Last Updated: 29-Dec-2025
PaisaGuru Technology India Private Limited ("we," "us," or "our") operates the PaisaGuru mobile application (the "Service"). This page informs visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decides to use our Service.
By choosing to use our Service, you agree to the collection and use of information in relation to this policy.
1. Information Collection and Use
To provide you with our financial literacy and AI-powered services, we may require you to provide us with certain information.
- Personal Identity Information (PII): We may collect your name and email address if you choose to create an account to save your quiz progress or preferences.
- Financial & Usage Inputs: Information you voluntarily input into our AI tools (e.g., loan amounts, interest rates, financial queries) to generate calculations or advice.
- Note: We process this data to provide answers. We do not store sensitive financial account numbers (like bank account numbers or credit card CVVs) unless explicitly required for a specific transaction feature.
- Device Information: We collect data such as your Device ID, IP address, and operating system version to ensure app compatibility and security.
2. How We Use Your Data
We use the collected data for the following purposes:
- To provide and maintain the Service (e.g., calculating EMI, generating quiz results).
- To improve our AI models and user experience.
- To notify you about changes to our Service.
- To detect, prevent, and address technical issues.
3. AI & Financial Disclaimer
PaisaGuru utilizes Artificial Intelligence to provide financial information and educational content.
- Informational Purpose: The Service is for educational and informational purposes only. It is not a substitute for professional financial or legal advice.
- No Fiduciary Relationship: Using this app does not create a financial advisor-client relationship.
- Accuracy: Bank/ NBFC data displayed in PaisaGuru app are updated periodically from public sources. While we strive for accuracy, financial regulations and rates change frequently. Users should always verify rates and terms by visiting the respective bank/NBFC branch, its official website, talking to one of their authorized representatives, or consulting with a certified financial professional before making investment or loan decisions. PaisaGuru is not an official partner to any of these banks/ NBFCs.
4. Third-Party Services
We employ third-party companies and individuals due to the following reasons:
- To facilitate our Service (e.g., Cloud Hosting);
- To provide the Service on our behalf;
- To perform Service-related services (e.g., Analytics).
We link to the privacy policies of third-party service providers used by the app:
5. Data Security Measures
We take the security of your data seriously. We implement robust technical and organizational measures to protect your information:
- Encryption in Transit: All data transmitted between your device and our servers is encrypted using industry-standard TLS (Transport Layer Security) protocols (HTTPS). This ensures that no one can intercept your data while it travels over the internet.
- Encryption at Rest: Data stored on our servers is encrypted. We use secure cloud infrastructure Google Cloud Platform) that adheres to ISO 27001 security standards.
- Data Minimization: We only collect data that is strictly necessary for the app's functionality. We do not sell your personal data to third-party advertisers.
- Strict Access Controls: Access to personal user data is restricted to authorized personnel only who are required to keep the information confidential.
- Anonymization: Where possible, user inputs sent to our AI models are anonymized to protect your identity.
6. Social Sharing & Permissions
If you use the social sharing features (e.g., sharing a quiz result or financial tip), the app may request access to your storage or external applications. This access is used solely to generate the image/text for sharing and is not used to mine your contacts or private files.
7. Data Retention & Deletion
- Retention: We retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy.
- Deletion Rights: You have the right to request the deletion of your data. You can do this by contacting us at the email below.
8. Children’s Privacy
PaisaGuru is not intended for use by children under the age of 18. We do not knowingly collect personally identifiable information from children under 18.
9. Changes to This Policy
We may update our Privacy & Security Policy from time to time. You are advised to review this page periodically for any changes.
10. Contact Us
If you have any questions about our Privacy & Security Policy, please contact us at contact@paisaguru.net