CashKr Privacy Policy - Protecting Your Data and Privacy

1. Who We Are

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

2. What is this Privacy Notice?

This privacy notice (together with our Terms and Conditions) sets out our practices regarding the collection, use, sharing, and protection of your personal data in connection with your use of the Platform. Please read it carefully. This Statement applies to Personal Data processed by Cashkr when you:

• Visit this website ( www.cashkr.com ) and/or any other Cashkr websites that reference or link to this Statement (collectively, “Website”).
• Visit Cashkr's social websites.
• Interact with content you post on our social websites.
• Communicate with us through phone calls, emails, or other electronic messages.

3. Data We Collect

We collect various types of personal data from you, including but not limited to:

• Personal Information: Name, communication details (email/contact details), device details, and IMEI.
• Account Information: Information you provide when creating an account, such as login credentials and preferences.
• Communication Data: Information from your communications with Cashkr personnel.
• Usage Data: Information from our services and website, collected automatically through technologies like cookies and web beacons.
• Survey and Feedback Data: Information from surveys, feedback forms, and publicly available sources such as social media profiles.

4. How We Collect Data

We collect data:

• Directly from You: Through forms you complete, products or services you access, and other interactions.
• Indirectly from You: Through the use of our services, examining your actions on the website, and account access.
• From Other Sources: Such as vendors, publicly available sources, internet sites, commercially available marketing lists, service providers, data suppliers, registries, telephone directories, news outlets, and social networks (e.g., LinkedIn).

5. Use of Personal Data

Cashkr uses your Personal Data for the following purposes:

• Compliance with Laws: To comply with applicable laws or regulations.
• Consent: With your permission, for specific purposes which require consent under applicable law.
• Legitimate Interests: For our legitimate business interests, including improving our services, marketing, and developing new offerings.
• Contractual Obligations: To fulfill our contractual obligations to you.
• Service Management: To manage our Website and provide our services.
• User Registration: To create and manage your account, provide technical support, and send necessary account information.
• Support Requests: To fulfill requests and communicate with you.
• Website and Service Security: To ensure compliance and security of our website and services.
• Marketing Communications: To send you marketing information and advertisements, where permitted by law.
• Developing Offerings: To analyze usage trends and improve our offerings.
• Payments: To process payments and complete transactions.

6. Legal Basis for Processing Personal Data

Cashkr 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.

7. Managing Our Website and Providing Services

Personal Data is processed to deliver our contractual obligations, wherever relevant. In the circumstances where 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).

8. User Registration

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

9. Support Requests

If you request that Cashkr contacts you concerning any product queries or reach us by any means 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.

10. Functionality, Compliance & Security of Website and Services

We process your Personal Data to evaluate compliance with 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 or Services, verify accounts and activity, and implement our terms and policies.

11. Marketing Communications (Advertisement)

Our legitimate 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 Personal 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.

12. 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 directly process your Data for such improvement by directly seeking your input (for example, through feedback surveys).

13. Payments

In cases where you have presented your financial information to us, Cashkr will process your Personal Data to validate such information and collect/process payments solely as required to complete a transaction and fulfill our contractual responsibilities.

14. Legal and Compliance

We may be required to process Personal Data for legal and compliance purposes, which 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.

15. 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 details 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 information about our use of this type of technology in our Cookies Policy.

16. Data Analytics

Cashkr 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 Cashkr with such analysis and developments.

17. Mergers or Acquisitions

In case of a merger, consolidation, acquisition, corporate divestiture, change of control, or dissolution where we sell all or a part of our company or assets, we will disclose 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 changes to an unaffiliated third party under applicable laws.

18. Public Forums

If a part of the Website or Cashkr-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 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.

19. Friends/Acquaintances

Please bear in mind that Cashkr 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 support@cashkr.com.

If we are unable to remove your personal information, in some cases, we will let you know why we may not be able to. We may also provide a feature enabling you to invite or refer a friend to join Cashkr 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 support@cashkr.com to remove their information from our database.

20. Compliance with 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.

21. 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 legitimate interests to collect and process your personal data, such as to provide and enhance our services, ensure the security of our platform, and engage in marketing activities. We will always balance our interests against your rights and freedoms before processing your data under this basis.
• Contractual Necessity: We process your data to fulfill our contractual obligations to you, such as providing access to our platform and services.
• Consent: We will rely on your consent to process your data for specific purposes, such as sending you promotional offers. You have the right to withdraw consent at any time.
• Legal Obligations: We process your data to comply with legal obligations, such as tax and accounting requirements or responding to lawful requests from authorities.

22. Retention Period

Our retention periods for personal data are based on business needs and legal requirements. We retain personal data for as long as necessary to fulfill the purposes for which it was collected and any other permissible, related purposes. When personal data is no longer needed, we anonymize or securely delete it.

• Transactional Data: Retained for the duration required by law.
• Account Information: Retained until you close your account or request deletion.
• Marketing Data: Retained until you opt-out of receiving marketing communications.

23. Your Rights

You have several rights under data protection laws regarding your personal data. You can exercise these rights by contacting us at the details provided below. We will respond to your requests within 45 days from the date of receipt.

• Access: You have the right to access the personal data we hold about you.
• Rectification: You can request corrections to any inaccurate or incomplete data.
• Erasure: You have the right to request the deletion of your data under certain conditions.
• Restriction: You can ask us to restrict the processing of your data in specific circumstances.
• Portability: You can request to receive your data in a structured, commonly used format and have the right to transmit it to another controller.
• Objection: You can object to our processing of your data, including for direct marketing purposes.
• Withdrawal of Consent: If we process your data based on consent, you have the right to withdraw it at any time.

24. Information Update

Keeping your information accurate and up-to-date is very important. Please inform us of any changes to your personal data by updating your profile on the Platform or contacting us as outlined below. Providing incorrect or misleading information or using someone else's data to access our services may result in termination of access and legal action.

25. Service Communications

We may communicate with you regarding transactions or inquiries you have initiated with us. These communications are necessary for providing our services and managing your account.

26. Modifications to Privacy Notice

We may update this privacy notice periodically to reflect changes in our practices or applicable laws. When we make significant changes, we will notify you through our website or other means. We encourage you to review this notice regularly to stay informed about how we protect your personal data.

27. Questions and Complaints

If you have any questions or comments regarding this privacy notice or our data handling practices, please contact us at support@cashkr.com. If you are not satisfied with our response, you can also lodge a complaint with the appropriate supervisory authority.

28. Contact Us

For any questions about this policy or your personal data, please contact us at:

Effective Date

This Privacy Policy is effective immediately upon publication.

Governing Law

This policy shall be governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000 and related regulations.