1. Introduction
OnePaisa (“we”, “us”, “our”) operates the website www.onepaisa.in (“Platform”). This Privacy Policy explains how we collect, use, and protect your personal information when you use our Platform.
By using OnePaisa, you consent to the collection and use of your information as described in this Policy. If you do not agree, please do not use the Platform.
2. Information We Collect
2a. Information you provide
- Email address (if you subscribe to our newsletter)
- Name (if you contact us)
- Financial preferences (if you use our Card Finder, Loan Finder, or Insurance Finder tools). We do not store your income, credit score, or financial data permanently. Finder tool inputs are processed in your browser and are not stored on our servers.
2b. Information collected automatically
- IP address and approximate location (country / city level)
- Browser type, operating system, device type
- Pages visited, time spent, links clicked
- Referring website
We use Google Analytics with IP anonymisation enabled.
2c. Cookies
- Essential cookies: required for the website to function (e.g. theme preference, cookie-consent choice).
- Analytics cookies: Google Analytics (you can opt out via our cookie banner).
- Preference cookies: remember your filter settings on listing pages.
We do not use advertising cookies or sell data to advertisers. See our Cookie Policy for the full inventory.
3. How We Use Your Information
We use your information to:
- Provide and improve our comparison tools and calculators
- Send our newsletter (only if you subscribed — unsubscribe any time)
- Respond to your support or correction requests
- Monitor and improve website performance
- Detect and prevent fraud or abuse
We do NOT:
- Sell your personal data to any third party
- Share your data with banks or insurers without your explicit action (clicking “Apply” takes you to the bank's own website)
- Use your data for behavioural advertising
- Call you or share your number with anyone
4. Affiliate Links & Commissions
When you click an “Apply Now” button, you are redirected to the bank's or insurer's official website. OnePaisa may receive a commission if you successfully apply. This does not affect the price you pay or the terms offered to you.
We disclose all affiliate relationships in accordance with ASCI guidelines for financial comparison platforms. Read our full affiliate disclosure.
5. Data Retention
- Newsletter subscriber data: until you unsubscribe
- Contact form submissions: 12 months
- Server logs: 90 days
- Analytics data: 26 months (Google Analytics default)
- Affiliate click logs: 24 months for commission reconciliation
6. Your Rights (under DPDP Act 2023)
Under India's Digital Personal Data Protection Act 2023, you have the right to:
- Access your personal data we hold
- Correct inaccurate data
- Erase your data (“right to be forgotten”)
- Withdraw consent at any time
- Nominate someone to exercise rights on your behalf
To exercise any of these rights, email support@onepaisa.in. We will respond within 30 days, as required by the Act.
7. Third-Party Services
We use these third-party services which have their own privacy policies:
- Google Analytics — website analytics with IP anonymisation
- Resend — email delivery for newsletters
- Supabase — database infrastructure (Singapore region, ISO 27001 certified)
- Vercel — website hosting (global CDN)
- Cloudflare — DDoS protection and CDN
8. Children's Privacy
OnePaisa is not intended for users under 18 years of age. We do not knowingly collect personal data from minors.
9. Changes to This Policy
We may update this policy periodically. Material changes will be notified via a banner on the website. The “Last updated” date at the top reflects the most recent revision.
10. Contact
For privacy-related queries: support@onepaisa.in
Website: www.onepaisa.in