Neo Money
Company Policies

Code of Conduct

Acceptable use of NeoMoney’s website and app, and the standards we apply—aligned with our app policy documents (terms, loan templates, and regulatory expectations).

1. Purpose and scope

This Code of Conduct summarises how users should use NeoMoney’s digital properties and services, and how we operate in line with our App Policiesbundle (Terms & Conditions of App, Key Facts Statement and loan-agreement templates, invoices, and related disclosures maintained alongside the application). It does not replace your Terms & Conditions, Privacy Policy, or executed loan documents, which control if there is any conflict.

NeoMoney provides access to short-term personal credit in partnership with our RBI-registered NBFC partner (DHRUVA CAPITAL SERVICES LIMITED). Products are for legitimate personal, family, or household needs, subject to applicable law—not deposits, chit funds, or investment schemes.

2. Eligibility and truthful information

  • You must be a citizen of India and at least 18 years old.
  • Products are intended for salaried employees or self-employed individuals, as described in our onboarding and policy documents.
  • You will provide true, accurate, current, and complete information (including KYC, income, bank, and employment details). False or misleading information may result in suspension or termination of access.

3. Account security

  • You are responsible for maintaining confidentiality of your account credentials and for all activity under your account.
  • Notify us immediately if you believe your password is compromised or used without authorisation.
  • You must not impersonate any person or entity, including NeoMoney staff or representatives.

4. Acceptable use of the website and app

  • Do not use robots, spiders, scrapers, or manual processes to monitor or copy our pages or content without prior written permission from an authorised officer.
  • Do not engage in activity involving botnets, unauthorised access, or attempts to disrupt the platform.
  • Link to our homepage only in a fair and lawful way that does not damage our reputation or imply endorsement without written consent. Do not frame, deep-link, or inline-link the site in ways that breach our content standards.
  • Use of the platform in any jurisdiction where it would violate local law is prohibited. Actual or attempted misuse may be subject to civil or criminal process; we may monitor and record activity as permitted by law.

5. Content you post or submit

Where the platform allows reviews, comments, feedback, or uploads, you agree that content will not be illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious or objectionable; and will not contain malware, political campaigning, commercial solicitation, chain letters, mass mailings, or spam. You will not use false contact details or mislead others as to the origin of content. You represent that you have rights to any content you supply and will indemnify us for claims arising from content you provide, as set out in our Terms.

6. Communications, consent, and third-party services

  • By applying for services, you understand we may contact you by call, SMS, email, or mail regarding your application and account, consistent with our Terms and applicable regulations.
  • Where you use account-aggregation or similar services, you must provide accurate information about yourself and linked accounts, keep it updated, and not misrepresent identity or account data.
  • Third-party SDKs or partners involved in credit assessment (for example, analysis of permitted financial SMS or device signals) are engaged only as disclosed in our Privacy Policy and app permissions, with appropriate security and access controls.

7. Privacy, permissions, and data security

Collection and use of personal data follow our Privacy Policy and the permission prompts in the app (including, where applicable, location, device, storage, camera, SMS limited to permitted financial messages, and similar). We implement appropriate technical and organisational measures—including access control and encryption where appropriate—to protect personal data. You should review permission dialogs carefully and our Privacy Policy for full detail.

8. Credit information and bureau reporting

You consent to us obtaining and using credit information (such as bureau reports) for underwriting and permitted purposes, as described in our Terms and loan documentation. We may report account conduct to credit bureaus; late, missed, or defaulted payments may affect your credit history.

9. Recovery and fair treatment (loan-related policies)

As reflected in our Key Facts Statement and loan agreement templates, any recovery activity will be undertaken strictly in accordance with RBI’s Fair Practices Code and without harassment. Details of authorised recovery arrangements are made available on our website as required. Loan terms, fees, cooling-off or look-up periods, and grievance clauses are as stated in your Key Facts Statement and agreement.

10. Our commitments (NeoMoney, partners, and representatives)

  • Act with honesty, integrity, and fairness; avoid misrepresentation or coercion in customer interactions.
  • Comply with RBI norms, applicable NBFC and digital-lending directions, and internal privacy, security, and grievance procedures.
  • Provide clear disclosure of material loan terms, fees, tenure, and penalties as per regulatory templates and your executed documents.
  • No hidden charges, no unauthorised auto-debit mandates, and repayments only to designated accounts as per agreement.
  • Safeguard customer data; access information only for legitimate purposes and under IT and security policies.

11. Grievances, reporting, and enforcement

For grievance handling and escalation (including the Grievance Redressal Officer), see our Grievance Redressal Policy and Contact page. Non-compliance with this Code or the Terms may result in suspension, termination, indemnification obligations, or legal action where permitted. Headings are for convenience only and do not limit the meaning of any section.

12. Updates

We may update this Code of Conduct to reflect changes in law, RBI guidance, or our App Policies. The revised version will be published on this site; continued use of the platform after updates constitutes acceptance unless applicable law requires otherwise.