Disclaimer: This Privacy Policy is provided for informational purposes only and does not constitute legal advice. For questions about your specific situation, please consult a qualified legal professional.
Introduction
This Privacy Policy explains how mvreferral.in collects, uses, and protects your information when you visit our website. We are an independent informational website that provides reviews, guides, referral codes, and an EMI calculator for Money View financial products.
We are not affiliated with, endorsed by, or officially connected to Money View or its parent company, Whizdm Finance Limited. Money View is a registered trademark of Whizdm Finance Limited, and all references to Money View on this site are for informational and editorial purposes only.
By visiting or using mvreferral.in, you agree to the practices described in this policy. If you do not agree, please discontinue use of the site. This policy applies to all visitors and users of mvreferral.in (referred to as "we," "us," or "our").
Information We Collect
We collect only the minimum information necessary to operate our website and respond to your inquiries. Here is a complete breakdown of what we collect and how:
Automatically Collected Data
When you visit mvreferral.in, certain information is collected automatically through our hosting infrastructure and analytics tools:
- IP address: Used to determine approximate geographic location (city-level) and to identify spam or bot traffic
- Browser type and version: Helps us optimise our content layout for different browsers
- Device information: Operating system, screen resolution, and whether you are on mobile or desktop
- Pages visited: Which articles, tools (such as the EMI calculator), and referral links you interact with
- Time spent on pages: Helps us understand which content is most useful to our readers
- Referral link clicks: Whether you clicked a Money View referral link on our site
- Traffic source: How you arrived at mvreferral.in (search engine, direct visit, social media, etc.)
This data is collected via Google Analytics and is stored in aggregate, anonymised form. It cannot be used to personally identify you.
Information You Provide Voluntarily
If you choose to contact us through the contact form on our Contact page, we collect:
- Name: So we can address you properly in our reply
- Email address: So we can respond to your message
We only retain this information for as long as needed to address your inquiry. We do not add contact form submissions to any mailing list without your explicit consent.
What We Do NOT Collect
To be completely clear, mvreferral.in does not collect any of the following:
- Aadhaar numbers or any government-issued identity numbers
- PAN (Permanent Account Number) details
- Bank account numbers, IFSC codes, or UPI IDs
- Credit or debit card information
- Loan application data, credit scores, or repayment histories
- Salary or income information
We are not a lending institution, bank, or NBFC. We do not process, approve, or manage any financial transactions. All financial data you provide is shared directly with Money View (Whizdm Finance Limited) through their own application and servers — never through ours.
How We Use Your Information
We use the information we collect strictly for the following purposes:
- Improving our content: By analysing which articles, EMI calculator tools, and guides are most visited, we can create more useful content for our readers
- Enhancing user experience: Understanding device types and screen sizes helps us optimise the layout and readability of mvreferral.in
- Responding to inquiries: When you email us via the contact form, we use your name and email solely to reply to your message
- Analysing traffic patterns: Aggregate analytics help us understand our audience and measure the reach of our referral content
- Detecting and preventing fraud: IP address and log data help us identify and block bots, spam, and other malicious activity on our site
We do not sell, rent, lease, or trade your personal information to any third party for marketing or advertising purposes. Your data is never shared with data brokers.
Cookies and Tracking
mvreferral.in uses cookies to enhance your browsing experience. Cookies are small text files placed on your device by your web browser when you visit a website.
Essential Cookies
These cookies are required for the basic functionality of our site, including:
- Mobile menu toggle and navigation state
- Sticky CTA bar display preferences
- Session persistence so pages load correctly
Disabling essential cookies may cause parts of mvreferral.in to stop functioning properly.
Analytics Cookies (Google Analytics)
We use Google Analytics to collect anonymised data about how visitors interact with our site. Google Analytics uses cookies such as _ga and _gid to distinguish unique users and track page views. This data helps us understand which of our Money View guides, reviews, and the EMI calculator are most popular.
Google Analytics does not tell us your name, email, or any personal identifying information. The data is processed in aggregate. You can learn more about how Google Analytics handles data at Google's Privacy Policy.
Third-Party Cookies
Some third-party services or advertisements displayed on mvreferral.in may set their own cookies independently. These cookies are outside our control and are governed by the respective third party's privacy policy. We do not have access to or control over these cookies.
Managing Cookies
You have full control over cookies. You can:
- Block all cookies through your browser settings
- Delete existing cookies stored on your device
- Set your browser to notify you before a cookie is placed
- Use browser extensions like uBlock Origin or Privacy Badger to limit tracking
Note that blocking essential cookies may impair the functionality of mvreferral.in. For detailed instructions on managing cookies in your browser, visit aboutcookies.org.
Referral Tracking
mvreferral.in contains referral links to the Money View loan application. When you click a referral link on our site (for example, using referral code MVEQHRBQ), you are redirected to Money View's own website or app download page.
Once you leave mvreferral.in, Money View (Whizdm Finance Limited) may set their own cookies to track the referral. This tracking is entirely controlled by Money View and is governed by their privacy policy, not ours.
Through their referral reporting dashboard, we may receive anonymised, aggregated data such as:
- Whether a referral resulted in a completed loan application (conversion status)
- The general loan amount range approved
- Approximate date of application
We do not receive your name, email, phone number, Aadhaar number, PAN, bank details, or any other personally identifiable information through referral tracking. Money View does not share your personal or financial data with us.
Third-Party Services
We use the following third-party services in the operation of mvreferral.in:
- Google Analytics: For anonymous traffic analysis and visitor behaviour insights
- Our hosting provider: For secure website hosting and server infrastructure
- Contact form service: Our contact form may use third-party form handling to deliver messages to us
Each of these third-party providers has their own privacy policy governing how they handle data. We encourage you to review those policies.
Our website also contains links to external sites, including Money View's official website, the Google Play Store, and the Apple App Store. We are not responsible for the privacy practices, content, or security of any external site you visit after leaving mvreferral.in. We encourage you to read the privacy policy of every website you visit.
Data Security
We take the protection of your data seriously and implement the following security measures:
- HTTPS encryption: All traffic between your browser and mvreferral.in is encrypted using SSL/TLS
- Secure hosting: Our site is hosted on infrastructure with industry-standard security protections
- Limited access: Any personal data collected (such as contact form submissions) is accessible only to authorised personnel involved in operating this site
- No financial data storage: We do not store any financial, banking, or government ID information on our servers
- Regular updates: We keep our website software and dependencies updated to patch known vulnerabilities
While we implement these reasonable safeguards, please understand that no method of internet transmission or electronic storage is 100% secure. We cannot guarantee the absolute security of your data, but we are committed to promptly addressing any security concerns that arise.
Your Rights
You have the following rights regarding your personal data that we hold:
- Access: You can request a copy of all personal data we hold about you, such as contact form submissions
- Correction: You can request that we correct any inaccurate or outdated information
- Deletion: You can request that we delete your personal data from our records, subject to any legal obligations we may have
- Opt-out of tracking: You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on or by disabling cookies in your browser
To exercise any of these rights, email us at contact@mvreferral.in with a clear description of your request. We will respond within 30 days of receiving your request.
Children's Privacy
mvreferral.in is not directed at individuals under the age of 18. Financial products like personal loans from Money View are intended for adults, and our informational content reflects that audience.
We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal data — for example, through a contact form submission — we will take immediate steps to delete that information. If you are a parent or guardian and believe your child has shared information with us, please contact us at contact@mvreferral.in.
Compliance with Indian Data Protection Law
As an India-based website, mvreferral.in is committed to complying with India's Digital Personal Data Protection Act, 2023 (DPDP Act) and any rules or regulations issued thereunder, to the extent applicable to our operations.
Under the DPDP Act, we act as a "Data Fiduciary" for the limited personal data we collect (such as contact form submissions). We process this data only for legitimate purposes as described in this policy, and we implement reasonable security safeguards to protect it.
If the DPDP Act grants you additional rights — such as the right to grievance redressal or the right to nominate another individual to exercise your rights on your behalf — you may exercise those rights by contacting us at contact@mvreferral.in.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our website practices, new features we add, legal requirements under Indian law, or for other operational reasons.
When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your data. Your continued use of mvreferral.in after any changes to this policy constitutes your acceptance of the updated terms.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please get in touch:
- Email: contact@mvreferral.in
- Website: mvreferral.in/contact
We aim to respond to all privacy-related requests and inquiries within 30 days.