Kash Server ("we") places great importance on the privacy of our users ("you"), especially those who use our mobile application and related services (collectively referred to as the "App"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you engage with our App.

At Kash Server, we are committed to safeguarding your privacy rights and ensuring the security of your personal data. This Privacy Policy has been carefully crafted in accordance with the Information Technology Act of 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules of 2011.

We urge you to review this Privacy Policy thoroughly, as it governs the collection, retention, processing, and use of your personal information for lawful and legitimate purposes. If you disagree with any terms outlined in this policy, please refrain from accessing our application.

Your use of our platform implies your compliance with this policy, including all related policies, notices, guidelines, disclaimers, and terms and conditions that we communicate to you regularly. This policy is legally binding and holds the same significance as any written agreement.

We reserve the right to amend this policy as necessary. It is your responsibility to review this policy regularly to stay informed about our privacy practices.

INFORMATION COLLECTION

At Kash Server, we prioritize collecting personal information only when it is essential for delivering our services and enhancing user satisfaction. The types of information we gather include:

• 1.Personal Details: This includes your full name, address, date of birth, contact information, marital status, PAN number, primary bank account details, bank statements, income tax returns, pay slips, and other relevant information
• 2. Employment Information: We collect details about your employment status, including years of experience, income details, employer name and location, tenure, and other pertinent employment information
• 3. Credit Details: Information obtained from credit bureaus or other sources is used to assess your creditworthiness and determine eligibility for our services.
• 4. Know Your Customer (KYC) Data: Essential for identity verification and regulatory compliance, this includes Aadhaar, PAN, Voter ID, photographs, and other necessary details
• 5. Unique Identifiers: To customize your experience and ensure account security, we collect information such as your username, password, preferences, and transaction history
• 6. Additional Information: This refers to data mandated by relevant laws or regulatory authorities, such as the Reserve Bank of India, to fulfill legal and regulatory obligations

Furthermore, in addition to adhering to strict confidentiality and complying with relevant data protection laws, we may gather service-specific data, encompassing personal and business particulars, income tax details, marital and family status, bank statements, and KYC documents. This information may be obtained through various channels, including application forms, emails, printed forms, or digital mediums.

By consenting to our Privacy Policy during installation and clicking "Agree," you authorize us to upload your information to our servers. Be assured that we uphold stringent data confidentiality standards and guarantee the utmost security for your information.

Camera

In the Kash Server app, we might request your assistance to kickstart the onboarding process by guiding you through completing the KYC (Know Your Customer) procedure. This could involve providing necessary documents to verify your personal information, taking photos to create profiles, or uploading required documents for loan applications. Any camera data captured will be securely uploaded to our app server, https://api.kashservicesstech.com, and will be treated with utmost confidentiality. Rest assured, your data will not be used for any other purposes. You have the flexibility to revoke or re-authorize camera permissions at your convenience. Should you have any inquiries, feel free to reach out to our dedicated customer support team.

Device Information

Our application gathers and monitors a range of phone-related information, including hardware specifications, operating system details, serial numbers, user profiles, and mobile network data. This enables us to uniquely identify each device and safeguard against unauthorized access or actions on your behalf.

Location

To ensure smooth processing of your application and to make sure our services are accessible in your vicinity, we use location tracking. Rest assured, we only access your location when you're actively using the app, not when it's running in the background. Your privacy and security are of utmost importance to us.

CREDIT ASSESSMENT AUTHORIZATION

I, as a customer, hereby authorize Kash Server PRIVATE LIMITED to access my credit data from credit bureaus, including Experian/CIBIL/Equifax/CRIF, etc., for the purpose of evaluating my eligibility

DISCLOSURE OF INFORMATION

You hereby provide explicit consent to the disclosure of your information (including SPD & I) by Us to our Affiliates, employees and to third parties as per the terms of this Policy. You provide us explicit consent to share Your information with third parties only in such manner and for the purposes as described below:

• We may disclose Your information to other financial service providers, banks or NBFCs and Our third-party partners and service providers for providing the Services and offering the Products as detailed under the Terms & Conditions;
• We might share product details and your information with third-party partners and service providers to conduct data analysis, improve services, analyze your platform usage, and provide better service
• We could also share your information with third-party service providers for fraud detection, risk assessment, and promotional tele-messages and emails
• We collaborate with third-party advertising networks, publishers, and non-affiliated entities to advertise our products and services on platforms. We will share your provided information solely for the purpose of assisting us in advertising efforts
• We might disclose your information if compelled to do so by legal obligations, governmental orders, statutory authority, or to enforce our terms of use. This includes exchanging information with other companies and organizations to safeguard against fraud and credit risk
• We may share your information with third parties under confidentiality agreements for providing services. Such agreements restrict third parties from further disclosing the information except for purposes detailed in that confidentiality agreement. However, we are not accountable for security breaches or actions of third parties receiving your personal information. We will retain and use your information for periods necessary to fulfill legal obligations, settle disputes, and enforce agreements.

STORAGE AND SECURITY OF INFORMATION

Your personal data, including information from your device, is stored and processed on secure cloud servers, such as Amazon Cloud Servers, and other reliable cloud service providers. All information, whether directly provided by you or through your device, is safeguarded by us. We employ multiple security measures such as firewalls, SSL data encryption, and access authorization controls to ensure the security of the information and data you provide. We adopt reasonable security practices and procedures mandated by applicable laws to protect your information. Information you provide may be stored on secure servers within India

However, it's important to acknowledge that data transmission over the internet may not be entirely secure. Any information transmitted to us is at your own risk. We assume no liability for information disclosure due to transmission errors, unauthorized third-party access, or other acts beyond our control. You are not entitled to hold the Company liable for security breaches.

INFORMATION SECURITY

We commit to employing proven security test devices to protect personal information acquired according to this Privacy Policy. However, we cannot guarantee the confidentiality of your information in the event that other parties illegally acquire and misuse it. We will exert every effort to prevent unauthorized access to your personal information and report such incidents to competent authorities.

COOKIE USAGE

Cookies are small files automatically generated on your computer equipment to assist in identifying and monitoring your internet connection, thereby enhancing access to our services. They aid in understanding your preferences and past content interactions. Upon revisiting our website, Cookies personalize the content to suit your needs. It's important to note that Cookies do not store personal user information, and all data within our Cookies is encrypted and inaccessible to other websites. Even if you initially accept Cookies, you have the option to reject their activation in your browser settings

APPLICABLE LAW AND DISPUTE RESOLUTION

This Policy is governed by the laws of the Republic of India and shall be interpreted in accordance with them. Any disputes arising from or relating to this Policy shall be exclusively under the jurisdiction of the courts in Rajkot, India

Withdrawal of Consent

Upon receiving a request to withdraw consent, we will promptly cease processing your personal data as required by applicable law. Please note that withdrawing your consent does not affect the lawfulness of processing based on consent before its withdrawal.

Please be aware that if you choose to withdraw your consent, certain services or features may no longer be available to you. We will inform you of any consequences related to the withdrawal of consent at the time of your request.

Account Deletion

You have the right to delete your account and associated personal information from our platform at any time. To initiate the account deletion process, please contact us using the contact details provided in this Privacy Policy. Once we receive your request, we will promptly delete your account and personal data, unless we are legally required or entitled to retain certain information

Contact Information

Please note that when using or accessing the Platform, we are required to comply exclusively with Indian local laws, which may not necessarily align with the laws of your region. If you need information or clarification regarding the use of your personal information or this Privacy Policy, feel free to contact us at kash-server@outlook.com

By maintaining transparency and adhering to these practices, we strive to uphold your trust and ensure your privacy rights are respected