Moneyature.com (“we”, “our”, or “us”) values your privacy and is committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, store, share, and protect your data when you interact with our website and services.

By using Moneyature.com, you acknowledge that you have read and agreed to the terms outlined in this Privacy Policy. If you do not agree, please refrain from using our platform.

1. Scope and Application

This policy applies to all users of Moneyature.com in India and the United States, and covers all products, services, tools, and digital content we offer via our website.

2. What Data We Collect

We collect different categories of information depending on how you interact with us:

a. Basic Identification Data

• Name, email, phone number, gender, country, and address

b. Government and Financial Details

• Aadhaar, PAN (India only), bank account info, credit/debit card numbers (masked), UPI ID

c. Device and Usage Data

• IP address, browser type, operating system, device model, session logs, user behavior analytics

d. Communication Data

• Chat history, emails, support tickets, feedback, surveys

e. Employment & Background Data

• Resume, qualifications, profession, employer details (if applying for jobs)

f. SMS & App Data (with consent)

• Transactional SMS content (used solely for financial insights; personal or OTP messages are ignored)

3. How We Collect Your Data

We gather information through:

• Direct submissions (forms, subscriptions, contact requests)
• Automatic collection via cookies and tracking tools
• Integrated services (e.g., signing in via Google or LinkedIn)
• Third-party providers (e.g., analytics platforms, advertisers)

4. Legal Grounds for Processing

We process your personal data under the following lawful bases:

• Your explicit consent
• Performance of a contract (e.g., providing access to tools or newsletters)
• Legal obligation (e.g., KYC for financial services)
• Legitimate interest (e.g., fraud prevention, service improvement)

5. How We Use Your Data

Your data helps us:

• Personalize your experience and deliver tailored content
• Communicate with you (via email, WhatsApp, or notifications)
• Send newsletters, promotions, and financial alerts
• Verify identity and prevent fraud
• Conduct data-driven improvements
• Manage user accounts and subscriptions
• Process payments and cashbacks
• Conduct internal research and development

6. Data Protection and Security

We implement strict physical, electronic, and managerial safeguards to protect your data against loss, misuse, or unauthorized access. While we strive for 100% security, we cannot guarantee absolute protection due to the nature of the internet.

7. Your Rights

You have the right to:

• Request a copy of your personal data
• Update or correct inaccuracies
• Withdraw your consent at any time
• Request deletion of your data (subject to legal limits)
• Object to marketing communications
• Nominate someone to exercise these rights in case of incapacity

To exercise these rights, email us at: info@moneyature.com

8. Third-Party Sharing

We may share your data with:

• Payment gateways and banking partners
• Email, SMS, and CRM providers
• Advertising and analytics services (e.g., Google Analytics)
• Legal or regulatory authorities upon lawful request
• Partners in case of mergers, acquisitions, or restructuring

We do not sell your personal data.

9. International Transfers

If your data is processed outside your country (e.g., in the US or EU), we ensure that it is protected under data protection regulations applicable to those jurisdictions.

10. Data Retention

We retain personal data only as long as it is necessary for the purpose it was collected, or as required by law. Upon request, we will delete your data unless retention is legally required.

11. Children’s Privacy

Moneyature.com is not intended for users under the age of 18. We do not knowingly collect data from minors. If you believe a child has submitted their information, contact us immediately to have it removed.

12. Updates to This Policy

We may modify this Privacy Policy from time to time. Changes will be reflected on this page with the updated date. We recommend reviewing this page periodically.