Privacy Policy

Last Updated: 21 Aug 2025
NetWarth (the “organization,” “we,” “our,” or “us”) values the trust you place in us and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you use the NetWarth Platform (our website, Android/iOS apps, and related services). By accessing or using our services, you consent to the practices described in this Privacy Policy.
If you see undefined terms in this Privacy Policy, they have the same meaning as outlined in our Terms & Conditions of Use.
1. Information We Collect
We may collect the following categories of information:
a. Personal & Sensitive Information
  • Name, email ID, mobile number, photograph, and signature.
  • Financial details such as bank account information, UPI ID, credit/debit card details, and investment-related data.
  • Identity and address proofs (e.g., PAN, Aadhaar, Passport, Driving License).
  • Educational/professional background.
  • Transactional data from your interaction with our financial literacy games, calculators, and learning tools.
b. Device & Usage Information
  • IP address, browser type, operating system, device identifiers.
  • Activity logs (pages visited, features used, clicks, time spent).
  • Cookies and tracking technologies for improving user experience.
c. Permissions (with explicit consent)
  • Contacts: To enable referrals, invitations, and community learning features.
  • Camera/Storage: For uploading KYC/ID documents where required.
  • Email/SMS (optional): If you opt in, we may securely parse financial statements (bank/NBFC emails or SMS) for personalized tools like budget tracking and investment simulations. This access is automated and restricted only to financial communication; personal messages are not accessed.
You may refuse or revoke permissions at any time, though this may limit certain features.
2. How We Use Your Information
Your information helps us:
  • Provide, personalize, and improve our Services (e.g., financial tools, calculators, literacy modules).
  • Facilitate account registration, authentication, and secure login.
  • Process payments and verify transactions.
  • Communicate with you regarding updates, offers, learning materials, and policy changes.
  • Ensure regulatory compliance and respond to lawful requests.
  • Prevent fraud, unauthorized access, or misuse of our platform.
  • Prevent fraud, unauthorized access, or misuse of our platform.
3. Sharing of Information
We do not sell or rent your personal information. We may share data only in these circumstances:
    • Service Providers & Partners: To facilitate services (e.g., payment gateways, analytics providers), under strict confidentiality agreements.
    • Legal Obligations: When required by law, regulation, or valid legal process.
    • Business Transactions: In case of a merger, acquisition, or restructuring, user data may be transferred subject to equivalent safeguards.
    • Promotions/Referrals: With your consent, limited data may be used for referral rewards or promotional campaigns.
4. Security of Information
We employ multiple safeguards, including:
  • SSL encryption for all sensitive transactions.
  • Secure servers, firewalls, and limited employee access.
  • Regular audits to detect vulnerabilities.
  • Compliance with IT Act, 2000 and Reasonable Security Practices Rules, 2011.
However, no system is fully secure. By using our Services, you accept inherent risks of data transmission over the internet.
5. Data Retention
We retain your information for as long as required to:
  • Provide Services, comply with legal/regulatory obligations, and resolve disputes.
  • Deleted account data will be permanently removed after a 15-day reversal window (if you request account deletion).
6. Your Rights & Choices
You have the right to:
  • Access, update, or correct your personal information.
  • Withdraw consent for optional features (contacts, email, SMS).
  • Opt-out of marketing communications by writing to us at os1@netwarth.in.
  • Request account deletion by sending a mail at os1@netwarth.in.
7. Cookies & Tracking
We use cookies to:
  • Remember your preferences.
  • Improve performance and analytics.
  • Deliver relevant content. You can manage cookies via browser settings, though some features may not function properly if disabled.
8. Third-Party Links & Integrations
Our platform may contain links to third-party websites or social media features. We are not responsible for the privacy practices of such third parties. Please review their privacy policies independently.
9. Policy Updates
We may update this Privacy Policy from time to time. Significant changes will be notified via email or platform notification. Continued use of our Services after such updates will constitute your consent.
10. Grievance Officer
As per the IT Act, 2000 and SPDI Rules, 2011, our Grievance Officer is:
Name: Anurag Baghel
Email: anurag@netwarth.in
Phone: +91 9769350874