Moneza Technologies Privacy Policy

Welcome to Moneza Technologies! We’re here to fuel India’s rise with AI-driven courses and Hinglish learning. This Privacy Policy explains how Moneza Technologies Private Limited ("Moneza," "we," "us," or "our"), a private limited company registered in India, collects, uses, stores, shares, and protects your personal information when you use our mobile application ("App"), website (monezatech.com), or related services (collectively, "Services"). By using our Services, you agree to this Privacy Policy and our Terms and Conditions (available at monezatech.com/terms). If you don’t agree, please don’t use our Services. Let’s keep your data safe and fuel your learning journey together.

1. Scope

This Privacy Policy applies to all users of our Services, including registered account holders and guests. It covers personal data collected through the Moneza App (available on Google Play and Apple App Store) and our website (monezatech.com). For users under 18, parental consent is required for data processing under the Digital Personal Data Protection Act, 2023 (DPDP Act).

2. Information We Collect

We collect the following types of data to provide and improve our Services:

• Personal Information:
  • Name, email address, phone number, age, and profile photo (if provided) when you sign up or update your account.
  • KYC details (e.g., PAN card) for referral reward payouts.
• Payment Information:
  • Billing details (e.g., credit/debit card, UPI ID) for course purchases, processed securely via Cashfree, Google Play, or Apple App Store. We do not store your card or UPI credentials.
  • Course prices may vary and are as displayed in the App or on monezatech.com.
• Referral Information:
  • Referral code and reward activity (e.g., tracking rewards earned) if you participate in the referral program.
  • Referral rewards may vary and are as specified in the App or on monezatech.com.
• Usage Data:
  • App activity (e.g., courses accessed, progress, completion status).
  • Device information (e.g., device type, OS version, IP address, crash logs).
  • Interaction with content (e.g., clicks, time spent on lessons).
• Communication Data:
  • Messages, reviews, or feedback shared via support@monezatech.com or in-app features.

3. How We Collect Information

We collect data:

• Directly from You: When you sign up, buy courses, participate in referrals, or contact support.
• From Third Parties: Payment processors (e.g., Cashfree, Google Play, Apple) provide transaction-related data.

4. How We Use Your Information

We use your data to:

• Deliver and personalize AI-driven courses and Hinglish content.
• Process payments for courses and referral rewards.
• Manage the referral program (e.g., track referrals, pay rewards).
• Send service updates, referral alerts, and promotional messages via email, SMS, or WhatsApp (you can opt out; see Section 7).
• Provide customer support and technical assistance.
• Improve our App and Services by analyzing usage patterns.
• Comply with legal obligations under Indian laws (e.g., DPDP Act, 2023; tax laws).

5. Explicit Consent

By using our Services (e.g., registering, purchasing courses, joining the referral program), you expressly consent to the collection, use, processing, storage, and sharing of your information as described in this Privacy Policy. For users under 18, this consent must be provided by a parent or guardian, as required by the DPDP Act, 2023.

6. Sharing Your Information

We do not sell or rent your personal data. We may share it with:

• Third-Party Service Providers: Payment processors (e.g., Cashfree for UPI/rewards, Google Play, Apple) to process transactions, subject to their privacy policies.
• Legal Authorities: If required by law (e.g., tax audits, court orders) or to protect Moneza’s rights.
• Referred Users: Your referral code/link may be shared with friends you invite, but only with your consent.

7. Marketing and Communication Preferences

You agree to receive service updates, referral alerts, and promotional messages via email, SMS, or WhatsApp. You can opt out of promotional messages at any time via App Settings (“Notifications” section) or by emailing support@monezatech.com. Essential service messages (e.g., password resets, transaction alerts) will still be sent, as they’re necessary for using the Services.

8. Data Security

We use industry-standard measures to protect data during transmission and storage. Payment details are processed securely by third parties (e.g., Cashfree, Google Play, Apple). We store data on secure servers, but no system is 100% secure. You’re responsible for keeping your account credentials (e.g., password) safe. In case of a data breach, we’ll notify you within 72 hours, as required by the DPDP Act, 2023.

9. User Rights

Under the DPDP Act, 2023, and app store policies, you have the right to:

• Access: Request a copy of your personal data by emailing support@monezatech.com.
• Correct: Update inaccurate data via App Settings or support.
• Delete: Request account deletion via App Settings or support@monezatech.com. We’ll delete your data within 7 business days, unless retention is required by law (e.g., tax records).
• Export: Request a portable copy of your data.
• Opt-Out: Stop non-essential promotional communications (see Section 7).
• Minors: Parents can request data access or deletion for users under 18 via support@monezatech.com.

10. Data Retention

We retain your personal data for as long as your account is active or as needed to provide Services (e.g., course access, referral rewards). Inactive accounts are deleted on user requests. Data required for legal compliance (e.g., tax records) is retained as per Indian laws.

11. Children’s Privacy and Parental Consent

Our App is suitable for all audiences, including children, but we do not knowingly collect data from users under 18 without verifiable parental consent, as required by the DPDP Act, 2023. If we discover data was collected from a minor without consent, we’ll delete it immediately. Parents can contact support@monezatech.com to manage their child’s data.

12. International Data Transfers

Your data is primarily stored in India on secure AWS S3 and MongoDB servers. If data is transferred outside India (e.g., for backups or payment processing via third parties like Cashfree), we ensure compliance with the Digital Personal Data Protection Act, 2023, using providers with strong data protection standards.

13. App Store Compliance

Google Play: We comply with the Developer Distribution Agreement, ensuring transparent data practices and user consent. Apple App Store: We adhere to App Review Guidelines, providing clear data collection disclosures and account deletion options.

14. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our Services or laws. Material changes will be communicated via email, in-app notifications, or by posting the updated policy on monezatech.com/privacy. Continued use of the Services after updates means you accept the changes.

15. Contact Us

For questions, data requests, or concerns, contact: Moneza Technologies Private Limited. Email: support@monezatech.com Official Social Media: @MonezaTech (Instagram, YouTube, Facebook). Thank you for trusting Moneza Technologies.