Overview & Introduction
By accessing or using the Moneymonial platform — whether to search for properties, list a property, connect with agents, or use any of our investment tools — you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
This policy applies to all users of our platform, including property buyers, sellers, tenants, landlords, real estate agents, and investors across India. We are committed to handling your personal information with the utmost care, transparency, and respect for your privacy rights under the Information Technology (Amendment) Act, 2008 and the Digital Personal Data Protection Act, 2023.
Information We Collect
We collect different categories of information depending on how you interact with our platform. The information we collect falls into three broad categories:
| Category | Examples | When Collected |
|---|---|---|
| Identity & Contact | Full name, email address, phone number, date of birth, PAN / Aadhaar (optional) | Registration, profile creation, KYC verification |
| Property Data | Preferred locations, property type, budget range, saved searches, viewed listings | Search activity, shortlisting, saved properties |
| Financial Information | Annual income range, loan eligibility, investment preferences (no card/bank details stored) | EMI calculator, home loan enquiry, investment tools |
| Technical & Device | IP address, browser type, operating system, device ID, session duration, referral URL | Automatically upon visiting our platform |
| Location Data | City, state, approximate GPS location (with consent), PIN code | Property search, nearby listings feature, app usage |
| Communication Data | Messages to agents, enquiry forms, support tickets, call recordings (disclosed) | Agent connect, customer support interactions |
How We Use Your Data
We use the information we collect for specific, legitimate purposes directly related to providing and improving our real estate services. We will never use your data in ways that are incompatible with the purposes described here without your explicit consent.
- Service Delivery: To process property searches, connect you with relevant listings and certified agents, facilitate enquiries, and manage your account and preferences.
- Personalisation: To tailor property recommendations, investment insights, and search results based on your stated preferences, search history, and behaviour on our platform.
- Communication: To send transactional emails and SMS (enquiry confirmations, account alerts), service updates, and — with your consent — promotional content about new listings, price drops, and market insights.
- Analytics & Improvement: To understand how our platform is used, identify technical issues, measure the effectiveness of features, and continuously improve the user experience.
- Legal Compliance: To comply with applicable Indian laws and regulations, respond to lawful requests from government authorities, and enforce our Terms of Service.
- Fraud Prevention & Security: To detect and prevent fraudulent listings, identity fraud, unauthorised access, and other malicious activity on our platform.
- Market Research: To analyse real estate market trends using aggregated, anonymised data to produce insights shared publicly or with our partners.
- Agent Matching: To intelligently match buyers and tenants with the most suitable certified agents based on locality, property type, and client profile.
Sharing & Disclosure
We do not sell, rent, or trade your personal information. We share your data only in the limited circumstances described below, and always with appropriate data protection safeguards in place.
| Recipient | Purpose | Safeguards |
|---|---|---|
| Verified Real Estate Agents | When you submit an enquiry or request a callback, your contact details are shared with the relevant certified agent to facilitate a response. | Agent Data Processing Agreement; limited to enquiry-related use only. |
| Property Developers | When you express interest in a new project or request a site visit, your details may be shared with the developer to arrange the same. | RERA-registered developers only; data sharing agreement in place. |
| Financial Partners | With your explicit consent, we share information with home loan providers or financial institutions to help you get the best mortgage offers. | Consent required; RBI-regulated institutions only. |
| Technology Service Providers | Cloud hosting, email delivery, analytics, payment processing, and other infrastructure services necessary to operate our platform. | Data Processing Agreements; access limited to what is necessary. |
| Legal Authorities | When required by law, court order, or to protect the legal rights, safety, or property of Moneymonial, our users, or the public. | Disclosed only to the extent required by law. |
Cookies & Tracking Technologies
We use cookies, web beacons, pixel tags, and similar tracking technologies to enhance your experience, analyse platform usage, and deliver relevant content. You can manage your cookie preferences through your browser settings or our cookie consent manager.
- Essential Cookies: Required for the platform to function correctly — user authentication, session management, security tokens. These cannot be disabled.
- Functional Cookies: Remember your preferences such as saved searches, preferred city, language settings, and recently viewed properties.
- Analytics Cookies: Help us understand how visitors interact with our platform (e.g., Google Analytics, Mixpanel). Data is aggregated and anonymised.
- Marketing Cookies: Used to serve relevant property advertisements on third-party platforms (e.g., Google Ads, Meta Ads) based on your browsing behaviour. Requires your consent.
- Performance Cookies: Monitor platform performance, page load speed, and technical errors to help our engineering team identify and resolve issues.
Data Retention
We retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. The following retention periods apply:
- Account Data: Retained for the duration of your active account plus 3 years following closure, to comply with legal and tax obligations.
- Enquiry & Transaction Records: Retained for 7 years in accordance with Indian financial record-keeping requirements.
- Property Search & Browsing History: Retained for 24 months from the date of activity, after which it is anonymised or deleted.
- Communication Records: Chat messages and support tickets retained for 2 years; call recordings for 6 months.
- Marketing Preferences: Retained until you withdraw consent or opt out of marketing communications.
- Technical & Device Data: Retained for 13 months in line with analytics data retention standards.
When data is no longer required, we securely delete or anonymise it so that it can no longer be linked back to you. Data that has been anonymised may be retained indefinitely for market research and trend analysis purposes.
Data Security
We implement comprehensive technical and organisational security measures to protect your personal data against unauthorised access, accidental loss, disclosure, alteration, or destruction. Our security infrastructure includes:
- Encryption in Transit: All data transmitted between your browser/app and our servers is encrypted using TLS 1.3, the industry-leading standard for data-in-transit security.
- Encryption at Rest: Sensitive personal data stored in our databases is encrypted at rest using AES-256 encryption.
- Access Controls: Strict role-based access controls ensure that only authorised Moneymonial personnel with a legitimate business need can access personal data.
- Two-Factor Authentication: Available for all user accounts and mandatory for all internal employee accounts with access to user data.
- Regular Security Audits: We conduct quarterly penetration testing and annual independent security audits of our platform and infrastructure.
- Incident Response: In the event of a data breach, we will notify affected users and the relevant authorities within 72 hours of becoming aware, as required by applicable law.
- Employee Training: All Moneymonial employees handling personal data undergo mandatory data privacy and security training on a biannual basis.
Your Privacy Rights
Under the Digital Personal Data Protection Act, 2023 and other applicable Indian laws, you have the following rights with respect to your personal data. We are committed to honouring these rights and will respond to verified requests within 30 days.
Right to Access
Request a copy of all personal data we hold about you, including how it is processed and shared. We will provide this in a clear, structured format.
Right to Correction
Request correction of any inaccurate, incomplete, or outdated personal information. You can update most information directly in your account settings.
Right to Erasure
Request deletion of your personal data, subject to our legal obligations to retain certain records. Account deletion can be initiated from your settings.
Right to Portability
Request your personal data in a machine-readable format (JSON or CSV) so you can transfer it to another service provider of your choice.
Right to Object
Object to the processing of your personal data for direct marketing, profiling, or where processing is based on our legitimate interests.
Right to Restriction
Request that we restrict processing of your data while a correction request or objection is being reviewed, or where processing is unlawful.
Right to Withdraw Consent
Withdraw consent for marketing communications or optional data processing at any time. This will not affect the lawfulness of prior processing.
Right to Lodge a Complaint
Lodge a complaint with India's Data Protection Board if you believe your rights have been violated and we have not adequately addressed your concern.
To exercise any of these rights, please submit a request to privacy@moneymonial.in with the subject line "Data Rights Request" and your registered email address. We may need to verify your identity before processing the request.
Third-Party Links & Services
Our platform may contain links to third-party websites, tools, or services — including property developer websites, home loan calculators hosted by banks, and social media platforms. These third-party sites have their own independent privacy policies, and we have no control over, or responsibility for, their content or practices.
We encourage you to review the privacy policy of every third-party website you visit. The inclusion of a link to a third-party website on our platform does not constitute our endorsement of that website or its privacy practices.
Children's Privacy
The Moneymonial platform is intended for use by individuals who are at least 18 years of age. We do not knowingly collect, solicit, or process personal data from children under the age of 18. Our services involve real estate transactions and financial decisions that are, by their nature, suited only to adults.
If we become aware that we have inadvertently collected personal data from a person under 18, we will take immediate steps to delete that information from our records. If you are a parent or guardian and believe your child has provided us with personal data without your consent, please contact us immediately at privacy@moneymonial.in.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or regulatory guidance. When we make material changes, we will:
- Update the "Last Updated" date at the top of this page and in the page header.
- Send a notification to your registered email address summarising the key changes.
- Display a prominent notice on our platform homepage for at least 30 days following a significant update.
- For material changes that require your consent, we will seek your explicit agreement before the changes take effect.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of the Moneymonial platform after the effective date of any changes constitutes your acceptance of the updated policy, to the extent permitted by applicable law.
Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please reach out to our dedicated Data Protection Team. We are committed to addressing your queries promptly and transparently.