Privacy Policy

How we collect, use and protect your personal data.

DISCIFIN PRIVACY POLICY & DATA PROTECTION NOTICE

Effective Date: 01, October 2026

This Privacy Policy & Data Protection Notice ("Privacy Policy") describes how Arthnaut Fintech LLP ("Arthnaut", "DisciFin", "Company", "we", "our", or "us") collects, uses, stores, processes, protects, and shares your personal information when you access or use the DisciFin mobile application ("App"), our website (www.discifin.co), and any related products or services (collectively referred to as the "Services").

At DisciFin, protecting your privacy is one of our highest priorities. We are committed to handling your personal information responsibly, transparently, and securely, in accordance with applicable laws and industry best practices.

This Privacy Policy has been prepared in accordance with the provisions of the Digital Personal Data Protection Act, 2023 (India) and has been designed to support the privacy disclosure requirements of the Google Play Store and the Apple App Store.

By downloading, installing, registering for, accessing, or using the Services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

If you do not agree with any part of this Privacy Policy, please do not use the Services.

1. About DisciFin

DisciFin is a technology-driven financial wellness platform developed and operated by Arthnaut Fintech LLP.

The App is designed to help users improve their financial discipline through budgeting, expense tracking, savings management, financial goal planning, spending analysis, reminders, financial insights, reports, and related financial wellness tools.

DisciFin enables users to:

  • Track income and expenses

  • Categorise expenses into Needs and Wants

  • Monitor savings and investments

  • Calculate Daily Money Pace

  • Set financial goals

  • Build short-term and long-term savings goals

  • Receive financial reminders

  • Generate financial reports and insights

  • Track financial achievements

  • Access selected financial products offered through authorised partners

DisciFin is a financial wellness platform.

Unless specifically stated otherwise, DisciFin is not a bank, Non-Banking Financial Company (NBFC), stock broker, mutual fund, insurance company, portfolio manager, investment adviser, tax adviser, or financial planner.

Any financial insights, calculations, reminders, reports, or recommendations generated by the App are intended solely to assist users in managing their personal finances and should not be treated as financial, legal, tax, or investment advice.

2. Scope of this Privacy Policy

This Privacy Policy applies to:

  • the DisciFin mobile application;

  • the DisciFin website;

  • customer support interactions;

  • marketing communications sent by us;

  • all services provided by Arthnaut Fintech LLP through the App.

This Privacy Policy does not apply to third-party websites, applications, products, or services that may be linked through the App.

Such third-party services operate under their own privacy policies, and we encourage users to review them before sharing any personal information.

   

3. Eligibility

The Services are intended for individuals capable of entering into legally binding contracts under applicable law.

By using the Services, you represent that:

  • the information provided by you is accurate and complete;

  • you have the legal authority to provide such information;

  • you will promptly update your information whenever it changes.

If any information provided by you is found to be inaccurate, misleading, or fraudulent, we reserve the right to suspend or terminate your access to the Services.

4. Definitions

For the purposes of this Privacy Policy:

Account means your registered DisciFin account.

App means the DisciFin mobile application.

Company, we, our, or us means Arthnaut Fintech LLP.

Device means any mobile phone, tablet, computer, or other electronic device used to access the Services.

Financial Information means any financial information voluntarily entered by you into the App, including but not limited to income, expenses, savings, investments, financial goals, bills, transactions, and budget allocations.

Personal Information means any information capable of identifying you directly or indirectly.

Processing includes collecting, storing, using, analysing, sharing, deleting, updating, transmitting, or otherwise handling information.

Services means the DisciFin App, website, and associated services.

User, you, or your means any individual accessing or using the Services.

5. Information We Collect

The information we collect depends upon how you use the Services.

We collect information that:

  • you voluntarily provide;

  • is generated through your use of the App;

  • is collected automatically from your device;

  • is collected when required to provide specific services requested by you.

We collect only such information as is reasonably necessary for providing and improving the Services.

6. Information You Voluntarily Provide

You may voluntarily provide the following categories of information.

A. Account Information

When you register using your mobile number and One-Time Password (OTP), we collect:

  • Mobile Number

  • Name

  • Email Address

These details are required to create and maintain your DisciFin account.

B. Optional Profile Information

You may choose to provide:

  • Date of Birth

  • Gender

  • City

  • PIN Code

  • Nature of Business

  • Annual Income

  • Family Size

  • Names of Family Members

Providing this information is voluntary.

Certain personalised insights, reports, and financial recommendations may become more accurate when such information is provided.

C. Financial Information

DisciFin is designed around information entered by users.

You may voluntarily enter information including:

  • Monthly Income

  • Additional Income

  • Salary Date

  • Expenses

  • Bills

  • Savings

  • Investments

  • Financial Goals

  • Short-term Goals

  • Long-term Goals

  • Budget Allocation

  • Needs and Wants categorisation

  • Daily expenses

  • Recurring expenses

  • Transactions

  • Notes relating to transactions

  • Insurance information

  • Loan and EMI information

  • Any other financial information entered by you.

All financial information entered into the App remains under your control.

DisciFin does not claim ownership over your financial information.

D. Customer Support Information

When you contact us, we may collect:

  • Name

  • Contact details

  • Communication records

  • Feedback

  • Queries

  • Screenshots voluntarily shared by you

  • Any other information required to resolve your issue

7. Information Automatically Collected

When you use the Services, certain technical information may be collected automatically.

This may include:

  • Device Model

  • Device Manufacturer

  • Operating System

  • Device Language

  • Device Time Zone

  • IP Address

  • App Version

  • Unique Device Identifiers

  • Diagnostic Information

  • Crash Reports

  • Performance Logs

  • Session Duration

  • Feature Usage

  • Navigation Patterns

  • App Interaction Data

This information helps us:

  • improve application performance;

  • understand feature usage;

  • diagnose technical issues;

  • enhance security;

  • improve user experience.

We do not use this information to identify you personally unless necessary for security, fraud prevention, or customer support.

8. Permissions Requested by the App

Depending upon the features you use, DisciFin may request certain device permissions.

A. Notification Permission

To send reminders and updates, including:

  • Bill reminders

  • Goal reminders

  • Daily Money Pace reminders

  • Savings reminders

  • Achievement notifications

  • Monthly reports

  • Weekly reports

  • Security alerts

  • Product updates

You may disable notifications at any time through your device settings.

B. Location Permission

The App may request access to your device's location to enable features that require location-based functionality or to improve certain services.

Location information will only be collected with your permission and can be disabled through your device settings.

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9. How We Use Your Information

We process your information only for legitimate business purposes and to provide, maintain, improve, and secure the Services. Depending on the features you use, your information may be used for one or more of the following purposes:

Account Management

  • Creating and managing your DisciFin account.

  • Authenticating your identity through OTP verification.

  • Maintaining your user profile and preferences.

  • Providing customer support.

Financial Management

  • Recording and organising your income, expenses, savings, investments, bills, and financial goals.

  • Calculating Daily Money Pace and other budgeting metrics.

  • Monitoring financial progress over time.

  • Generating spending trends and financial summaries.

  • Tracking Needs, Wants, Savings, and other budget allocations.

Personalised Insights

  • Providing financial reports.

  • Offering budgeting recommendations.

  • Suggesting spending improvements.

  • Highlighting savings opportunities.

  • Monitoring financial discipline.

  • Tracking achievement milestones.

  • Awarding Financial Belt Certifications.

Communication

  • Sending reminders.

  • Delivering bill alerts.

  • Providing savings reminders.

  • Sending financial reports.

  • Sharing important product announcements.

  • Responding to customer support requests.

Platform Improvement

  • Analysing feature usage.

  • Improving application performance.

  • Resolving technical issues.

  • Preventing fraud.

  • Enhancing security.

  • Developing new features and services.

We use your information only for purposes consistent with this Privacy Policy and applicable law.

10. Financial Information and User-Entered Data

DisciFin is primarily a user-driven financial wellness application.

Most financial calculations performed by the App are based solely on the information voluntarily entered by you.

Such information may include:

  • Income

  • Additional Income

  • Expenses

  • Bills

  • Savings

  • Investments

  • Financial Goals

  • Daily Transactions

  • Budget Allocation

  • Needs and Wants

  • Insurance Details

  • Loan Information

  • Other financial information entered by you.

Unless you expressly authorise future integrations, DisciFin does not automatically retrieve financial information from your bank accounts, credit cards, UPI accounts, mutual funds, investment accounts, or other financial institutions.

You remain solely responsible for ensuring that the information entered into the App is accurate, complete, and up to date.

The quality, accuracy, and usefulness of financial insights generated by the App depend upon the accuracy of the information provided by you.

11. Daily Money Pace, Reports and Financial Insights

One of the core features of DisciFin is to help users build long-term financial discipline.

To achieve this, the App generates personalised financial calculations and reports based on the information provided by you.

These may include:

  • Daily Money Pace

  • Monthly Spending Reports

  • Weekly Spending Reports

  • Budget Utilisation

  • Spending Distribution

  • Savings Progress

  • Goal Progress

  • Needs vs Wants Analysis

  • Financial Discipline Score

  • Achievement Milestones

  • Belt Certifications

  • Goal Tracking

  • Spending Trends

  • Savings Trends

These reports are intended solely to help users better understand and manage their finances.

They should not be interpreted as financial, tax, legal, investment, or insurance advice.

12. Automated Insights and Artificial Intelligence

DisciFin may use algorithms, automated systems, machine learning models, or artificial intelligence technologies to generate financial insights, reports, predictions, recommendations, and personalised suggestions.

Such insights are generated using the information available within your account and are intended solely for informational and educational purposes.

These automated insights:

  • are not personalised financial advice;

  • do not replace professional financial planning;

  • should not be treated as investment recommendations;

  • should not be interpreted as legal or tax advice.

Where artificial intelligence features are introduced in the future, this Privacy Policy shall continue to apply unless otherwise stated.

13. Insurance Services

DisciFin may provide users with access to insurance products offered by authorised insurance partners.

When you choose to explore or purchase an insurance product through DisciFin, we may request your consent to share limited personal information with the relevant partner.

Such information may include:

  • Name

  • Mobile Number

  • Email Address

  • City

  • Age

  • Other information required for processing your request.

Information will be shared only after you voluntarily initiate the request and provide the required consent.

DisciFin does not automatically share your information with insurance partners.

Once you interact with the insurance partner, your relationship with that partner will also be governed by its own privacy policy and terms of service.

14. Investment Products and Financial Marketplace

DisciFin may provide access to investment products and financial services offered by authorised partners.

These may include:

  • Mutual Funds

  • Bonds

  • Fixed Deposits

  • Government Securities

  • Investment Platforms

  • Other financial products introduced from time to time.

Certain services may simply redirect you to a partner platform.

Future services may enable investment transactions directly through APIs integrated into the DisciFin ecosystem.

Where your personal information is required to facilitate such services, it shall be shared only after obtaining your explicit consent.

15. Future Account Aggregator Integration

DisciFin currently relies primarily on financial information entered manually by users.

In the future, the App may support integration with India's Account Aggregator ecosystem or other regulated financial data-sharing frameworks.

If such functionality becomes available:

  • no financial information will be accessed without your explicit consent;

  • you will retain complete control over the accounts you choose to connect;

  • you may revoke consent at any time, subject to applicable regulations;

  • all data access will comply with applicable laws and regulatory requirements.

The introduction of such features will not alter your rights under this Privacy Policy.

16. Notifications and Communications

DisciFin may send notifications relating to:

  • Daily Money Pace

  • Bills

  • Savings

  • Financial Goals

  • Belt Certifications

  • Monthly Reports

  • Weekly Reports

  • Product Updates

  • Security Alerts

  • Account Activity

  • Customer Support

You may control notification preferences through your device settings or within the App, where available.

Certain essential communications relating to account security or legal compliance may continue to be sent even if promotional notifications are disabled.

17. Analytics and Diagnostics

To improve the quality, stability, and performance of the Services, DisciFin may collect analytical and diagnostic information.

This information may include:

  • App usage statistics

  • Feature usage

  • Device information

  • Session duration

  • Navigation behaviour

  • Crash reports

  • Error logs

  • Performance metrics

  • Diagnostic information

Analytics information may be processed using internal systems or trusted third-party service providers.

Such information is used solely for improving the Services, maintaining security, resolving technical issues, and enhancing the user experience.

We do not sell analytics data to third parties.

18. Social Sharing

DisciFin allows users to voluntarily share selected achievements, certificates, reports, and milestones through supported social media or communication platforms.

Any information shared through such platforms is shared solely at your direction.

DisciFin does not automatically publish content to your social media accounts.

Once information is shared outside the App, it becomes subject to the privacy practices of the respective third-party platform.

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19. How We Share Your Information

We value your privacy and do not sell, rent, or trade your personal information to third parties for their marketing purposes.

We may share your information only under the circumstances described below:

A. Service Providers

We may engage trusted third-party service providers to assist us in operating, maintaining, and improving the Services. These providers may process information on our behalf for purposes including:

  • Cloud hosting and storage

  • Data backup and recovery

  • Customer support

  • Analytics and diagnostics

  • Notification delivery

  • Security monitoring

  • Technical maintenance

Such service providers are contractually required to protect your information and may use it only for the services they provide to us.

B. Financial Product Partners

Where you voluntarily request information about or choose to apply for insurance, investment products, loans, or other financial services through DisciFin, we may share only the information necessary to facilitate your request with the relevant authorised partner.

We share such information only after obtaining your explicit consent.

C. Legal Compliance

We may disclose information where required to:

  • comply with applicable laws or regulations;

  • respond to lawful requests from government authorities;

  • comply with court orders or legal processes;

  • investigate fraud, security incidents, or illegal activities;

  • protect our legal rights, users, employees, or the public.

D. Business Transfers

If Arthnaut Fintech LLP undergoes a merger, acquisition, restructuring, sale of assets, or similar corporate transaction, your information may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.

20. Data Security

Protecting your information is fundamental to our business.

We implement reasonable administrative, technical, and organisational safeguards to protect your information from unauthorised access, disclosure, alteration, misuse, or destruction.

Our security measures may include:

  • Encryption of data during transmission.

  • Secure cloud infrastructure.

  • Authentication and access controls.

  • Role-based access management.

  • Continuous monitoring of systems.

  • Security logging and auditing.

  • Regular software updates.

  • Backup and disaster recovery procedures.

Despite our efforts, no method of electronic transmission or storage can guarantee absolute security. You acknowledge that the transmission of information over the internet carries inherent risks.

21. Data Retention

We retain your information only for as long as necessary to:

  • provide the Services;

  • maintain your account;

  • generate historical financial reports;

  • comply with legal obligations;

  • resolve disputes;

  • enforce our agreements;

  • prevent fraud and misuse.

The retention period may vary depending upon the nature of the information and applicable legal requirements.

When information is no longer required, it will be securely deleted, anonymised, or otherwise disposed of in accordance with applicable laws and our internal data retention practices.

22. Your Rights

Subject to applicable laws, you may have the following rights regarding your personal information:

  • Access the personal information we hold about you.

  • Correct or update inaccurate information.

  • Request deletion of your personal information.

  • Withdraw consent where processing is based on consent.

  • Request clarification regarding how your information is processed.

  • Lodge a grievance regarding the handling of your information.

We will respond to such requests within a reasonable period and in accordance with applicable legal requirements.

Certain requests may be declined where retention or processing is required by law or necessary to protect our legitimate interests or the rights of others.

23. Account Deletion

You may request deletion of:

  • your DisciFin account; or

  • all personal information associated with your account.

Following verification of your request:

  • your account may be permanently deleted;

  • your personal information may be deleted or anonymised;

  • backups may continue to exist for a limited period as part of routine disaster recovery processes;

  • certain information may be retained where required under applicable law.

Deletion of your account may result in the permanent loss of historical financial records, reports, achievements, and other information associated with your account.

24. International Data Transfers

The Services are presently offered primarily to users located in India.

As DisciFin expands internationally, your information may be processed or stored in jurisdictions outside your country of residence.

Where such transfers occur, we will implement appropriate safeguards to protect your information and comply with applicable data protection laws.

25. Children's Privacy

The Services are intended for individuals capable of entering into legally binding agreements under applicable law.

We do not knowingly collect personal information from children without appropriate legal authorisation where required.

If we become aware that personal information has been collected in violation of applicable law, we will take reasonable steps to delete such information.

Parents or legal guardians who believe that a child has provided personal information may contact us using the details provided in this Privacy Policy.

26. Third-Party Websites and Services

The Services may contain links to websites, applications, or services operated by third parties.

These third-party services are governed by their own privacy policies and terms of use.

We are not responsible for the privacy practices, content, security, or availability of such third-party services.

Users are encouraged to review the privacy policies of third-party providers before sharing any information.

27. Cookies and Similar Technologies

Our website and certain features of the Services may use cookies or similar technologies to:

  • improve functionality;

  • remember user preferences;

  • analyse website traffic;

  • enhance security;

  • improve user experience.

You may manage cookie preferences through your browser settings where applicable.

28. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect:

  • changes in applicable laws;

  • introduction of new products or services;

  • improvements to our platform;

  • operational or security enhancements.

The updated Privacy Policy will become effective upon publication unless otherwise stated.

Where required by applicable law, we will notify users of material changes through the App, website, email, or other appropriate means.

Continued use of the Services after the updated Privacy Policy becomes effective constitutes acceptance of the revised Privacy Policy.

29. Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India.

Subject to applicable law, the courts located in Mumbai, Maharashtra shall have exclusive jurisdiction over disputes arising out of or relating to this Privacy Policy or the Services.

30. Consent

By creating an account, accessing, or using the Services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

Where required by applicable law, we will obtain your explicit consent before:

  • collecting optional personal information;

  • sharing your information with insurance, investment, or other financial partners;

  • accessing your financial information through future Account Aggregator integrations;

  • enabling location-based features;

  • processing information for purposes that require additional consent under applicable law.

You may withdraw your consent at any time. Withdrawal of consent will not affect the lawfulness of processing carried out before such withdrawal but may affect our ability to provide certain features or services.

31. Accuracy of Information

DisciFin relies on information voluntarily entered by you.

You are responsible for ensuring that the information you provide is accurate, complete, and up to date.

Financial calculations, Daily Money Pace, savings projections, spending analysis, reports, reminders, and other insights generated by the App depend on the accuracy of the information entered by you.

Arthnaut Fintech LLP shall not be responsible for inaccurate calculations, reports, recommendations, or insights resulting from incomplete, inaccurate, or outdated information provided by users.

32. User Responsibilities

While using the Services, you agree to:

  • provide truthful and accurate information;

  • maintain the confidentiality of your account;

  • keep your registered mobile number updated;

  • promptly notify us of any unauthorised access to your account;

  • use the Services only for lawful purposes;

  • refrain from attempting to interfere with the operation or security of the Services;

  • comply with all applicable laws while using the App.

You are responsible for all activities carried out through your account unless you promptly report unauthorised use.

33. No Professional Financial Advice

DisciFin is a financial wellness and budgeting platform designed to help users organise and understand their personal finances.

The App does not provide:

  • investment advice;

  • portfolio management services;

  • stock recommendations;

  • insurance advice;

  • tax advice;

  • accounting advice;

  • legal advice;

  • financial planning services.

Any calculations, reports, reminders, insights, alerts, suggestions, or recommendations generated by the App are intended solely for informational and educational purposes.

Users should seek independent professional advice before making financial, investment, tax, insurance, or legal decisions.

34. Data Breach and Security Incidents

Although we maintain appropriate safeguards to protect your information, no technology can completely eliminate security risks.

If we become aware of a security incident involving your personal information that requires notification under applicable law, we will take reasonable steps to:

  • investigate the incident;

  • contain and mitigate its impact;

  • notify affected users where required;

  • comply with applicable legal and regulatory obligations.

35. Google Play and Apple App Store Compliance

DisciFin is committed to complying with the privacy and data protection requirements prescribed by the Google Play Store and Apple App Store.

The information disclosed in this Privacy Policy is intended to be consistent with our privacy disclosures, including but not limited to:

  • Google Play Data Safety declarations;

  • Apple App Privacy disclosures;

  • applicable developer policies;

  • applicable data protection laws.

If any future feature requires the collection or processing of additional categories of information, this Privacy Policy will be updated accordingly before such processing begins.

36. Future Services

As DisciFin evolves, we may introduce additional financial wellness services, educational content, tools, integrations, and technology-enabled features.

These may include:

  • Account Aggregator integration;

  • AI-assisted financial insights;

  • Mutual fund investments;

  • Bond investments;

  • Insurance services;

  • Goal-based investment products;

  • Premium subscriptions;

  • Financial coaching;

  • Family finance management;

  • International services.

Any additional collection or processing of personal information relating to such features will remain subject to this Privacy Policy and applicable laws.

37. Severability

If any provision of this Privacy Policy is determined to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

38. Entire Privacy Policy

This Privacy Policy constitutes the complete privacy understanding between you and Arthnaut Fintech LLP regarding the collection, processing, storage, sharing, and protection of your personal information in connection with the Services.

It supersedes any previous privacy statements relating to the Services.

39. Contact and Grievance Redressal

If you have any questions, concerns, complaints, or requests regarding this Privacy Policy, our privacy practices, or the processing of your personal information, you may contact us at:

Arthnaut Fintech LLP

Email: connect@discifin.co

Website: www.discifin.co

In accordance with applicable laws, including the Digital Personal Data Protection Act, 2023, where applicable, privacy-related grievances and requests may be addressed to our designated Grievance Officer through the contact details provided above.

We will endeavour to acknowledge and address such grievances and requests within the timelines prescribed under applicable law.