Privacy Policy

Last updated: October 2026.

As an internet user, privacy is important. Therefore, you are referred to Genie Moneyy’s privacy policy. Your continued use of Genie Moneyy is an affirmation that you have read the privacy policy, understood it, assent, and consent to its terms and conditions, including subsequent changes and amendments (if any).

Genie Moneyy collects and generates various data points about You. Data by which You are identified is termed as “Personal Data”. Personal Data does not mean information that is freely available or accessible in the public domain. Your Privacy is of utmost importance to us and the protection of your Personal Data is a key commitment for us. We are governed by the provisions of applicable law in India including the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 to maintain the privacy of your Personal Data.

Personal Data

Personal Data we may collect from you are as under:

1. Personal details (e.g.Name, Contact Details including, Residential Address, Date of Birth, Documents such as Identity Card / Passport Details / Aadhaar Details / PAN / Voter ID / Driving License, and/or Education Details) provided by You to us to avail various products/services from us.
2. Your transaction details are conducted through our platform/s.
3. Financial details (e.g.Income, Expenses, and/or Credit History) are needed as part of a request for some of our products/services;
4. Images of documents/ photos required to avail of any of our products/services.
5. Voice recordings of our conversations with our customer care agent with You to address Your queries/grievances;
6. Employment details (e.g.Occupation, Positions Held, Employment History, Salary, and/or Benefits) as part of our record retention for credit/various product evaluations or required under applicable law including Prevention of Money Laundering (Maintenance of Records) Rules, 2005
7. Opinions provided by You to us by way of feedback or responses to surveys;
8. Information obtained from Your mobile device by way of using our app like device location, communication information including contacts and call logs, device information (including storage, model, mobile network), and transactional and promotional SMS/app notifications.
9. Access to Your mobile camera device for the functioning of many in-app functionalities including, but not limited to scan & pay, etc.,
10. Access to files from Your mobile device such as audio, and video files for the functioning of many in-app functionalities including, but not limited to in-app chat,

Sharing of Your Personal Data

Any Personal Data that we have access to shall never be shared without Your consent. In various processes/submission of applications/availing of product/service offerings, we even seek Your explicit consent to use/share Your Personal Data. In our business and operational processes, we only share the data on a partial and “need-to-know” basis with designated personnel or partners, or service providers. We will share your data with competent/ legal/statutory/regulatory agencies/authorities or partners/service providers acting on our behalf (as the case may be) in the following cases:

1. Only for enabling the provision of the products/services availed by You, strictly on a “need to know” basis and subject to applicable laws.
2. It is directed or required by Legal/ Regulatory / Statutory / Governmental authorities under applicable Laws/ Regulations through a Legally obligated request.
3. It is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations.

Usage of your Personal Data

We use Your Personal Data in our business activities for providing our or our partners’ products/services and to perform, among other actions, the following:

1. To facilitate the transactions or report on these transactions;
2. To undertake research and analytics for offering or improving our products/services and their security and service quality;
3. To check and process Your requirements submitted to us for products/services and/or instructions or requests received from You in respect of these products/services;
4. To share with You, updates on changes to the products/services and their terms and conditions;
5. To take up or investigate any complaints/claims/disputes;
6. To respond to Your queries or feedback submitted by You;
7. To verify Your identity for us to provide products/services to You;
8. To undertake various reporting, and create and maintain various risk management models;
9. For conducting audits and for record-keeping purposes;
10. For selective offers and promotions.

External processing: We may provide Your personal information to our affiliates or other trusted businesses or persons or service providers engaged by us, or institutions that we partner with to assist us with providing You with products/services to better serve Your needs and interests, based on your instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures. We also use Your Personal Data to fulfill the requirements of applicable laws/regulations and/or court orders/regulatory directives received by us.

Purging of your Personal Data

1. You may delete your Genie Moneyy account at any point in time by making such a choice on Genie Moneyy’s desktop website, mobile WAP site, or mobile application. With this, we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed of by us except for any record retention required as per applicable law.
2. The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal/regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.

Cookie Policy

1. Please note that a “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser.
2. We use cookies and similar technologies to help our website and app function and to understand how they are used.
3. Our website uses Google Analytics, a web-analytics service provided by Google, which places cookies to help us measure how visitors use the site (for example, pages viewed, approximate region, and device type). This information is used only in aggregate to improve the website and is not used to personally identify you. You can opt out of Google Analytics using Google’s browser add-on at tools.google.com/dlpage/gaoptout, or by declining non-essential cookies where a cookie choice is offered.
4. Other than the analytics data described above, no Personal Data is collected via cookies; however, if you previously provided Personal Data, cookies may be tied to such information.

Your Rights & Our Commitments under the DPDP Act, 2023

Where the Digital Personal Data Protection Act, 2023 applies, we process your Personal Data on the basis of your consent or for legitimate uses permitted under the Act. The notice presented at the point of collection, together with this policy, tells you what data we collect and why.

1. Consent & withdrawal: You may give, manage or withdraw your consent at any time. Withdrawing consent is as easy as giving it, and will not affect processing already carried out while your consent was valid. On withdrawal, we will stop further processing unless we are required or permitted by law to retain the data.
2. Right to access: You may request a summary of the Personal Data we hold about you and how it is processed.
3. Right to correction & erasure: You may request that we correct inaccurate or incomplete data, update it, or erase data that is no longer necessary for the purpose it was collected, subject to legal retention requirements.
4. Right to grievance redressal: You may raise a grievance with us about how your data is handled, using the contact details below, and we will respond within the timelines prescribed under applicable law.
5. Right to nominate: You may nominate another individual to exercise your rights in the event of your death or incapacity.
6. Escalation: If your grievance is not resolved to your satisfaction, you may approach the Data Protection Board of India as provided under the DPDP Act, 2023.

To exercise any of these rights, write to us at support@geniemoney.in with the subject line “Data Request”, and we will verify your identity before acting on the request.

Website Enquiry Forms

When you submit an enquiry through a form on this website, we collect only the details you choose to provide — typically your name, email address, phone number and your message — and we use them solely to respond to your enquiry and, where relevant, to follow up about the product, partnership or complaint you contacted us about. These details are stored securely and retained only for as long as needed to address your enquiry and meet any applicable legal requirement.

Links to Other Websites

Our website or mobile Application may contain links to other websites which are not maintained by us. This privacy policy only applies only to us and our systems. You are requested to read the other website’s privacy policies when visiting these websites.

Reasonable Security Practices & Procedures

We take various steps and measures to protect the security of Your Personal Data from misuse, loss, unauthorized access, modification, or disclosure. We use the latest secure server layers encryption and access control on our systems. Our safety and security processes are audited internally from time to time. We have provided multiple levels of security to safeguard your app through the Login/Logout option and App-Lock feature that can be enabled by you. We are also ensuring the “Device Binding” so that the same login cannot be used on a different devices without any additional authentication/OTP. Please do not share your Genie Moneyy login, password, and OTP details with anybody.

Contact Us

You may contact us on any aspect of this policy or for any discrepancies/grievances with respect to your Personal Data, by writing to us at Techno Tara Private Limited, 703, Spaces 912, Mira Bhayander Road, Mira Road East, Thane, Maharashtra, 401107, India, or by email to support@geniemoney.in.

For any complaint or data-related request, please mark it to the attention of our Grievance Officer at the above address or email. Every grievance is acknowledged, and we aim to resolve it within the timelines prescribed under applicable law.

Policy Review & Updates

This policy will be reviewed by us as and when required and the same may change at any time. While we will make reasonable efforts to keep You posted on any updates to this privacy policy, to make sure that You are aware of any changes, we recommend that You review this policy periodically.This Privacy Policy shall apply uniformly to Genie Money’s desktop website, mobile WAP site & mobile applications. In this policy, the words “we”, “ours” and/or “us” refer to Techno Tara Private Limited and Genie Moneyy and “You” and/or “Your” refer to our customers.

CANCELLATION AND REFUND POLICY

In case of a cancellation from any business associate, the security deposit paid for the registration / association will be refunded as per terms agreed between the Company and the Associate during the time of registration and through Direct Credit via digital medium to the Associate’s account as per policy of Genie Moneyy.

In case of a refund due to an erroneous transaction, the amount paid will be refunded through Direct Credit via digital medium to the Associate’s account as per the prevailing policy of Genie Moneyy.