Paisa in Hand (“we”, “us”, “our”, or the “Platform”), operated by Acolyte Finserv Limited, values the privacy of every visitor and customer. This Privacy Policy describes the types of information we collect and how it is recorded, used, and safeguarded when you access www.paisainhand.in or our mobile application.

This policy applies only to information shared with or collected by us through our online channels and does not extend to information collected offline or through any other party's website. By using the Platform, you consent to the collection and use of your information as described in this Privacy Policy.

The personal information you are asked to provide, and the reasons you are asked to provide it, will be made clear to you at the point we request it. Depending on how you use the Platform, this may include:

• Identity details such as name, date of birth, PAN, and Aadhaar (for KYC and verification purposes).
• Contact information such as email address, phone number, and residential address.
• Financial information such as bank account details, income, employment, and repayment history, required to assess loan eligibility.
• Information you share when you contact us directly, including the contents of your message and any attachments.
• Technical information such as device type, IP address, and app usage data collected automatically while you use the Platform.

We use the information we collect to:

• Provide, operate, and maintain our website and application.
• Process loan applications, perform KYC, credit, and fraud checks, and assess eligibility.
• Improve, personalise, and expand our products and services.
• Understand and analyse how our Platform is used.
• Communicate with you about your application, loan account, repayments, and service updates.
• Send service messages, reminders, and, where you have opted in, promotional communications.
• Detect, investigate, and prevent fraudulent or unauthorised activity.

Log Files

Like most websites, Paisa in Hand follows a standard procedure of using log files. These files log visitors when they visit our website. The information collected includes IP addresses, browser type, internet service provider, date and time stamps, referring/exit pages, and click activity. This information is used to analyse trends, administer the Platform, and gather demographic information, and is not linked to any personally identifiable information.

Cookies and Web Beacons

We use cookies to store information such as your preferences and the pages you access or visit, in order to optimise your experience. You can choose to disable cookies through your individual browser settings; however, doing so may affect the functionality of parts of the Platform.

We may work with third-party analytics and advertising partners who use technologies such as cookies, JavaScript, or web beacons in their advertisements and links that appear on our Platform. These technologies help measure advertising effectiveness and personalise content. We have no access to or control over cookies used by third-party advertisers, and this Privacy Policy does not apply to such third parties. We advise you to review the privacy policies of any third-party service you interact with through our Platform.

Depending on applicable law, you may have certain rights regarding your personal data, including the right to:

• Request access to and copies of the personal data we hold about you.
• Request correction of any information you believe is inaccurate or incomplete.
• Request erasure of your personal data, subject to our regulatory record-keeping obligations.
• Request that we restrict or object to certain processing of your personal data.
• Request that we transfer your data, where technically feasible, to another organisation or to you directly.
• Opt out of having your personal data sold or shared, where applicable.

To exercise any of these rights, please write to us using the contact details below. We aim to respond to all such requests within one month.

Paisa in Hand does not knowingly collect any personal information from children under the age of 18. Our services are intended only for individuals who are legally eligible to enter into a binding contract under the Indian Contract Act, 1872. If you believe a child has provided us with personal information, please contact us immediately and we will take prompt steps to remove such information from our records.

We implement reasonable technical and organisational measures designed to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Information shared with us in connection with your loan application is kept confidential and is not shared with third parties except as required to process your application, comply with law, or as described in this Policy.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be posted on this page with a revised “Last updated” date. We encourage you to review this page periodically.

If you have questions about this Privacy Policy or how your information is handled, please reach out to us.

You can also reach our support team through the Contact Us page or our Grievance Redressal process.