Privacy Policy

By visiting and/or accessing our website www.moneyup.in (“Website”) or by using our services through the mobile application MoneyUp (“App”) or the Website, (collectively “Platforms”), you agree to be bound by the terms of this Privacy Policy. For the purpose of this Privacy Policy, the term “Us”, “We”, or the “Company” refers to Changestreet Technology Private Limited. The term “You” or “User” refers to the end user. This Privacy Policy is a part of the Terms of Use available at [Terms of Use] and all terms defined in the Terms of Use have the same meaning used here in this Privacy Policy.

By visiting our Platforms and/or by providing Your information and/or by availing Our services, You consent to the collection, storage and use of the information You disclose on our Platforms in accordance with this Privacy Policy, including but not limited to, your consent for sharing your information as per this Privacy Policy. You acknowledge and agree that even if You are not a registered User with Us, We may collect information about You, if a registered User has provided Us with Your information to facilitate services.

If we decide to change our Privacy Policy, We will post those changes on this page so that You are always aware of what information We collect, how We use it, and under what circumstances We disclose it. If You do not agree for the forgoing, please do not continue to use or access our Platforms.

1. Collection of Personally Identifiable Information

1.1 When you visit Our Website, Our server will collect the following information such as:

  • Your IP address;
  • The website from which you were referred to our website (e.g. if you followed a link);
  • The webpages you are visiting on our website;
  • The browser you are using and its display settings;
  • Your operating system;
  • The date and duration of your visit.

1.2 We may use this information to do internal research on our Users' demographics, interests, and behaviour to better understand, protect and serve our Users. This information is compiled and analysed on an aggregated basis.

1.3 If you are desirous of registering with Us, You will be required to provide certain other information about You to help us serve You better. The information collected by Us includes the information provided by You, like:

  • Name, e-mail address, mobile number, and other profile data that may have chosen to provide on the Platforms for the registration purpose.
  • Any documents that may be required for Us to provide Our services.
  • Any information that you enter into the Platform, including, but not limited to, details about your salary, access to bank account details via SMS or through any other method that the Company deems fit (provided that You voluntarily grant access to such method), expenses, budgets, and investments.

1.4 During the registration process, We indicate fields that are mandatorily required to be filled and fields that are optional. The Users may decide whether or not to provide such information to Us. In case you choose to decline to submit information on the Platform, We may not be able to provide certain services to You and We shall not be liable and or responsible for non-provision of services to You. Any information provided by You will not be considered as sensitive and confidential if it is freely available and/or accessible in the public domain.

1.5 On Our Website, You can browse without telling Us who You are or revealing any personal
information about Yourself. However, We may automatically track certain information about You based on Your behaviour on Our Website. This information may include the URL that You just came from (whether this URL is on our Platforms or not), which URL You next go to (whether this URL is on our Platforms or not), Your browser information, and Your IP address.

1.6 On Our Website, We use data collection devices such as “cookies” on certain pages to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. “Cookies” are small files placed on your hard drive that assist Us in providing Our services. We offer certain features that are only available through the use of a “cookie”. You are always free to decline our cookies if Your browser permits, although in that case You may not be able to use certain features on the Platforms. Additionally, You may encounter “cookies” or other similar devices on certain
pages of the Website that are placed by third parties. We do not control the use of cookies by third parties.

2. Additional Information

When You use Our services, We may collect information about You, with Your permission, in the following general categories:

2.1 Location Information: When You use the Platforms through the telecommunication device, we collect Your location data. If You permit the Platforms to access Your location through the permission system used by Your mobile operating system, We may also collect the precise location of Your device when the App is running in the foreground or background. We may also derive Your approximate location from Your IP address.

2.2 Device Information: We may collect information about Your mobile device, including, for
example, the hardware model, operating system and version, software and file names, preferred
language, unique device identifier, advertising identifiers, serial number, device motion information, and mobile network information.

2.3 Third Party Access: If You are desirous of using Our services, please note We will require access to some third party applications and/or websites to indicate the transactions that have been made via the bank accounts that may be linked to Your registered phone number, which will help Us provide Our services to You. Please note that We only collect information that is related to Your bank account(s) from such third party application or website. Further, any such information that is collected will be encrypted information.

3. Use of Personal Information

3.1 The information collected by Us through our Platforms may be used inter alia for the following purposes:

  • To provide Our services to You;
  • Internal record keeping;
  • To improve Our products and services or provide new products and services.

3.2 We may periodically send promotional e-mails or messages on the App about special offers or other information which We think You may find interesting.

3.3 From time to time, We may use the information to customize the Website or App according to Your interests.

3.4 We may use personal information to resolve disputes that may arise with the use of Our Services, help promote a safe service to all the Users of the Platforms, measure consumer interest in our services, customize your experience, detect and protect Us against error, fraud and other criminal activity, enforce Our terms and conditions.

3.5 We identify and use Your IP address to help diagnose problems with Our server, and to administer Our Platforms. Your IP address is also used to help identify You and to gather broad demographic information.

4. Sharing of Personal Information

4.1 We may share Your information with our affiliate and group companies and their respective officers and employees and/or third party service providers, if required, for the purpose of processing Your information on Our behalf. We also share Your information with the transaction processing platforms or mutual funds chosen by You for the purpose of completing the transaction initiated by You. In such an event, the receipt and usage of your information shall be in accordance with the privacy policies of such third party entities. We shall ensure that the recipients of such information agree to process the information based on Our instructions and in compliance with this Privacy Policy and other relevant confidentiality and security measures.

4.2 We share Your information with payment service providers and regulatory authorities in the event of any request from such authorities.

4.3 We may disclose Your personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our Users or the general public.

4.4 We and Our affiliates will share/sell some or all of the collected information with another business entity should We (or our assets) plan to merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business. Should such a transaction occur, that other business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to all the information collected.

4.5 We do not disclose personal information about identifiable individuals to advertisers, but We may provide them with aggregate and/or anonymized information about our Users to help advertisers reach the kind of audience they want to target. We may make use of the information We have collected from You to enable Us to comply with our advertisers' wishes by displaying their advertisement to that target audience.

4.6 We may share Your information with our sponsors, and/or business partners. Your Information could be shared so that you may receive newsletters, offers, information about new services, and other information, if applicable. The information collected from You and other users may be analysed in different manners.

4.7 We take backup of your data on the Platforms on our Cloud database, which is used to provide useful insights and information related to Users spends in a month, spend behaviour, patterns and user data, etc. in the form of aggregated and anonymized statistics on data such as user spends by category, date, time, bank balances, etc. It is clarified any such backed up data shall be encrypted.

5. Updating Personal Information

We shall make good faith efforts to provide You access to your information, upon request from You, and shall further ensure that any information found to be inaccurate or deficient shall be corrected, subject to any requirement for such information to be retained by law or for legitimate business purposes. We shall ask You to identify yourself and the information requested to be accessed, corrected or removed before processing such requests. We may decline to process requests that are unreasonable or extremely impractical, require disproportionate technical effort, jeopardize the privacy of others. Even after You delete Your information, residual copies may remain in our backup systems.

6. Information Safety

All information is encrypted and saved/stored on servers, which are secured with passwords and pins to ensure no unauthorised person has access to it. Once Your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

7. Third Party Links

We use third-party advertising companies to serve advertisements when You visit our Platforms. These companies may use information (not including your name, address, email address, or telephone number) about Your visits to this and other platforms in order to provide advertisements about services of interest to You.

8. Choice/Opt-Out

8.1 We provide all Users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from Us on behalf of our partners, and from Us in general, after providing Us with personal information. If You want to remove your contact information from all lists and newsletters, please contact support@moneyup.in. It is clarified that if Your number is registered as a DND number, that you will not receive any promotional messages/calls from the Company.

8.2 If You choose to unsubscribe from the Platform or delete any or all of your information, you may send an e-mail to support@moneyup.in. Please note, We may still retain some information, documents, and record of transactions as required by any law, contract or policy applicable to Us.