Cashify (“Cashify,” “we,” “us,” or “our”) deeply believes in the importance of earning and maintaining your trust. As such, we are strongly committed to protecting your privacy rights. You should carefully read this Privacy Statement (“Statement”) to inform yourself on how CASHIFY collects, uses, shares, or otherwise processes information relating to individuals (“Personal Data”), and to learn about your applicable rights regarding such processing.

I. About the Statement – Processing Activities

This Statement applies Personal Data processed by Cashify when you:

  • visit this website (www.cashify.in) and/or any other CASHIFY website(s) which reference or link to this Statement (collectively, “Website”).
  • use, download, access, as applicable, any of our various internet-based offerings, including mobile platforms, software, or applications (collectively, “Services”).
  • visit CASHIFY’s branded social media sites.
  • receive communications from us, including emails, phone calls, or other electronic messages; or

II. Information We Collect

We collect some information directly from you (for example, via forms you complete or products or Services you access, download, or otherwise obtain). Such information is generally limited to:

  • Name, Contact details, Email ID, IMEI, Device Details
  • Your communications with CASHIFY personnel.
  • Content you post on our social media sites.
  • Information you provide on the Website, such as online questionnaires, or feedback forms.
  • Information you provide when you subscribe to sms services.
  • Information you provide when you create your account, log-in credentials and information about your use of and preferences for the Services. 

Other information is received indirectly from you via use of the Services (for example, from observing your actions on the Website or to provision you with account access). Such information is generally limited to:

  • Information regarding usage of the Services or Website via web logs collected automatically and passively using various technologies, which generally will not specifically identify you or other individuals. Examples may include IP addresses, Device details, browser types, domain names, and other anonymous statistical data regarding aggregate usage.

Lastly, we also collect Personal Data via other sources such as public records, publicly available sources or internet sites, vendors, data suppliers and service providers, commercially available marketing lists or registries, telephone directories, social networks (such as LinkedIn), news outlets and related media. Such Personal Data collected via these sources is limited to business contact information, such as names, contact information, job titles, IP addresses, and LinkedIn and other social media profiles.

III. Use of Cookies, Tracking Technologies, and other Electronic Tools

A “cookie” is a small text file with a unique identifier placed on a browser or online device, used to collect limited information about your online preferences and increase website efficiency. When you visit the Website, CASHIFY or one of our authorized third parties may place a cookie on your browser and/or device. CASHIFY uses such cookies to manage your preferences, customize and deliver content and advertising, provide social media features, and examine usage information pertaining to Website visits.

We may use both “session cookies” (which disappear once the browser is closed or computer is turned off) and “persistent cookies” (which remain in operation until deleted). You can manage website cookies in your relevant browser settings, and you always have the choice to change these settings by accepting, rejecting, or deleting cookies. If you choose to change your settings, you may find that certain Website or Services functions and features will not work as intended. 

The following describes how we use or may choose to use different categories of cookies and similar technologies:

Required or essential cookies. These cookies are necessary for the Website’s basic operations and there are no options to disable. For example, session cookies needed to transmit the Website, authentication cookies, and security cookies.

Social media cookies. These cookies allow users to share our Website or materials on social media sites. Because these cookies are not within our control, you should refer to their respective privacy policies to understand how they work.

Advertising cookies. Advertising cookies track activity across websites in order to understand a viewer’s interests, and to direct specific marketing to them. Cashify may now or in the future elect to contract with third-party advertising networks that collect IP addresses and other information from web beacons on our websites, from emails and on third-party websites.

Functionality cookies. These cookies help us customize our website content based on a user’s preferences. They remember the user’s choices, their language, the country pages visited and any changes the user makes to text size or other parts of our website pages. The information these cookies collect may be anonymized and they cannot track browsing activity on other websites.

IV.  Use of Personal Data

CASHIFY uses your Personal Data when: it is necessary to perform our obligations or exercise our contractual rights; we have a legitimate business interest to process such Personal Data; it is necessary to comply with applicable laws or regulations; we have your consent (where required under applicable law) to use your information (where we rely on your consent, you have the right to withdraw consent by contacting us as set forth below). Such legal reasons are identified for the following common instances:

Administering our Website and Providing Services: Personal Data is processed to perform our contractual obligations, where applicable. In instances where we have not entered into a contract with you, such processing is based on our legitimate interest to manage and promote our business, operate and administer the Website, provide and improve the Services, and to provide requested content (for example, when you request a quote on our website).

User Registration: In accordance with our contractual obligations or legitimate interest to provide Services, when you register for an account with CASHIFY, we process your Personal Data as needed to register and administer your account, provide technical and client support and training, verify your identity, and send important account, and Services information.

Support Requests: If you request that CASHIFY contacts you (for example, for any queries related to products and services), or if you contact us by means available on website, we process your Personal Data to the extent it is necessary for our legitimate interest in fulfilling your requests and communicating with you, or as is required by contractual obligations.

Compliance; Security and Functionality of Website and Services: For our legitimate interests in ensuring adherence to relevant terms, we process your Personal Data to review compliance with the applicable usage. Personal Data is also processed by tracking use of the Website and Services, to perform our contractual obligations, where applicable, to provide a secure and functional experience. In instances where we have not entered into a contract with you, such processing is based on our legitimate interest in promoting the safety and security of the Website, Services, systems and applications and in protecting our rights and the rights of others, whereby we reserve the right to monitor, investigate and report any attempts to breach the security of the Website or Services, verify accounts and activity, and enforce our terms and policies.

Improving Website and Services; Developing Offerings: We process your Personal Data to analyze trends, usage, and interactions with the Website and Services to the extent it is necessary for our legitimate interest in improving the Website and Services, developing new offerings, and providing individuals with tailored content and to personalize your experience with our Services. In certain instances, we will process your Personal Data for such development by directly seeking your input. (for example, through feedback surveys).

Marketing Communications; Advertisement: It is our legitimate business interest to promote our Website and Services, grow our company, and advertise our offerings (whether via direct marketing or providing personalized content advertisements), and as such we will process your Personal Data by sending certain marketing information and other communications solely as necessary to reflect such legitimate interests, or, if applicable, to the extent you have provided your prior consent.

Payments: In the instances where you have provided financial information to us, CASHIFY will process your Personal Data to verify such information and to collect/process payments solely as needed to complete a transaction and perform our contractual obligations.

Legal Obligations: We may be required to process Personal Data for legal and compliance reasons we believe to be necessary or appropriate under applicable law. Such processing may be required to: respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities; enforce our terms of service or other terms and conditions; or protect our rights, privacy, safety, or property, or those of other persons.

V.  Sharing Information

CASHIFY may share Personal Data as follows:

Contracted Service Providers. As necessary to provide the Services, conduct our business operations, or when we believe that applicable law permits or requires disclosure, we may share Personal Data with contracted service providers, including entities which provide for hosting and system administration, payment processing, analytics, marketing, data enrichment, or client support, to the extent necessary and in accordance with the legal bases set forth above. These service providers only receive Personal Data necessary to fulfill the services they provide to CASHIFY. Under no circumstances are such service providers permitted to use obtained Personal Data for any purpose other than to provide CASHIFY with the designated services.

Your Employer. To the extent you are an authorized user of the Services or have otherwise registered for CASHIFY offerings using your corporate email address, we may share Personal Data with your employer to the extent this is necessary to provide you with access, to verify accounts and activity, investigate suspicious activity, or enforce our terms and policies.

Mergers or Acquisitions. In the event of a merger, acquisition, consolidation, change of control, corporate divestiture or dissolution where we sell all or a portion of our business or assets, we will disclose necessary Personal Data and such information will be governed by the privacy policies of acquiring entities. In accordance with applicable laws, we will use reasonable efforts to notify you of any transfer of Personal Data to an unaffiliated third party.

Data Analytics. Occasionally, we may share non-personal, anonymized, and statistical data with third-parties for the purpose of helping CASHIFY with such analysis and improvements. CASHIFY may also use anonymous, aggregated utilization data for typical business operations (for example, Governance reporting).

Public Forums: If any part of the Website or CASHIFY branded social media sites permit public forum posting, the Personal Data you choose to post, share, upload, or make publicly available may be visible to others. You should never post or share any information that is confidential or about others unless you have permission to do so. We may use information you provide to personalize your experience and to make content recommendations.

Friends/Acquaintances: Please bear in mind that Cashify cannot control what your friends or acquaintances do with the information you share with them. Once displayed on publicly viewable web pages, information that you share can be collected and used by others. To request removal of your personal information from our blog or community forum, please contact us at info@Cashify.in. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why. We may also provide a feature allowing you to invite/refer a friend to join Cashify or avail our services. If you provide a friend’s email address to us for this reason, we will use that email address only for the purpose of sending a onetime invitation to your friend. Your friend may contact us at info@Cashify.in to remove their information from our database.

VI. Location of Processing.

Cashify is solely located in, and operates from, India. Additionally, we host our Services and process your Personal Data solely in the India. However, it is possible that some of the service providers referenced above may process Personal Data outside your jurisdiction, and in countries that are not subject to an adequacy decision by the European Commission or your local legislature and/or regulator, and that may not provide for the same level of data protection as your jurisdiction. We ensure that the information continues to be protected wherever it is located in a manner consistent with the standards of protection required under applicable law, for instance by entering into the appropriate back-to-back agreements and, if required, standard contractual clauses for the transfer of data as approved by the European Commission (Art. 46 GDPR).

VII. Minors

CASHIFY’s Services are solely intended for business clients and are not directed at minors. Transaction on the Platform is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including un-discharged insolvents etc. are not eligible to use the Platform. If you are a minor i.e. under the age of 18 years, you may use the Platform or access content on the Platform only under the supervision and prior consent/ permission of a parent or legal guardian. We do not knowingly collect Personal Data from children under the age of 18. If you are a parent or guardian and believe your child has provided us with Personal Data without your consent, please contact us as set forth below in Section XI, and we will take steps to delete such Personal Data from our systems.

VIII. Retention Periods

CASHIFY shall typically retain Personal Data for the amount of time needed for the original purpose of collecting or obtaining such data. Appropriate retention periods are generally further determined by the nature and sensitivity of such Personal Data, including any potential risk of harm which could arise out of unauthorized use or disclosure, as well as whether additional legal/regulatory obligations require us to retain it. In most instances this means we shall only retain Personal Data during our relationship, where needed for tax or regulatory periods, or any statutory limitation periods under applicable laws. 

IX. Accessing and Controlling Your Information

Depending on applicable laws, you have certain rights regarding your Personal Data. These rights may include:

  • Right to access and/or rectify inaccuracies. You have the right to access Personal Data we hold about you and, in most circumstances, to be provided with a copy of this information. You also have the right to correct any inaccuracies relating to your Personal Data which we hold.
  • Right to restrict use. to the extent permitted by law, you have the right to restrict use of such processing.
  • Right to request deletion. You have the right to request that we delete your Personal Data from our systems. Please note, if you prefer to opt-out of marketing communications, it is preferable that we retain your basic contact information with a strict “do not contact” mark applied, to ensure we do not contact you in the future.
  • Right to object to processing. Where we process your Personal Data on a legitimate interest basis (for example, direct marketing purposes), you can exercise your right to object at any time to such processing without having to provide any specific reason for such objection. In such cases, we will stop processing your Personal Data until we verify that we have compelling legitimate grounds for processing that outweigh your interests, rights, and freedoms in asking us to stop processing the data, or in limited cases where we need to continue processing the data for the establishment, exercise, or defense of legal claims.
  • Right to withdraw consent. To the extent we base the processing of your Personal Data on your consent, you have the right withdraw consent at any time, without affecting the lawfulness of the processing based on such consent before its withdrawal.
  • Right to data portability. In most instances, you have the right to receive all Personal Data you have provided to us in a structured, commonly used, and machine-readable format and to transmit this data to another data controller, to the extent such transfer is technically feasible.
  • Right to lodge a complaint with a supervisory authority. Provided you are a citizen of India, you have the right to file a complaint regarding the processing of your Personal Data with the Data Protection Authority of India in the country where you reside, where you work, or where the alleged infringement of data protection laws has taken place. 

How to exercise your rights

To exercise your rights, please contact us info@cashify.in. Any requests should include information to allow us to verify your identity (e.g., your name, address, email address, or other information reasonably required). 

We use all efforts to respond to any legitimate requests within one month. In the event we require additional information, we will contact you and specify what is needed. In certain circumstances, it may take longer than one month, for example if we receive overly complex or numerous requests. Occasionally it may take us longer than a month, taking into account the complexity and number of requests we receive. 

X. How we may contact you

Service communications

We communicate with you regarding the Transaction that you have initiated with us. 

Marketing communications and editorial newsletters

If we have your permission, we may send you materials we think may interest you, such as Cashify new offers and updates. Depending on your marketing preferences, this may be by email or SMS.

You can decide not to receive these emails at any time and you may manage your receipt of the same by clicking on the “unsubscribe” or other equivalent link located on the bottom of any emails, or contact us at info@cashify.in.

Customer Feedback 

Sometimes we may contact you for feedback related to your transaction/experience with Cashify. 

Responding to your queries or complaints

If you have raised a query or a complaint with us, we may contact you to answer your query or to resolve your complaint.

XI. Security of personal information

We have implemented appropriate technical and organizational controls to protect your personal data against unauthorized processing and against accidental loss, damage or destruction. We have provided OTP based access to your account. You should keep this OTP confidential and not share it with anyone else including anyone who works for us. Unfortunately, sending information via the internet is not completely secure. Although we will do our best to protect your personal data once with us, we cannot guarantee the security of any personal data sent to our site while still in transit and so you provide it at your own risk. If you have any questions about security on our Website, you can contact us at info@cashify.in

XII. Questions Regarding this Statement and Your Information

If you have any questions or comments regarding this Statement or your information, please contact us at info@cashify.in

XIII. Modifications to this Statement

We implement technical and organizational measures to seek to ensure a level of security appropriate to the risk to the Personal Data we process. These measures are aimed at ensuring the integrity, confidentiality, and availability of Personal Data.

Cashify reserves the right to change this Statement at any time by posting revisions on the Website. Such changes will be effective upon posting and will modify the “Last Updated” date above. We encourage you to periodically review this Statement to stay informed about our processing of your Personal Data.