Privacy Policy

Last Updated: December 2025

OneZone Pay Technologies Private Limited ("OneZpay", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website (collectively, the "Services").

Please read this Privacy Policy carefully. By using our Services, you consent to the practices described in this policy.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information:

• Identity Information: Full name, date of birth, gender, photograph, Aadhaar number (for eKYC), PAN number
• Contact Information: Email address, phone number, residential address
• Employment Information: Employer name, job title, work address, monthly income, employment duration
• Financial Information: Bank account details, bank statements, existing loans, credit history
• Device Information: Device ID, IP address, operating system, browser type, app version

1.2 Information from Third Parties

We may receive information from:

• Credit bureaus (CIBIL, Experian, Equifax) for credit score and history
• DigiLocker for Aadhaar verification
• EPFO for employment verification
• Bank account aggregators for bank statement analysis

1.3 Automatically Collected Information

When you use our Services, we automatically collect:

• Log data and usage statistics
• Device identifiers
• Location data (with your permission)
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

• Process your loan application
• Verify your identity and eligibility
• Assess your creditworthiness
• Disburse approved loans
• Manage your account and loan repayments
• Communicate with you about your loan and our services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security
• Improve our products and services
• Send promotional communications (with your consent)

3. Information Sharing

We may share your information with:

3.1 Lending Partners

We share your information with our NBFC lending partners who process and disburse your loan. They are required to maintain the confidentiality of your information.

3.2 Service Providers

We engage third-party service providers for:

• KYC verification services
• Payment processing
• Cloud storage and hosting
• Analytics and performance monitoring
• Customer support services

3.3 Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights and safety.

3.4 Business Transfers

In case of merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Security

We implement robust security measures to protect your information:

• 256-bit SSL encryption for data transmission
• Encrypted data storage
• Access controls and authentication
• Regular security audits
• Employee training on data protection

However, no system is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as:

• Your account is active
• Your loan is outstanding
• Required by applicable laws and regulations
• Necessary for legitimate business purposes

After the retention period, we securely delete or anonymize your data.

6. Your Rights

You have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request your data in a structured format
• Withdraw Consent: Withdraw consent for processing (may affect services)
• Opt-out: Opt-out of marketing communications

To exercise these rights, contact us at privacy@onezpay.in

7. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage
• Provide personalized content
• Improve user experience

You can manage cookie preferences through your browser settings.

8. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review their privacy policies.

9. Children's Privacy

Our Services are not intended for individuals under 21 years of age. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or email. Continued use of our Services after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related questions or concerns, contact:

Privacy Officer
OneZone Pay Technologies Private Limited
Email: privacy@onezpay.in
Hyderabad, Telangana, India

12. Grievance Redressal

If you have any grievances regarding data privacy, you may contact our Grievance Officer at grievance@onezpay.in. We will address your concerns within 30 days.