Privacy Policy

How we collect, use, and protect your personal information.

Last updated: January 1, 2026

GammaMoney is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform. Please read it carefully before using our services.

1. Information We Collect

We collect the following types of information when you use GammaMoney:

Personal Identification: Name, date of birth, PAN card number, Aadhaar number, address.
Contact Information: Mobile number, email address.
Financial Information: Bank account details, income, employment status, and bank statements.
Device & Usage Data: IP address, browser type, device identifiers, and app usage patterns.
KYC Documents: Identity proof, address proof, photographs, and other documents required by law.

2. How We Use Your Information

Your information is used for the following purposes:

To process your loan application and verify your identity (KYC).
To match you with suitable lending partners based on your profile.
To communicate with you about your application, repayments, and account updates.
To improve our platform services and personalize your experience.
To comply with legal and regulatory obligations under RBI guidelines.
To detect and prevent fraud, money laundering, and other illegal activities.

3. Information Sharing & Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

Lending Partners: RBI-registered banks and NBFCs who evaluate and process your loan application.
Credit Bureaus: CIBIL, Experian, Equifax, and CRIF High Mark for credit assessment.
KYC Partners: Government and regulated KYC verification services (e.g., DigiLocker, UIDAI).
Legal Authorities: When required by law, court order, or regulatory mandate.

4. Data Security

We implement industry-standard security measures to protect your data, including:

256-bit SSL/TLS encryption for all data transmission.
Secure cloud infrastructure with restricted access controls.
Regular security audits and vulnerability assessments.
Multi-factor authentication for all internal system access.

Your data is never sold to advertisers or marketing companies. We only share your information with parties directly involved in processing your loan application.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we may retain data for up to 7 years as required by Indian financial regulations (RBI guidelines).

6. Your Rights

You have the right to:

Access the personal information we hold about you.
Request correction of inaccurate or incomplete data.
Request deletion of your data (subject to legal and regulatory requirements).
Withdraw consent for marketing communications at any time.
Lodge a complaint with us or a regulatory authority.

7. Cookies

Our website uses cookies to enhance your browsing experience, analyze traffic, and remember your preferences. You can control cookie settings through your browser. Disabling cookies may affect certain features of our platform.

8. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or a prominent notice on our platform. Continued use of GammaMoney after changes constitutes acceptance of the updated policy.

9. Contact Us

For privacy-related queries or to exercise your rights, please contact our Data Protection Officer:

Email: privacy@gammamoney.in
Phone: +91 93060 62048
Address: New Delhi, India