Privacy policy

1. Scope of this policy

This policy explains how BLUEORBIT IT & MARKETING SOLUTIONS PRIVATE LIMITED, operating the BlueMoney brand, handles personal information collected through bluemoney.in and through the services offered on it. It applies to visitors, enquirers and applicants.

2. Information we collect

• You give us: name, mobile number, email address, city, and the details you enter into an enquiry or application form.
• Application data: identity and address documents, PAN, date of birth, employment or business details, income, bank account details and statements, and credit information.
• Automatic data: IP address, device and browser type, pages viewed, referring URL and approximate location derived from your IP address.
• Communications: records of calls, emails and messages relating to an enquiry or an existing loan.

3. Why we use it

• To respond to an enquiry and to assess your eligibility for a loan.
• To pass your application, with your consent, to a lending partner for credit assessment and sanction.
• To verify your identity and to meet know-your-customer and anti-money-laundering obligations.
• To service a loan that has been granted, including statements, notices and no-dues certificates.
• To prevent fraud and to secure the platform.
• To comply with legal and regulatory requirements.
• To improve the site and understand how it is used, in aggregate.

4. Consent

We collect and process your information on the basis of the consent you provide when you submit an enquiry or an application, and on the basis of our legitimate need to perform the service you have asked for and to comply with law. You may withdraw consent at any time by writing to the address in section 14, though this may mean we can no longer process an application you have started.

5. Who we share it with

• Lending partners: RBI-registered institutions that assess and sanction applications, and service the resulting loans.
• Service providers: vendors who support the platform — for example hosting, communications, verification, and analytics — bound by confidentiality obligations and permitted to use the data only on our instructions.
• Credit bureaus: as described in section 6.
• Authorities: where required by law, regulation, or a valid legal order.

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes.

6. Credit bureaus

When you submit a full loan application consenting to a bureau check, the lending partner may obtain your credit information from credit information companies regulated by the RBI, and may report the performance of your loan to them. This affects your credit history. Pricing a loan in the calculator, or submitting an enquiry form on this site, does not trigger a bureau enquiry.

7. Retention

We retain enquiry data for as long as needed to deal with the enquiry, and application and loan data for the period required by applicable law and by the lending partner's record-keeping obligations — typically for the life of the loan and for the statutory period afterwards. When information is no longer required, it is deleted or anonymised.

8. Security

Information is transmitted over encrypted connections and stored on systems with access controls. Access is limited to staff and partners who need it to perform the purposes described above. We maintain logging and monitoring to detect unauthorised access. No system is entirely immune to risk, and we will notify you and the relevant authorities of a breach where the law requires it.

9. Your rights

Subject to applicable law, you may:

• Request access to the personal information we hold about you;
• Request correction of information that is inaccurate or incomplete;
• Withdraw consent to processing, and request deletion of information we are not legally required to keep;
• Ask us to stop sending you promotional communications; and
• Raise a complaint about how your information has been handled.

Requests should be sent to [email protected]. We aim to respond within 30 days.

10. Cookies and analytics

The site uses cookies and similar technologies to keep the site working, remember preferences, and measure how pages are used in aggregate. You can block or delete cookies in your browser settings; parts of the site may not function as intended if you do. Analytics data is used in aggregate and is not used to identify you personally.

11. Third-party links

The site may link to websites operated by others, including lending partners. This policy does not cover those sites. Please read the privacy policy of any site you visit before providing personal information to it.

12. Children

The services on this site are not intended for anyone under 18, and we do not knowingly collect information from children. If you believe a minor has provided information to us, please contact us so that we can delete it.

13. Changes to this policy

We may update this policy to reflect changes in law, regulation or our practices. The revised version takes effect when published on this page, and the "last updated" date is revised accordingly.

14. Contact and grievance officer

Questions about this policy, or requests relating to your personal information, may be sent to:

• Grievance Redressal Officer — [email protected]
• Postal address — Office no 45, first floor, Harmony Mall, Bhagat Singh Nagar, New Link Road, Goregaon West, Mumbai — 400104
• Telephone — +91 99302 96785, Monday to Saturday, 10:00 to 19:00 IST

The escalation ladder, including the route to the lending partner and to the RBI, is set out on the grievance redressal page.