What they may do · DPDP §6(4)
What MobiKwik (One MobiKwik Systems Ltd.) does with your data
A wallet and lending app that shares your data with RBI-registered lenders, bureaus and third-party tracking partners, may capture a KYC selfie for those lenders, and cannot stop a lender holding your data after you withdraw consent.
-
Shares your data with partners
Passed to group companies, advertisers or analytics firms you never chose.
What this costs you. Your number and habits travel to companies you have never heard of and never agreed to. This is the step where the spam calls start.
Show me where they say that
MobiKwik (One MobiKwik Systems Ltd.)’s own policy says “To facilitate the PPI, lending and non-lending services, MobiKwik will be required to access, collect and share Personal Information with its lending partners that may be banks or NBFCs registered with the Reserve Bank of India or any other third-party providing value added services in partnership with MobiKwik.”
Our summary personal information is shared with RBI-registered bank and NBFC lending partners and with other third parties providing value-added services; the policy separately covers sharing with group companies and affiliates, credit bureaus, technology partners and government or judicial authorities.
-
Follows you onto other websites and apps
Their tracking carries on after you leave, through pixels and SDKs embedded elsewhere.
What this costs you. You get recognised on sites that have nothing to do with them. Closing the app does not close the file.
Show me where they say that
MobiKwik (One MobiKwik Systems Ltd.)’s own policy says “We will disclose the data / information provided by a user with other technology partners to track how the User interact with the Platform on Our behalf.”
Our summary user data is disclosed to third-party technology partners who track how the user interacts with the MobiKwik platform on MobiKwik's behalf. The tracking disclosed is by outside partners but scoped to MobiKwik's own platform; the policy does not claim to follow users onto unrelated sites.
-
Keeps your records long-term
Held on after you stop using the service.
What this costs you. Years after you delete the app, the record is still sitting there — and every year it sits there is another year it can leak.
Show me where they say that
MobiKwik (One MobiKwik Systems Ltd.)’s own policy says “Further, if You have availed any loan facilities from Our lending partner, the lending partner shall have the right to continue processing Your information till such credit facility has been repaid in full, along with any interest and dues payable and/or for such period as may be allowed under applicable law.”
Our summary withdrawing consent does not stop a lending partner continuing to process the user's information until the credit facility is repaid in full and for any further period permitted by law; the policy adds that multiple legal bases may exist in parallel and that certain data may still have to be retained.
-
Processes your face or other biometrics
Face matching, liveness checks or similar.
What this costs you. You can change a leaked password in a minute. You cannot change your face. A biometric breach is permanent in a way nothing else is.
Show me where they say that
MobiKwik (One MobiKwik Systems Ltd.)’s own policy says “Furthermore, we may require camera access to scan and capture the necessary KYC documents as well as selfie (photograph) as mandated by our Lending Partners, again in compliance with pertinent laws.”
Our summary the app may use camera access to capture a selfie photograph along with KYC documents as mandated by its lending partners; the same passage states this is transferred promptly to those partners without MobiKwik retaining any record.
What the policy does not mention
These are uses MobiKwik (One MobiKwik Systems Ltd.)’s policy is silent on. Silence is not a promise — it means the document does not say, and we do not infer either way.
- Builds an advertising profile of you
- Trains AI models on your content
MobiKwik is one app. How many are on your phone?
Most people carry twenty to forty. Add yours and see the total in one screen — how many share your data, profile you for ads, or follow you across the web. Then take it back from all of them at once.
Manage my data with Saaph.in →Free to check · no account needed · built in India for the DPDP Act
Questions
What does MobiKwik (One MobiKwik Systems Ltd.) do with my personal data?
According to MobiKwik (One MobiKwik Systems Ltd.)'s own privacy policy, read on 2026-08-14, it discloses 4 of the six uses we track: shares your data with partners, follows you onto other websites and apps, keeps your records long-term, processes your face or other biometrics.
Can I withdraw my consent from MobiKwik (One MobiKwik Systems Ltd.)?
Section 6(4) of India's Digital Personal Data Protection Act 2023 gives you the right to withdraw consent for processing you agreed to. The Act's substantive provisions commence in stages up to May 2027, so a request made now asks for voluntary compliance and puts the date on record. Processing a company carries out under a legal obligation — such as KYC records the RBI requires — cannot be withdrawn.
Does MobiKwik (One MobiKwik Systems Ltd.) track me for advertising?
Yes — MobiKwik (One MobiKwik Systems Ltd.)'s published policy discloses this. The exact sentence it is based on is quoted on this page, with the date we read it and a link to the source.
Every use above is one MobiKwik (One MobiKwik Systems Ltd.) declared in its own published privacy policy, which we
read on 2026-08-14. Quotes are verbatim; the summary beside each one is ours
and is labelled as ours. Nothing here is inferred.
Saaph.in is a DPDP consent and request management platform operated by Ronin Works
Private Limited. It is a communication facilitator, not your legal or authorised
representative. The DPDP Act 2023 commences in stages up to May 2027, so a request
made today asks for voluntary compliance and records the date you asked.
Our privacy policy