Privacy Policy

moneybharat.net website And Mobile Application is owned by Spyra Exim Pvt Ltd , which is a data controller of your personal data.

We have adopted this Privacy Policy, which determines how we are processing the information collected by moneybharat.net, which also provides the reasons why we must collect certain personal data about you. Therefore, you must read this Privacy Policy before using moneybharat.net website and Money Bharat Mobile App.

We take care of your personal data and undertake to guarantee its confidentiality and security.

Personal information we collect:

When you visit the moneybharat.net, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the installed cookies on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products you view, what websites or search terms referred you to the Site, and how you interact with the Site. We refer to this automatically-collected information as “Device Information.” Moreover, we might collect the personal data you provide to us (including but not limited to Name, Surname, Address, payment information, etc.) during registration to be able to fulfill the agreement.

Why do we process your data?

Our top priority is customer data security, and, as such, we may process only minimal user data, only as much as it is absolutely necessary to maintain the website. Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding website usage. This statistical information is not otherwise aggregated in such a way that it would identify any particular user of the system.

You can visit the website without telling us who you are or revealing any information, by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the website’s features, or you wish to receive our newsletter or provide other details by filling a form, you may provide personal data to us, such as your email, first name, last name, city of residence, organization, telephone number. You can choose not to provide us with your personal data, but then you may not be able to take advantage of some of the website’s features. For example, you won’t be able to receive our Newsletter or contact us directly from the website. Users who are uncertain about what information is mandatory are welcome to contact us via support@moneybharat.net.

Information We Collect

We may collect the following types of information from users when they create an account or use the App:

• Personal Information: Name, email address, mobile number, PAN number, KYC details, and other identification information required for mutual fund investments.

• Financial Information: Bank account details, investment history, transaction data, and payment details.

• Technical Data: Device type, IP address, operating system, and app usage data (such as crash reports).

• Location Information: If you permit, we may collect geolocation data for certain features.

How We Use Your Information

We may use your information for the following purposes:

• To process transactions and manage your mutual fund investments.

• To verify your identity and complete KYC processes as required by regulatory authorities.

• To improve our services, including troubleshooting, data analysis, and app performance monitoring.

• To communicate with you regarding your account, investments, and any updates to our services.

• To comply with legal and regulatory obligations.

Data Security

We implement industry-standard security measures, such as AES 256-bit encryption, to protect your personal and financial information. However, no data transmission over the internet can be guaranteed to be 100% secure.

Sharing Your Information

We do not share your personal information with third parties, except in the following circumstances:

• With regulatory bodies, mutual fund companies, and authorized service providers to facilitate your investments.

• In response to legal requests or compliance with regulatory obligations.

• With our trusted service providers who assist us in delivering the App's services, under strict confidentiality agreements.

Your Rights

You have the right to:

• Access, correct, or delete your personal information.

• Withdraw your consent to the processing of your data.

• Request that we stop sending you marketing communications.

Data Retention

We will retain your personal data only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Third-Party Services

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices or the content of such external sites.

Children's Privacy

The App is not intended for users under the age of 18. We do not knowingly collect personal information from individuals under 18 years old.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes through the App or by email.

Your rights:

If you are a European resident, you have the following rights related to your personal data:

• The right to be informed.

• The right of access.

• The right to rectification.

• The right to erasure.

• The right to restrict processing.

• The right to data portability.

• The right to object.

• Rights in relation to automated decision-making and profiling.

If you would like to exercise this right, please contact us through the contact information below.

Additionally, if you are a European resident, we note that we are processing your information in order to fulfill contracts we might have with you (for example, if you make an order through the Site), or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information might be transferred outside of Europe, including Canada and the United States.

Links to other websites:

Our website may contain links to other websites that are not owned or controlled by us. Please be aware that we are not responsible for such other websites or third parties' privacy practices. We encourage you to be aware when you leave our website and read the privacy statements of each website that may collect personal information.

Information security:

We secure information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use, or disclosure. We keep reasonable administrative, technical, and physical safeguards to protect against unauthorized access, use, modification, and personal data disclosure in its control and custody. However, no data transmission over the Internet or wireless network can be guaranteed.

Legal disclosure:

We will disclose any information we collect, use or receive if required or permitted by law, such as to comply with a subpoena or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

Contact information:

If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to individual rights and your Personal Information, you may send an email to support@moneybharat.net.