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Privacy Policy

minEarn (“minEarn”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information.

minEarn is a financial technology platform designed to help users understand and manage their home-loan obligations and explore investment strategies that may help them build wealth alongside their loan repayment journey.

The name “minEarn” represents “mine + earn” and reflects our objective of helping users make more informed decisions about their money.

This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, when we may share it, and the choices available to you when you use the minEarn mobile application, website, and related services (“Services”).

By accessing or using minEarn, you acknowledge that you have read and understood this Privacy Policy.

1. INFORMATION WE COLLECT

Depending on the Services you use, we may collect the following categories of information.

1.1 Account and Registration Information

When you create an account, we may collect:

1.2 Mobile Number and OTP Information

We use your mobile number to:

OTP information may be processed by our authentication or communication service providers for the purpose of verifying your identity.

1.3 PAN Information

If you choose to provide or upload your PAN information, we may collect:

PAN information may be used for identity verification, financial-service eligibility, compliance requirements, and other purposes permitted by applicable law.

1.4 Aadhaar Information

If you choose to provide or upload Aadhaar information, we may collect information necessary for identity verification.

Depending on the verification method used, this may include:

We will process Aadhaar-related information only for legitimate and permitted purposes and in accordance with applicable laws and regulatory requirements.

You may be able to skip Aadhaar/PAN onboarding and provide the required information later, depending on the Services available to you.

1.5 Credit Information

If you request a credit-score or credit-related service, we may collect or receive:

Credit information may be obtained only through authorized sources and subject to applicable consent and legal requirements.

1.6 Home Loan Information

To provide loan analysis and personalized calculations, we may collect information such as:

1.7 Property and Loan Documents

If you use services relating to a home loan or property, you may choose to upload documents such as:

We process these documents only for the purposes for which they are provided or as otherwise permitted by law.

1.8 Financial and Investment Information

When you use our calculator, investment simulation, SIP, SWP, investment recommendation, or related features, we may process:

1.9 Usage and Device Information

We may automatically collect certain technical information when you use our Services, including:

This information helps us operate, secure, troubleshoot, and improve minEarn.

1.10 Communications

If you contact us through email, support, chat, phone, or other channels, we may retain:

2. HOW WE USE YOUR INFORMATION

We may use your information for the following purposes:

3. FINANCIAL CALCULATIONS AND INVESTMENT INFORMATION

minEarn may provide financial calculations, projections, simulations, suggestions, and scenarios based on information provided by you.

These calculations may include:

Such calculations are estimates and may change based on actual market conditions, interest rates, investment performance, taxes, fees, loan terms, and other factors.

Any return percentages, investment packages, projections, or examples displayed by minEarn are subject to the applicable product terms and disclosures.

Investment returns are not automatically guaranteed merely because a particular percentage is displayed in a calculator or recommendation.

Users should review the relevant product disclosures and risks before making any financial or investment decision.

4. INFORMATION COLLECTED WITH YOUR CONSENT

Certain minEarn features may require your consent before we access or process information.

For example, depending on the service, we may request consent before:

Where required by law, you may withdraw consent through the available controls or by contacting us.

Withdrawal of consent may affect our ability to provide certain Services.

5. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information as a standalone commercial product.

We may share information with the following categories of recipients where necessary and permitted by applicable law.

5.1 Service Providers

We may use third-party providers for:

5.2 Lenders and Financial Institutions

Where you request a loan, loan transfer, refinancing, or related service, we may share relevant information with:

Only information necessary for the requested service should be shared.

5.3 Investment and Financial Service Providers

Where you choose to use an investment-related service, relevant information may be shared with authorized:

The information shared will depend on the service you request.

5.4 Credit Information Companies

Where required to provide credit-related services, your information may be shared with or obtained from authorized credit information companies and their authorized service providers, subject to applicable law and required consent.

5.5 Legal and Regulatory Authorities

We may disclose information where required or permitted by law, regulation, court order, governmental authority, law-enforcement request, or regulatory requirement.

5.6 Business Transfers

If minEarn is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

6. THIRD-PARTY SERVICE PROVIDERS

minEarn may rely on third-party technology and financial service providers to operate certain features.

These providers may process information on our behalf or independently where they provide their own regulated or contractual service.

Where applicable, their own privacy policies and terms may also apply.

We encourage users to review the privacy policies of third-party services before using those services.

7. DATA SECURITY

We take reasonable technical and organizational measures to protect personal information against:

Security measures may include encryption, access controls, authentication controls, monitoring, logging, secure infrastructure, and other safeguards appropriate to the nature of the information.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their account credentials and OTPs.

minEarn will never ask you to disclose an OTP for purposes unrelated to authentication.

8. DATA RETENTION

We retain personal information only for as long as reasonably necessary to:

When information is no longer required, we may delete, anonymize, or securely dispose of it in accordance with applicable laws and our retention requirements.

9. YOUR RIGHTS AND CHOICES

Subject to applicable law, you may have rights relating to your personal information, including the ability to:

Some information may need to be retained even after account closure where required by law, regulation, fraud-prevention requirements, dispute resolution, or legitimate business requirements.

10. ACCOUNT DELETION

You may request deletion or closure of your minEarn account through the available account settings or by contacting us.

Before deleting an account, we may need to verify your identity.

Account deletion may not immediately result in deletion of all information where we are legally required to retain certain records.

11. COOKIES AND SIMILAR TECHNOLOGIES

Our website and certain Services may use cookies, SDKs, pixels, local storage, and similar technologies.

These technologies may be used for:

You may be able to control cookies through your browser or device settings.

Disabling certain technologies may affect some functionality.

12. LOCATION INFORMATION

minEarn may request access to location information only where required for a particular feature or service and where permitted by applicable law.

If location information is not required for a feature, you may be able to deny the permission through your device settings.

We do not require continuous location tracking unless specifically disclosed for a particular service.

13. CONTACTS, CAMERA, FILES AND DEVICE PERMISSIONS

Depending on the features you use, minEarn may request access to:

We will request permissions only when required for the relevant feature.

You can manage these permissions through your device settings.

14. CHILDREN'S PRIVACY

minEarn is intended for individuals who are legally capable of using financial and investment-related services.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

If you believe that a child has provided personal information to us without appropriate authorization, please contact us so that we can take appropriate action.

15. MARKETING COMMUNICATIONS

We may send service-related communications such as:

Where permitted and where applicable consent is required, we may also send promotional or marketing communications.

You may opt out of promotional communications using the unsubscribe option or by contacting us.

You will continue to receive essential service and security communications where necessary.

16. DATA TRANSFERS

Your information may be processed or stored by us or our service providers in locations necessary to provide the Services, subject to applicable law and regulatory requirements.

Where applicable regulations require specific data to be stored or processed within India, we will comply with those requirements.

17. DATA BREACHES AND SECURITY INCIDENTS

If we become aware of a personal data breach that requires notification under applicable law, we will take appropriate steps to contain, investigate, remediate, and notify affected users and/or authorities as required by law.

18. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect:

When we make material changes, we may notify you through the app, website, email, or other appropriate means.

The updated Privacy Policy will be effective from the date specified at the beginning of the updated policy.

19. GRIEVANCE REDRESSAL

If you have a question, concern, complaint, or grievance regarding the collection or processing of your personal information, you may contact our Grievance Officer/Data Protection contact.

Grievance Officer / Data Protection Contact:

We will review and respond to privacy-related requests in accordance with applicable law.

20. CONTACT US

For questions regarding this Privacy Policy or our privacy practices, please contact:

21. IMPORTANT FINANCIAL DISCLAIMER

minEarn provides financial information, calculations, simulations, comparisons, and recommendations intended to help users understand potential loan and investment scenarios.

Information displayed through minEarn should not be interpreted as a guarantee of investment performance, loan savings, or financial returns unless expressly provided under a separate legally applicable product agreement.

Investment products such as mutual funds, digital gold, fixed deposits, and other financial products may involve different levels of risk, returns, liquidity, taxation, and regulatory conditions.

Actual results may differ from projections shown in the minEarn application.

Users should carefully review the applicable product documents, terms, risk disclosures, and agreements before making any financial decision.

Where regulated financial services are provided by a third party, the relevant financial institution or service provider's terms and privacy policy may also apply.

22. ACCEPTANCE

By creating an account or using minEarn, you acknowledge that you have read and understood this Privacy Policy.

Where applicable, specific services may require separate consent, terms, disclosures, or agreements before they can be used.