Privacy policy
How we collect, use and protect your personal data.
About this policy
This policy explains what information the app and this website collect, why we collect it, who can see it and what choices you have. It is for everyone who uses the app through their company's benefits programme.
What we collect
- Who you are. Your name, mobile number and work details that your company shares with us, so we can recognise you and show you the right benefits.
- What you tell us. The details you enter in the app, such as your profile, family and income details used to check which government schemes you may get, and the papers you upload for an application.
- For services that need more. If you choose a service such as a salary advance, we also need to verify your identity and bank account. We ask for these only when you start that service, and we tell you why.
- About your phone. Your phone model, app version, language and error reports, so we can keep the app working and safe.
- Camera, microphone and location. Only when a step needs them, only after you allow it, and only for that step. The app never reads your contacts, call history, messages, files or photos.
Why we use it
- To create your account and keep it secure.
- To check which schemes and benefits you may get, and to help you apply.
- To provide the services you choose, and to send you messages about them by SMS, WhatsApp and in the app.
- To follow the law and the rules of our regulators, and to prevent fraud.
- To fix problems and improve the app.
We do not sell your personal data.
Who can see it
- Your company, only what is needed for the benefit you use, for example to confirm that you work there.
- Companies that help us run the app, such as message, identity, payment and hosting providers. They may use your data only for the work we give them.
- The lender or partner behind a service you choose, such as a salary advance.
- Government portals, when you ask us to file a scheme application for you.
- Authorities and regulators, when the law requires it.
Where it is kept and how it is protected
Your data is stored in India. It is encrypted when it travels and when it is stored, only the people who need it can see it, and every look at a sensitive record is logged.
How long we keep it
We keep your data while your account is active, and afterwards only for as long as the law or our regulators require, for example for loan and tax records. After that we delete it or remove your identity from it. If you delete your account we delete what we are not required to keep; the Delete account page has the details.
Your rights
You can ask us to show you the data we hold about you, to correct it, to delete it, or to stop using it where you gave your consent for that use. You can also name someone to act for you.
To use any of these rights, use the options in the app or write to us using the details on the Contact page. We reply within the time given on the Grievance page. If you are not happy with our reply, you can complain to the Data Protection Board of India.
Children
The app is for people who are 18 or older.
Changes to this policy
When we change this policy we publish a new version with the date it starts. Earlier versions stay available on this page.
All versions
- Version 1, effective from 1 January 2026 (current)