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Privacy Policy

Who we are?

Cashkar India, a company, having its registered office at Chakala Road, Andheri-E, Mumbai 400099, India. We take the security of your personal data very seriously and are dedicated to protecting and valuing the privacy of the users ("you" or your") of our Cashkar Website.

What is this privacy notice?

We may handle your personal data in connection with your use of the Platform. This privacy notice (together with our Terms and Conditions) set out, for the Platform, our collection and sharing practices, the uses to which personal data is put, the ways in which we protect it in accordance with the data protection laws and your privacy rights. Please read it carefully. This Statement applies Personal Data processed by Cashkar when you:

  • Visit this website (www.Cashkar.in) and/or any other CASHKAR website(s) which reference or link to this Statement (collectively, “Website”).
  • Visit CASHKAR's social websites.
  • Content you post on our social websites.
  • Communications from us, including phone calls, emails, or other electronic messages; or Data we collect.
  • Name, Communication details (Email / Contact Details), Device Details, IMEI.

    We collect some information straight from you via forms you complete or products or services you access, download, or otherwise obtain). Such information is generally limited to:

  • Your communications with CASHKAR personnel.
  • Information you give when you create your account, log-in credentials, and information about your Services' use and preferences.Other information is obtained indirectly from you via the use of our Services (for example, from examining your actions on the Website or providing you with account access).
  • Information you give when you subscribe to SMS services.
  • Information you give on the Website, such as online surveys, or feedback forms.
  • Such information is generally limited to:

    Information regarding usage of the Website or Services via weblogs obtained automatically and passively applying various technologies, which generally will not individually identify you or others. Examples may include Device details, browser types, IP addresses, domains, and other anonymous statistical Data concerning aggregate's practice. We may also collect your Personal Data via other sources such as vendors, publicly available sources or internet sites, commercially available marketing lists, service providers and data suppliers, registries, telephone directories, news outlets and related media, social network (such as LinkedIn). Such Personal Data obtained via these sources is limited to business contact information, IP addresses, such as names, contact information, job titles, LinkedIn, and other social media profiles.

    Use of Personal Data

    CASHKAR uses your Personal Data when:

  • It is necessary to comply with appropriate laws or regulations.
  • We have your permission (where needed under applicable law) to use your data (where we rely on your permission, you have the right to withdraw permission by reaching us as set forth below).
  • We have a valid business interest to process such Personal Data.
  • It is needed to perform our obligations or practice our contractual rights.
  • Such legal reasons are classified for the following typical cases: Managing our Website and Providing Services:

    Personal Data is prepared to deliver our contractual obligations, wherever relevant. In the circumstances wherever we have not entered into a deal with you, such processing is based on our legitimate interest to run and develop our company, manage and control the Website, provide and expand the Services, and to present requested content (for example, when you request a quote on our website).

    User Registration: Under our contractual obligations or legitimate interest to provide Services, when you register for an account with CASHKAR, we process your Personal Data as required to record and manage your account, give technical and consumer support and training, verify your identity, and send necessary account, and Services data.

    Support Requests: If you request that CASHKAR contacts you concerning any product queries or reach us by any medians open online.Your Personal Data is processed if essential for our legitimate interest in fulfilling your requests and communicating with you, or as required by contractual responsibilities.

    Functionality, Compliance & Security of Website and Services:We process your Personal Data to evaluate compliance with the appropriate usage for our legitimate interests in ensuring adherence to applicable terms. Personal Data is also processed by tracking the website and services' use to perform our contractual obligations, where appropriate, to provide a secure and useful experience. In cases where we have not entered into a contract with you, such processing is based on our legitimate interest in improving the security and safety of the services, Website, applications and systems, and in protecting our rights and the rights of others, whereby we reserve the right to examine, review and report any efforts to breach the security of the Website either Services, verify accounts and activity, and implement our terms and policies.

    Marketing Communications (Advertisement):Our rightful business interest is to improve our Website and Services, grow our company, and promote our offerings via direct marketing or providing personalized content ads. As such we will process your Individual Data by sending specific marketing information and additional communications only as necessary to consider such legitimate interests, or, if appropriate, to the extent you have granted your prior consent.

    Developing Website and Services (Developing Offerings):We process your Personal Data to examine usage, trends, and interactions with the Website and Services to the extent essential for our legitimate interest in improving the Website and Services, developing new offerings and providing individuals with tailor-made content to personalize your experience with our offerings, in certain instances, we will straight process your Data for such improvement by directly seeking your input. (for example, through feedback surveys).

    Payments:In the cases where you have presented your financial information to us, CASHKAR will process your Personal Data to validate such information and collect/process payments solely as required to complete a transaction and fulfil our contractual responsibilities. If Contractual Obligations, We may be asked to process Personal Data for legal and compliance purposes, we believe to be necessary or relevant under applicable law. Such processing may be needed to:

  • Protect our rights, safety, privacy, or property, or those of other persons.
  • Support our terms of service or other terms and conditions.
  • Respond to inquiries from courts, regulatory agencies, law enforcement agencies, and other public and government authorities.
  • Tracking users use of the Platform: We use various tools, and collect different information, to assess how you use and interact with the Platform, including information about your visits, such as your IP address, details of your computer, device Identity (model/serial no), browser detail and location, connections, or some information that we may obtain through the use of cookies, network beacons/gifts, and Behavioural targeting or re-targeting. In most cases, this Data will be managed automatically. You can find more further information about our use of this type of technology in our Cookies Policy.

    Disclosure of your Information:CASHKAR may share Personal Data as follows: When necessary to provide the Services, conduct our business transactions, or when we believe that relevant law permits or demands disclosure, we may share Personal Data with, including entities which provide for hosting and payment processing, contracted service providers, system administration, data enrichment, analytics, marketing, or client support, to the extent required and following the legal bases set forth above. These service providers only receive Personal Data needed to fulfil the services they provide to CASHKAR. Under no conditions are such service providers allowed to use collected Personal Data for any objective other than to give CASHKAR the indicated services.

    Data Analytics: CASHKAR may use anonymous, aggregated utilization data for typical business operations (for example, Governance reporting). We may also share non-personal, anonymized, and statistical data with third parties to help CASHKAR with such analysis and developments.

    Mergers or Acquisitions: In case of a merger, consolidation, acquisition, corporate divestiture, change of control or dissolution wherever we sell all or a part of our company or assets, we will reveal the privacy policies of acquiring entities or will direct specific Personal Data and such information. We shall use reasonable efforts to notify you about any Personal Data change to an unaffiliated third party under applicable laws.

    Public Forums: If a part of the Website or CASHKAR branded social sites authorize public forum posting, the Personal Data you choose to share, post, upload, or make publicly open might be visible to others. You should never post or transmit any confidential or about other information unless you have permission to do so. Information given by you may be used to personalize your experience and to make content suggestions.

    Friends/Acquaintances: Please bear in mind that Cashkar cannot control what your friends or acquaintances do with the information you share with them. Once displayed on publicly-viewable web pages, data & information you share can be obtained and used by others. To request the exclusion of your personal information from our community forum or blog, please contact us at info@Cashkar.in.

    If we are unable to remove your personal information, In some cases, we will let you know as so why we may not be able to. We may also provide a feature enabling you to invite or refer a friend to join Cashkar or avail its services. If you give a friend's email address to us for this reason, we will use that email address only to send a one-time invitation to your friend. Your friend may reach us at info@Cashkar.in to remove their information from our database.

    Compliance with a legal obligation: We are authorized to process your personal data, where it is necessary for compliance with our legal necessities. For legitimate claims, we are allowed to process your personal data wherever necessary to pursue, establish or defend a legal claim.

    Using your Data according to Data Protection Law: Data Protection Law claims that we meet specific requirements before using your personal data in the way defined in this privacy notice.We will rely on one of the below conditions to use your data, depending on the activities we are carrying out:

    Legitimate interests: It is in our legal interests to collect your personal data. It provides us with the knowledge that we need to deliver our services and make our Platform free. This requires us to give out a balancing analysis of our interests in using your personal data (for example, to grant access to the Platform and ensure no fraudulent activity is carried over our Platform), against the interests you have as a resident and the rights you have under Data Protection Law (for example, not to hold your personal data sold to third party marketing businesses without awareness). The result of this balancing test will decide if we may use your personal data in the processes defined in this privacy notice. We will always act reasonably and give proper consideration of your interests in taking on this balancing test.We are authorized to hold and process some of your personal data because it is needed to provide you access to and enable you to use the Platform and give you the services we have agreed to provide. We cannot offer you access to the Platform without this personal data.

    We are authorized to hold and process some of your personal data because it is needed to provide you access to and enable you to use the Platform and give you the services we have agreed to provide. We cannot offer you access to the Platform without this personal data.

    Consent: We may provide you with promotional offers associated with our services where you have registered your permission for us to do so (to the extent that we are required to obtain consent under Data Protection Laws). We may contact you by email, phone, mail or electronic notifications (where you have agreed to those communication methods) to provide you information on your requested product or service. You may modify your marketing preferences at any time by reaching us as set out in section 14 below.

    Protection Laws: To manage your personal data for any other purpose is not covered in this privacy notice. We will let you know concerning any proposed new purposes before using your personal data in this way.

    Retention Period: Our retention periods for personal data is based on business necessities and legal demands. We hold personal data for as long as required for the processing purpose(s) for which the data was gathered, and any additional permissible, related purpose.

    We usually keep your data for as long as required to:

  • to prove that you were treated fairly.
  • to respond to any questions or complaints.
  • to support records according to rules that apply to us.
  • to demonstrate compliance with our regulatory responsibilities.
  • We will also hold your data for as long as required for regulatory, legal, or technical purposes (such as where data has to be held concerning historical support claims). We may also keep it for analysis or statistical purposes. We assure you that your privacy is protected and only use it for those purposes. To the extent your current or potential business has guided us to process your personal data on their part, we will hold data in accordance with their instructions.

    Your Employer: If You are an authorized user of the Services or have registered for CASHKAR Services using your corporate email address, we may share Personal Data with your business to the extent this is needed to provide you with access, to verify accounts and, investigate activities, or enforce our terms and policies.

    Location of Processing: Cashkar is located in and operates from Mumbai, India. We host our Services and process your Data in Nepal. Yet, it is possible that some of the service providers referenced above may process Personal Data outside your jurisdiction, and in nations that are not subject to an adequacy decision by the European. We assure that the data remains to be protected anywhere it is located consistently with the measures of protection required under applicable law, for example by entering into the back-to-back formal agreements and, if required, standard contractual conditions for the removal of data as approved by the European Commission (Art. 46 GDPR). Commission or your provincial legislature and/or regulator may not provide the same data protection level as your jurisdiction.

    Minors: CASHKAR's Services are only intended for business clients and customers and are not aimed at minors. Sale on the Platform is open only to somebody who can form lawfully binding agreements under the Indian Contract Act, 1872. Somebody who is "unqualified to contract" within the meaning of the Indian Contract Act, 1872, including un-discharged insolvents etc., cannot use the Platform. Suppose you are a minor, i.e. under the age of 18. In that case, you may use the Program or access service content on the Platform only under the supervision and permission/ approval of a parent or guardian. We do not intentionally collect Personal Data from minors under the age of 18. If you believe your child has provided us with Personal Data without your permission, please reach us as set out in section 14, and we will take steps to remove such Personal Data from our database & systems.

    Substantial Public Interest: We are authorized to process your data wherever it is required for reasons of valuable public interest, based on Data.

    Security of personal information: There is limited access to your personal data to those employees of ours, our affiliates, and third-party service providers who honestly need it to provide services. All information you present to us is stored on our or provider's secure servers and obtained and used subject to our safety policies and standards. We have given OTP based access to your account. Please keep this OTP confidential and not share it with anyone else, including anyone who works for us. We have achieved commercially reasonable electronic, physical, procedural, administrative, and technological safeguards in a way that complies with the safety requirements of data protection laws to preserve your data, located in the countries where we are based from any illegal access. However, as effective as our safety measures are, no protection system is firm. We cannot ensure these systems' security, nor can we guarantee that data provided by you or on your behalf cannot be hindered while being used over the web.

    Ways we may contact you.

    Marketing communications and newsletters: If we have your consent, we may send you materials we believe may interest you, such as new offers and updates on Cashkar. Depending on your marketing choices, by email or SMS. You can choose whether or not to receive these emails at any point time, and you may control your acceptance of the same by unsubscribing using the equivalent link at the end of some emails, or you can reach us at info@Cashkar.in

    Customer Feedback: We may contact you sometimes for your valuable feedback related to service and your transaction/experience and with Cashkar.

    Responding to your inquiries or complaints: If you have raised an inquiry or a grievance with us, we may reach you to resolve your complaint or clarify your query.

    Rights and Responsibilities with respect to your Data: You have several rights under data protection laws regarding the way we process your personal data. These are set out below. Using the articles in section 14 below, you may contact us to use any of these rights. We will answer to any request received from you within 45 days from requested date

    Classification OF RIGHTS

  • A right to access personal data maintained by us about you.
  • A right to require us to revise any incorrect personal data held by us about you.
  • A right to request us to delete personal data managed by us about you. This right will only apply wherever (for example): we no longer require to use your personal data to fulfil the purpose we collected it for; or where you revoke your permission (only if we are handling your personal data based on your consent); or where you oppose to the way we manage your personal data (in line with Right 6 below).
  • The right to collect personal data, which you have granted to us, in a structured, generally used, and computer-readable format. You also have the right to demand us to transfer this personal data to a different company, at your demand.
  • A right to limit our processing of personal data managed by us about you. This right will only apply wherever (for example): you discuss the accuracy of the individual data collected by us or wherever you would have the right to ask us to delete the personal data, but it's better our processing is limited instead, or where we no longer need to use the personal data to fulfil the purpose we collected it for, but you need the data for dealing with legal claims.
  • A right to oppose our processing of your personal data (including sending promotional messages to you).
  • A right to remove your permission, wherever we rely on it to use your personal data (for example, sending you promotional messages about our services). If you revoke your consent, we may not provide some products or services to you.
  • Above rights are subject to certain exceptions to safeguard the common public interest (e.g., the prevention or detection of criminal activities) and our interests (e.g., preserving legal privilege).

    Information Update: Keeping your information updated and accurate is very important. Incorrect or incomplete information could weaken our ability to perform relevant services to you. We wish to use reasonable efforts to confirm that your Personal Data is correct. To help us with this, you should inform us of any corrections to your information by keeping your profile up-to-date on the Platform (website/app) or reaching us as set out in section 14. Purposely giving incorrect or misleading information or using an email address or personal data of another person's or entity to obtain any products or services through the Platform wrongly, shall lead to access termination to the Platform and may result in lawful actions.

    Service communications: We interact with you concerning the Transaction that you have initiated with us.

    Modifications to Privacy Notice: We may change the Platform's content and how we use cookies. Consequently, this privacy declaration and our cookies notice and any additional document to which they apply are subject to revision at any point of time. If we perform material updates to this privacy notice, we will update the date it was last changed and will indicate in the document. We make any changes to this privacy notice immediately when we post the Platform's revised privacy notice. We recommend that you examine this privacy notice frequently for changes. This privacy notice was last updated on 10th Jan 2021. Questions Concerning this Statement and Your Information If you have any questions or comments concerning this Statement or your information, please contact us at info@Cashkar.in

    How to complain: Suppose you are unhappy with using your personal data or are not satisfied with managing any request by you concerning your rights. You can tell us on the above contact details. You can also complain to the appropriate supervisory authority.

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