Aeries Financial Technology Private Limited (“us”, “we”, or “AFT” or “Company”) is the exclusive licensee in Indian Territory of the internet resource www.cashe.co.in as well as the CASHe mobile application platform and any other application or software run under the brand name “CASHe”. Whereas CASHe is owned by TSLC PTE Ltd, a Singapore based company, which has licensed CASHe mobile application to AFT for perpetual and exclusive use in India. In turn AFT has sublicensed CASHe mobile application to its wholly owned subsidiary, Bhanix Finance and Investment Limited (herein after referred to ‘Bhanix’ or ‘Lender’), which is a RBI registered NBFC. All loans that are disbursed through the CASHe application are underwritten by Bhanix. The CASHe application and software whether run through the internet resource www.cashe.co.in or through the CASHe mobile application or on any other media platform shall hereinafter be referred to as the “App/Application” or “CASHe”.
Bhanix is responsible for the Loan and other facilities provided through the App. You acknowledge that Bhanix and not AFT would be responsible for the contents displayed on the App, loan and other facilities offered. CASHe reserves the right in its sole discretion to remove any content or data, information or material (“User Content”) from the App from time to time.
The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted under applicable law.
For the purpose of Credit Risk Assessment, we need the following Permissions from you.
Phone Permission: Collect and monitor specific information about your device including your hardware model, operating system and version, unique device identifiers like IMEI and serial number, user profile information and mobile network information to uniquely identify the devices and ensure that unauthorized devices are not able to act on your behalf to prevent frauds.
Location Permission: Collect and monitor information about the location of your device to do risk assessment for credit scoring.
SMS Permission: We collect and monitor only your bank related financial transaction SMSes, names of transacting parties, transaction description and amount to perform a credit risk assessment. This helps us make faster credit disbursals. No personal SMS data is collected, read or stored.
Apps Permission: Collect and monitor list of installed apps in your device for credit profile enrichment Accounts Permissions Collect and monitor list of accounts in your device for credit profile enrichment
You will register with us using your Facebook or LinkedIn account or Google identity (“Third party sites”). You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your CASHe proﬁle. However, we will not be liable under any circumstance for the generation of your proﬁle or the information you provide therein. CASHe will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof. We will ask for your bank account details only for the Service.
Protection of your privacy and your data security is a top priority at CASHe. We encrypt your data and store it in multiple databases. There are security group and firewall checks to control the APIs with multi-level authentication, authorisation and verifications.
Please note that we always ask for your permission before accessing the information on your phone. We collect and monitor only your bank related financial transaction SMS, names of transacting parties, transaction description and amount to perform a credit risk assessment. No personal SMS data is collected, read or stored. All information requested is relevant to create a credit score which helps us make faster credit disbursals and better credit limits. You may choose not to provide the information requested. However, your credit score may be inaccurate or unavailable for your application as a result.
Data / Cookies
You can access your personal identity details on our App through your login and password. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server that only selected personnel contractors and authorised Agencies have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.
However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.
Privacy Policies of Third Party Websites
You also permit us to retrieve your personal, public proﬁle and friend list/ contact list from your Facebook or LinkedIn account or Google identity, in case you are using our internet resource www.cashe.co.in and your phone / address book, SMS, geo location and installed apps in case you are using our CASHe mobile application.
Any personal information will be used but not limited to allow you to login to your account or to resolve speciﬁc service issues, inform you of our new services or features, or for call centre veriﬁcation, or to communicate with you in relation to your use of the App. Any other information we collect will be used for-
- Our business purposes and this may include the viewing or advertising of services or relating to any associated services;
- Analytical purposes, data usage;
- Improving the Application, or your user experience; and
- Providing targeted advertisements to you.
For those Users who have registered for the mailing list, their personal information is kept until we are notified that they no longer want their information stored.
Persons who supply us with their telephone numbers may receive communication from us via telephone, text message or emails, pertaining exclusively to new services or any upcoming events. If you do not wish to be on our mailing list, you can let us know of your updated preferences by either emailing us at firstname.lastname@example.org or choosing “unsubscribe” option.
In order to provide and improve our Services and to share relevant ads with you, we use and disclose to our advertising and analytics partners non-personally identifiable information that we collect, including cookie data, some log data, and mobile data.
Our App complies fully with all the applicable and relevant laws of India.
- Third party advertisers;
- Protection of App: We release personal information when we believe, release is appropriate to comply with the law; enforce or apply our User Terms and Conditions and other agreements; or protect the rights, property or safety of App, our users or others. This includes exchanging information with other companies, organizations, government or regulatory authorities for fraud protection and credit risk reduction.
- If you are no longer interested in sharing your Personal and Sensitive Information, please e-mail your request at: email@example.com. Please note that it may take about 72 business hours to process your request.
- To the Government and other judicial bodies as required under the law in order to comply with the legal obligations (without the prior permission of customers).
- CASHe website shall also contains links to the other websites. Customers are requested to go through the respective privacy polices disclosed under the relevant sites to familiarize themselves.
The Accuracy and Confidentiality of your Account Information is your Responsibility: You are responsible for maintaining the secrecy and accuracy of your password, email address, and other account information at all times. We recommend a strong password that you do not use with other services. We are not responsible for personal data transmitted to a third party as a result of an incorrect email address.
Confidentiality and Security: We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us.
We make all User information accessible to our employees, agents or partners and third parties only on a need-to-know basis, and bind all such employees to strict confidentiality obligations Notwithstanding the above, We are not responsible for the confidentiality, security or distribution of your personal information by our partners and third parties outside the scope of our agreement with such partners and third parties. Further, We shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of CashE including, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc. Please be aware that you can opt out of receiving service messages from us.
If you have any questions or suggestions or wish to make a complaint you can contact us at firstname.lastname@example.org or write to us at the following address:
BHANIX FINANCE AND INVESTMENT LTD
5th Floor, Paville House, Twin Towers Lane,
Off Veer Savarkar Marg, Prabhadevi,
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