Privacy Policy
By visiting this TrueCash Fast Personal Loan mobile and/or web application (“App”) (collectively, the “Platform”) and availing the services provided by us (“Services”) you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree to this Policy or any part thereof, please do not use or access our Platform or any part thereof.
The Platform recognizes the importance of
maintaining your privacy. This Privacy Policy describes how the Platform
collects and handles certain information it may collect and/or receive from
you. This Privacy Policy applies to current and former visitors to our
Platform. By visiting and/or using the Platform, you are accepting and
consenting to the practices described in this Privacy Policy.
For the purpose of this Privacy Policy, the users
of the Services may be customer/consumers, or any other persons using Services
or accessing our Platform (“user” or “you” or “your”).
WHAT
PERSONAL INFORMATION ABOUT YOU WE GATHER ?
- The information we learn from customers helps
us personalize and continually improve your experience on the platform.
- In general, you can browse the Website or App
without telling us who you are or revealing any personal information about
yourself. However, to create an account on the Website or App, you must provide
us with certain basic information required to provide customized services. The
information we collect from you, inter alia, including:
1. your
full name;
2. email;
3.
mailing address;
4. postal
code;
5. family
details;
6.
university/college details;
7. phone
number;
8.
Permanent Account Number (PAN);
9.
Academic records and certificates;
10. Aadhar card Details;
11. face picture;
12. Bank card information.
- You always have the option to not provide
certain information by choosing not to use a particular service or feature on
the Platform. We also collect other identifiable information (your payment card
details and transaction histories on the Platform) from you when you set up a
free account with us as further detailed below. While you can browse some
sections of our Platform without being a registered member as mentioned above,
certain activities (such as availing of loans from the third party lenders on
the Platform) requires registration and for you to provide the above details.
The Platform shall clearly display the personal information it is collecting
from you, and you have the option to not provide such personal information.
However, this will limit the services provided to you on the Platform.
COLLECTION
OF MOBILE NUMBER AND EMAIL ADDRESS:
- In order to uniquely identify you, we collect
your mobile number and email address when you sign in. This helps us ensure
that no unauthorized device or person is acting on your behalf.
COLLECTION
OF LOCATION:
- We collect location information from your
device to reduce the risk associated with your account.
Collection
of financial SMS information:
- We will not collect or store your personal text
messages from your inbox.
- We only
collect financial text messages sent by 6 alphanumeric senders. By analyzing
cash flow patterns and the various accounts you have, we determine your risk
profile and then provide you with appropriate credit analysis. This enables you
to obtain financial facilities from regulated financial entities and other
service providers available on the platform.
- When using the application, it will
periodically send financial SMS messages to our affiliated servers and us.
COLLECTION OF CONTACTS LIST:
- As a part of our loan journey, we require
references from the Loan applicant. In this regard, during filing the form on
our App, we collect your contact information to detect close contacts which
enable you to fill the data automatically.
- This can also help us to detect credible
references. The more credible the references are, the lower is the risk
associated to a User.
COLLECTION OF INSTALLED APPLICATIONS:
- We collect a list of the installed applications
metadata information which includes the application name, package name,
installed time, updated time, version name and version code of each installed
application on your device to assess your credit worthiness and enrich your
profile with pre-approved customized loan offers.
MEDIA,
PHOTOS & FILES:
- We require the media, photos, and files
permission that allows the App to enable you to upload photos or documents to
complete the application form during your loan application journey.
STORAGE:
- In order to complete the loan application
successfully we require the storage information permission that allows the App
to enable you to upload photos or documents.
CAMERA:
- We require the camera information permission to
provide you an easy/smooth experience and to enable you to click photos of your
KYC documents along with other requisite documents and upload the same on the
App during your loan application journey.
COLLECTION
OF DEVICE INFORMATION:
- The information the App collects, and how that
information is used, depends on how you manage your privacy controls on your
device.
- When you install the App, we store the
information we collect with unique identifiers tied to the device you’re using.
- We collect information from the device when you
download and install the App and explicitly seek permissions from YOU to get
the required information from the device.
- The information we collect from your device
includes the unique ID i.e. IMEI number, information on operating system, SDK
version and mobile network information including carrier name, SIM Serial and
SIM Slot, your profile information, list of installed apps, Wi-Fi information.
- We collect information about your device to
provide automatic updates and additional security so that your account is not
used in other people’s devices. In addition, the information provides us
valuable feedback on your identity as a device holder as well as your device
behavior, thereby allowing us to improve our services and provide an enhanced
customized user experience to you.
COLLECTION
OF OTHER NON-PERSONAL INFORMATION:
- We automatically track certain information about
you based upon your behavior on our Platform. We use this information to do
internal research on our users' demographics, interests, and behavior to better
understand, protect and serve our users and improve our services. This
information is compiled and analyzed on an aggregated basis. We also collect
your Internet Protocol (IP) address and the URL used by you to connect your
computer to the internet, etc. This information may include the URL that you
just came from (whether this URL is on our Website or not), which URL you next
go to (whether this URL is on our Website or not), your computer browser
information, and your IP address.
- Cookies are small data files that a Website
stores on Your computer. We will use cookies on our Website similar to other
lending websites / apps and online marketplace websites / apps. Use of this
information helps Us identify You in order to make our Website more user
friendly. Most browsers will permit You to decline cookies but if You choose to
do this it might affect service on some parts of Our Website.
- If you
choose to make a purchase through the Website, we collect information about
your buying behavior.
- We
retain this information as necessary to resolve disputes, provide customer
support and troubleshoot problems as permitted by law.
- If you send us personal correspondence, such as
emails or letters, or if other users or third parties send us correspondence
about your activities or postings on the Website, we collect such information
into a file specific to you.
USE AND DISCLOSURE OF YOUR PERSONAL AND OTHER
INFORMATION:
- We access, store and use the information we
collect from to provide our Services, to research and develop new ones.
- We use personal information to provide the
services you request, to customize your user experience and to improve our
services. To the extent we intent to use your personal information to market
any product to you, we will provide you the ability to opt-out of such uses.
We use your personal information to:
1) Assist our business partners in facilitating
and delivering services to you, process payments and your applications,
communicate with you about products, services and promotional offers
2) Respond to queries, or requests submitted by
you, and resolve your grievances/issues/problems with any services supplied to
you
3)
Administer or otherwise carry out our obligations in relation to any agreement
with our business partners
4) Send
you information about special promotions or offers. 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 Go Cash
has a tie – up
5) Use
your information for internal analysis and to provide you with location-based
services, such as advertising, search results, and other personalized content
6) Use
this information to improve our platform, prevent or detect fraud or abuses of
our Website and enable third parties to carry out technical, logistical or
other functions on our behalf. We may combine information we get from you with
information about you we get from third parties
7) Send
you notices, communications, and recommend services that might be of interest
to you update our records and generally maintain your accounts with us, display
content and customer reviews
We use the information provided by You in the
following ways:
1) to establish identity and verify the same;
2)
monitor, improve and administer our Website / Platform;
3) provide our service i.e. perform credit
profiling for the purpose of facilitating loans to You.
4) design
and offer customized products and services offered by our third party financial
partners;
5) analyze how the Website is used, diagnose
service or technical problems and maintain security;
6) send communications notifications,
information regarding the products or services requested by You or process
queries and applications that You have made on the Website;
7) manage
Our relationship with You and inform You about other products or services We
think You might find of some use;
8) conduct
data analysis in order to improve the Services / Products provided to the User;
9) use the
User information in order to comply with country laws and regulations;
10) to
conduct KYC for our third party lending partners based on the information
shared by the User;
11) use
the User information in other ways permitted by law to enable You to take
financial services from our lending partners.
- We will use and retain Your information for
such periods as necessary to provide You the Services on our Website, to comply
with our legal obligations, to resolve disputes, and enforce our agreements.
LINK TO THIRD-PARTY SDK:
- Our application has a link to a registered
third party SDK which collects data on our behalf and data is stored to a
secured server to perform a credit risk assessment. We ensure that our third
party service provider takes extensive security measures in order to protect
your personal information against loss, misuse or alteration of the data.
- Our
third-party service provider employs separation of environments and segregation
of duties and have strict role-based access control on a documented,
authorized, need-to-use basis. The stored data is protected and stored by
application-level encryption. They enforce key management services to limit
access to data.
- Furthermore, our registered third party service
provider provides hosting security – they use industry-leading anti-virus,
anti-malware, intrusion prevention systems, intrusion detection systems, file
integrity monitoring, and application control solutions.
DISCLOSURE
TO THIRD PARTIES:
- We will
share Your information with only our registered third parties including our
regulated financial partners for provision of services on the Website and/or
for facilitation of a loan / facility to a User. We will share Your information
with third parties only in such manner as described below:
1) We disclose and share Your information with
the financial service providers, banks or NBFCs and Our third party partners
for facilitation of a loan or facility or line of credit or purchase of a
product;
2) We share Your information with our third party
partners in order to conduct data analysis in order to serve You better and
provide services or Products on our Website;
3) We may
disclose Your information, without prior notice, if We are under a duty to do
so in order to comply with any legal obligation or an order from the government
and/or a statutory authority, or in order to enforce or apply Our terms of use
or assign such information in the course of corporate divestitures, mergers, or
to protect the rights, property, or safety of Us, Our users, or others. This
includes exchanging information with other companies and organizations for the
purposes of fraud protection and credit risk reduction.
4) We will
disclose the data / information provided by a User with other technology
partners to track how the User interact with Website on Our behalf.
5) We and
our affiliates may share Your information with another business entity should
we (or our assets) merge with, or be acquired by that business entity, or
re-organization, amalgamation, restructuring of business for continuity of
business. Should such a transaction occur than any business entity (or the new
combined entity) receiving any such information from Us shall be bound by this
Policy with respect to your information.
6) We will disclose the information to our third
party technology and credit partners to perform credit checks and credit
analysis like Credit Bureaus or third party data source providers;
7) We will
share Your information under a confidentiality agreement with the third parties
and restrict use of the said Information by third parties only for the purposes
detailed herein. We warrant that there will be no unauthorized disclosure of
your information shared with third parties.
8) By using the Platform, you hereby grant your
consent to the Company to share/disclose your Personal Information (i) To the
concerned third parties in connection with the Services; and (ii) With the governmental
authorities, quasi-governmental authorities, judicial authorities and
quasi-judicial authorities, in accordance with applicable laws of India.
- In case
we use or disclose your information for any purpose not specified above, we
will take your explicit consent.
True Cash
Loan CHANGES IN THIS PRIVACY POLICY :
- True Cash Loan reserves the right to change,
modify, add, or remove portions of this Privacy Policy at any time for any
reason. In case, any changes are made in the Privacy Policy, we shall update
the same on the Website. Once posted, those changes are effective immediately,
unless stated otherwise. We encourage you to periodically review this page for
the latest information on our privacy practices. Continued access or use of the
Services constitute Your acceptance of the changes and the amended Privacy
Policy.
ACCESSING YOUR INFORMATION / CONTACTING US:
- At any
point of time Users can choose to edit/modify or delete/withdraw any Personal
Information shared for use of the Platform. Please note that deleting or
withdrawing information may affect the Services we provide to you. In case of
modification of Personal Information, Users will be required to furnish
supporting documents relating to change in Personal Information for the purpose
of verification by the Company.
YOUR PRIVACY CONTROLS:
-You have
certain choices regarding the information we collect and how it is used:
1) Device-level settings: Your device may have
controls that determine what information we collect. For example, you can
modify permissions on your Android device for access to Camera or Audio
permissions.
2) You can
also request to remove content from our servers based on applicable law or by
writing to our Grievance Officer.
SECURITY PRECAUTIONS:
- The
Website/App intends to protect your personal information and to maintain its
accuracy as confirmed by you. We implement reasonable physical, administrative
and technical safeguards to help us protect your personal information from
unauthorized access, use and disclosure. For example, we encrypt all sensitive
personal information when we transmit such information over the internet. We
also require that our registered third party service providers protect such
information from unauthorized access, use and disclosure.
- Our
Platform has stringent security measures in place to protect the loss, misuse
and alteration of information under control. We endeavour to safeguard and
ensure the security of the information provided by you. We use Secure Sockets
Layers (SSL) based encryption, for the transmission of the information, which
is currently the required level of encryption in India as per the law.
- We blend
security at multiple steps within our products with the state of the art
technology to ensure our systems maintain strong security measures and the
overall data and privacy security design allow us to defend our systems ranging
from low hanging issue up to sophisticated attacks.
We work
hard to protect from unauthorized access, alteration, disclosure or destruction
of information we hold, including:
1) We use encryption to keep your data private
while in transit;
2) We offer security feature like an OTP
verification to help you protect your account;
3) We review our information collection, storage,
and processing practices, including physical security measures, to prevent
unauthorized access to our systems;
4) We restrict access to personal information to
our employees, contractors, and agents who need that information in order to
process it. Anyone with this access is subject to strict contractual
confidentiality obligations and may be disciplined or terminated if they fail
to meet these obligations.
5)
Compliance & Cooperation with Regulations and applicable laws;
6) We
regularly review this Privacy Policy and make sure that we process your
information in ways that comply with it.
7) Data
transfers:
- We or our affiliates maintain your information
on servers located in India. Data protection laws vary among countries, with
some providing more protection than others. We also comply with certain legal
frameworks relating to the transfer of data as mentioned and required under the
Information Technology Act, 2000.
- When we receive formal written complaints, we
respond by contacting the person who made the complaint. We work with the
appropriate regulatory authorities, including local data protection authorities,
to resolve any complaints regarding the transfer of your data that we cannot
resolve with you directly.
LINKS TO
OTHER SITES:
- Our
Website links to other websites that may collect personally identifiable
information about you. We are not responsible for the privacy practices or the
content of those linked websites. With this Policy we’re only addressing the
disclosure and use of data collected by Us. If You visit any websites through
the links on the Website, please ensure You go through the privacy policies of
each of those websites. Their data collection practices, and their policies
might be different from this Policy and We do not have control over any of
their policies neither do we have any liability in this regard.
YOUR CONSENT:
- By using the Website/App and/ or by providing
your information, you consent to the collection and use of the information you
disclose on the Website in accordance with this Privacy Policy, including but
not limited to Your consent for collecting, using, sharing and disclosing your
information as per this privacy policy.
- If we
decide to change our privacy policy, we will post those changes on this page so
that you are always aware of what information we collect, how we use it, and under
what circumstances we disclose it.
GRIEVANCE OFFICER:
- In
accordance with Information Technology Act 2000 and rules made there under, the
name and contact details of the Grievance Officer are provided below:
Additional information:
Customer Service Email: hptoolsmaster@gmail.com
Customer Service Hotline: 1800-585-6565 (Monday-
Friday, 8 a.m. to 11 p.m.)
Address: B M Apartment, Maroshi Road, Andheri
East, Mumbai - 400059 (Near Uttam Da Dhaba)
Area Andheri East
Bikram das
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