This website http://www.cashdash.in ( “Website” ) and mobile application “cashdash” is owned and operated by Headroom Financial Technology Services Private Limited ( “cashdash/ We/ Us” which expression shall mean and include its affiliates, successors and permitted assigns ), having its registered office at 53, Harmony Apartment, Plot 1 Sector 4, Dwarka, New Delhi – 110078 and its Corporate Office at Clover Acropolis, Near Giga Space, Viman Nagar, Pune 411014. The Website is an online lending platform for users to avail financial services. Cashdash is committed in protecting and respecting the privacy of its users.
SCOPE
This privacy policy ( “Policy” ) is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. This Policy does not require any physical, electronic or digital signature. This Policy is a legally binding document between you and Cashdash. The terms of this Policy will be effective upon a User’s acceptance of the same, by clicking on the “I Accept” tab or by use of the Website and will govern the relationship between the User and Cashdash for the User’s use of the Website.
By clicking on the “I Accept” checkbox, you also authorize us to contact you if you are registered with them DND/NDNC registry. This Privacy Policy describes the information that we collect from the users, how We collect this information ( directly or through third parties or which is automatically generated, when you interact with our Website and our mobile application ( Mobile App ) ) and what We do with it after We collect it.
USER CONSENT
By using our Website and using it on a continued basis, you expressly consent and confirm to Cashdash collecting, maintaining, using, processing and disclosing your Personal and other Information in accordance with the terms set out in this Privacy Policy. If you do not agree with this privacy policy in its entirety, you must not use this website or products and/or services provided on it. If you have any questions or comments regarding this Privacy Policy, please contact us at contact@Cashdash.in
PRIVACY PRINCIPLES
At Cashdash, we may ask for and use your personal information and are committed to keeping this information secure. In order to maintain the confidentiality of your data, we maintain the following privacy principles including but not limited to the following:
We only collect personal information that is relevant and is required to gauge your financial abilities and to conduct our business. We use your personal information to provide you with better customer services and products.
We may pass your personal information to our affiliates or any agent or third-party service provider unless prohibited by laws and regulations. We will not disclose your personal information to any external organization unless we have your consent or are required by laws and regulations or have previously informed you.
We may disclose your personal information required by any regulatory agencies, but we will only do so under proper authority. We maintain strict security systems designed to prevent unauthorized access to your personal information by anyone, including our staff. This policy talks about why we ask for personal information and how we keep it secure. We request you to review our privacy policy from time to time because your use of our products and services implies your acceptance of the prevailing Privacy Policy.
INFORMATION WE COLLECT
During your use of the Website and Mobile App, we will collect such information from you when you provide to us including but not limited to the below mentioned:
Personal Information ( “Personal Information” ) that you provide to us while interacting with us such as your name, email address, mailing address, telephone number, aadhar card details, pan number, tan no., sales tax details, service tax details, bank account details, business financials, passport number, driving license number, purpose of loan, sources of your income and family income, demographic information like residential address and office address, pay slips, your family details, information relating to income and expenses obtained through bank SMS scraping and through integration with such service providers, credit related information that is collected from other sources like the credit bureau, information collected through Facebook, Twitter, LinkedIn or other social media accounts of the Users which have been linked to the account on the Website, information that you provide when you write directly to us ( including by e-mail ) or provide us over telephone, any other information that Cashdash is required to collect as per specific mandate from any bank or as a requirement under applicable law and other relevant financial information.
We also collect Non-personal information from you, such as your browser type, the URL of the previous website you visited, information about the pages viewed on website, how you navigate through the website and interact with webpages etc., your ISP, operating system types, clickstream patterns, and your Internet protocol ( IP ) Address ( “Non-Personal Information” ). Non-Personal Information cannot be easily used to personally identify you. We also contract with several online partners to help manage, monitor and optimize our Website and services and to help us measure the effectiveness of our advertising, communications and how visitors use the website. To do this, we may use web beacons and cookies. In addition to collecting information via our Website and Mobile App, we may also conduct a site visit to collect information and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media.
INFORMATION WE COLLECT AUTOMATICALLY
There is certain information that we collect automatically as the result of your use of the Platform, or through the use of web analytics services. This information includes but is not limited to:
INFORMATION FROM OTHER SOURCES
Cashdash allows you to sign up and log in using your Facebook account. If you sign up using Facebook, Facebook will ask your permission to share certain information from your Facebook account with Cashdash. This includes your first name, last name, email address in order for us to verify your identity and gender, general location, a link to your Facebook profile, your time zone, birthday, Home Town, education history, work history, tagged places, profile picture, relationship status, your “likes” and your list of friends.
This information is collected by Facebook and is provided to us under the terms of Facebook’s privacy policy. You can control the information that we receive from Facebook using the privacy settings in your Facebook account.
HOW WE USE THIS INFORMATION
Any information shared by you is used by us and/or authorized third parties/service partners to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we offer. By submitting your Personal Information to Cashdash, you expressly acknowledge and consent to Cashdash to use such information and to process the same in a manner deemed fit by Cashdash. We may use this information provided by you in the following ways but not limited to:
DISCLOSURE TO THIRD PARTY SERVICE PROVIDERS AND ONLINE PARTNERS
We may contract with various third parties who help us provide, maintain and improve the website and the Cashdash services. We do not sell your Personal Information to third parties. Cashdash guarantees that it is going to keep all information confidential except in the following cases:
To any agent or third-party service provider who provides administrative, analytics, telecommunications, computer, payment or other services to Cashdash in connection with the operation of its business. To any other person under a duty of confidentiality to Cashdash including an affiliate or group company of Cashdash which has undertaken to keep such information confidential;
To credit reference agencies, and, in the event of default, to debt collection agencies;
To any person to whom Cashdash is under an obligation to make disclosure under the requirements of any law binding on Cashdash or any of its branches. To any actual or proposed assignee of Cashdash or participant or sub-participant or transferee of Cashdash’ rights in respect of the customer. To governmental and other statutory bodies who have appropriate authorization to access the same for any specific legal purposes.
To comply with any legal obligation, or in order to enforce or apply the Terms of Use ( displayed on the Website ), or to protect the rights, property or safety of Cashdash, its Users or others. This includes exchanging information with other companies/agencies that work for fraud prevention and credit reference.
ACCESS TO YOUR GMAIL ACCOUNT
Where you allow Cashdash to fetch your bank statements from your Gmail account, Cashdash will access your Gmail account through using https://www.googleapis.com/auth/gmail.readonly API in Mobile App or Web Portal and extract your bank statements of past six months for the purpose of determining your loan eligibility. No other information or emails from your Gmail account will be read, opened, accessed or viewed. All such bank statements extracted by Cashdash shall be kept in our records till such time as maybe required for Loan assessment and for adhering with rules/regulations
COOKIES
Cookies are small bits of information that are automatically stored on a person’s web browser in his computer that can be retrieved by this site. Cookies allow web servers to recognize your computer each time you return to our website including the date and time of visits, page view history, time spent at our website, and the websites visited just before and just after our website, verify your registration or password information ( in case of registered users ) during a particular session so that you do not have to input your password multiple times as you navigate the site and suggest products or services that may interest you. This information is collected on an aggregate basis. None of this information is associated with you as an individual. We might also use other technology to track how you interact with our portal and employ some third-party agencies to use the data on our behalf. We might also use this information to display advertising from third party companies. Should you wish to disable these cookies you may do so by changing the setting on your browser. Most browsers will let you decline cookies but if you choose to do this it might affect service on some parts of our website.
INFORMATION SECURITY
We store and process your personal information on reputed web service cloud servers. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption using SSL, and information access authorization controls.
However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third-party access to our Website and databases or other acts of third parties or acts or omissions beyond our reasonable control and you shall not be entitled to hold Cashdash responsible for any breach of security.
SECURITY ASSURANCE
Both you and Cashdash play an important role in protecting against online fraud. You should be careful that your bank account details and other related information, including your User ID( s ) and/or Passwords/personal identification numbers ( PIN ) are not compromised by ensuring that you do not knowingly or accidentally share, provide or facilitate unauthorized use of it. Please do not share your User ID and/or password or allow access or use of it by others. We endeavor to put in place high standards of security to protect your interests.
You should safeguard your unique User ID( s ) and Passwords/PINs by keeping it secret and confidential. Kindly never write them down or share these details with anyone. Except in the course of a transaction, Cashdash will never ask you for your Passwords/PINs, in order to ensure that you are the only person who knows this information. When choosing your unique User ID and Password for the first time, do not create it using easily identifiable information such as your birthday, telephone number or a recognizable part of your name. If you think your User ID and/or Passwords/PINs have been disclosed to the third party is lost or stolen and unauthorized transactions may have been conducted, you are responsible to inform us immediately.
USE OF THIRD PARTY WEBSITES
You may be able to access third party websites directly from our Cashdash website. With this policy, we are only addressing the disclosure and use of data collected by us. If you visit any other websites through the links on the Cashdash website, you should properly review the privacy policies of each of those websites. Their data collection practices and their policies might be different and Cashdash does not have control over any of their policies and Cashdash disclaims all responsibility or liability with respect to these policies or the websites. If it so happens that Cashdash is part of a merger, acquisition or amalgamation, your data might be part of the deal with that third party and will be transferred to them.
REFERRALS
If you choose to provide a few referrals to introduce Cashdash and/or its Website to any other person/ entity, we may ask you to provide such person/ entity’s name and email address. Cashdash will automatically send such person/ entity an email inviting it or to visit the Cashdash website. Cashdash stores this information for the purpose of sending this email and keeping a record of the number of persons / entities so referred by the Users and may send additional emails to the said person / entity in connection with services offered by Cashdash. Such person/ entity may contact Cashdash at contact@Cashdash.in to request that this information be removed from Cashdash’ database.
TESTIMONIALS
We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at contact@cashdash.in
RETENTION OF DATA
We may retain the information about the users as long as the User account is active or as needed to provide services to the User. If the User wishes to cancel its account or requests that Cashdash no longer uses its information to provide services, the User may contact Cashdash at contact@cashdash.in. Cashdash will retain and use user information as necessary to comply with its legal obligations, resolve disputes, and enforce its agreements or for other business purposes.
CHANGES TO PRIVACY POLICY
In the event Cashdash modifies this Privacy Policy, the same will be updated on the Website. In case of any material changes to the Policy, the Users will be notified by email ( sent to the email address specified in the user's account or by means of a notice on this Website prior to the change becoming effective. The Users are encouraged to periodically review this page for the latest information on its privacy practices.
SEVERABILITY
Cashdash has made every effort to ensure that this Privacy Policy adheres with the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy.
SECURITY
CHANGES IN POLICY AND ACCEPTANCE
Cashdash may from time to time update this Policy. Cashdash will ensure to place a notice on the top of this page with the latest updated date. Accordingly, you should check the Privacy Policy on a regular basis for the most current privacy practices. Each time you access, use or browse the Website, you signify your acceptance of the then-current changes to the Privacy Policy applying to your Personal and/ or Non-Personal Information collected by us, on and from the effective date of such changes.
LIMITATION OF LIABILITY
Notwithstanding anything contained in this Policy or elsewhere, Cashdash shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event (as defined below).
A “Force Majeure Event” shall mean any event that is beyond the reasonable control of Cashdash and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes, lockouts or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, civil disturbances, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, and any other similar events not within the control of Cashdash and which Cashdash is not able to overcome.
OPT-OUT
You have the option to ‘opt-out’ of all Cashdash’ newsletters and other general e-mail marketing communications by way of links provided at the bottom of each mailer. Cashdash respects your privacy and in the event that you choose to not receive such mailers, it shall take all adequate steps to remove you from such lists. However, you will not be able to opt-out of receiving administrative messages, customer service responses or other transactional communications.
Cashdash Device Data Permissions
| Sr. Number | Permission | Purpose |
|---|---|---|
| 1. | We require Camera permission in order to capture picture and proceeds with loan application “Allow Cashdash to take pictures and record video?” | With this permission, the customer will be able to use camera of the device within the Cashdash mobile application for taking selfie. |
| 2. | We require Phone Storage permission in order to capture picture and proceeds with loan application. “Allow Cashdash to access photos, media, and files on your device?” | With this permission, the customer will be able to upload images of identity/ address documents, bank statements etc required in the course of loan. |
| 3. | To verify your address & improved services, we request your permission to access location services. “Allow Cashdash to access this device's location” | With this permission, the Company uses the location of the customer in the course of underwriting the customer and investigating the fraudulent/ suspicious transactions. |
| 4. | To call Company customer care executive directly through the Cashdash application “Allow Cashdash to make and manage phone calls” | With this permission, the customer is able to call Company customer care executive directly through the Cashdash application. |
| 5. | Cashdash would request your permission to access your transactional SMSes to verify and analyze your financial position. These SMSes will be stored on Cashdash & Service Provider’s servers. “Allow Cashdash to send and view SMS messages?” | With this permission, the company analyse the transactional SMS of the customer for verifying/ estimating the income/ expenses of the customer which helps is judging the repayment capacity of the customer. |
| 6. | To verify your identity, we request your permission to access the device information and status | With this permission, we fetch Device ID of the customer’s device. Same is used as evidence in digital transaction and relate the same with the identity of the customer. |
| 7. | To better understand your credit profile, we request permission to access list of installed apps on device | With this permission, the Company is able to understand customer profile i.e. too many loan apps may imply a credit hungry behaviour. |
CONTACT US
If you have any questions about this Privacy Policy, please e-mail them to compliance@cashdash.in or call us at 088600-36600
GRIEVANCE OFFICER
In accordance with the Information Technology Act, 2000 and Rules made there under, the name and contact details of the Grievance Officer are provided below:
Name: Mr. Shalini Dhingra Sinha
Address: Clover Acropolis, Near Giga Space, Viman Nagar, Pune 411014
Phone: 088600-36600
E-mail: compliance@cashdash.in; shalini.dhingra@Cashdash.in
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