1. Introduction
This Privacy Policy explains how GetEqt Private Limited ("GetEqt", "we", "us") handles your personal data when you use our website, mobile app and related services (together, the "Platform"). We follow the Information Technology Act, 2000, the rules made under it, and the Digital Personal Data Protection Act, 2023.
By creating an account or using the Platform, you agree to this Privacy Policy. If you do not agree, please do not use the Platform.
2. Information we collect
Information you give us
- Account details: name, mobile number and email address.
- Identity (KYC) details: Aadhaar and PAN details fetched from DigiLocker with your consent, and your address.
- Bank details: account holder name, account number, IFSC code and bank name, used for payouts and refunds.
- Nominee details: nominee name, relationship, contact details, ID type, ID number and ID proof image.
- Investment details: properties you invest in, amounts, SIP choices, signed agreements and sale requests.
- Support messages: anything you send us when you contact support or book a call.
Information collected automatically
- Device and log data such as IP address, device type, operating system, app version, and the date and time of requests.
- Payment status information from our payment gateway (for example, whether a payment succeeded). We do not receive or store your full card number, CVV, UPI PIN or net banking password.
3. How we use your information
- To create and manage your account and verify your identity (KYC).
- To process your investments, payments, wallet transactions, refunds and sale requests.
- To prepare your property ownership agreement.
- To credit returns, cashback and payouts to you or your nominee.
- To send you OTPs, transaction updates and important service messages.
- To prevent fraud, misuse and duplicate accounts, and to keep the Platform secure.
- To meet legal, tax, accounting and regulatory requirements.
- To improve the Platform. We do not sell your personal data.
4. Aadhaar, PAN and KYC data
- Aadhaar and PAN are verified through DigiLocker using our verification partner, Cashfree Payments. You log in to DigiLocker yourself and choose to share your documents with us.
- From Aadhaar we keep your name, date of birth, gender, address, photo and the last four digits of your Aadhaar number.
- From PAN we keep your name and PAN number.
- Your KYC data is used only to verify your identity, to prepare your agreements, and to meet legal requirements.
5. Who we share it with
We share personal data only when needed, and only with:
- Cashfree Payments India Pvt. Ltd. for KYC verification (DigiLocker) and for processing online payments and refunds.
- Banks and payment networks to complete payments, refunds and payouts.
- SMS, email and hosting providers who help us run the Platform, under confidentiality obligations.
- Channel partners, only the limited details needed to track a referral, if you used their referral code.
- Government, regulators, courts or law enforcement, when the law requires it.
6. Payments
Online payments are processed by Cashfree Payments, an RBI-authorised payment aggregator that follows PCI-DSS standards. Your card, UPI and bank login details are entered on Cashfree's secure checkout and are never shared with us. We receive only the payment status, amount, payment ID and payment method type.
7. How we protect your data
- All data moves over encrypted HTTPS connections.
- Sensitive data such as bank account numbers and nominee ID proofs are encrypted in our database and files.
- Access to personal data is limited to authorised staff who need it for their work.
- We use OTP-based login and token-based access to your account.
No system is 100% secure. If we become aware of a data breach that affects you, we will inform you and the authorities as required by law.
8. How long we keep it
We keep your data while your account is active, and after that only as long as required for legal, tax, accounting and anti-fraud purposes (generally up to 8 years for financial records under Indian law). After that, the data is deleted or anonymised.
9. Your rights
Under the Digital Personal Data Protection Act, 2023, you can:
- Ask for a summary of the personal data we hold about you.
- Ask us to correct or update inaccurate data.
- Withdraw your consent and ask us to delete your data, subject to the legal retention needs above.
- Nominate a person to exercise your rights in case of death or incapacity.
- Raise a grievance with us, and then with the Data Protection Board of India.
To use any of these rights, email geteqt@gmail.com.
10. Deleting your account
You can delete your account from the app. Once deleted, you will be logged out of all devices and you cannot log in or register again with the same mobile number. Your account will be deleted within 24 hours. Investment and payment records are kept as required by law (see section 8). Please withdraw or sell any active holdings and wallet balance before deleting your account.
11. Cookies
Our website uses only essential cookies needed for the site to work and stay secure. We do not use advertising cookies.
12. Children
The Platform is only for people aged 18 or above. We do not knowingly collect data from anyone under 18.
13. Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top shows the latest version. For important changes, we will notify you in the app or by email.
14. Contact and grievances
Grievance Officer: GetEqt Private Limited
Email: geteqt@gmail.com
Address: GetEqt Private Limited, First Floor, Enkay Tower, Plot No. B&B1, Vanijya Nikunj, Udyog Vihar Phase-V, Gurgaon 122016, Haryana, India
We acknowledge complaints within 48 hours and aim to resolve them within 15 days.