Privacy Policy for moneyship

This Privacy Policy outlines the data collection by moneyship. This Policy is to make You aware of the procedures adopted by Us with respect to collection, use, storage, processing, disclosure and protection of any information provided by You, in the capacity of an individual, a guest user, browser and/or representative of an entity, who uses our Services (“User” or “You/r”).

This Policy is to be read in conjunction with Our Cookie Policy and Terms and Conditions. The term "Cookie Policy" as used under this Policy shall refer to Our Cookie Policy as made available at moneyship Cookie Policy, as revised from time to time by Us. The term "Terms and Conditions" as used herein shall refer to Our online terms of use as made available at moneyship.in/terms-service. as revised from time to time by Us. By providing your consent to use our Services, You agree to be bound by the Terms and Conditions and this Policy.

All capitalized terms used and not been specifically defined herein shall have the meaning ascribed to such terms under the Terms and Conditions, Cookie Policy and/or any applicable laws.

What happens to Your data collected by Us prior to May 25, 2018?

If we can identify that the information we have belongs to a user from the EU region, we'll send you an email to inform you about the data we hold and request your consent to continue storing and processing it. For questions, contact our Grievance Officer at the email address below.

If you withdraw your consent, we'll delete your information but may retain some data for legal purposes. Archived information won't be used and will only be disclosed to comply with legal requirements, court orders, or government requests.

User Consent

By using our Services, such as registering for an account, entering contests, or communicating with us through our websites or social media, you agree to consent to the collection, use, and sharing of your personal information as outlined in this Policy. If you reside in a country with data protection regulations, we may request explicit consent before providing our services. For roaming users or travelers, your primary country of registration will determine consent validity for personal information processing.

A) Collection and Use of Personal Information

Information Collected at the time of registration on Our Website

When You register using Your web accounts, including, without limitation, Facebook or Google account, We retrieve the following Information from Your account(s) to continue to interact with You and to continue providing You the Services. Information that We collect includes, but not limited to -

• Email ID
• Mobile number
• Location/IP address for geo-locating accurate up to 300 meters
• Device ID
• SMS for OTP

Information You provide to Us voluntarily

If you send us personal correspondence (e.g., emails, letters) or if others send us information about your activities on the Website, we may collect and store it. After registration, you can choose to share additional details like gender, date of birth, marital status, city, and debit/credit card bank names in your profile to receive relevant offers.

We may gather more information on different occasions, such as when you provide feedback, update content or email preferences, take part in surveys, leave comments, or contact us. This info may encompass your name, email, mobile number, and location.

B) Information automatically collected while browsing/navigating through the Website

Cookies

The Website employs necessary cookies and similar technologies to ensure its functionality. For details on essential cookies, please visit our Cookie Policy at moneyship.in/cookie-policy.

Do Not Track

The Website and Services currently do not process or respond to “Do Not Track” requests/signals which some internet browsers have the ability to send out.

C) Inferred Information through usage and log data

We may track certain information about You based upon Your behaviour while You avail the Services. We use this information for conducting internal research on our Users’ demographics, devices, interests, and behaviour to better understand, protect and serve Our Users.

We may also collect Your Information to track Your behaviour as a User and Your preferences for internal analytics and research. We may also use Your information:

• To evaluate Your interest for various genres of content, services, offers;
• To perform analytics and conduct customer research, to determine Your interest, for identifying content that generate sales and to analyse traffic patterns.

The above information may also be captured by keeping cookies on Our Websites by Our affiliates for the purposes mentioned above.

D) Information We collect from third parties

Information obtained from other Sources

We obtain data about you from online sources and add it to our account system per this Policy. To enhance targeted communication and promotions, we reference demographic information from various sources. Google Analytics is used to track user behavior, with reports being anonymous and non-associated with personally identifiable information. You can opt out of Google Analytics for Display Advertising and customize Google Display Network ads via Google's Ads Settings.

Information obtained from Third party websites

If You link, connect or login to third-party services they may send Us information such as Your registered e-mail id and public profile information from such third-party services, the indicative list of which is provided below;

• Facebook – Email ID and public profile information which includes name, profile picture, age gender etc.
• Google –Email id, language preference and age

Demographic and other information

We utilize external analytics providers to enhance targeted communication and promotions by referencing demographic data. These third-party services, including Google Analytics, track user behavior to understand demographics and interests. The reports are anonymous and not tied to personally identifiable information you've shared. You can opt in or out of receiving advertisements by providing or revoking consent when visiting our Website or applications.

Disclosure to Third parties

• Service Providers

The Application may contain links to other websites or applications (e.g., online stores). These sites have their own privacy policies beyond our control. When you leave our servers (check the URL in your browser's location bar), any information you provide is governed by the operator's privacy policy of the website or application you're visiting, which may differ from ours. If you can't find their privacy policy on the application/website homepage, contact the owners directly for more information.

• Business transfers

We provide personal information to Our affiliates and other trusted businesses or persons to process it for Us, based on Our instructions and in compliance with Our Privacy Policy and any other appropriate confidentiality and security measures. For example, We may use service providers to help Us with customer support.

Usage of Websites in European Region

This policy applies to our Websites, including mobile applications, in the European Region, which have been updated to comply with the European Union’s General Data Protection Regulations. Please update to the latest version of our Websites and delete unsupported applications to prevent the collection and storage of your information. If you use older versions or access discontinued services, we may collect, store, and process your information, for which we won't be responsible or liable.

Purposes and Lawfulness of processing

9We will only collect and process personal data about You where We have lawful basis. Lawful basis on which We would process Your personal data includes obtaining explicit consent from You for processing Your personal data or processing for “legitimate interests” where processing is necessary by Us to provide You with services (For e.g. processing Your information by Our group companies/affiliates).

We use and share personal data collected through the Services internally and with third parties to provide, analyse, administer, enhance and personalize Our service and marketing efforts, to process Your registration, to provide You Services, and to communicate with You related to below mentioned points. For example, We use information to:

• Analyse and understand Our audience, improve Our services (including Our user interface experiences), recommendation algorithms and delivery which may require sharing personal information with Our group companies and affiliates or third-party service providers;
• Determine Your account requirements and provide personalized suggestions, tips and recommendations, if any;
• Notify You about changes in Terms & Conditions and this Policy ;
• Sharing with Our customer support team, Data Protection Officer, data subject rights team and/or breach response team to resolve any incidents and/or Your queries/concerns related to Your rights or Services provided to You.

Information Use by the Company

The Information supplied by You enables Us to improve Our services and provide You the most user-friendly experience(s). In some cases for e.g. provision of certain service(s) or utility (ies), We may require Your contact information as well. All required information is service dependent, and the Company may use the above said user Information to, maintain, protect, and improve the services (including advertising on the “Application’) and for developing new services. We may also use Your email address or other personally identifiable information to send commercial or marketing messages with Your consent [with an option to withdraw Your consent (wherever feasible)]. We may, however, use Your email address without further consent for non-marketing or administrative purposes (such as notifying You of major changes, for customer service purposes, billing, for notifying You in case of any breach incidents, etc.).

When You register with the Services, We contact You from time to time about updating Your personal information to provide You features that We believe may benefit / interest You.

Information sharing

The Company shares Your information with any third parties without obtaining the prior consent of User in the following limited circumstances:

• When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms or for complying with the applicable laws and regulations.

How long do We store and use Your Information?

We retain the information which We have collected no longer than is necessary. This is determined on a case by case basis and required by local applicable laws. We will delete Your information whenever You request Us to do so. However, We may archive and/or retain some information for legal purposes to ensure our compliance with the applicable laws.

Your Controls and Choices

For any of the below request You may send Us an e-mail to Our support team.

A) Accessing and rectifying Your personal information

Information Collected at the time of registration on Our Website

When using our Website/application, we make reasonable efforts to grant you access to your personal information and correct any inaccuracies upon your request. You'll need to identify yourself and specify the information to be accessed or corrected. We may decline requests that are excessive, technically challenging, threaten privacy, or are impractical, except when legally required. This service is generally provided at no cost unless it entails a disproportionate effort.

You can ask Us to correct inaccurate or incomplete personal information

• Concerning Your login credentials by editing the same through Profile & Settings section. The same shall be reflected across all properties.
• Concerning details that are separately collected and maintained by moneyship, by sending an e-mail to Our support team at support@moneyship.in to perform the rectification.

B) Data Portability

You may also be entitled to request copies of personal information that You have provided to Us in a structured, commonly used, and machine-readable format; wherever feasible. If You are registered on the Website , then you can request for a copy of this information by writing to Us at support@moneyship.in

C) Data Retention and Erasure

We retain Your personal information as long as necessary for Us to provide Services to You, to comply with the applicable laws or till You ask Us to not retain Your data. If You no longer want Us to use Your information, then You can request that We erase Your personal information and close Your Website account. Please note that if You request for the erasure of Your personal information;

• We may retain some of Your personal information as necessary for Our legitimate business interests, such as fraud detection and prevention and enhancing safety. For example, if We suspend the Website account for fraud or safety reasons, We may retain certain information from that account to prevent that user from opening a new account in the future.
• Because We maintain copies of personal information to protect from accidental or malicious loss and destruction, residual copies may take a period of time before they are deleted from Our active servers and may remain in Our backup systems.

You can request for deletion of Your information by writing to us at support@moneyship.in. Your request will be processed and You will receive confirmation of the same via email. Please note that this will only perform a deletion of the information that has been collected by moneyship and will disable Your login information for moneyship.

D) Withdrawing Consent and Restriction of Processing

For withdrawing Your consent at any time during the tenure of Your services with Us, You may choose to do so by sending Us an e-mail. We shall review Your request and may ask You to verify Your identity. Post verification We will withdraw the consent for which request was made by You and stop any further processing of Your personal information.

E) Objection to Processing

If your personal information is used for direct marketing, contests, promotions, or other services, you can request us to stop processing your data for these purposes at any time by emailing us. We may ask for identification and details of the information to be accessed, corrected, or removed and may decline requests that are excessive, technically challenging, or impractical, except when legally required. This service is generally provided at no cost unless it entails a disproportionate effort.

F) Complaints

You can write to Us in case of any grievance or compliant at the support e-mail address. If You have any complaints regarding processing of Your personal information You may contact Our data protection officer at the below mentioned e-mail address.

Phishing

If you receive a suspicious email from us, avoid replying, opening attachments, clicking on links, or sharing information. Report suspected fraud to support@moneyship.in with "phishing" in the subject line, including details about the fraudulent activity. We never request payment info, usernames, or passwords via email, but we may verify the details provided by you as needed.

Children’s Privacy

moneyship is not intended for individuals under 18 years of age, and we do not knowingly allow anyone under 18 to register or provide personal information. If we discover that we've collected personally identifiable information from someone under 18 without parental consent, we'll delete it and inform the parent. We believe it's the responsibility of parents to monitor their children's use of our services. Our policy is not to collect or process personal information from those under 18 or send them promotional materials. If a parent or guardian suspects a minor provided us with information without consent, please contact our Data Protection Officer team to remove the data from the Website.

Security measures

We employ security measures to prevent unauthorized access, alteration, disclosure, or data destruction. These measures include internal reviews, encryption, and physical security for data protection. Information is stored securely in our controlled database on cloud servers behind firewalls with limited password-protected access. While our security is robust, no system is entirely impervious. If you suspect unauthorized use or compromise of your moneyship account credentials, please contact our Data Protection Officer immediately at the provided email address.

Updates and Changes

We may update our privacy policy as needed due to technology, legal changes, or other factors. Any changes will take effect immediately upon notice, which may be through posting on the Website or email communication. It's advisable to periodically review this Policy on the Website.