Wayyco Privacy Policy
Last updated: 1 October 2026
This policy explains what personal data we collect when you use the wayyco app, website (wayyco.com) and voice assistant (together, the "Service"), why we collect it, and the choices you have.
1. What we collect
- Identity and contact details: name, mobile number, email address and city
- Loan and financial details: your lender, loan type, outstanding amount, interest rate, EMI, tenure, income and employment details, and property details for home loans or loans against property.
- Credit information: your credit report and score
- Email access: if you connect your email account, we access only what we need to send messages to your lender on your behalf and to read your lender's replies to those messages. We do not read unrelated emails.
- Voice and chat: recordings and transcripts of your conversations with our AI assistant, and messages you send us on WhatsApp, phone or email.
2. Why we use it
- To check whether you can get a lower interest rate or a better loan, and to show you options.
- To contact your current lender on your behalf, with your instruction, to request a rate reset or loan statements.
- To help you apply for a balance transfer or top-up with a partner bank or housing finance company, if you choose to.
- To verify your identity, prevent fraud and meet our legal obligations.
- To improve the Service, including training and testing our assistant on de-identified data.
- To send you updates about your request and, if you opt in, product news. You can opt out of marketing at any time.
We rely on your consent for most of this processing. You can withdraw consent at any time (see section 6). Withdrawing consent does not affect anything we did before you withdrew it, but we may no longer be able to provide the Service.
3. Who we share it with
We do not sell your personal data. We share it only with:
- Your lender and partner lenders: only when you ask us to act on your behalf or to apply for a loan.
- Service providers who process data for us under contract, including cloud hosting, email delivery, analytics, customer support and AI providers that power our voice and text assistant (for example OpenAI, ElevenLabs, Google Cloud, AWS). Some of these providers may process data outside India, in countries permitted under Indian law.
- Authorities: when required by law, court order or a regulator.
- A successor entity: if wayyco is merged or acquired, subject to this policy.
4. Google user data
If you connect a Google account, our use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. We use Gmail data only to send and track messages with your lender that you have approved. We do not use it for advertising, and humans at wayyco do not read it unless you ask us to for support, it is needed for security, or the law requires it.
5. How long we keep it and how we protect it
We keep your data for as long as your account is active or as needed to complete your request, and then delete it, unless the law requires us to keep it longer. Voice recordings are deleted within 90 days unless you ask us to keep them. We use encryption in transit and at rest, access controls and regular security reviews. No system is fully secure, and we will inform you and the Data Protection Board of India of a personal data breach as the law requires.
6. Your rights
You can ask us to: access a summary of the data we hold about you; correct, complete or update it; delete it; withdraw consent; and nominate another person to exercise these rights if you die or become incapacitated. Write to founders@wayyco.com. We will respond within 10 working days.
7. Children
The Service is only for people aged 18 and above. We do not knowingly collect data from children.
8. Grievance Officer
Grievance Officer
Email: founders@wayyco.com
We will acknowledge complaints within 24 hours and resolve them within 15 days. If you are not satisfied, you may approach the Data Protection Board of India.
9. Changes
We may update this policy. If the changes are material, we will tell you in the app or by email before they take effect.