Privacy Policy

1. Who controls your information

Your personal data is collected and stored on servers located in India by Profitse Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at No. 472/7, Balaji Arcade, 2nd & 3rd Floor, A.V.S Compound, Koramangala VI Block, Bengaluru South, Bengaluru 560095, Karnataka.

We are a Data Fiduciary under the Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025. You are a Data Principal. Where we act as a Lending Service Provider for a bank or an NBFC, we also follow the Reserve Bank of India (Digital Lending) Directions, 2025 and the Credit Information Companies (Regulation) Act, 2005.

2. What Kaapi Money is, and is not

This matters for understanding what data we need.

Kaapi Money is not a bank or an NBFC. We do not lend money and we do not accept deposits. We show you your credit score, explain your credit report, give you a plan to improve it, surface loan and credit card options from partner lenders, and teach you about money in plain language.

We do not disburse loan money and we do not receive your repayments. Loan money moves directly between you and the lender.

We do not conduct KYC. Know Your Customer verification is the lender’s regulatory obligation under RBI’s Master Direction on KYC, and the lender carries it out directly with you on its own systems. Identity documents, photographs, and video verification for KYC are given by you to the lender, not to us. We do not collect, view, or store them.

We do not currently carry out any recovery or collections activity. If that ever changes, we will update this Privacy Policy and notify you before any such activity begins.

We do not sell or rent your personal information to anyone.

3. What information we collect

3.1 Information you give us

• Identity and contact details: name, mobile number, email address, date of birth, gender
• PAN, which is mandatory for fetching a credit report
• Address and PIN code, to check lender serviceability
• Financial details you choose to share: employment type, monthly income, existing EMIs
• Your questions and messages to our AI assistants
• Documents you choose to upload, only when a specific lender requires them

You may choose not to provide certain information, but some features will then be unavailable to you.

We do not collect biometric information.

3.2 Information we receive from others

• Credit information companies. Your credit score, credit report, account history, and enquiry history, fetched from Experian Credit Information Company (India) Private Limited with your consent
• Lending partners. Application status, approval or rejection, and reasons where shared with us. We do not receive the identity documents or KYC records you provide to a lender
• Advertising platforms. Where you reach us by clicking one of our advertisements, we receive campaign attribution data from Meta Platforms and similar advertising platforms

3.3 Information collected automatically

Device type, operating system, browser, IP address and the approximate city derived from it, session timestamps, screens viewed, and actions taken. We also use log files and cookies, described in Section 5.

3.4 What we never access

We do not access your phone contacts, call logs, SMS messages, photo gallery, media files, file storage, or continuous background location. This is prohibited by the RBI Digital Lending Directions, 2025, and it is also our own policy.

If anyone claiming to represent Kaapi Money asks for any of the above, it is a fraud. Please report it to us immediately.

3.5 Sensitive categories

We do not ask for and do not want information about your caste, religion, political views, health, or sexual orientation. If such information appears incidentally in a message, we do not use it for any decision and we remove it during record cleaning.

4. How we use your information

We use your information to:

• Create and operate your Kaapi Money account
• Fetch and explain your credit score and credit report
• Build a personalised plan for improving your credit score
• Show you loan and credit card options from partner lenders that match your profile
• Pass your application to a lender you have selected, with your consent
• Answer your questions through our AI assistants and through our support team
• Detect and prevent fraud, impersonation, and misuse of the Platform
• Send you service updates, reminders, and educational content
• Analyse how the Platform is used, in aggregate and on our own systems, to improve our product and measure advertising effectiveness
• Meet our legal, regulatory, tax, and audit obligations

By registering, you authorise Kaapi Money to send you SMS, email, in-app notifications, and calls relating to your account and the services you have opted for, including where your number is registered under DND, DNC, or NCPR. This authorisation remains valid until your account is deactivated or you withdraw consent.

We do not use your personal data to train third-party AI models. Where an AI provider processes your data to power our AI assistants, that provider is contractually barred from using it for its own training.

5. Cookies and log files

We use session cookies and persistent cookies on our website. Strictly necessary cookies keep the site working and cannot be disabled. Advertising cookies and pixels are set only if you accept them in the cookie banner, and you can change that choice at any time from the cookie settings link in the footer.

Most browsers allow you to block or delete cookies. Blocking them may prevent parts of the Platform from working.

Our log files record IP address, browser type, internet service provider, referring and exit pages, platform type, date and time stamps, and click counts. We use this to analyse trends, administer the Platform, and understand usage in aggregate.

6. Your credit information

Consent. We fetch your credit report only after you give clear, separate, in-product consent. Consenting to a credit report check is not the same as consenting to a loan application, and we take each separately.

Soft enquiry. Our check is a soft enquiry and does not reduce your credit score. If you go on to apply for a loan, the lender may run a hard enquiry, which can affect your score slightly. We will tell you before that step.

We cannot change your credit report. The data belongs to the credit bureau. If something in it is wrong, you must raise a dispute directly with Experian. We will explain the process and help you prepare it, but the correction is theirs to make.

Retention. We retain your credit report and credit score for the shorter of six months, the period needed to serve the purpose for which it was obtained, or until you withdraw consent.

7. Who we share your information with

We do not sell or rent your information. We share it, on a need-to-know basis, with:

Credit information companies, to fetch and refresh your credit report.

Lending partners, being banks, NBFCs, and other RBI-regulated entities. We share your profile only after you select a specific offer and confirm. We tell you the lender’s name before you confirm.

Cloud and infrastructure providers, who host and process data on our instructions.

Professional advisers and auditors, under confidentiality obligations.

Government agencies and regulators, where disclosure is required by law, including for verification of identity, prevention or investigation of offences, or compliance with a legal obligation. You consent to such disclosure where required by applicable law.

A successor entity, in the event of a merger, reorganisation, consolidation, or sale of all or part of our business.

Every recipient is bound by contract to handle your information with the same level of care and confidentiality that we apply, to act only on our instructions, and not to use it for their own purposes.

7.1 The third parties we currently use

The RBI Digital Lending Directions require us to disclose every third party with access to your personal data. This is that disclosure, current as at the date at the foot of this policy.

Credit information company

To dispute an error in your report, go to https://www.experian.in/consumer/dispute or write to consumer.support@experian.com.

Technology and infrastructure providers

Advertising platforms

We advertise on Meta Platforms and similar networks. Where you reach us by clicking an advertisement, we receive campaign attribution data. No personally identifiable information is shared with advertising platforms for targeting.

Lending partners and distribution partners

Where you select a loan offer and confirm, we share your profile with the lender or distribution channel you have chosen. We tell you the name of the entity before you confirm. Each partner is named, with its regulatory status and grievance contact details, at https://www.kaapi.money/partners.html.

What we do not do. We do not sell or rent your personal information. We do not share your data with lead generation firms, data brokers, or any party not named in this policy or at https://www.kaapi.money/partners.html.

Where you apply for a product offered by a lender, that lender’s own privacy policy also applies to your information, in addition to this one. We are not responsible for their privacy practices and we encourage you to read their policies.

8. Where we store your data, and for how long

All personal data of our users is stored on servers located within India. If any processing occurs outside India, the data is brought back to India and deleted from the foreign server within 24 hours, as required by the RBI Digital Lending Directions, 2025.

We may retain information for longer where it is required for an investigation, for proceedings before a court, tribunal, forum, or commission, or under our contractual arrangements with lending partners.

Before erasing data on grounds of inactivity, we will give you at least 48 hours’ notice on your registered mobile number or email.

9. Your rights and your control

Under the Digital Personal Data Protection Act, 2023 you have the following rights, all free to exercise.

Access. Ask for a summary of the personal data we hold about you, what we do with it, and who we have shared it with.

Correction and updating. Ask us to correct, complete, or update your information. Note that we cannot alter your credit bureau report, as explained in Section 6.

Erasure. Ask us to delete your data, subject to the retention periods in Section 8.

Withdrawal of consent. Withdraw consent at any time. Withdrawal operates going forward and does not undo processing already lawfully carried out. If you withdraw consent, we may have to stop providing the services for which the information was needed.

Grievance redressal. Complain to us about how we have handled your data, under the process in Section 12 and our Grievance Redressal Policy.

Nomination. Nominate another person to exercise these rights on your behalf if you die or become unable to act.

How to exercise these rights. Use the “My data” section in the app, or email grievance@kaapi.money from your registered email address. We respond within 30 days.

Account deletion. You can request deletion from the app or by writing to us. After we verify your request, we process it as soon as possible and in any case within 45 days. In some cases we cannot fully delete your data, because law or our lending partners’ regulatory obligations require us to retain it so that services you have already availed can continue to be serviced. Any retained information stays protected under the safeguards in Section 10.

Marketing preferences. You can opt out of marketing messages using the unsubscribe link in any email, the notification settings in the app, or by writing to support@kaapi.money. Please allow up to 10 days for processing. We will continue to send you service and transactional messages about your account.

Your responsibilities. Please give us accurate information and do not impersonate anyone. Furnishing false particulars while exercising these rights can attract a penalty under Section 33 of the DPDP Act. We are not responsible for the authenticity of information supplied to us by you or by a third party.

10. Data security

We take reasonable security safeguards to protect your personal data, appropriate to how sensitive it is and how much of it we hold. These include encrypting your data and controlling who can access it. We keep our safeguards under review and improve them as we grow.

No method of transmission over the internet or of electronic storage is completely secure, so we cannot guarantee absolute security. You are responsible for keeping your login credentials confidential and for not sharing them with anyone.

If you suspect or become aware of a security incident or data breach relating to Kaapi Money, please report it immediately to grievance@kaapi.money.

If a breach occurs, we will tell you about it in plain language, covering what happened, what data was involved, what it could mean for you, what we are doing about it, what you should do, and who to contact. We will also report it to the Data Protection Board of India and to any other authority the law requires, within the timelines the law sets.

11. Automated processing and our AI assistants

We use AI assistants to answer your questions inside the Platform. Two things to understand.

They can be wrong. They provide information and general guidance, not certified financial, legal, or tax advice. Please verify anything important with a qualified professional before acting.

They do not decide your loan. Credit decisions are made by the bank or NBFC you apply to, using their own criteria. Where we shortlist offers, we do so on stated eligibility criteria, and you can ask us to explain the logic in plain terms.

12. Grievance officers

We have appointed two officers. Please use the one that matches your issue.

Nodal Grievance Officer (digital lending)

For complaints relating to loans, our lending and distribution partners, Key Fact Statements, fees, or any digital lending matter.

Data Grievance Officer

For grievances or discrepancies relating to the processing of your personal information, and for any question about your data rights under the Digital Personal Data Protection Act, 2023.

For general questions, concerns, or suggestions about this Privacy Policy, reach us at support@kaapi.money.

The full escalation path, including the RBI Complaint Management System and the Data Protection Board of India, is set out in our Grievance Redressal Policy at https://www.kaapi.money/grievance.html.

13. Children

Kaapi Money is for adults. You must be 18 years or older to use the Platform. We do not knowingly collect data from children, we delete any such data we discover, and we do not carry out behavioural advertising directed at children.

14. Third-party advertising and links

We use third-party advertising services to serve advertisements on our behalf across the internet. These services may collect anonymous information about your visits to our Platform and your interaction with our products through pixel tags, an industry-standard technology. No personally identifiable information is collected or used in this process.

Our Platform may link to lender websites, government portals, and other third-party sites. Personal information you provide to those sites is not our property or responsibility, and their privacy practices may differ from ours. We encourage you to read their policies.

15. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. For material changes we will notify you in the app or by email at least 7 days before they take effect. We encourage you to review this page periodically. The effective date below tells you whether anything has changed since you last read it.

This Privacy Policy was last updated on: 18 August 2026

Profitse Technologies Private Limited · CIN: U62013KA2026PTC223716 · No. 472/7, Balaji Arcade, 2nd & 3rd Floor, A.V.S Compound, Koramangala VI Block, Bengaluru South, Bengaluru 560095, Karnataka