Privacy Policy

At Money Growth Service (moneygrowthservice.com), we take your privacy seriously. This Privacy Policy describes how we collect, use, and protect your personal information when you use our website and financial services.

1. Information We Collect

Personal Information: Name, email, phone number, address, PAN, Aadhaar (masked), income details, employment details, bank statements when you apply for loans or investment services.

Technical Information: IP address, browser type, device information, cookies, pages visited, time spent on site via Google Analytics.

Financial Information: Credit score, CIBIL report (with consent), loan requirements, investment goals.

2. How We Use Your Information

• To process loan applications and compare offers from 30+ banks/NBFCs
• To provide tax advisory, wealth planning, and insurance recommendations
• To communicate application status, offers, and financial insights
• To improve our website, services, and customer support
• To comply with RBI, SEBI, IRDAI regulatory requirements
• To send newsletter (only if subscribed) - you can unsubscribe anytime

3. Data Sharing & Disclosure

We share your information only with: (a) Partner banks/NBFCs/insurers for loan/insurance processing with your explicit consent, (b) Credit bureaus (CIBIL, Experian) for credit checks, (c) Government authorities when legally required, (d) Service providers (payment gateways, cloud hosting) under strict confidentiality agreements. We NEVER sell your data to third parties for marketing.

4. Data Security

We use 256-bit SSL encryption, ISO 27001 certified servers, two-factor authentication for advisor access, and regular security audits. PAN/Aadhaar stored in encrypted format with restricted access. Despite best measures, no internet transmission is 100% secure.

5. Cookies

We use essential cookies for site functionality and analytics cookies to understand user behavior. You can disable cookies in browser settings, but some features may not work. We also use Google Analytics and Facebook Pixel for marketing attribution.

6. Your Rights

You have right to: Access your data, Correct inaccurate data, Delete your data (subject to legal retention), Opt-out of marketing emails via unsubscribe link, Withdraw consent for data processing, File complaint with our Grievance Officer.

7. Data Retention

We retain your data for 7 years as per financial regulations (RBI/SEBI guidelines) from last transaction, after which it is securely deleted. Newsletter subscription data retained until you unsubscribe.

8. Children's Privacy

Our services are not directed to children under 18. We do not knowingly collect data from minors.

9. Grievance Officer

10. Changes to Policy

We may update this policy. Significant changes will be notified via email and website banner 30 days before effective date. Continued use after changes constitutes acceptance.

If you have questions, contact us at support@moneygrowthservice.com or visit Contact Page.