Privacy Policy

How Cashmela protects your personal and financial information

Last Updated: April 2026 | Effective From: April 9, 2026

Table of Contents

1. Information We Collect

Cashmela collects information from you in several ways to provide our services effectively and securely:

A. Information You Provide Directly

  • Personal Information: Name, email address, phone number, date of birth, gender
  • Address Information: Current address, permanent address, state, city, PIN code
  • Identification Documents: PAN (Permanent Account Number), Aadhaar, voter ID, driver's license
  • Employment Information: Employer name, designation, employment type, years of experience
  • Financial Information: Monthly income, annual income, existing loans, EMIs, credit card details, assets, liabilities
  • Bank Details: Account number, IFSC code, bank name

B. Information Collected Automatically

  • Device & Technical Data: Device type, browser, operating system, IP address, and submission timestamps (specifically recorded during form submissions)
  • Usage Data: Pages visited, time spent, clicks, search queries
  • Cookies & Pixels: Tracking technologies to understand your behavior
  • Location Data: General location based on IP address (not precise)

2. How We Use Your Information

We use your information for legitimate business purposes:

Loan Processing & Matching

Evaluate your eligibility, compare loan products, match with suitable lenders, and share your application with lending partners

Communication

Send application updates, loan status, verification requests, and customer support messages

Service Improvement

Analyze user behavior, identify trends, improve features, and enhance your experience

Research & Analytics

Conduct market research, generate anonymized reports, and understand industry trends

Marketing & Personalization

Send promotional offers, personalize content, and display relevant products (only if you consent)

Legal & Compliance

Comply with RBI, tax, and other regulatory requirements, prevent fraud, and maintain records

Security & Fraud Prevention

Record IP addresses and timestamps upon form submissions to prevent spam, unauthorized access, and misuse of our platform

3. Data Sharing & Third Parties

Cashmela respects your privacy and limits data sharing:

Who We Share Data With:

  • Partner Lenders: Banks and NBFCs for loan processing and eligibility assessment (with your consent)
  • Service Providers: Payment processors, analytics providers, hosting providers (all bound by NDAs)
  • Credit Bureaus: CIBIL, Experian, Equifax for credit report retrieval (if authorized)
  • Legal Authorities: When required by law or court orders

Who We DO NOT Share Data With:

  • We do NOT sell your personal information to third parties
  • We do NOT share data with unrelated companies for marketing
  • We do NOT rent or lease your contact information
  • We do NOT share financial details with unauthorized parties

4. Data Retention

We retain your data as long as necessary to provide our services and comply with legal obligations:

  • Active Applications: Retained while your application is in progress
  • Loan Records: Retained for 7 years for regulatory compliance
  • Marketing Lists: Retained until you opt-out or for 2 years from last interaction
  • Tax Records: Retained for 7 years per Indian taxation laws
  • User Accounts: Deleted upon request (subject to legal holds)

5. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience. Please refer to our Cookie Policy for complete details about:

  • Types of cookies we use (functional, analytical, marketing)
  • How to control and manage your cookie preferences
  • Third-party tracking tools and services

6. Data Security Measures

Cashmela implements comprehensive security measures to protect your information:

Technical Security

  • • 256-bit SSL encryption
  • • Secure firewalls
  • • Regular security audits
  • • Multi-factor authentication

Operational Security

  • • Role-based access control
  • • Employee training & NDAs
  • • Data backup procedures
  • • Incident response plans

Note: While we use industry-standard security, no system is 100% secure. We're committed to resolving any security issues promptly.

7. Your Privacy Rights

You have the following rights regarding your personal data:

  • ✓
    Right to AccessRequest a copy of your data that we hold
  • ✓
    Right to CorrectionCorrect or update inaccurate information
  • ✓
    Right to DeletionRequest deletion of your data (subject to legal holds)
  • ✓
    Right to Opt-OutOpt-out of marketing communications anytime
  • ✓
    Right to PortabilityReceive your data in a structured, portable format

To exercise any of these rights, contact us at info@cashmela.com. We'll respond within 30 days.

8. Third-Party Services & Links

Cashmela may contain links to third-party websites. We are not responsible for:

  • Privacy practices of external websites
  • Content or practices of third parties
  • Security of third-party platforms

When you click third-party links, you leave Cashmela and enter their privacy environments. We recommend reviewing their privacy policies before sharing information.

9. Children's Privacy

Cashmela is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover we've collected data from a minor without parental consent, we'll delete it immediately.

10. International Transfers

Your data may be transferred to and processed in countries other than India. We ensure appropriate safeguards and comply with data transfer regulations.

11. Changes to Privacy Policy

We may update this Privacy Policy periodically. The "Last Updated" date will reflect any changes. Significant changes will be communicated via email or site notice. Your continued use indicates acceptance.

Contact Us - Data Protection

For questions about privacy or to exercise your rights:

Regulatory Compliance: Cashmela complies with RBI regulations, IT Rules, NPCI guidelines, and applicable data protection laws. For complaints to regulatory bodies, visit www.rbi.org.in or contact your nearest consumer forum.

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