Privacy Policy

App Name: UrbanMoney

Developer Name: Hytone Merchants PVT LTD

The Company is committed to protecting its Website visitors and mobile Application users’ privacy (such visitors and users, hereinafter collectively referred to as “Users” or “You” or “Your”). The following Privacy and Cookie Policy outlines the information Company (hereafter “UrbanMoney”, “We” or “Us”) may process and how we may use that information to better serve Users while using our Website (the ‘Website’), our mobile customer application (the ‘Application‘) and our services (collectively the “Services“).

If You have questions about this Privacy and Cookie Policy, please contact us at

  1. Purposes For Storage Of Your Personal Data

When You visit the Website, the administrator processes technical data such as Your IP-address, visited web pages, the internet browser You use, Your previous/next visited websites and the duration of a visit/session, to enable us to deliver the functionalities of the Website. In addition, in certain instances the browser may prompt You for Your geo-location to allow us to provide You with an enhanced experience. With this technical data the Website administrator can manage the Website, for instance by resolving technical difficulties or improving the accessibility of certain parts of the Website. This way, we ensure that You can (continue to) find the information on the Website in a quick and simple manner.
When You use the Application, we also process technical data such as Your IP-address, Device ID or MAC-address, and information about the manufacturer, model, and operating system of Your mobile device. Company may also process other data from Your phone such as contact list, location, SMS, information on usage of other apps, photo gallery, phone camera, etc. based on Your consent at the time of installing the Application or subsequent updates. We may also access information on other applications in Your phone based on the access settings or criteria of those applications. Company will use this data to enable itself to deliver the functionalities of the Application, resolve technical difficulties, and provide You with the correct and most up-to-date version of the Application and to improve the function of the Application.

  1. Personal Info

This app collects your name, mobile number, email address, PAN and verifies Aadhaar Number linked with your Mobile Number as part of Know Your Customer (KYC) process and to uniquely identify you and to preventing frauds and unauthorized access.

  1. SMS

We collect and monitor only your financial transactional SMS about bank-related transactions, the names of the transacting parties, a description of the transaction and the amount of the transaction for the purpose of performing credit risk assessment. This credit risk assessment enables us to perform a quicker loan disbursal. No personal SMS data is collected, read or stored.

  1. Location

This app collects the location data to help provide you with better loan offers, to verify addresses for KYC, reduce risk associated with your loan application and also to prevent any identity Fraud. We also collect this data when our App is running in the background of your mobile device.

  1. Contacts

This app collects and monitors the phonebook contacts to help you in providing references and auto-fill loan applications. We collect and monitor your contacts information including name, phone number, account type and other optional data. This helps in detecting fraudulent loan applications and reducing credit risk.

  1. Phone

This app collects and monitors specific information about your device including your hardware model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify devices and to prevent fraud. This also helps in enriching your credit profile and providing you with the best loan offers according to your profile.

  1. Storage

This app can access the file stored on your device to help you submit your KYC documents, Bank statements and other required documents to complete the loan application process.

  1. Camera

This app needs camera access so that you can easily scan or capture required KYC documents and save time by allowing us to auto-fill relevant data or to initiate an audio/video call for KYC purpose. This ensures that you are provided with a seamless experience while using the application.

  1. Installed Applications

This app collects and monitor each installed applications metadata information that includes application and package name, installed and updated time, version name and version code for all applications installed on your device. We use this to assess your credit worthiness and provide you with pre-approved customised loan offers.

  1. Microphone

We require microphone permission to initiate two-way audio communication as a part of KYC journey. This may be stored for future verification purposes.

  1. Social Account Information

We require you to register using social accounts (Google or Facebook) to access the app. We may collect Personal data (name, photo, ASID) associated with that account for the purpose of verification and to populate relevant fields in the course of app interface.

How can users remove permissions for UrbanMoney app?

While your data is protected with us, if you still wish to remove the permissions from App – You can do the same from Phone Settings > Apps >UrbanMoney > Permissions > Remove the permissions which you would like to remove.

How can users request deletion of data?

You can request to delete your account related content from our servers based on applicable law by writing to our Grievance Officer. We’ll remove the data, which we are not required by law to retain as per government policies within 30 days of receiving your request. You may not be able to use our services at all after such deletion is done.

2.Optimization Of Customer Service

When You register as a User, we will collect Your name, email address, country, language, password, mobile phone number, IP-address, Device ID.

We will use Your contact details to send You a welcoming email/message to verify Your username and password, to communicate with You in response to Your inquiries, and to send You service-related announcements, for instance, if our Services are temporarily suspended for maintenance. We will use Your registration information to create and manage Your User account. We may deactivate Your account if we suspect that You use our Application to commit fraudulent or illegal acts or if You violate our terms of use.

3.Personal Information

When You use the service of the Application, the Website or the CC we provide, You don’t reveal any of Your personal information to the other Users except to potential Benefactors when you have applied for a loan as a Beneficiary or as party to a contract where you are either a Beneficiary or a Benefactor.

When you use UrbanMoney Application, Website, or CC services, Company may also collect partial payment data and other information associated with transactions that you make using debit or credit cards, online banking services, ecommerce web sites and apps, and mobile wallets by accessing, collecting, and analysing Your SMS inbox. Company may also collect from Your mobile telephone information about Your contact list, location, and usage of other applications in order to understand your behaviour. Company will only do this with Your prior consent. Company may also record the identity of the product or service in respect of such SMS messages, and the price or fee paid or payable in respect of such products or services.

4.Disclosure Of Your Details

We may employ third party firms and individuals to facilitate or provide the Services on our behalf, to process payment, provide customer support, to perform Website-related or Application-related services (e.g., without limitation, maintenance services, database management, web or app analytics and improvement of the Website’s or Applications features) or to assist us in analyzing how our Services are used. These third parties may have access to Your personal information only to perform these tasks on our behalf and are contractually bound not to disclose or use it for any other purpose.

Company will disclose Your personal data to the extent that this is legally required, or necessary for the establishment, exercise or defense of legal claims and legal process; or in the event of an emergency pertaining to Your health and/or safety.

If You believe that any information we are holding on You is incorrect or incomplete, please write or email us at as soon as possible. We will promptly correct any information found to be incorrect.

5.How We Use Cookies

A cookie is a small file which asks permission to be placed on Your computer’s hard drive. Once You agree, the file is added and the cookie helps analyze web traffic or lets You know when You visit a particular site. Cookies allow web applications to respond to You as an individual. The web application can tailor its operations to Your needs, likes and dislikes by gathering and remembering information about Your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide You with a better website, by enabling us to monitor which pages You find useful and which You do not. A cookie in no way gives us access to Your computer or any information about You, other than the data You choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but You can usually modify Your browser setting to decline cookies if You prefer. This may prevent You from taking full advantage of the website.

6.Links To Other Websites

We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify You by email or SMS message and by means of a notice on the Website prior to the change becoming effective. We encourage You to periodically review this page for the latest information on our privacy practices.

7.Changes In This Privacy Policy

All related icons and logos are registered trademarks or trademarks or service marks of Company in various jurisdictions and are protected under applicable copyright, trademark and other proprietary rights laws. The unauthorized copying, modification, use or publication of these marks is strictly prohibited.

8.Contacting Us

If there are any questions regarding this privacy policy. You may write us at