Welcome to MokshaPay, a brand owned and operated by Sambal One Stop Fintech Solution Pvt. Ltd. (“MokshaPay,” “we,” “our,” or “us”). We value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use and safeguard your personal data when you visit our website or use the MokshaPay mobile application.
1. Information We Collect
We collect information necessary to verify your identity, assess creditworthiness and provide our financial services.
a. Personal Information
- Full Name
- Mobile Number & Email Address
- Date of Birth & Gender
- PAN, Aadhaar, and KYC documents
- Bank Account details (for loan disbursal & repayment)
- Employment or Business details (income proof, company name, etc.)
b. Device & Technical Information
- Device ID, IP address, operating system and network information
- App usage activity and session data
- Location data (used for fraud detection and service eligibility)
c. Credit & Financial Information
- Credit score and report from credit bureaus (like CIBIL, CRIF, Experian)
- Bank statement details (through secure, consent-based methods)
- Loan repayment behaviour and transaction data
d. Communication & Consent Data
- Customer service interactions, emails and messages
- Consent records and app activity logs
2. How We Use Your Information
Your information is used strictly for legitimate business and regulatory purposes, including:
- Verifying your identity and processing KYC
- Assessing loan eligibility and repayment capacity
- Disbursing and managing loans through NBFC partners
- Reporting repayment behaviour to credit bureaus
- Communicating about offers, repayment reminders and rewards
- Complying with RBI, IT and data retention regulations
- Preventing fraud, identity theft and unauthorized access
3. Information Sharing
We do not sell or rent your personal data. However, we may share it with trusted entities for operational purposes, such as:
- Registered NBFC Partners for loan approval, underwriting and disbursal
- Credit Bureaus (CIBIL/CRIF/Experian) for credit score reporting
- Payment Gateway Providers for secure repayment processing
- Verification Agencies for KYC and background validation
- Regulatory Bodies as required by Indian law or RBI compliance
All third-party partners are contractually bound to maintain strict data confidentiality and security.
4. Data Security
We use robust security measures to protect your information:
- 256-bit data encryption and SSL-secured servers
- Secure data transmission (HTTPS)
- Access controls and activity monitoring
- Regular audits and data security reviews
However, no online platform can guarantee absolute security. You use the platform at your own risk.
5. Data Retention
We retain your personal data as long as:
- Your account is active, or
- Required by applicable law or RBI guidelines
After the retention period, your data is securely deleted or anonymized.
6. Your Rights
You have the right to:
- Access your stored data
- Correct or update inaccurate details
- Withdraw consent (where applicable)
- Request deletion of your data (subject to legal obligations)
To exercise your rights, email us at privacy@mokshapay.com.
7. Cookies and Tracking
Our website/app uses cookies and analytics tools to:
- Improve performance
- Understand user behaviour
- Offer a personalized experience
You can disable cookies through browser settings, but some features may not work properly.
8. Third-Party Links
MokshaPay may contain links to third-party websites or services. We are not responsible for their content or privacy policies.
9. Policy Updates
This policy may be updated periodically. Any significant changes will be notified via email or app notification.
10. Contact Us
For questions, concerns, or complaints regarding your personal data, contact:
© 2025 Sambal One Stop Fintech Solution Pvt. Ltd. All rights reserved.
