1. Who We Are & Our Core Philosophy
This Privacy Policy applies to the website and advisory services operated by PM Finance Services Pvt Ltd (referred to as "Pay2Money", "we", "us", or "our"), with our registered office in New Delhi, India.
Pay2Money is an independent, early-stage loan discovery, referral, and advisory platform. We act as a helpful digital bridge connecting individuals and small business owners in India with accredited scheduled commercial banks and RBI-registered Non-Banking Financial Companies (NBFCs).
Because we are an early-stage service, we believe in keeping our privacy policy truthful, transparent, and easy to understand. We do not hide behind complex corporate jargon or claim to operate systems that we do not have.
2. Information We Actually Collect
We only collect information that you knowingly and voluntarily provide to us when you use our website, fill out an inquiry form, or contact our team:
Contact & Inquiry Details
Your full name, mobile phone number, email address, and your message or note explaining your financial requirement (submitted via our Contact Us form, phone call, or WhatsApp).
Loan Requirement Information
The product category you are interested in (such as Personal Loan, Business Loan, Home Loan, Gold Loan, or LAP), approximate amount requested, and employment type (salaried or self-employed).
Standard Technical Logs
Basic browser technical information such as your IP address, browser type, and page access timestamps to ensure site security, spam prevention, and fast page loading.
3. What We Never Collect
Unlike large mobile-app lenders, Pay2Money does not run invasive mobile applications that request intrusive device permissions. We want to be completely clear about what we never access:
- No Contact Lists: We never access your phone book or contact lists.
- No Photos or Media: We never access your device photo galleries or media files.
- No SMS or Transactional Messages: We do not read or scrape your private SMS inbox.
- No Device Sensors: We do not track your real-time GPS location, camera, or microphone.
- No Biometric Storage: We do not capture or store fingerprints or facial scans.
4. How We Use Your Inquiry Details
We use the information you provide solely for clear, practical purposes related to your inquiry:
- Responding to Inquiries: To review your requirement and have our loan advisory team reach out by phone, email, or WhatsApp to assist you.
- Eligibility Guidance: To help you understand basic documentation needs (such as salary slips, ITR, or bank statements) required by lending institutions.
- Connecting With Partner Lenders: To match your profile with appropriate partner banks or RBI-registered NBFCs offering loans matching your criteria.
- Customer Support: To answer your questions, resolve any concerns, and guide you through the initial inquiry phase.
5. How We Share With Partner Lenders
When you ask us to assist you with a loan, we share your inquiry details with our verified partner banks and RBI-registered NBFCs who provide that specific loan product.
Strict Anti-Spam Commitment
We strictly do NOT sell, rent, or trade your personal details to third-party telemarketing call centers, mass data brokers, or unrelated marketing agencies. Your contact details are shared exclusively with genuine financial partners for the sole purpose of evaluating your loan request.
6. Zero Borrower Fees & Safety Advisory
Pay2Money is 100% free for loan applicants. We do not charge borrowers any consultation fees, registration fees, or service charges.
Fraud Warning for Borrowers:
Pay2Money never asks you to transfer money into personal UPI IDs, personal bank accounts, or pay cash upfront for loan approvals. Any official processing fees, if applicable, are deducted directly by the lending bank or NBFC as part of their formal loan sanction agreement.
7. Data Security & Domestic Storage
We treat your inquiry information with seriousness and maintain industry-standard security safeguards:
- SSL / HTTPS Encryption: All data transmitted between your browser and our website is protected using industry-standard SSL encryption.
- Domestic Server Storage: Your information is stored strictly on secure cloud servers situated within India.
- Restricted Access: Only authorized members of our loan coordination team who need your information to assist your application can access it.
8. Review, Update & Deletion Rights
You have full control over the contact details you submit to us. At any time, you can:
- Request a copy of the inquiry information you submitted to us.
- Ask us to update or correct any inaccuracies in your contact details.
- Request permanent deletion of your inquiry details from our active database.
- Withdraw your consent to receive further advisory calls or WhatsApp updates.
To exercise any of these rights, simply email us at info@pay2money.com with the subject "Data Deletion / Update Request".
9. Partner Websites & External Links
Our website contains links that may redirect you to the official websites or application portals of partner banks, NBFCs, or credit bureaus. Once you leave our domain and visit an external partner website, their terms and conditions and privacy policy govern your interaction with them. We encourage you to review their policies directly.
10. Direct Contact & Grievance Support
If you have any questions, concerns, or complaints regarding how your information is handled, you can reach out directly to our leadership team:
Contact Person
Deepak Kumar
Organization
PM Finance Services Pvt Ltd
Brand
Pay2Money
Response Time
Within 24 to 48 Hours
Email: info@pay2money.com
Phone: +91 7239037839
Office: Shop No. 3049, First Floor, Block E-II, Faridabad Bypass Road, Molar Band Extension, Opp. Adani CNG Pump, Near Khatu Shyam Bus Travel, New Delhi - 110044