Privacy Policy (“we”, “us” , “” , “”, which expressions, unless repugnant to the context thereof, shall include its subsidiaries) is committed to protecting the privacy of the users (“you” / “your” / “yourself“) of its website / software applications offered by (collectively, “Applications“) and has provided this privacy policy (“Policy“) to familiarize you with the manner in which uses and discloses your information collected through the Applications.

The terms of the Policy provided herein govern your use of any and all of the Applications and the information accessible on or from these Applications. The Policy also lays down how may collect, use and share any information you provide. reserves the right, at its discretion, to change, modify, add or remove portions of this Policy at any time. recommends that you review this Policy periodically to ensure that you are aware of the current privacy practices.

This Policy shall be construed as provided in compliance with Information Technology Act, 2000 as amended and read with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

Collection of Information

    • I. may collect the following two types of information:
      • a. “Personal Information” which shall mean information which could reasonably be used to identify you personally, such as your name, email address, registration account details, physical address or other relevant personal details; and demographic information, such as gender, pin code or similar information. For the purpose of this policy, sensitive personal data or information has been considered as a part of Personal Information, which may include information such as password, financial information (details of bank account, credit card, debit card, or other payment instrument details).b. “Non-Personal Information” which shall mean information that does not identify you or any other individual, and includes session, web beacons and usage data, log data and aggregate information. We use this information to inter-alia deliver our web pages to you upon request, to tailor our Application/website to the interests of our users, to measure traffic within our Application/website, to improve the Application/website quality, functionality and interactivity and let advertisers know the geographic locations from where our visitors come.

        c. may install cookies or other similar data collection software in your computer system/device for such purpose and you hereby consent to the same. We may use “cookies”, beacons or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user’s individual interests using the identified computer. Unless you voluntarily identify yourself (through registration, for example), we will have no way of knowing who you are, even if we assign a cookie to your computer. The only personal information a cookie can contain is information you supply. A cookie cannot read data off your hard drive. Our advertisers may also assign their own cookies to your browser (if you click on their ads), a process that we do not control.

  • II. You represent that the information or data you provide from time to time is and shall be correct, current and updated and you have all the rights, permissions and consents to provide such information or data. Your providing the information or data and’s consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third party agreement, laws, judgments, orders or decrees.

Use of Information

    • I. You may need to provide with your Personal Information while registering yourself on any of the Applications. The information so provided by you to or otherwise captured by may be used for a number of purposes connected with’s business operations which may include the following:
      • a. Processing orders or applications;b. Provisioning of services, testing or improvement of services, recommending various products or services including those of third parties;

        c. Dealing with requests, enquiries and complaints, customer services and related activities;

        d. Marketing products and services of and its analysis;

        e. Responding to your queries and fulfilling your requests for information regarding the Applications;

        f. Notifying you of any new offers or services of and sending you important information regarding the Applications, changes to any of’s policies and/or other administrative information;

        g. Keeping you informed about the latest content available on the Applications and special offers with respect to the same;

        h. Sending you surveys and marketing communications that believes may be of interest to you;

        i. Conducting internal reviews and data analysis for the Applications;

        j. Personalizing your experience while using the Applications by presenting advertising, products and offers tailored to you;

        k. If you wish to subscribe to any content package or service offered by through the Applications, for completing your purchase. (For example, to have your payments processed, communicate with you regarding your purchase and provide you with related customer service);

        l. Improving the services, content and advertising on the Applications;

        m. Protecting the integrity of the Applications; and

        n. Responding to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law.

    • II. Your Personal Information will be kept confidential to the maximum possible extent and will be used to support your relationship with, to notify you of any updated information and new activities and other related functions offered by Any personally identifiable information provided by you will not be considered as sensitive if it is freely available and / or accessible in the public domain. Further, any comments, messages, blogs, scribbles etc. posted/uploaded/conveyed/communicated by users on the public sections of the Application becomes published content and is not considered personally identifiable information subject to this Policy.
    • III. may use Personal Information to verify whether you are entitled to access and use the Applications and the products and services made available through the Applications. This Personal Information may also be used to enable to enhance your experience of the Applications.
  • IV. Further, with respect to Non-Personal Information automatically collected and stored in files, uses this information to understand and analyse trends, to administer the Applications, to learn about user behaviour on the Applications, and to gather demographic information about the user base as a whole. may use this information in its marketing and advertising services. may also use such information to measure traffic patterns on the Applications. As Non-Personal Information does not personally identify you, may use and disclose Non-Personal Information for any purpose.


    • I. does not sell or rent Personal Information. Personal Information may be disclosed under the following circumstances:
      • a. may disclose your Personal Information to its affiliates, group companies, consultants, vendors and contractors who provide various services including, contact information verification, payment processing, customer service, website hosting, data analysis, infrastructure provision, IT services, and other similar services, under confidentiality restrictions, in order to enable such vendor and service providers to provide the services subscribed to by you;b. may provide your information or data to its partners, associates, advertisers, service providers or other third parties to provide, advertise or market their legitimate products and/or services which may be of your interest. You will have the choice to ‘opt out’ of such marketing or promotional communications at your will; and

        c. As necessary or appropriate:

        • in any manner permitted under applicable law, including laws outside your country of residence;
        • to comply with legal process whether local or foreign;
        • to respond to requests from public and government authorities, including public and government authorities outside your country of residence;
        • to enforce’s terms and conditions;
        • to protect’s rights, privacy, safety or property, and/or that of’s affiliates, you or others; and
        • to allow to pursue available remedies or limit the damages that may sustain.

        d. We may disclose to third party services certain personally identifiable information listed below:

        • Information you provide us such as name, email, mobile phone number.
        • Information we collect as you access and use our service, including device information, location and network carrier.

        e. This information is shared with third party service providers so that we can:

        • Personalize the app for you
        • Perform behavioural analytics.
    • II. Your consent being part of the terms and conditions through which provide you with a service. your consent to collecting Personal and Non-Personal Information may be implicit or implied or through course of conduct.
    • III. Application may present display advertising and may collect data about traffic via Google Analytics or any equivalent analytical tool, Demographics and Interest Reporting.

Information Security and Storage

    • I. uses reasonable security measures, at the minimum those mandated under the Information Technology Act, 2000 as amended and read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, to safeguard and protect your data and information. implements such measures, as stated above, to protect against unauthorized access to, and unlawful interception of, Personal Information. You accept the inherent security implications of providing information over Internet/ cellular/data networks and will not hold responsible for any breach of security or the disclosure of Personal Information unless has been grossly and wilfully negligent.
    • II. Your information or data will primarily be stored in electronic form. However, certain data can also be stored in physical form. may store, collect, process and use your data in countries other than the Republic of India but under full compliance with applicable laws. may enter into agreement with third parties (in or outside of India) to store your information or data. These third parties may have their own security standards to safeguard your information or data and will on commercial reasonable basis require such third parties to adopt reasonable security standards to safeguard your information / data.
    • III. Notwithstanding anything contained in this Policy or elsewhere, shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event. A “Force Majeure Event” shall mean any event that is beyond the reasonable control of and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, etc.

Third Party Websites, Applications and Services

The Application/website may include links to other websites/applications. Such websites/application are governed by their respective privacy policies, which are beyond our control. Once you leave our servers (you can tell where you are by checking the URL in the location bar on your browser), use of any information you provide is governed by the privacy policy of the operator of the website/application you are visiting. That policy may differ from ours. If you can’t find the privacy policy of any of these websites/application via a link from the website’s homepage, you should contact the website/application directly for more information.

Access, Correction and Deletion provides you with all information that maintains about you such as the transaction and contact information upon proper verification. This may be provided to you on request, in case you experience any doubts. You may request access and/or correct the information has collected from you by contacting at If you wish to have the information or data that you have provided to deleted, you can always do so by sending a request to us on the e-mail id. You may note that correction or deletion of certain information or data may lead to cancellation of your registration with the Application(s) or your access to certain features of the Application(s). You also agree and acknowledge that certain data or information cannot be corrected or deleted or prohibited to be deleted as required under any applicable law, law enforcement requests or under any judicial proceedings.

If you have questions or concerns about this Policy, please contact at




1.1 This Privacy Notice (“Notice”) outlines Moneycontrol Dot Com India Limited’s (“Company”, “we”, or “us”) practices in relation to the storage, use, processing, and disclosure of Personal Information that you have chosen to share with us when you access or use the Credit Information services feature on the mobile application or (the Credit Information services feature on the mobile application or is referred to as the “Platform”).

1.2 The services we offer you on or through the Platform are referred to as “Services”. Please note that unless specifically defined in this Notice, capitalised terms shall have the same meaning ascribed to them in our Credit Information Services Terms and Conditions, available at (“Terms”) or the Policy. Please read this Notice in consonance with the Terms and the Policy. For the avoidance of doubt, please note that this Notice sets out the specific datasets we process when you access the Platform. Our processing activities in relation to other services offered by the Company and its affiliates are set out in the Policy.

1.3 At the Company, we are committed to protecting your Personal Information and respecting your privacy. Please read the following terms of the Notice carefully to understand our practices regarding your Personal Information and how we will treat it. This Notice sets out the basis on which any Personal Information we collect from you through the Platform, we collect about you, or that you provide to us, will be processed by us.

1.4 By providing us with the consent to process your Personal Information, you acknowledge that we will collect, store, use, and disclose your Personal Information through the Platform in accordance with this Notice.


2.1 Please note that we only collect and process your Personal Information to provide you with the Services. Such Personal Information includes:

    • (a) Identity Data: This includes your first and last name.
    • (b) Contact Data: This includes your phone number and email address.
    • (c) Technical Data: This includes your IP addresses, browser types and versions, time zone settings and locations, operating systems, and other technology on the devices you use to access the Platform.
    • (d) Usage Data: This includes data on how you use the Platform such as the time you spend on the Platform or the date and time of your visit.
    • (e) Credit Data: This includes Credit Information, Credit Information Report and/or Credit Score made available by Credit Information Companies.
    • (f) Marketing Data: This includes marketing and communications data, including your preferences in receiving marketing from us and our third parties and your communication preferences.

2.2 We may also collect, use, and share aggregated data such as statistical or demographic data for any purpose. Aggregated data could be derived from your Personal Information but is not considered personal data or information under applicable laws.


3.1. We use different methods to collect and process Personal Information about you. This includes:

    • (a) Information you provide us: This is the information you consent to give us or make available to us when you use the Services or when you correspond with us (for example through the Platform). It includes information you provide when you register to use the Services, use a Platform feature, share data through the Platform, or when you report a problem with the Platform and the Services. If you contact us, we will keep a record of the information shared during the correspondence.
    • (b) Information we collect about you and your device: Each time you visit the Platform or use the Services, we will automatically collect Personal Information through the use of tools like cookies.
    • (c) Information we receive from other sources including third parties and publicly available sources:
      • (i) We may receive Personal Information about you from various third parties and public sources including our analytics services providers, advertising networks, search information providers, credit information companies, and other publicly available sources.
      • (ii) We will also collect Credit Data about you with your authorisation from third parties.

3.2. Please note that we do not have any control over Personal Information that you may choose to make publicly available or that is made available to us by third parties. For example, if you post reviews, comments, or messages on public sections of the Platform or on an application store (such as the Play Store), you do so at your own risk. We are not liable for third-party misuse of such data.


4.1 We will only use your Personal Information in accordance with the applicable law. Most commonly, we will use your Personal Information to provide you with the Services, or where we need to comply with a legal obligation.

4.2 You agree and acknowledge that by using the Services you authorize us, our associate partners, and affiliates to contact you via email, phone, or otherwise. This is to ensure that you are aware of all the features of the Services.

4.3 In general, we use your Personal Information for the following purposes and activities:

    • To provide you with the Services;
    • To manage our relationship with you, including notifying you of changes to any Services;
    • To administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations;
    • To deliver content to you;
    • To send you communication, including through WhatsApp business messages, in relation to your use of the Platform or Services;
    • To monitor trends so we can improve the Platform and Services;
    • To perform analytics and derive insights;
    • To improve our business and delivery models;
    • To perform our obligations that arise out of the arrangement we are about to enter or have entered with you;
    • To enforce our Terms;
    • To undertake marketing services, including sending you promotional messages;
    • To respond to court orders, establish or exercise our legal rights, or defend ourselves against legal claims;
    • To comply with the Reserve Bank of India’s norms;
    • To ensure compliance with applicable laws; and
    • To assist our partners, affiliates, and subsidiaries in providing products and services to you.

4.4 We will not share your Credit Data with third parties under any circumstance.


5.1 You agree and acknowledge that any and all information pertaining to you, whether or not you directly provide it to us (via the Services or otherwise), including but not limited to personal correspondence such as emails, instructions from you, etc., may be collected, compiled, and shared by us with third parties after obtaining your explicit consent, solely in order to render the Services to you, except where prohibited by applicable law or by credit information companies. This may include but not be limited to our storage providers, data analytics providers, consultants, lawyers, and auditors. We may also share this information with other entities in the Moneycontrol group in connection with the abovementioned purposes. If you fail to provide consent for sharing of such data when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you. In this case, we may not be able to provide the Services to you.


6.1 In addition to the rights detailed under the Policy, under certain circumstances you may also have the right to revoke or withdraw your consent to the processing of your Personal Information.

6.2 We will facilitate your request to exercise such rights subject to the provisions of applicable laws relating to the processing and storage of data. If you wish to exercise any of the rights set out above, please write an email to the Grievance Officer, whose details are mentioned in Section 13 of this Notice, providing in as much detail as possible, the right(s) you wish to exercise. Please also include a description of the Personal Information you believe we hold or process about you, so that we may be able to locate such Personal Information. In the event that we need additional information from you, our Grievance Officer will contact you further.


7.1 We implement appropriate security measures to protect your Personal Information from unauthorised access and follow technology standards prescribed by applicable law.


8.1 Your Personal Information will be stored and retained by us for a reasonable period after we accomplish the purpose for which it was collected, in accordance with applicable law. Please note that certain datasets may be subject to shorter retention periods as may be prescribed by applicable laws or credit information companies. In such cases, we shall comply with these requirements.


9.1 The Services may, from time to time, contain services provided by or links to and from the websites of our partner networks, service providers, financial institutions, advertisers, and affiliates (“Third Party Services”). Please note that the Third Party Services that may be accessible through the Services are governed by their own privacy policies. We do not accept any responsibility or liability for the policies or for any Personal Information that may be collected through such Third Party Services. Please check their policies before you submit any Personal Information to such websites or use their services.


10.1 We may use cookies and other tracking technologies to distinguish you from other users of the Services and to remember your preferences.

10.2 To learn more about our cookie practices, you may visit our Cookie Policy available at .


11.1 You agree and acknowledge that in the event we go through a business transition, such as a merger, acquisition by another organisation, or sale of all or a portion of our assets, your Personal Information might be among the assets transferred.


12.1 We keep our Notice under regular review and may amend it from time to time, at our sole discretion.

12.2 The terms of this Notice may change and if it does, these changes will be posted on this page and, where appropriate, notified to you by email or phone number through SMS, in accordance with applicable law.


13.1 You may contact our Grievance Officer with any enquiry relating to this Notice or your Personal Information: