MoneyGuru Financial Advisory Services (hereinafter referred to as “MoneyGuru/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) with regard to privacy, confidentiality and security of their Personal Information that resides with us. Keeping Personal Information of customers secure and preventing any misuse thereof is of top priority for us

MoneyGuru is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with the best industry practice to protect the confidentiality of the customer information and its transmission through website and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the ‘Terms of Use’ of Website or agreement, if any, with the customers.

This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided to our websites such as www.moneyguru.ind.in (hereinafter referred to as “Website”) & how we use that information in connection with our service offered through the Website (hereinafter called as "Service").

Personal Information

Personal Information (which may be a Sensitive Information “SI”) means any information/documents/details that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the MoneyGuru, is capable of identifying such person.

Applicability

This Policy is applicable to the Personal Information (including but not limited to details pertaining to your name, parentage, marital status, nationality, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, e-KYC through UIDAI, other Know Your Customer (KYC) documents like address proof, identity proof, income proof, PAN or such other officially valid documents/details (OVDs) accepted for concluding a financial transaction) which are shared/ uploaded by you, as and when you avail the products and services vide the online application forms and questionnaires through usage of website and which MoneyGuru may become privy to. By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website and to our online customers. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy. MoneGuru reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.

Express Consent

You while providing the details/documents over the website, including but not limited to Personal Information as mentioned hereinabove, expressly consent to MoneyGuru (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the website, for imparting product knowledge, offering promotional offers running on website & various other offers offered by its partners on the sites

The usage of the website may also require you to provide consent for keying in/uploading your Personal Information and Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the website. Sensitive information keyed in/uploaded shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted/availed by you.

In furtherance to your usage of the website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC/DND check required for the number you have left on our website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.

We reserve the right (and you expressly authorize us) to share or disclose your Personal Information/Sensitive Information when MoneyGuru determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

Purpose and Usage

MoneyGuru will not sell or rent your Personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners, where we feel that they will be able to assist you better for financial product transaction/related transaction. MoneyGuru uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website.

Further, it enables MoneyGuru to:

  • Analyse usage of the website and to improve the Service
  • Send you any administrative notices, offer alerts and communications relevant to your use of the service
  • Enable you to apply for certain products and services for which you have chosen to apply;
  • Carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity
  • Bind third-party contractors that provide services to MoneyGuru and are bound by these same privacy restrictions;
  • Comply with all applicable laws and regulations;
  • Enforce MoneyGuru Terms of Use

In the event that you access the Service as brought to you by one of our partners either through the Website (www.moneyguru.ind.in) or on being redirected from a co-branded URL otherwise referred to as a white-label site, your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, PAN, details of loan or any other financial product status as may be provided to that partner when your application is submitted and whenever the status of application is updated.

For availing the Service such as applying for a loan or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant

We may also use third party service providers to provide the service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.

Disclosure / Sharing

MoneyGuru does not disclose sensitive personal data or Personal Information of a customer except as directed by law or as per mandate received from the customer/applicant. Upon your written request MoneyGuru will provide you with information on whether we hold any of your personal information. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

  • To help complete a transaction initiated by you.
  • To perform support services through a third party service provider, provided it conforms to the Privacy Policy of the MoneyGuru and your prior consent to do so
  • You have specifically authorized it
  • The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process
  • The information is shared with Government agencies mandated under law
  • The information is shared with any third party by an order under the law
  • 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.
Intimation by customers regarding change in registration information

If your Registration Information provided to us when you had applied for a product on our Website or Sites changes, you may update it whenever you apply for a new product via our Website or Sites. To review and update your Personal Information and to ensure that the same is accurate while your application is in process, you may contact us at inquiry@moneyguru.ind.in. You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information.

Note: We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at inquiry@moneyguru.ind.in. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.

Email & SMS communications from us and our partners:
We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting third-party products. Our Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.

Log Files:
This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.

Tracking Technologies:
MoneyGuru portal/website may use cookies or similar technologies to analyse trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

Behavioural Targeting / Re-Targeting:
We partner with a third party service provider to either display advertising on our Website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website/web portal and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may write us at inquiry@moneyguru.ind.in. for opting out. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Third parties will not be given your Personal Information unless you direct MoneyGuru to do so:There are a number of products and services, such as loans and other financial products being offered by third parties on our Website, such as lenders, banks, financial companies, NBFC (collectively "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. MoneyGuru is not responsible for their privacy practices.

Additional Policy Information Widgets:
Our website includes Widgets, which are interactive mini-programs that run on our Website to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal Information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it and not by the MoneyGuru

Single Sign-On:
You can log in to our Website using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain Personal Information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Website to your profile page to share with others within your network.

Like Button:
If you use the "Like" button to share something that item will appear on your Facebook profile page and also on your friends’ newsfeed depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this Website or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.

Links to 3rd Party Sites:
Our Website includes links to other websites whose privacy practices may differ from those of www.moneyguru.ind.in. If you submit your Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

You are responsible for maintaining the confidentiality of your login id and password:
You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at inquiry@moneyguru.ind.in. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or Terms of Use.

If you have any security related concern, please contact us at inquiry@moneyguru.ind.in. We will work closely with you to ensure a rapid and personal response to your concerns.

Contact us with any questions or concerns (Grievance Redressal):
If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to inquiry@moneyguru.ind.in.

www.moneyguru.ind.in (MoneyGuru Financial Advisory Services),
308,Saffron Tower,
Fatehgunj,
Vadodara – 390002,
Gujarat, India