Privacy policy

INFORMATION WE COLLECT

We use Information to operate closed-loop credit, assess eligibility, complete bookings and prevent fraud. If you choose not to provide required Information, you may not be able to register, receive Credit, or complete bookings.

1. Identity information: name, date of birth, address, email, phone number, photograph, government identifiers we are permitted to collect for eligibility (such as PAN or Aadhaar where applicable), and details on forms you submit.
2. Eligibility and financial information: employment or income details you provide, bank or payment references needed for Copay, spending and booking history on Spent N, Credit limits, grants, expiry and ledger activity. We do not offer cash-out; we do not collect UPI handles for withdrawal.
3. Booking information: category, dates, travellers, Partner details, amounts, holds, captures, refunds and voucher data for hotels, food, bus, train, catering and services.
4. Device information: IP address, browser type, operating system, device identifiers and app version to secure your account, detect fraud and improve performance.
5. Usage of the App: pages viewed, searches, taps, session logs, crash reports and support interactions, including messages you send us.
6. Communications: SMS and email delivery status, call recordings where we notify you, and correspondence about eligibility, bookings or complaints.
7. Location: pin code or coarse location you enter, or device location if you enable it, to check serviceability and reduce fraud. You may limit access in device settings; some features may not work without it.
8. Camera and storage: if you upload KYC or booking documents, we access camera or files only for that upload flow.
9. Third-party information: verification results, payment confirmations from Copay processors, and Partner fulfilment signals needed to settle bookings.

PROCESS OF COLLECTION

We may collect or process Information when:

1. You register, apply for eligibility or update your profile.
2. You receive Credit, browse listings or confirm a booking.
3. You pay Copay or receive a refund to your ledger.
4. You contact support or respond to our messages.
5. We run fraud, risk or identity checks permitted by law.
6. You use the website, including through cookies described below.
7. Partners or payment providers send us status updates about a booking you made.

USE OF YOUR INFORMATION

We may use your Information to:

1. Provide access to the App and the Services.
2. Assess eligibility and issue or adjust Credit limits.
3. Hold, capture and refund Credit on bookings.
4. Process Copay and settle Partners after fulfilment.
5. Verify identity and prevent fraud or misuse.
6. Send booking confirmations, alerts and service messages.
7. Improve the App, fix errors and analyse usage trends.
8. Enforce our Terms and resolve disputes.
9. Send promotional offers where permitted; you may opt out of marketing at hello@spentn.com.
10. Comply with law, regulator requests or court orders.
11. Any other purpose disclosed when we collect it, with consent.

We do not sell your personal data.

SHARING OF YOUR INFORMATION

We may share Information:

1. With Partners to fulfil bookings you confirm (name, contact, travel or event details as needed).
2. With payment processors to collect Copay and handle chargebacks.
3. With hosting, analytics, messaging and verification vendors who process data on our instructions.
4. With regulators, law enforcement or courts when required by law or to protect rights, safety and integrity of the Services.
5. With advisers or acquirers in a merger, restructuring or asset sale, subject to confidentiality.
6. With your consent for any other disclosed purpose.

We share only what is necessary for the purpose. Partners and processors may have their own privacy practices once you leave the App or interact with them directly.

THIRD PARTY POLICIES

The App may link to Partner sites, payment pages or tools we do not control. This Privacy Policy does not apply there. Read their policies before sharing Information.

We use commercially reasonable efforts to ensure vendors who process Information for us follow confidentiality and security obligations. We are not responsible for acts or omissions of third parties outside our reasonable control once you are redirected away from the App.

OUR SECURITY PRACTICES

We implement reasonable security practices as required under Privacy Laws, including access controls, encryption in transit and at rest where appropriate, monitoring and staff training.

No method of transmission or storage is completely secure. Report suspected unauthorised access immediately at hello@spentn.com.

If we become aware of a breach that affects your Information, we will notify you and regulators as required by law.

PERIOD OF STORAGE

We retain Information for as long as needed to provide the Services, meet legal and regulatory obligations, resolve disputes, and enforce our agreements — including after your account closes or Credit expires.

When Information is no longer required and no law requires retention, we delete or anonymise it using reasonable means.

WITHDRAWAL OF CONSENT, DELETION AND RECTIFICATION

You may request access, correction or deletion of Information, or withdraw consent for processing that requires consent, by writing to hello@spentn.com.

We may need to verify your identity before acting. Withdrawal or deletion may limit eligibility, Credit or bookings. We may retain certain records where Privacy Laws or fraud prevention require it. Unused Credit is not paid out when an account closes.

INFORMATION OF CHILDREN

The App is for users who are at least 18 years old. We do not knowingly collect Information from children. If you believe a minor has provided Information, contact us and we will take appropriate steps to delete it.

MODIFICATIONS AND UPDATES

We may update this Privacy Policy from time to time by posting a new version on this page. Continued use after an update means you accept the revised policy. We encourage you to review it periodically.

Last updated: 18 August 2026.

COOKIES

Cookies are small text files stored on your device when you visit a website. They help us remember preferences, keep sessions secure, understand how the site is used, and improve performance.

When you use our website, we or our analytics providers may set cookies or similar technologies. You can disable cookies in your browser settings; some parts of the site may not work correctly if you do.

CONTACT US

For questions, access requests, complaints or grievances about how we handle your Information, contact:

Grievance officer
Spent N
Email: hello@spentn.com

We will acknowledge complaints and work to resolve them within a reasonable time under applicable law.