Privacy Policy

We collect the following types of information when you use our services:


Personal Information

Personal information that you voluntarily provide during account creation, including: Full Name, Email Address, Phone Number, Date of Birth, PAN Number, Bank Account Details, Aadhaar or other identity verification documents (as required under KYC norms)

Financial Information

To offer our services effectively, we may collect: Investment history, Financial status and preferences, Transactions related to mutual funds and Digi Gold purchases.

Usage Information

When you visit our website or use our services, we collect: IP address, Device type and browser, Usage statistics like session duration and user activity (page views, clicks, etc.), Cookies and other tracking technologies

Sensitive Personal Data or Information (SPDI)

Under Indian law, sensitive personal data such as financial details, passwords, and biometric data must be handled with special care. We only collect this information where necessary to comply with legal obligations, such as Know Your Customer (KYC) requirements.

We may aggregate non-identifiable personal information to improve product design, conduct research, and develop customised marketing offers, either by us or with third-party consultants. When you use our AI playlist or register to set up an investment account, we collect personal information to comply with regulatory requirements and activate your account with Asset Management Companies (AMCs). This information is shared with select third parties, such as AMCs, registrars, stock exchanges (BSE), payment gateways, and our group companies, to facilitate transactions, maintain records, and send notifications.

We also collect data about your transactions and interactions with third parties like your bank to provide our services effectively. 

Non-Personal Information
We collect non-personal behavioural data when you browse or use the Dive Money platform. If you register via Gmail, we retrieve information to continue providing our services and interacting with you.

Any personally identifiable information that is publicly available (e.g., on social platforms like Facebook or Twitter) or posted on public sections of our platform is not considered sensitive under this Privacy Policy. We and our partners may also contact you occasionally to update your personal information for features that we believe may benefit you.

We may use the information collected online, along with your personal data or publicly available information, to customise your experience and communications with us, both online and offline. Third-party service providers working with us are required to protect your personal information and only access it when necessary.

Your personal information is stored securely and can be viewed or updated through our app, via email, or by contacting customer service. We may use this data to send you customised recommendations and marketing communications, with the option to opt-out at any time.

If you correspond with us, we may store that communication to respond to your inquiries or address concerns about your use of the platform. We retain personal and non-personal information as long as necessary for the purposes outlined in this Privacy Policy.
Dive Money stores your information on secure servers in India, using encryption methods for data transmission and storage.

1. Service Delivery: To allow you to invest in Digi Gold and manage a diversified mutual fund portfolio.
2. Customer Support: To respond to inquiries, provide customer support, and troubleshoot issues.
3. Personalization: To recommend investment options and tailor your portfolio based on your preferences using AI-based algorithms.
4. Compliance: To meet legal and regulatory obligations, including KYC and AML (Anti-Money Laundering) requirements. To validate, process and/or share your KYC information, nominee details with other intermediaries, Business Partners or AMCs or financial institutions or with any other service providers as may be required
5. Marketing and Communication: With your consent, we may send you information about new products, features, and investment opportunities.
6. Improvement of Services: For analysing trends and enhancing user experience.

You expressly consent to us collecting, storing, processing, transferring, and sharing your information, including personal information, with third parties such as banks, financial institutions, credit information companies, entities registered with regulatory bodies like the Securities and Exchange Board of India (SEBI), National Stock Exchange (NSE), BSE Limited, Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), payment gateways, collecting banks, KRAs, and others. This is done solely to review your profile, process transaction requests, and facilitate services or other products offered by us, our affiliates, or group companies.

We use your IP address to diagnose and resolve server issues, administer the platform, identify you, and collect broad demographic data. This helps us improve our services and address technical challenges effectively.

From time to time, we may invite you to participate in optional online surveys. These surveys may request your contact and demographic information (e.g., zip code, age, income level) to personalize your experience on the platform, offering content tailored to your preferences.
We may use your personal information to send you promotional emails. However, you will always have the option to opt out of receiving such emails. Please note that even if you opt out of promotional communications, we may still send you essential non-promotional emails regarding your account or our services.

We will never share your personal information with other users of the platform without your explicit consent.

We will not sell or rent your personal information to third parties. However, we may share your data in the following circumstances:

• Service Providers: With third-party service providers who help us offer our services, such as payment gateways, KYC verification services, cloud storage providers, etc.
• Regulatory Authorities: To comply with legal obligations, regulatory requirements, or in response to a legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
• With Your Consent Terms or Privacy Policy: When you explicitly give us permission to share your data.

Dive Money values your privacy and adheres to Google OAuth API policies, including compliance with restricted scopes. Here’s how we handle your data:

• Optional Gmail Connection: Connecting your Gmail account to the Dive Money application is entirely optional and based on your explicit consent for specific use cases outlined in this Privacy Policy. You can de-link your Gmail account at any time through Google’s permission settings at https://myaccount.google.com/permissions or by contacting us at hello@dive.money
• Data Usage: We use your Gmail data solely to provide or enhance user-facing features that are prominent within the application. This data is never rented, sold, or used for advertising purposes, including retargeting, personalized, or interest-based ads. Third-party analytics providers are not given access to your data.
• Limited Data Transfers: Data is shared only when necessary to provide or improve user-facing features, comply with applicable law, or as part of a merger, acquisition, or asset sale with prior notice to users. No other transfers or sales of user data are allowed.
• No Unauthorized Access: Human access to Gmail data is prohibited unless:
(a) You provide explicit consent for specific messages.
(b) Access is required for security purposes (e.g., investigating bugs or abuse).
(c) It is necessary to comply with legal obligations.
(d) Data is anonymized and aggregated for internal operational purposes.
• Strict Compliance: Dive Money ensures that all employees, agents, contractors, and successors comply with Google’s API Services User Data Policy. This includes prohibiting the use of raw data and any derived or aggregated data obtained from restricted scopes for unauthorized purposes.


Dive Money remains committed to protecting your information and only using it to enhance your experience while maintaining full compliance with Google’s privacy requirements.

At Dive Money, we implement robust security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Internal Reviews: Regular evaluations of our data collection, storage, and processing practices to ensure they align with best practices.
• Encryption: Appropriate encryption protocols to safeguard sensitive information.
• Physical and Network Security: Servers are secured behind firewalls, with password-protected access restricted to authorized personnel only.


All information collected is securely stored within our company-controlled database. While we take every precaution to protect your data, no system can guarantee complete security. Data transmission over the internet carries inherent risks, and we cannot assure that information will not be intercepted during transmission.

Please note that any information shared in public areas, such as discussion forums, is accessible to anyone with internet access. We encourage you to exercise caution when sharing personal information in such spaces.

Dive Money remains committed to continually enhancing our security measures to protect your data to the best of our ability.

The internet and regulatory landscape are constantly evolving. To keep pace with these changes, Dive Money may update this Privacy Policy periodically to reflect advancements in technology, legal requirements, or operational needs.

• Effective Date of Changes: Any changes to this policy will take effect immediately upon posting the updated version on our website or mobile applications. By continuing to use our services after such updates, you agree to the revised terms.
• Notification of Updates: While we may notify you of significant changes via email, it is your responsibility to review this policy periodically on our platform to stay informed of the latest terms.
• Your Choices: If you are uncomfortable with any updates to the Privacy Policy, you may discontinue the use of Dive Money services. You may also contact us at hello@dive.money to update or delete your personal information collected by Dive Money.

We are committed to maintaining transparency and ensuring that you remain informed about how your information is used. Please discontinue use of our services and reach out to us if you do not agree with any changes made to this policy.

When you use products or services from third-party providers on the Dive Money, your personal information may be collected by these providers and will be governed by their respective privacy policies. We encourage you to review their privacy policies and terms of service to understand how your information will be handled.

Our platform may also include links to external websites or applications. These third-party platforms operate under their own privacy policies, which are beyond our control. Once you leave our platform (as indicated by the change in the URL or redirect to another site), any personal information you provide to those websites or applications will be subject to their privacy policies.

We strongly recommend reviewing the privacy policies of these third-party websites or contacting their operators for clarification before proceeding. Please note that we are not responsible for the privacy practices, data usage, or policies of these third-party platforms and disclaim any liability for their handling of your personal information.