Privacy Policy

Operated by: ADC Service Hub Private Limited
Contact: Info@adcmoney.com | +91 9179190320

ADC Money ("we", "us", "our") provides a mobile application for money transfer, bill payment, recharge, QR/POS fund requests, commission and settlement reports for Retailers, Distributors and Master Distributors. This policy explains what information we collect, why, and your choices. By using the app you agree to this policy.

1. Information We Collect

a) Account and registration information

Provided by you:

• Name, mobile number, email address, business/shop name, address
• KYC details required by law, such as PAN, Aadhaar and other identity/business documents, including photos or images you upload
• Login credentials (user ID / password / MPIN) and one-time passwords (OTP)

b) Financial and transaction information

• Beneficiary details (name, bank account number, IFSC, mobile number)
• Transaction details: amount, date/time, status, reference numbers, bill and biller details, credit card payment details, commission and settlement records
• Fund request details, including payment proof/screenshots you upload

c) Location information

• Approximate and precise device location (Android ACCESS_COARSE_LOCATION and ACCESS_FINE_LOCATION), collected when you log in, for fraud prevention, security and regulatory compliance. We do not track your location in the background.

d) Photos and files

• Images you choose from your gallery (KYC documents, payment proof, QR images). We access only the files you select; the app does not request broad storage permissions.

e) Device and technical information

• IP address, device type, OS version, app version and network information, used for security, diagnostics and fraud detection.

f) Data stored on your device

• Session and preference data (for example login session and user profile) stored locally on your device. This is removed when you log out or uninstall the app.

2. Permissions the App Uses

You can disable location in your device settings; however, some features such as login may not work.

3. How We Use Your Information

• To create and verify your account and complete KYC
• To process money transfers, bill payments, recharges and settlements
• To show transaction history, reports and commissions
• To prevent fraud, money laundering and unauthorised access
• To provide customer support and send service/OTP messages
• To comply with legal and regulatory requirements (including RBI, PMLA and other applicable Indian laws)
• To improve app performance and reliability

We do not sell your personal information.

4. Sharing of Information

We share information only with:

• Banks, payment partners, BBPS/biller operators and service providers needed to complete your transactions
• KYC and verification providers, where required
• Our distributors/master distributors, to the extent needed for your account hierarchy, commissions and reports
• Government, regulators or law-enforcement authorities, when required by law or to protect rights and safety
• Service providers that host or support our systems, under confidentiality obligations

5. Data Security

Data is transmitted to our servers over encrypted HTTPS connections (api.adcmoney.in). We apply access controls and other reasonable safeguards. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security. Please keep your password, MPIN and OTP confidential and never share them.

6. Data Retention

We retain personal and transaction data for as long as your account is active and for the period required by applicable law (for example financial record-keeping and KYC rules), after which it is deleted or anonymised.

7. Your Rights and Choices

Subject to applicable law, you may request to access, correct or update your information, withdraw consent for optional processing, or request deletion of your account and data (some data must be retained for legal compliance). To make a request, contact us at info@adcmoney.com. You can update some details in the Profile section of the app.

Account deletion: email info@adcmoney.com from your registered email/mobile, or visit [account deletion URL].

8. Third-Party Services

The app may open third-party services such as WhatsApp (for support contact) and the services of our payment partners. These have their own privacy policies and we are not responsible for their practices.

9. Children's Privacy

The app is intended for users aged 18 and above. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this policy from time to time. The updated version will be posted in the app and/or on our website with a new effective date. Continued use means you accept the changes.

11. Grievance Officer / Contact Us

In accordance with the Information Technology Act, 2000 and related rules:

Email: info@adcmoney.com
Phone: +91 9179190320
Address: 308 CLIFFTON CORPORATE AB ROAD NEAR SALIMAR TOWNSHIP VIJAYNAGAR INDORE 452010
Website: www.adcmoney.in