Privacy Policy

At MoneyPao Private Limited ("MoneyPao", "we", "our", or "us"), we value your trust and are committed to protecting your personal information. This Privacy Policy explains in detail what data we collect, why we collect it, how we process it, and the measures we take to keep it safe. By downloading, registering, or using our mobile application, you agree to the practices described in this policy. If you have any questions, please contact us at support@moneypao.com.

1. Updates to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in law, technology, or our business practices. Whenever changes are made, we will notify you through in-app notifications, SMS, or email before the new policy takes effect. Please review this page regularly to stay informed.

2. Information We Collect

When you browse our APP or submit a loan application in our APP, we may collect your personal information to our server (https://server.moneypao.com). The information are as follows:

1) Personal Information

Full name, gender, date of birth
Mobile phone number and email address
Government-issued ID details (e.g., Aadhaar, PAN)
Employment and income details

2) Device & Technical Information

Device model, operating system, and version
IMEI/unique device identifier
Mobile network and Wi-Fi details
Device language and time zone

3) Location Information

We may collect your approximate or precise location to:

Verify address during KYC
Assess service availability in your area
Enhance account security by detecting unusual access

4) Camera

We request permission to use your device camera to capture photographs of your ID and your selfie for identity verification and fraud prevention.

5) Installed Applications Metadata

We may collect information about non-system applications (name, version, installation/update history) to better understand financial behavior and strengthen risk assessment models.

6) Third-Party Information

We may supplement your profile with data received from credit bureaus, financial institutions, and trusted business partners to ensure accurate credit assessments.

3. How We Use Your Information

We process your data lawfully and only for legitimate purposes, including:

Reviewing and processing loan applications
Conducting identity and KYC verification
Performing credit risk assessments
Managing your account and transaction history
Preventing fraud, misuse, or unauthorized access
Improving app functionality and personalization
Meeting regulatory and legal obligations

4. Data Security

We implement multiple layers of protection to safeguard your information:

Bank-grade encryption for all data in transit and at rest
Secure servers hosted at https://server.moneypao.com
Access restricted only to authorized employees bound by confidentiality obligations
Regular audits and monitoring for potential vulnerabilities

5. Data Retention

Your personal data is stored as long as you maintain an account with us or as required by law and regulation. If you close your account or request deletion, we will securely erase your information from active systems, subject to retention obligations under Indian law (e.g., RBI and NBFC guidelines).

6. Children's Privacy

Our services are intended only for individuals aged 18 years or above. We do not knowingly collect or process information from minors. If such data is discovered, it will be deleted immediately.

7. Cookies & Tracking Technologies

We use cookies and similar technologies to:

Recognize your preferences
Improve navigation and app performance
Measure usage and analytics

8. Your Rights

As a user, you have the right to:

Access and review the personal data we hold about you
Request corrections to inaccurate or outdated information
Request deletion of your data (subject to legal obligations)
Withdraw consent for optional permissions

To exercise these rights, please write to us at support@moneypao.com.

9. Third-Party Links & Advertising

Our app may display links or advertisements from third parties. Once you leave our app, this Privacy Policy no longer applies. Please review the respective privacy policies of those third parties.

10.Contact Us

If you have any questions, complaints, or feedback regarding this Privacy Policy or our data practices, please contact us: 📧 Email: support@moneypao.com

🔒 At MoneyPao, protecting your privacy is not just a compliance requirement — it's our responsibility. We are committed to providing transparent, secure, and trustworthy personal loan services.