Legal

Privacy Policy

Effective 20 August 2026Value Garage Private LimitedData residency: India

This policy explains what MaxiMoney LF collects, why it is collected, where it is kept and what you can ask us to do with it. It applies to the MaxiMoney LF application and this website, both operated by Value Garage Private Limited (CIN U66190DL2025PTC453505), referred to below as "we" or "us".

01

What we collect

We collect only what the verification flow needs. Nothing beyond it.

Mobile numberTo identify you and to send the one-time verification code.
PANTo confirm your identity, as required for any future investment onboarding.
Bank account detailsThe account you use for the ₹1 verification, so the ₹1 can be returned to it and so a future withdrawal can be sent to the same account.
Your answersWhere your money currently sits, what you are building toward, and the amount you intend to set aside.
Device and usage dataApp version, device model, operating system, crash reports and basic screen events, used to fix faults and improve the flow.

We do not collect your Aadhaar number, your contacts, your photo gallery, your SMS messages or your location.

02

Why we collect it

To verify that you are who you say you are and that the bank account is yours; to place you in the early-access queue; to meet record-keeping obligations that apply to us as a distributor; to keep the service secure and fix faults; and to contact you about your own verification. We do not use your data to build advertising profiles.

03

Consent

We process your personal data on the consent you give when you submit each step of the flow. You may withdraw that consent at any time by asking us to delete your account. Withdrawing consent does not affect processing already carried out, and it means we can no longer keep you in the early-access queue.

04

How it is stored and secured

PAN is encrypted at restIt is never shown back to you in full and never appears in logs.
Codes are stored as hashesOne-time codes cannot be read back by anyone, including us.
Every byte stays in IndiaCustomer data is stored and processed on servers located in India.
Access is limitedOnly staff who need a record to do their job can reach it, and access is logged.

Data in transit is encrypted using TLS. No system is perfectly secure, and we do not claim otherwise; if a breach affects your data we will inform you and the relevant authority as required by law.

05

Who we share it with

We do not sell your data and we do not share it for anyone else's marketing. We share the minimum necessary with:

Payment partnersTo collect and return the ₹1 verification charge.
Verification providersTo send one-time codes and to validate PAN and bank details.
Infrastructure providersHosting, storage and error monitoring, under contract and within India.
AuthoritiesWhere a law, regulator, or court order requires disclosure.
06

How long we keep it

We keep your records while your account is active. After you ask for deletion we remove them within 30 days, except records we are required to retain by law — chiefly transaction and tax records tied to the ₹1 verification. Those are kept for the statutory period and then deleted.

07

Your rights

You can ask us to show you the data we hold about you, correct anything inaccurate, delete your account, or withdraw consent. Write from your registered email or mobile number to nevaid@maximoney.in and we will respond within 30 days.

How to delete your account →
08

Children

The service is for people aged 18 and above. We do not knowingly collect data from anyone under 18. If we learn that we have, we delete it.

09

Changes to this policy

If we change this policy we will post the new version here with a new effective date, and where the change is material we will notify you in the app or by email.

10

Contact

Privacy and support
Nevaid Aggarwal
nevaid@maximoney.in
Registered office
Value Garage Private Limited
Flat No. 26, Vandana Apartment
East Delhi – 110092, Delhi, India