Privacy Policy

Effective Date: June 1, 2026

Legal Entity: Svikubh Innovations Private Limited

1. Who We Are

This Privacy Policy explains how Svikubh Innovations Private Limited collects, uses, stores, shares, and protects personal data when you use FinMoon AI through our website, application, or related services.

FinMoon AI is a privacy-first financial research and decision-support product built for Indian finance use cases.

2. Scope

This Privacy Policy applies to personal data collected through the FinMoon AI website, beta application, product demos, waitlists, sign-up flows, support communications, and related interactions.

3. Categories of Data We Collect

We may collect:

• Identity and account data, such as your name, email address, and sign-in information.
• Authentication data from third-party login providers where you choose to sign in that way.
• Usage data, such as device information, browser type, log data, session data, referral pages, interactions, and feature usage.
• Prompt and input data, such as the questions, financial context, or documents you choose to submit while using the Services.
• Communications data, such as messages sent to support or feedback submitted to us.
• Technical and analytics data collected through cookies, pixels, SDKs, or similar technologies, where applicable.

4. Sensitive Financial Context

FinMoon AI may process financial context that you choose to provide in order to generate research outputs, comparisons, or decision workspaces.

You should avoid submitting highly sensitive personal or financial information unless it is necessary for the relevant use case and you are comfortable sharing it for that purpose.

5. How We Use Personal Data

We may use personal data to:

• Provide, maintain, and improve the Services.
• Authenticate users and manage accounts.
• Generate answers, summaries, comparisons, checklists, calculations, and decision workspaces.
• Personalize outputs based on your context and questions.
• Monitor service quality, security, abuse prevention, debugging, and performance.
• Communicate with you about account activity, support, product changes, and service notices.
• Comply with legal obligations and enforce our Terms.

6. Purpose and Consent

By using the Services and voluntarily submitting personal data, you consent to the collection and use of your personal data for the purposes described in this Privacy Policy, unless another lawful basis under applicable law applies.

Where required, we may request separate or more specific consent for certain processing activities.

7. Research-Only Product Positioning

FinMoon AI is designed as a research and decision-support tool.

It does not recommend, endorse, or instruct users to select any specific financial product or service. The Services are intended to present facts, research, calculations, comparisons, and structured decision support only.

8. Personal Data Handling

Personal data submitted to FinMoon AI is processed within the FinMoon system for the limited purpose of providing the requested research and decision-support functionality.

Svikubh Innovations Private Limited does not sell, rent, trade, or otherwise share personal data with third parties for their independent marketing or commercial use.

9. Security and Secure Storage

We use reasonable technical, organizational, and administrative safeguards designed to protect personal data from unauthorized access, disclosure, loss, misuse, or alteration.

Where personal financial data is collected, it may be stored in highly secured environments, including encrypted storage, restricted-access vaults, and monitored systems designed to reduce the risk of leakage or unauthorized exposure.

No system can be guaranteed fully secure, but we seek to use strong safeguards appropriate to the nature of the data.

10. Cookies and Similar Technologies

We may use cookies and similar technologies to keep you signed in, remember preferences, understand traffic, measure performance, and improve user experience. Where required by law or best practice, we will provide choices regarding non-essential cookies.

11. Data Sharing

We may share personal data only on a need-to-know basis with:

• Service providers that support hosting, analytics, authentication, communications, customer support, security, and infrastructure.
• Professional advisors, auditors, legal counsel, or potential investors in controlled business contexts.
• Government authorities, regulators, law enforcement, or courts where required by law.
• A buyer, investor, or successor entity in connection with a merger, acquisition, restructuring, financing, or sale of assets, subject to appropriate safeguards.

12. Third-Party Services

The Services may depend on third-party tools such as authentication, hosting, analytics, embedded media, and linked websites.

We are not responsible for the privacy practices of third-party websites or services that you access independently, and you should review their policies separately.

13. Data Retention

We retain personal data only for as long as necessary for the purposes described in this Privacy Policy, for legitimate business needs, for account continuity, for security and fraud prevention, and to comply with applicable legal obligations.

Retention periods may vary depending on the type of data, the nature of the service, and applicable law.

14. Data Subject Rights

Subject to applicable law, you may have rights to request access to personal data, correction or updating of inaccurate data, erasure of personal data, withdrawal of consent, and grievance redressal regarding how your data is processed.

We may need to verify your identity before acting on a request.

15. How to Exercise Your Rights

You may submit privacy or data requests by contacting us at [Insert Privacy Email / Support Email].

We will review and respond in accordance with applicable law.

16. Children’s Privacy

The Services are not intended for children under the age at which they can independently consent under applicable law. If we become aware that we have collected personal data from a child in violation of applicable law, we will take appropriate steps to delete or restrict that data.

17. Cross-Border Processing

Your personal data may be processed in India or in other jurisdictions where our service providers operate, subject to applicable law, contractual protections, and business necessity.

Where transfers occur, we will take reasonable steps to ensure appropriate protection of personal data.

18. Data Breach Response

If we become aware of a personal data breach affecting your personal data, we will act in accordance with applicable law, including notification obligations where required.

19. Policy Updates

We may update this Privacy Policy from time to time to reflect changes in the Services, law, technology, or our data practices. When we do, we will post the revised version on the website and update the Effective Date.

20. Contact and Grievance

For privacy questions, requests, or grievances, please contact:

Svikubh Innovations Private Limited
[Insert Registered Office Address]
[Insert Privacy / Support Email]
Grievance Officer: [Insert Name]
Grievance Contact: [Insert Email / Postal Address]