Privacy Policy

We value the trust you place in us and recognize the importance of secure transactions and privacy in information.

This privacy policy describes how Scapic Innovations Private Limited (hereinafter referred to as "Scapic/ we/ our/ us"), collects, uses, stores, or otherwise process your personal data through the super.money website https://super.money/, its mobile application owned and operated by us and the portals hosted on third party platforms (hereinafter referred to as the “Platform”).

We have a strong commitment to protecting your personal data and we respect your right to privacy.

Please note we do not offer any product or service under this Platform outside India and your personal data will be stored and processed in India.

By visiting this Platform, providing your data or availing out product/service, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of Use and the applicable service/product terms and conditions, and agree to be governed by the laws of India including but not limited to the laws applicable to data protection and privacy.

If you do not agree please do not use or access our Platform.

Collection of Your Information

When you use our Platform, we collect and store your information which is provided by you from time to time.

Once you give us your personal data, you are not anonymous to us.

We collect Personal data which is relevant and necessary for providing the services (such as but not limited to UPI, Fixed Deposits, Personal Loans, Co-branded Cards, etc.). to you on the Platform. You always have the option to not provide data by choosing not to use a particular service, product or feature on the Platform.

Types of Information we collect:

We collect the Personal Data listed below but not limited to which is relevant and necessary for providing the services requested by you and to continually improve the Platform:

• Personal details such as name, age, gender, photo, address, phone number, e-mail id, your contact details provided by you to us to avail various services from us on our platform;
• KYC-related information such as PAN, income details, and similar verification documents to the extent it is mandated by relevant regulatory authorities or as necessary for us to offer products and services.
• OTP sent to you by our partners, financial institutions or by us when you have opted for the services provided by the partner and financial institutions.
• Financial history and information, bank account details, debit or credit card information but not transactional data in relation to co-branded cards or card data such as card numbers, CVV, expiry, etc. transaction related details on or outside our services, credit information and credit related information to facilitate your access to services offered by us or our partners
• Analytics, except for certain products such as personal loans, a from third parties that pertain to your financial history or identity or similar such analysis
• your Short Messaging Service (SMS(es)) that are stored on your device for the purposes of, including but not limited to, registering you and your device for UPI, OTPs enhancing your security, bill payments and recharge reminders, determining your eligibility for products and services offered by us and other such legitimate uses with your consent.
• your device details such as device identifier, internet bandwidth, mobile device model, browser plug-ins, and cookies or similar technologies that may identify your browser, Applications and plug-ins, and time spent, IP address and location
• Voice recordings of conversations of you with our customer care agent to address your queries/grievances which may be used for investigations, training and analytical purposes.
• Opinions provided by you to us by way of feedback or responses to surveys.

Personal Data may be collected from you or from third parties through legitimate means for the purpose of providing services and products offered to you.

Use of Demographic / Profile Data / Your Information:

The Personal Data collected is processed for the following purposes:

• To authenticate your identity, create your account and ensuring secure access to our Platform, products, and services.
• To curate and present tailored offers, encompassing products and services from us and our partners.
• To process payments on your behalf, facilitating seamless transactions.
• To engage in communication regarding your inquiries, transactions, and to fulfill essential regulatory obligations.
• To enhance your user experience with respect to product/service offerings by analyzing user behavior
• Under specific circumstances, to allow third parties to contact you concerning products and services you have availed or requested through our platform .
• As allowed by applicable laws and regulations, we may utilize your Personal Information to conduct credit checks, screenings, and due diligence procedures.
• To detect, mitigate, and safeguard against fraudulent activities, errors, money laundering, and other criminal conduct.
• To uphold and enforce our terms and conditions, ensuring a secure and compliant environment for all users.
• To personalize your experience, including targeted marketing, advertising, and the presentation of tailored products and offers.
• We may share your data for enabling your journey on our platforms by sharing information with authorized financial institutions with whom we partner to offer you credit, saving and wealth related products and services.
• We may also share your information with third parties under contract who assist us with our business operations, including enabling your KYC process, eligibility checks, collection services, and storage of such information, as required by our partners.
• To address and resolve disputes, troubleshoot technical issues, provide comprehensive support, rectify software bugs, and maintain a safe and secure service.
• To identify and respond to security breaches and attacks, as well as to investigate, prevent, and take decisive action against illegal or suspected fraudulent or money laundering activities.
• To carry out forensic audits that involve the processing of your Personal Data in alignment with internal or external audits or investigations conducted by us, our partners, or government agencies,.
• To fulfill our legal obligations and responsibilities.

While we may process your Personal Data for other legitimate business purposes, we are committed to implementing appropriate measures to minimize such processing to the greatest extent possible, ensuring that it remains minimally intrusive to your privacy.

We maintain reasonable security protocols to protect your Personal Data from unauthorized access, alteration, disclosure, or destruction.

With respect to specific products and services such as loans and credit cards offered through our platform by financial institutions, we do not store, use, process, or have access to any financial information that is collected directly by the financial institutions such as KYC data, transaction details, etc. to the extent prohibited by applicable law.

Notwithstanding any provision stipulated above, As a lending service provider, we collect only such data is need-based and with your prior and explicit consent.

As a lending service provider for any lending partner, we do not access your file and media, contact list, call logs, telephony functions, etc. A one-time access may be taken for camera, microphone, location or any other facility necessary for the purpose of on-boarding/ KYC requirements only, with your explicit consent by us or our lending partners.

When you provide any information during your loan applications, we do not store, collect and process personal information including biometric information except some basic minimal data (viz., name, address, contact details of the customer, etc.) that may be required to carry out our operations on behalf of our lending partners.

Cookies

We use data collection devices such as "cookies" on certain pages of the Platform to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety.

"Cookies" are small files placed on your hard drive that assist us in providing our services.

Cookies do not contain any of your personal data. We offer certain features that are only available through the use of a "cookie".

We also use cookies to allow you to enter your password less frequently during a session.

Cookies can also help us provide information that is targeted to your interests.

Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session.

You are always free to decline/delete our cookies if your browser permits, although in that case you may not be able to use certain features on the Platform and you may be required to re-enter your password more frequently during a session.

Additionally, you may encounter "cookies" or other similar devices on certain pages of the Platform that are placed by third parties.

We do not control the use of cookies by third parties.

Sharing of personal data

Your personal data is shared as allowed under applicable laws, after following due diligence and in line with the purposes set out in this Policy.

We may share or disclose your collected personal data with our Flipkart group companies, technology partners, lending partners, merchants, and other third parties such as credit bureaus, Banks/NBFCs, and for UPI payments.

Furthermore, we may disclose personal data to law enforcement agencies, third-party rights owners, or other entities if required to do so by law, or if we believe that such action is necessary to comply with legal obligations, enforce our terms, inform the regulatory authorities and / or protect the rights, property, or personal safety of our users or the general public.

Your personal data will be shared, as applicable, on need-to-know basis, for the following purposes, including but not limited to:

• for providing products/services availed by you and facilitating the same, as requested
• for completing a payment transaction initiated by you on a merchant site, where based on your instructions, the merchant requests to fetch your Personal Data from us
• for enabling your lending journey by sharing information with authorized financial institutions with whom we partner to offer you credit-related products and services.
• if it is required by financial institutions to verify, mitigate, or prevent fraud or to manage risk or recover funds in accordance with applicable laws/regulations
• for services related to communication, marketing, data and information storage, transmission, security, analytics, fraud detection, risk assessment and research
• enforce our Terms of Use and this Privacy Policy;
• if required to do so by law or in good faith we believe that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process
• if requested by government authorities for government initiatives and benefits
• for grievance redressal and resolution of disputes, if any

We may also share your information with third parties under contract who assist us with our business operations, including enabling your KYC process, eligibility checks, collection services, and storage of such information, as required by our partners.

Affiliates and partners: We may share your data with partners, but only with your consent, where required, and for specific purposes, such as offering you products or services.

We ensure stricter or no less stringent privacy protection obligations are cast on these third party service providers wherever applicable and to the extent possible.

When data with third-parties is shared, regulatory bodies, governmental authorities, and financial institutions as per purposes set out in this Policy or as per applicable laws, we do not accept any responsibility or liability for usage of your Personal Information by these third parties or their policies.

Link to Other Sites

Our Platform may provide links to other websites that may collect personal data about you and you will be governed by their privacy policies.

Scapic shall not be responsible for the privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information.

Reasonable Security Practices

We maintain reasonable physical, electronic and procedural safeguards to protect your information.

Whenever you access your account information, we offer the use of a secure server.

Once your information is in our possession, we adhere to our security guidelines to protect it against unauthorized access.

We understand that as effective as our security measures are, no security system is impenetrable.

Hence, as part of our reasonable security practices, we undergo strict internal and external reviews to ensure appropriate information security encryption or controls are placed for both data in motion and data at rest within our network and servers respectively.

You are responsible for ensuring the protection of login and password to the Platform, please do not share your credential details with anybody.

It shall be your responsibility to intimate us in case of any actual or suspected compromise to your personal data.

Choice / Opt-out

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications after setting up an account with us.

If you do not wish to receive promotional communications from us, then you can contact support@super.money for the same.

Please note that withdrawing your consent may affect your ability to access or utilize certain products and services offered by us.

Advertisements

We use third-party advertising companies to serve ads when you visit our Platform.

These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide personalized advertisements about goods and services of interest to you.

You have an option to opt out from tracking personalized advertising by contacting at support@super.money .

Children Information

Use of our Platform is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. Services offered by Scapic are not available to persons below the age of 18 nor does Scapic knowingly solicit or collect Personal Data from such persons.

If you have shared any Personal Data of children under the age of 18 years, you represent that you have the authority to do so and permit us to use it in accordance with this Privacy Policy.

Scapic does not engage in tracking, behavioural monitoring or targeted advertising concerning children’s Personal Data..

Data Retention:

We retain your personal data in accordance with applicable laws, for a period no longer than is required for the purpose for which it was collected or as required under any applicable law or eight years whichever is higher.

However, we may retain data related to you if we believe it may be necessary to prevent fraud or future abuse, to enable us to exercise its legal rights and/or defend against legal claims or if required by law or We may continue to retain your data in anonymised form for analytical and research purposes.

Your Rights

We value you as a data principal and you are entitled to certain rights as per the applicable laws regarding your personal data processed by us.

You can access and review your Personal Data that is collected and processed, by writing to us at dpo@super.money.

You have an option to withdraw, your consent that you have already provided and for seeking deletion of your data by writing to us at dpo@super.money.

Please mention “for withdrawal of consent” or “deletion of data”in your subject line of your communication.

We will verify such requests before acting on our request.

Please note, however, that withdrawal of consent will not be retroactive and will be in accordance with the terms of this Privacy Policy, related terms of use and applicable laws.

In the event you withdraw consent given to us under this Privacy Policy, it may hamper your access to services that were availed on the basis of the consent provided.

In some cases, we may continue to retain your information as per the ‘Data Retention’ section of this Policy.

For the above requests, Scapic may need to request specific information from you to confirm your identity and ensure authentication.

This is a security measure to ensure that Personal Data is not disclosed to any person who does not have a right to receive it or is not incorrectly modified or deleted.

We will endeavour to close your requests under this section within 30 (thirty) days from the date of receipt of your request.

In cases where you need any further information specific to the product/ services that you are availing, we request you to read through the Terms and Conditions specific to the product/service which is easily accessible through the Platform.:

To exercise any of the above mentioned rights, please write to us at dpo@super.money to assist you with these requests.

Your Consent

By visiting our Platform or by providing your personal data, you consent to the collection, use, storage, disclosure and otherwise processing of your personal data on the Platform in accordance with this Privacy Policy.

If you disclose to us any personal data relating to other people, you represent that you have the authority to do so and to permit us to use the data in accordance with this Privacy Policy.

You, while providing your personal data over the Platform or any partner platforms or establishments, consent to us (including our other corporate entities, affiliates, lending partners, technology partners, marketing channels, business partners and other third parties like credit bureaus ) to contact you through SMS, instant messaging apps, call and/or e-mail for the purposes specified in this Privacy Policy.

Changes to the Privacy Policy

Please check our Privacy Policy periodically for changes . We may update this Privacy Policy to reflect changes to our information practices.

We will alert you to significant changes by posting the date our policy got last updated, placing a notice on our Platform, or by sending you an email when we are required to do so by applicable law.

Your Rights

For exercising your rights under this Privacy Policy:

Mr. Bharath Pusala

Scapic Innovations Private Limited

11th Floor, Scapic Innovations Private Limited,

Shilpitha Tech Park, Bellandur,

Bengaluru, Karnataka 560103

Email: dpo@super.money

For Grievances:

Mr. Bharath Pusala

Scapic Innovations Private Limited

11th Floor, Scapic Innovations Private Limited,

Shilpitha Tech Park, Bellandur,

Bengaluru, Karnataka 560103

Email: greivances@super.money

Contact us

If you have a query, concern, or complaint in relation to collection or usage of your personal data under this Privacy Policy, please contact us at support@super.money

Last Updated: 01st October 2025. Version 2