INTRODUCTION

VERSYS TECHNOLOGY SOLUTIONS LLP (hereinafter referred to as "CashKuber/ we/ our") acknowledges the expectations of its customers (hereinafter referred to as "customer/ you/ your") regarding privacy, confidentiality and security of personal information that resides with the CashKuber. Keeping personal information of customers secure and preventing any misuse thereof, is therefore, a top priority of CashKuber.

We state that CashKuber is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with applicable laws and regulations as well as the best industry practice to protect the confidentiality of your personal information and its transmission through our website.

This Privacy & Security Policy (hereinafter referred to as "Policy") therefore, explains how we protect your personal information provided to us on our website i.e. www.cashkuber.com as well as our mobile application (CashKuber) (hereinafter collectively referred to as "Website") and how we use that information in connection with the service offered through the Website (hereinafter called as "Service") and must be read in conjunction with our General Terms of Use.

This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws and regulations that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.

PERSONAL INFORMATION:

Personal Information ("PI") means any information/ documents/ details that relates to a natural person, which either directly or indirectly in combination with other information available with CashKuber, can identify such person.

APPLICABILITY:

(i) This Policy applies to the PI such as details pertaining to your name, parentage, marital status, nationality, state/city of residence, residential address, e-mail address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar based e-Sign and such other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details (OVDs) accepted for concluding a financial transaction, which may be shared/ uploaded by you, as and when you avail any products or use the Website and to which CashKuber may become privy to.

(ii) By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy.

(iii) CashKuber reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by e-mail (sent to the e-mail address specified in your account) or by means of a notice on the Website prior to the change becoming effective.

WHAT PERSONAL INFORMATION ABOUT YOU WE GATHER:

The information we learn from customers helps us personalize and continually improve your experience at the Website.

Here are the types of information we gather:

• We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.
• We receive and store certain types of information whenever you interact with us. For example, like, we use "cookies" and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.
• We might receive information about you from other sources and add it to our account information.
• No biometric data should be stored/collected in the system associated with the LSP unless allowed under extant statutory guidelines

How do We Use The Information:

CashKuber collects your information when you register for an account, when you use its products or services, visit its Website's pages. When you register with the Website and sign in you are not anonymous to us. Also, you are asked for your contact number and other details during registration and may be sent SMS, electronic mails ("e-mails") , notifications, Whatsapp messages about our services to your wireless device.

EXPRESS CONSENT:

(i) By making use of the Website, and furnishing your personal and contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that CashKuber or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that CashKuber may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize CashKuber and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode. You agree and authorize CashKuber to share your information with its group companies, vendors, service providers, business partners, agents and other third parties, in so far as required for marketing purposes/offering/cross-selling various other products and services and/or to provide you with various value-added services, in relation with the Services selected by you or generally otherwise. You agree to receive communications through emails, telephone, Whatsapp, SMS, or any other form of messaging/communication service from CashKuber or such third parties. You also agree that CashKuber reserves the right to make your details available to its partner banks/financial institutions or any such other third party and that you may be contacted by the partners and/or the third party for information through email, telephone, Whatsapp and/or SMS.

(ii) The usage of the Website may also require you to provide consent for keying in your Personal Information ("PI") (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize CashKuber to derive your data/information from any other source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking know-your-customer ("KYC") checks by CashKuber or any other third party and/or to process your application through this Website. Your PI may also be used or shared with third parties including but not limited to our vendors, service providers, credit information agencies, analytics and research partners, other banks or financial institutions, insurers or intermediaries or any other third party with the intent of making your experience on the Website better, faster and paperless and frictionless to the extent possible. CashKuber shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, CashKuber shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.

(iii) You hereby authorize and expressly consent us to share your PI with third parties including but not limited to Credit Information Companies ("CIC") to do an aggregate check of your credit profile for CashKuber to send you targeted communications and offers.

(iv) If you are no longer interested in sharing your PI, please e-mail your request at: [email protected]. Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our Website. Such modes of contacting you may include sending SMSs and/ or telephonic calls.

(v) CashKuber reserves the right (and you expressly authorize CashKuber) to share or disclose your PI when CashKuber determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

OPT-OUT:

In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested in the below table, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at [email protected] from your email address registered at CashKuber. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s).

The details to be submitted for opting-out shall be as below:

Title*, First Name*, Last Name*, Country*, State*, City*, Email, Mobile Number #, Landline Phone Number

* Mandatory fields

# Please enter your 10-digit mobile number.

PURPOSE AND USAGE:

(i) CashKuber will not sell or rent your PI to anyone for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. CashKuber may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of our business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. As used in this Privacy Policy, the term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity). We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your account information and any other personal identifiable information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide our services. We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law. There are a number of products/services such as loans and other financial products offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. CashKuber is not responsible for their privacy policies. We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services.

Further CashKuber may use your information to:

1. Communicate with you about products, services and promotional offers offered by CashKuber or by its business partners, or other third parties.

2. Assist third parties like our business partners and/or service providers in facilitating and delivering products and services to you, process payments and your applications.

3. send you any administrative notices, offer alerts and other communications relevant to your use of the Website;

4. display tailored product offers to you and enable you to apply for certain products and services;

5. Send you information about special promotions or offers offered by CashKuber or any of its business partners. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom CashKuber has a tie - up;

6. carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;

7. improve our Services and manage our customer relationships better, and to provide you with location-based services, such as advertising, search results, and other personalized content;

8. enforce CashKuber General Terms of Use;

9. comply with all applicable laws and regulations.

You also agree and consent to us collecting, storing, processing, transferring and sharing information (including sensitive personal information) related to you with third parties or service providers for the purposes as set out in this Privacy Policy.

CONTACT US WITH ANY QUESTIONS OR CONCERNS (GRIEVANCE REDRESSAL):

If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to [email protected].

Last update: The Privacy Policy was last updated on 9th April 2024.