Privacy & Security

PrivacyPolicy

Your privacy is fundamental to our mission. Learn how we collect, use, and protect your personal information with complete transparency.

“Your data privacy is important to us, and we comply with all regulations.”

Last Updated: Sep 02, 2025
~8 min read

Privacy at a Glance

Data Collection

Only essential information for services

Data Usage

Service delivery and legal compliance

Data Sharing

Limited to service partners only

Your Rights

Access, correct, or delete your data

Our Commitment to Your Privacy

MoneyKarma's privacy policy is governed by one fundamental principle - maintain your trust and confidence when handling your personal information in strict compliance with regulations including the Information Technology Act 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules 2011, and the Reserve Bank of India's guidelines on data protection.

You will always be able to choose what personal information you provide to us and how such information is used - all our forms/registrations will have an explicit opt-out clause as required under data protection regulations. However, please note we may not be able to provide you with our services if you do not provide us with the requested information. We will protect your personal information by maintaining physical, electronic, and procedural safeguards as per law, including implementing the SOC2, ISO/IEC 27001:2022 standards as recognized by authorities.

We will train our employees in the proper handling of personal information. When we use other companies to provide services, we require them to protect the confidentiality of the personal information we receive from you. Our privacy policy describes how we handle your information when you visit our website, use our mobile application, and receive emails / SMS from MoneyKarma.

MoneyKarma is committed to maintaining the confidentiality, integrity, and security of all its users' information. This Privacy Policy describes how MoneyKarma collects, stores, handles, and transfers certain information received from you via the use of the Website or a Mobile App on a need basis. This Privacy Policy applies to our Website or Mobile App visitors and our existing and future customers. By visiting and/or using our Website, you accept and consent to the practices described in this Privacy Policy.

This policy does not cover information you may provide to third-party websites we advertise or social media sites where we have a profile. The privacy policies on those sites will govern these. We recommend reviewing their policies if you access such services through our links.

By using or continuing to use the MoneyKarma websites, you agree to our use of your information (including sensitive personal information as defined under the applicable laws including, but not limited to, Information Technology Act 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules 2011, applicable rules, notification, etc.) in accordance with this Privacy Policy, as may be amended from time to time by MoneyKarma at its sole discretion. This consent is in compliance with the requirements of data protection laws.

Changes to Privacy Policy

Controllers of Personal Information

What Personal Information We Collect

How We Use Information

Purpose of Collecting Information

Disclosure to Third Parties

Data Security

Data Storage

Provisions in line with RBI's Digital Lending Guidelines

Third-Party Advertisers and Links

Policy Exceptions

Data Grievance Officer

Questions About Your Privacy?

Our privacy team is here to help. Contact us with any questions about how we handle your personal information.

Secure & Trusted

Your Security is Our Priority

SOC 2 Certified
24/7 monitoring
256-bit SSL
Bank-level encryption
ISO 27001
Certified secure
Data Protected
Your data is secure