Privacy Policy for Hypto Money
Effective Date: September 9, 2025
Last Updated: September 9, 2025
1. Our Commitment to Privacy
At Hypto Money, we are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy outlines how we collect, use, share, and secure your data when you use our app and associated services.
2. Information We Collect
We collect the following categories of data to provide you with secure and seamless financial services:
a. Personal Information
- Full Name
- Mobile Number
- Email Address
b. Financial Information
- Bank Account Details
- UPI Information
- Transaction History
c. Device & Usage Information
- IP Address
- Device Type and OS
- Location Data
3. How We Use Your Information
Your information is used strictly for the following purposes:
- To process secure transactions (e.g., AEPS, UPI, investments)
- To provide customer support and resolve queries
- To personalize the app experience
- To comply with regulatory and KYC requirements
4. Data Sharing & Disclosures
We do not sell your data. We share limited information only with authorized third-party service providers, solely to enable the services you opt for. These may include:
- AEPS, UPI, Recharge & Bill Payment APIs
- Investment & Gold partners
- Insurance & Tax filing services
- Loan & Lending NBFC partners
All partners are regulated entities and bound by confidentiality obligations.
5. Data Security
We apply industry-standard security practices to protect your information:
- End-to-end encryption for all sensitive data
- Compliant with RBI, NPCI, and PCI-DSS security standards
- Secure data processing via Razorpay, PayU Money, and other compliant gateways
- No storage of UPI PINs, CVV, or card details on our servers
6. User Rights
As a user, you have the right to:
- Request access to or deletion of your personal data
- Opt out of non-essential marketing communications
- Raise privacy-related concerns at any time via our support channel
📧 Privacy Contact Email: support@hyptomoney.in
7. Third-Party Payment & Investment Partners
We operate in partnership with licensed and regulated entities:
a. Payment Gateways
b. Digital Gold Partners
c. Fixed Deposit Partners
d. Loan NBFC Partners
- Kisetsu Saison Finance
- Aditya Birla Finance
- LendenClub (Innofin Solutions)
- Apollo Finvest
- KreditBee (Innovation Tech Solution)
- Lendingplate (Unifinz Capital)
8. Digital Gold Purchase Charges
- GST: 3%
- Buy-Sell Spread: 2% - 3%
Example: On a ₹100 purchase at ₹6000/gm, you receive approx. 0.0162g of gold after GST.
9. Loan Disclosure
For selected users only. Example:
- Loan Amount: ₹50,000
- Tenure: 12 months
- Interest Rate: 15% p.a.
- Processing Fee: 2% + GST
- EMI: ₹4,513
- APR: 18.89%
Note: Hypto Money does not lend directly and only facilitates loans via licensed NBFCs.
10. Fixed Deposit Investment Disclosure
- Offered via RBI-regulated banks and NBFCs
- Interest rates and withdrawal terms vary by partner
- Deposits up to ₹5,00,000 are insured under DICGC guidelines
- Hypto Money does not manage or store your funds
11. Legal & Compliance
- We comply with applicable data protection laws
- All financial products and services are governed by the terms of our partners
- Hypto Money does not offer financial advice; users must make informed decisions independently or consult certified advisors
12. Contact Information
13. Legal Links
Terms and Conditions
Effective Date: September 4, 2025
Last Updated: September 4, 2025
Welcome to Hypto Money -- your complete digital financial service hub. By accessing or using our app or website, you agree to the following Terms and Conditions. Please read them carefully before using any of our services.
1. Acceptance of Terms
By downloading, registering, or using Hypto Money, you agree to comply with and be legally bound by these Terms and our Privacy Policy. If you do not agree with any part of these terms, please discontinue using the app.
2. Eligibility
You must:
- Be at least 18 years of age
- Have a valid Aadhaar-linked mobile number and bank account (for AEPS & banking features)
- Use the app in compliance with applicable Indian laws
3. Services Offered
Hypto Money acts as a facilitator for the following services via third-party licensed partners:
- AEPS (Aadhaar Enabled Payment System)
- UPI & Bank Transfers
- Fixed Deposits (FD) via NBFCs & Banks
- Mutual Fund & SIP Investments via SEBI-registered entities
- NPS, Digital Gold, Insurance, Bill Payments, PAN Services, and Personal Loans
Note: Hypto Money does not provide financial advice or directly manage funds. All services are provided by regulated third-party partners.
4. User Responsibilities
By using the app, you agree:
- To provide accurate and complete information during registration and transactions
- Not to use the app for any illegal, fraudulent, or harmful activity
- To keep your login credentials secure and confidential
- To comply with the terms of service of all partner platforms you access through Hypto Money
5. Third-Party Services
All financial and utility services are delivered via authorized third-party providers, including:
- RBI-licensed banks and NBFCs for FDs and loans
- SEBI-registered AMCs/distributors for Mutual Funds and SIPs
- NPCI-compliant APIs for AEPS, UPI, and bill payments
- Digital Gold providers like SafeGold & MMTC-PAMP
Hypto Money is not liable for errors, delays, or failures in service caused by third-party systems or partners.
6. Loans and Lending
Loan services are provided by licensed NBFCs only, such as:
- Kisetsu Saison Finance, Aditya Birla Finance, LendenClub, Apollo Finvest, KreditBee, LendingPlate, etc.
Hypto Money is not a lender and does not determine eligibility, loan terms, or repayment conditions.
7. Fixed Deposit (FD) Services
FD services are offered through RBI-regulated partners like 1SilverBullet, StableBonds, and others.
- Hypto Money does not hold or invest your money
- All deposits are subject to the partner's terms, interest rates, and early withdrawal rules
- Deposit Insurance is provided up to ₹5,00,000 per DICGC rules (if applicable)
8. Investments & Risk Disclosure
Investments in Mutual Funds, SIPs, NPS, and Digital Gold are subject to market risks.
We do not guarantee returns. Please consult a financial advisor before investing. You are solely responsible for your investment decisions.
9. Account Suspension or Termination
We reserve the right to suspend, block, or terminate your account if:
- You violate any terms of this agreement
- You use the app for unlawful activities
- Required by law enforcement or regulatory bodies
10. Limitation of Liability
Hypto Money is not responsible for:
- Losses due to incorrect transactions initiated by you
- Delays or failures due to third-party service providers
- Unauthorized access to your account due to negligence in keeping login credentials safe
- Investment losses or failed loan approvals
Our maximum liability is limited to the amount paid (if any) for accessing premium features (if applicable).
11. Modifications to Terms
We may update these Terms from time to time. Continued use of the app after any changes constitutes acceptance of the new terms. Users will be notified via the app or email if there are significant updates.
12. Governing Law & Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Kolkata, West Bengal.
13. Contact Information
© 2025 Hypto Money. All Rights Reserved.
Unauthorized use or duplication of this app or its content is strictly prohibited.