| Data Category | What we collect | Why we need it |
|---|---|---|
| Identity & KYC | Name, photo, PAN, masked Aadhaar, passport, date of birth | KYC required by RBI and anti-money-laundering law; opening your account or application with our partner |
| Academic | Offer letter, course and university details, fee invoice | Verifying the education purpose of your payment; blocked account, GIC, insurance or loan application |
| Financial | Bank details, remitter / sponsor details, source of funds; for loans: income documents and credit information | Making your payment, funding your account or card, processing your loan |
| Contact | Mobile, WhatsApp, email, address | OTPs, updates on your Service, important notices |
| Technical | IP address, device and browser details, logs | Security and fraud prevention |
Identity & KYC
- What we collect
- Name, photo, PAN, masked Aadhaar, passport, date of birth
- Why we need it
- KYC required by RBI and anti-money-laundering law; opening your account or application with our partner
Academic
- What we collect
- Offer letter, course and university details, fee invoice
- Why we need it
- Verifying the education purpose of your payment; blocked account, GIC, insurance or loan application
Financial
- What we collect
- Bank details, remitter / sponsor details, source of funds; for loans: income documents and credit information
- Why we need it
- Making your payment, funding your account or card, processing your loan
Contact
- What we collect
- Mobile, WhatsApp, email, address
- Why we need it
- OTPs, updates on your Service, important notices
Technical
- What we collect
- IP address, device and browser details, logs
- Why we need it
- Security and fraud prevention
Who we share it with: only the partners needed for your Service (banks, EduBao for blocked accounts, insurers, lenders, GIC banks, your university) and our service providers. Some of these are outside India. We never sell your data.
Your rights:
Withdraw: stop us from using your data at any time via Privacy Settings in your account or by emailing [email protected].
Access & correct: see what data we hold and fix anything wrong.
Erase: ask us to delete data we no longer need (some records must be kept by law).
Nominate: name a person to manage your data if you cannot.
Complain: contact our Grievance Officer at [email protected]. If unsatisfied, you can complain to the Data Protection Board of India.
Read our full Privacy & Cookie Policy.