read it carefully and reach out with any questions.

Information We Collect

We collect both personal and non-personal data to provide you with secure and personalized financial services. This includes:

Identity Data: Full name, date of birth, gender, and government-issued ID numbers (e.g., PAN, Aadhaar).

Contact Data: Email address, phone number, and residential address.

Financial Data: Bank account details, transaction history, income details, credit score, and loan preferences.

Employment Data: Job title, employer name, salary details, and employment status.

Device & Technical Data: IP address, browser type, operating system, device identifiers, and app usage patterns.

Location Data: Approximate location based on IP or GPS (if enabled).

Usage Data: Pages visited, time spent, clicks, and interactions with our platform.

Optional Data: Feedback, survey responses, and preferences submitted via forms or chat.

How We Use Your Information

We use your data to:

Deliver and personalize financial products and services

Process loan applications, credit assessments, and EMI calculations

Conduct identity verification and KYC compliance

Communicate updates, offers, and service-related alerts

Improve platform performance and user experience

Detect and prevent fraud, unauthorized access, and abuse

Fulfill legal, regulatory, and contractual obligations

Sharing Your Information
We may share your data with trusted third parties, including:

Financial institutions and lending partners

Technology and infrastructure providers (e.g., hosting, analytics)

Regulatory bodies and law enforcement (when legally required)

Marketing partners (only with your consent)

Internal teams for customer support and service delivery

We do not sell your personal data to advertisers or third-party marketers.

Data Security
We take your data security seriously. Measures include:

SSL encryption for all data transfers

Secure servers with multi-layer firewalls

Role-based access control and authentication

Regular vulnerability scans and security audits

Data minimization and anonymization where applicable

Your Rights & Choices
You have control over your data. You can:

Request access to your personal data

Correct or update inaccurate information

Withdraw consent or opt out of marketing communications

Request deletion of your data (subject to legal retention)

To exercise these rights, email us at [Insert Contact Email].

Cookies & Tracking Technologies
We use cookies and similar technologies to:

Enhance user experience

Analyze traffic and usage patterns

Deliver personalized content and offers

You can manage cookie preferences via your browser settings. Third-party analytics tools may also collect anonymized data.

Data Retention
We retain your data only as long as necessary for:

Service delivery and legal compliance

Fraud prevention and dispute resolution

Business analytics and reporting

Once no longer needed, data is securely deleted or anonymized.

Children’s Privacy

Money₹aam does not knowingly collect personal data from children under the age of 18. If you believe we have inadvertently collected such data, please contact us immediately.

International Data Transfers

If you access Money₹aam from outside India, your data may be transferred to and processed in India, where our servers are located. We ensure appropriate safeguards are in place for such transfers.

• Changes to This Policy
  We may update this Privacy Policy periodically. Any changes will be posted on this page with the revised date. Continued use of our services after updates implies acceptance of the revised policy.

Contact Us

For questions, concerns, or data requests, contact:

Privacy Officer – Money₹aam Email: contact@moneyraam.in / support@moneyraam.in Phone: 011 15616029 Address: F-246B, Adarsh Enclave, Aya Nagar, Phase 6, New Delhi – 110047