B-715 Sector 62 Noida 201301
This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable. This electronic record is generated by a computer/electronic system and does notrequire any physical or digital signatures
Cashinmoney Service private Limited Computerized Administrations Private Restricted ("Organization"/"Us"/"We"/"Our") believes Userrelationship and information security to be a significant part of their administration offerings("Services") through Our Site and Stage (as characterized underneath). We are committed tomaintaining the secrecy, respectability and security of any private data of our Users.We are glad for our security rehearses and the strength of our Foundation and Site securityand believe you should know how We safeguard your data and use it to give you Services.This Information Protection and Security Strategy ("Strategy") empowers us guard against fraud andprovide security for Client profiles and value-based history. We continually reexamine thisPolicy and adjust it to satisfy information security guidelines and to manage new difficulties.
In this Policy: (i) capitalised terms defined by inclusion in quotations and / or parenthesis havethe meanings so ascribed; and (ii) the following terms shall have the following meaningsassigned to them herein below :
“Applicable Law” includes all applicable Indian statutes, enactments, acts of the statelegislature or parliament, laws, ordinances, rules, bye-laws, regulations, notifications,guidelines, directions, directives and orders of any governmental authority, statutory authority,board, recognised stock exchange, as may be applicable including but not limited to Guidelineson Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks, BusinessCorrespondent Guidelines issued by RBI from time to time, Payment & Settlement Systems Act,2007, Payment & Settlement Systems Regulations, 2008, Policy Guidelines on Issuance andoperation of Pre-paid Payment Instruments in India, and any other guideline in relation to pre-paid cards issued from time to time by Reserve Bank of India and in each case, any implementingregulation or interpretation issued thereunder including any successor Applicable Law;“Company” / “Us” / “We” / “Our” shall mean Cashinmoney Services Private Limited, a privatelimited company registered under Companies Act, 2013 and having its registered office at Muzaffarpur (m Co Rp), Tola Ward No. 6 Panch Bihar 842002 813213 INDIA (whichexpression shall, unless it be repugnant to the context or meaning thereof, be deemed to meanand include its successors and permitted assigns);“Cashinmoney ccount” shall mean the access account created by a User to avail Services onWebsite and/or Platform;“Person” shall mean any individual (including personal representatives, executors or heirs of adeceased individual) or legal entity, including but not limited to, any partnership, joint venture,corporation, trust, unincorporated organisation, limited liability company, limited liabilitypartnership or governmental authority;
“Personal Information” shall mean any personally identifiable information provided to Us by aUser for creation of a Cashinmoney Account or availing Services through Website and/or Platform;“Services” shall mean the services provided by Company through its Platform including but notlimited to financial inclusion services in partnership with banks as business correspondent,distribution of financial products and services including loans, insurance products, investmentservices, issuance and sales of wallets and prepaid cards and non-financial nature products andservices through the Platform in collaboration with various partners;“User” / “You” / “Your”͖ shall mean any natural or legal person who has access to and is usingPlatform; and“Website” / “Platform” shall mean shall mean and include www.Cashinmoneyindia.com, mobileapplication of Company, any successor website/ applications, any website of Related Entity orany other channel facilitated and permitted by Company including but not limited to App, anyother digital medium including phone, displays, emails, social media interfaces, messaginginterfaces, wallet, payment intermediaries using Company’s interface
3.1. We collect Your Personal Information when You successfully submit information while creatingzour Cashinmoney ccount on Platform (“User Information”).User Information is the data thatcan be used to uniquely identify or contact a person and/or the business entity that a personrepresents and shall include, but not be limited to, Your Personal Information and such otherinformation for the purposes of identification and verification.
3.2. Without prejudice to the generality of paragraph 3.1 above, We may request such additionalUser Information as may be required for accessing and availing any Services through Platformas may be specified in the terms and conditions of use of such Service.
3.3. By creating a Cashinmoney Account and by accessing Services, You authorize Us to collect, store,process, handle and use such User Information, in accordance with this Policy and any otherterms and conditions of use of Platform and/or Services (as amended from time to time)
3.4. Personal Information provided by You is used by Us to improve Platform and/or Service. We donot share Your Personal Information with any third parties for commercial use or revenuegeneration.
3.5. may share Personal Information such as Your name, mobile number and email address withthird party service providers appointed by Us to for sending SMS / Email communications toYou in relation to Platform and/or Services. We ensure that such third party service providersmaintain strict confidentiality of Your Personal Information.
4.1. By creating a Cashinmoney Account and accessing Services on Platform, You represent that Youare at least the age of majority in Your state or province of residence.
4.2. You shall not, in the use of the Service, violate any Applicable Laws in Your jurisdiction
4.3. You also understand and acknowledge that the use of the Platform requires internet and/ormobile connectivity. You shall bear the costs incurred to access and use the Platform and Weshall not, under any circumstances whatsoever, be responsible or liable for such costs.
4.4. You shall be solely responsible for all activities undertaken through Your Cashinmoney Account,whether or not You have authorized such activities or actions and shall, at all times, keep Usindemnified in this regard.
4.5. A breach or violation of any of this Policy will result in an immediate termination of Services andmay result in reporting to the law enforcement agencies.
4.6. In addition to other prohibitions as set forth in the Terms of Use, You understand and agreethat You are prohibited from using the Platform or its Content:
(i)for any unlawful purpose;
(ii)to solicit others to perform or participate in any unlawful acts
(iii)to violate any international, federal, provincial or state regulations, rules, laws, orapplicable ordinances;
(iv)to infringe upon or violate our intellectual property rights or the intellectual propertyrights of others;
(v)to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminatebased on gender, sexual orientation, religion, ethnicity, race, age, national origin, ordisability
(vi)to submit false or misleading information
(vii)to upload or transmit viruses or any other type of malicious code that will or may beused in any way that will affect the functionality or operation of the Service or of anyrelated Platform, other Platforms, or the internet
(viii) to collect or track the personal information of others; (ix)to spam, phish, pharm, pretext, spider, crawl, or scrape;
(x) for any obscene or immoral purpose;or
(xi) to interfere with or circumvent the security features of the Service or any relatedPlatform, other Platforms, or the internet. We reserve the right to terminate your use ofthe Service or any related Platform for violating any of the prohibited uses
5.1. You represent and warrant that You shall be responsible for accuracy and correctness of all UserInformation provided by You for creation of a Cashinmoney Account and for accessing any Servicesavailable on Platform.
5.2. For the purposes of internal verification and/or for compliance with Applicable Law includingbut not limited to e-KYC requirements, You may be required to submit such personalidentification documents as may be required by Us from time to time. You shall remain solelyresponsible for accuracy and validity of all such personal identification documents.
6.1. We may allow You to access certain Services provided by third-party service providers, whichwe neither monitor nor exercise any control over.
6.2.You acknowledge and agree that We provide access to such third-party Services on an “as isbasis” and “as available” without any warranties, representations or conditions of any kind andwithout any endorsement. We shall have no liability whatsoever arising from or relating to youruse of such third-party Services.
6.3. Any use by You of third-party Services offered through Platform is entirely at Your own risk anddiscretion and You should ensure that You are familiar with and approve of the terms on whichthird-party Services are provided by the relevant service provider(s).
6.4. We may also, in the future, offer new services and/or features through Platform (either by Usor by third-party service providers). Such new features and/or services shall also be subject tothis Policy.
7.1. All copyright, database right and all other proprietary rights, title and interest in all informationpresented on Platform (“Intellectual Property”) is owned by and/or licensed to Us or owned byand/or licensed to the provider of Services or is owned by and is or may be protected or coveredby copyright, trade mark, intellectual property law and/or other proprietary rights, unlessexpressly stated otherwise
7.2. use of Platform and/or Services does not confer on You or any other party, any licence orother rights under Intellectual Property or other proprietary rights of Company and/or providerof Services and/or of any third party, whether implied or otherwise.
8.1. Notwithstanding paragraph 3 above, We reserve the right to utilize, share and/or disclose UserInformation if:
(i) required to do so to comply with orders of governmental authorities that havejurisdiction over it or as otherwise required by Applicable Law after providing You awritten intimation prior to such disclosure; and/or (ii)We determine, in Our sole discretion that disclosure of User Information is necessary toidentify, contact, or bring legal action against you
9.1. We ensure that any User Information stored with Us is and remains to be in Yourownership. Upon deletion of Cashinmoney Account, We will, to the reasonable extentpossible, remove User Information stored with Us within 3 (three) months from the dateof such deletion
9.2. Notwithstanding the above, We reserve the right to retain such User Information thatforms part of anonymized and aggregated data derived from User Information which maybe used for improvement of our Platform and/or Services, to produce analytical reports,marketing, advertising or such other activities as We may deem fit
You agree to indemnify, defend and hold harmless Us and Our parent, subsidiaries, affiliates,partners, officers, directors, agents, contractors, licensors, service providers, subcontractors,suppliers, interns and employees, harmless from any claim or demand, including reasonableattorneys’ fees, made by any third-party due to or arising out of Your breach of this Policy orthe documents they incorporate by reference (including terms and conditions of use of Platformand/or Services), or Your violation of any law or the rights of a third-party
To prevent any form of unlawful interception or misuse of User Information, We use reasonablephysical, electronic and managerial procedures to safeguard and secure User Informationcollected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You againstloss or misuse of Your User Information including internal reviews of data collection, storageand processing practices and other reasonable security measures which are equivalent tosecurity measures that We use to protect Our own confidential information. However, as Youare aware, no internet website or online platform is completely free of security risks and We donot make any representation in respect of the same.
We may use your Personal Information to :
Administer the Services.
Personalize the Services for User
End to User direct links to the Services.
Process transactions.
Process installation.
Send User our newsletter.
Develop,deliver,and improve our products,services,content,and advertising.
Send important notices,such as communications about purchases/downloads and changes to our Policy
Auditing,data analysis,and research to improve the Services.
Troubleshooting and helping us to understand usage trends
Send alerts to User.
Marketing and promotion of the Services.
We might gather non-individual data about Clients at whatever point they use and interface with the Administrations. Non-individual data might incorporate the data other than the Individual Data (as shown above) and may likewise incorporate program name,the sort of computer,and specialized data about implies utilized by the Client to interface with our Services,such as the data about the working framework and the network access suppliers used and other comparative data. This data is amassed and used to assist us with giving more valuable data to the Client and to comprehend what part of the Services,its products,and administrations are of most interest. In the event that we in all actuality do consolidate non-individual data with Individual Information,the joined data will be treated as Private Data however long it remains combined.
We may share Personal Information as well as non-personal information of the User with the courts,police authorities,or any other government/regulatory/statutory authority,in case these are required by them in relation to any proceedings pending before them.
At Cashinmoney Service Pvt Ltd, we are focused on safeguarding the protection and security of our clients' private and delicate data. This incorporates the contact data we gather from our clients for Yes Bank Ltd. to give computerized banking services.
We gather contact data from our clients to give banking administrations, for example, account the board, exchange handling, client assistance, and extortion anticipation in the interest of Yes Bank Ltd. This data might incorporate name, email address, telephone number, and other important contact details.
We comprehend that our clients might have worries about sharing their contact data, and we go to proper lengths to defend this information. We have carried out severe safety efforts to shield our clients' contact data from unapproved access, use, or divulgence. We don't sell or impart clients' contact data to any outsider without their unequivocal assent, besides as legally necessary or in light of a substantial government request.
We are focused on giving clear and straightforward divulgences about our information assortment and use rehearses. We comprehend that our ongoing security strategy and divulgences might not have met arrangement necessities and apologize for any turmoil or dissatisfaction caused. We will survey and refresh our approaches to guarantee that they meet all pertinent arrangement necessities and give clear and straightforward revelations to our users.
If You have any queries regarding: (i) this Policy; (ii) information and/or Services available onPlatform, or (iii) Your dealings with Us or believe that We have not adhered to it, You maycontactUs at info@Cashinmoneyindia.co.in
You can quit accepting Our promoting and update messages. To quit getting Ourpromotional messages, if it's not too much trouble, email care@Cashinmoneyindia.co.in. It might require around ten days toprocess Your solicitation. Regardless of whether You quit getting promoting messages, We will in any case be sendingYou conditional messages through email and SMS according to Your Cashinmoney Record andServices profited by You