Privacy Policy

Last updated: April 17, 2026

1. Introduction

Skate Lab Private Limited ("Y1 Money", "we", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your personal information when you use the Y1 Money application and website.

2. Information We Collect

Personal Information

  • Full name, date of birth, gender
  • PAN card number, Aadhaar number
  • Mobile number and email address
  • Bank account details (account number, IFSC)
  • Address and other KYC documents

Usage Information

  • Device information (model, OS version)
  • App usage patterns and feature interactions
  • IP address and approximate location
  • Transaction history within the App

3. How We Use Your Information

  • To facilitate KYC verification with partner banks
  • To process investment transactions (FDs, RDs, Gold & Silver)
  • To display your portfolio and investment performance
  • To send transaction confirmations and updates
  • To improve our App and user experience
  • To comply with legal and regulatory requirements

4. Information Sharing

We share your information only with:

  • Partner Banks — Suryoday SF Bank, Bajaj Finance, Shriram Finance, Mahindra Finance, Unity SF Bank — for processing your investments and KYC
  • Augmont Gold — for processing gold and silver investments
  • Fixerra — our technology partner for FD/RD booking
  • Regulatory Authorities — when required by law

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures including encryption in transit (TLS/SSL), secure server infrastructure, and access controls to protect your data. Your KYC documents and financial information are stored securely and accessed only when necessary.

6. Data Retention

We retain your personal information for as long as your account is active and as required by applicable laws and regulations. You may request deletion of your account and associated data by contacting our support team.

7. Your Rights

You have the right to:

  • Access your personal information held by us
  • Request correction of inaccurate information
  • Request deletion of your data (subject to regulatory requirements)
  • Withdraw consent for optional data processing

8. Cookies & Analytics

Our website may use cookies and analytics tools to understand visitor behavior and improve our services. You can manage cookie preferences through your browser settings.

9. Third-Party Links

The App and website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via the App or email. Continued use of Y1 Money constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related queries or requests, contact us at:

Skate Lab Private Limited
Email: support@y1card.com
CIN: U74999BR2016PTC032790