Privacy & Policy

Please read these terms carefully. By using this website, you agree to bound by all of the terms and conditions of this agreement.

GENERAL TERMS AND CONDITIONS

Terms of Use

1.1 Thank you for visiting www.cashwish.in by accessing or using the website www.cashwish.in whether automated or otherwise, you, a registered or guest user in terms of the eligibility criteria set out herein (“User“), agree to be bound by these Terms and Conditions (“Terms of Use“) and any additional terms and conditions that are referenced below or otherwise may apply to specific areas of the website, from time to time. We encourage our Users to read these Terms of Use carefully while using the website.

1.2 The Website is owned and operated by AGF Finlease India Limited, a company incorporated under the provisions of the Companies Act, 2013 bearing corporate identity number (CIN - U65910DL1996PLC075541). All references to the Website in these Terms of Use shall be deemed to refer to the aforesaid entity in the inclusion of the online portal.

1.3 The contents set out herein form an electronic record in terms of the Information Technology Act, 2000 and rules there under as applicable and as amended from time to time. As such, this document does not require any physical or digital signatures and forms a valid and binding agreement between the website and the User. Further, please be advised that these Terms of Use are made available to the User pursuant to and in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules, regulations, privacy policy and terms of use for access or usage of the website.

1.4 We reserve the right to change these Terms of Use at any time. The changes will be effective from the date and time of the posting of such changes. By continuing to use the website after we post any such changes, you accept the Terms of Use as modified.

TERMS AND CONDITIONS

Welcome to the website CASHWISH, where all the terms and conditions regarding the services we deliver have been disclosed. We have enlisted all the section and invariable factors of the essential services, and the most prominent part of the terms and conditions is that all must agree to the terms and conditions for further proceeding. It is necessary to obey all the rules and privacy policies which are briefly listed. Once the agreed can only move for the services for the same, one must be eligible as per the Contract Act 1872.

Customer Eligibility

2.1 Use of the Website is available only to such persons who can legally contract under the Indian Contract Act, of 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872, including minors, un-discharged insolvents, etc, shall not be eligible to use the website. If the person accessing the website is a minor i.e., under the age of 18 years, such person shall not register as a User of the Website and shall not transact on or use the website.

2.2 The Website reserves the right to terminate any membership and/or refuse to provide access to the Website if it is brought to the Website’s notice or if it is discovered that the person accessing/using the Website is under the age of 18 years.

2.3 By accepting the Terms of Use, the User irrevocably declares and undertakes that he/she is of legal age i.e., 18 years or older, and capable of entering into a binding contract and that such acceptance shall be deemed to form a contract between the website and such User to the extent permissible under applicable laws.

2.4 The User must have a rupee-denominated savings/current account with a bank in India.

2.5 Users must have a PAN (Permanent Account Number), allotted by the Income Tax Department of India.

2.6 By accepting the Terms of Use, you acknowledge that you have also read and understood the risks involved in lending and/or borrowing through the website.

2.7 To be eligible as a Borrower, the User must be:

2.7.1 The user must be a salaried individual.

2.7.2 If the User is a salaried individual, then the User:(a) must be based in India;(b) should not be unemployed at any point of time during the last 6 months;(c) should not have any kind of civil or criminal litigation instituted against him/her;(d) must be receiving his/her monthly salary in the bank account; and (e) must only be seeking a loan amount in between Rs. 25,000, and Rs. 5,00,000 with a loan term of not more than 24 months.

Sign-up and Registration

3.1 As indicated, any person may access the website either by registering on the website or using the website as a guest. However, a guest user may not have access to all sections of the website, which shall be reserved only for the purpose of registered Users, and which may change from time to time at the sole discretion of the website. 3.2 All eligible Users who wish/have to register themselves with the website shall be required to create an account by filling in the details prescribed in the website.

3.3 By applying for registration, the User agrees and authorizes us to carry out such checks and verification. As part of the registration process:

3.3.1, we shall run identity, KYC, and fraud checks.

3.3.2 obtain a credit rating for Users from the Credit Information Bureau;

3.3.3 Carry out residence and/or work verification at your employment location;

3.4 If any User provides any information that is untrue, false, not updated, and incomplete or the website has reasonable grounds to believe that such information is untrue, false, not updated, or incomplete, the website shall have the right to suspend or terminate the relevant User account and refuse any and all current or future use of the website (or any portion thereof).

3.5 Users of the Website may be required to provide certain personal information and expressly permit the website to access and/or collect and retain such personal information of the Users. Such provision and/or collection, storage, retention, use, and disclosure of the -Personal Information of the Users shall be subject to the website’s privacy policy available at https://www.cashwish.in/privacy-policy/

3.6 Registration Fee to register as a Borrower: There is no fee charged for registration.

Use of Website 4.1 To borrow through the website, You must log on to cashwish Account.

4.2 All registered Users of the Website shall be solely responsible for activities relating to the account, and the website or the entity operating the same shall not in any manner be held responsible and/or liable for any illegal acts including but not limited to misuse, unauthorized access, hacking of the website or refusal to access the website due to such reason. 4.3 All Website Users hereby confirm and acknowledge that they have been provided with a copy of the loan agreement (“Loan Agreement”) to be entered between the Borrower and the Lender. All Users further confirm that they have read and understood all the terms and conditions of the Loan Agreement and, upon execution, do hereby covenant and undertake to unconditionally abide by the same, without raising any defense of whatsoever nature in respect thereof.

4.4 If any User learns or is made or becomes aware of any instance of hacking or misuse of its cashwish Account, it shall without delay notify the website of the same.

4.5 We can refuse to act on any instruction received from the User that we believe: (a) was unclear; (b) was not given by the user; (c) might cause us to breach a legal or other duty, or (d) suggests that the website is being used for any illegal purpose.

4.6 The Website disclaims, and the User waives off, any and all claims/liabilities arising out of any unlawful usage of the website, the Personal Information of the User, inaccessibility of the website for any reason whatsoever, which are caused owing to causes beyond the control of the website. While the website employs the best efforts to ensure the aforesaid, it cannot guarantee the same. No User shall trade or sell such User accounts in any manner whatsoever.

4.7 Notwithstanding anything contained herein, the website may be inaccessible for such purposes as it may, at its sole discretion deem necessary, including but not limited to regular maintenance. The website may inform the Users from time to time regarding such inaccessibility. However, under no circumstances will the website be held liable for any losses or claims arising out of such inaccessibility to the Users, and the User expressly waives off any and all claims/liabilities arising to this end.

4.8 The Website grants every User a limited, non-exclusive, and revocable license to access the website and only to the extent such use does not violate these Terms of Use, including, without limitation, the prohibitions listed in clause 6.1 of the Terms of Use.

4.9 The User shall solely be responsible for obtaining access to the website, and that access may involve third-party fees (such as internet service provider fees or airtime charges). In addition, the User must provide and shall be responsible for all equipment necessary to access the website. The User may not bypass any measures that have been implemented to prevent or restrict access to this website.

4.10 Any unauthorized use and/or access of/to the website by a User (including any access through the registered account of that User or any device that the User may use to access the website) shall terminate the permission or license granted to the User by the website.

4.11 Under no circumstance shall any User save copies, download, and print or otherwise store any content of the website for any commercial purposes. Accessing, downloading, storing, or otherwise using the content of the website for any commercial purpose will constitute a material breach of these terms & conditions.

4.12 The Website strictly prohibits any use of the content available through the website, including but not limited to: (i) any downloading, copying or other use of the content or the website for purposes competitive to the website or for the benefit of any third party; (ii) any caching, unauthorized linking to the website or the framing of any content available on the website; (iii) any modification, distribution, transmission, performance, broadcast, publication, uploading, licensing, reverse engineering, transfer or sale of, or the creation of derivative works from, any content, products or Services obtained from the website that the User does not have a right to make available (such as the intellectual property of another party); (iv) any uploading, posting or transmitting of any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer; (v) using any hardware or software intended to surreptitiously intercept or otherwise obtain any information (such as system data or personal information) from the website (including, but not limited to the use of any “scraping” or other data mining techniques, robots or similar data gathering and extraction tools); or (vi) any action that imposes or may impose (in the website’s sole discretion) an unreasonable or disproportionately large load on the website’s infrastructure, or damage or interfere with the proper working of the website’s infrastructure.

4.13 The Website reserves the right to refuse or cancel any registration of its Users, remove any person from the website, and prohibit any person from using the website for any reason whatsoever, and from limiting or terminating such access to or use of the website at any time without notice.

Terms, Conditions, and Process for Lending

5.1 In case the Lender wishes to lend, the lender will have the option to select one or multiple Borrower’s profiles to whom the Registered Lender wishes to lend from various Borrower’s profiles listed on the website.

5.2 The Lender agrees to offer the first loan within 30 (Thirty) days from the date of registration as a Lender.

5.3 Upon selecting the Borrower, the Registered Lender will transfer an amount equivalent to the amount that he/she wishes to lend (“Lending Amount”) in the Escrow Account through his bank account using RTGS/NEFT.

5.4 Upon successful transfer of the Lending Amount to the Escrow Account, and once cashwish sights the funds in the Escrow Account, the Lending Amount will be reflected in the User’s Cashwish Account. This could take up to 4- 6 hours. If the Lender transfers funds using RTGS/NEFT after the cut-off time or on holiday, it will reflect in his cashwish Account on the next working day.

5.5 Upon selecting and confirming the Borrower’s profile (“Selected Borrowers”), an amount equivalent to the amount that the Registered Lender wishes to lend to the Selected Borrowers will be debited User’s Cashwish Account.

5.6 The Lender and Borrower will sign the Loan Agreement.

5.7 The amount will be transferred to the Selected Borrower from the Escrow Account.

5.8 Charges and Fees: The website shall be entitled to charge the fees and charges: The facilitation fee will only be charged if lenders receive EMIs. Cashwish may revise the rate of such charges from time to time. Any such changes will be updated to the lender via email and/or, SMS and/or push notification

Terms and Conditions for Borrowing

6.1 A Borrower can borrow from the website by posting a loan requirement through the website and completing the application process.

6.2 During the registration process, you must also enter the details of your bank account for the purposes of repayments due to the Lender.

6.3 By posting a Loan Request, you agree:

a) To provide us with certain additional information which we will ask you for, and that if we discover that this additional Information and/or the Information you gave us during the application process was inaccurate or deficient in any respect, then the Loan Request will be void and we have the right to take appropriate actions against the Users.
b) To authorize us to check your credit rating from any of the Credit Information Bureau in India, which are required by us to assess the credibility of the repayments.
c) User acknowledges that Credit Information Bureau links together the records of the User and anyone that the User has advised as a financial associate (e.g., someone with whom you have a joint credit account), including previous and subsequent names of parties to the account. While assessing the credibility of your repayments, we may take into account information about your financial associates in your credit reference.
d) “I hereby give my free consent and authorize AGF FINLEASE INDIA LTD and its service provider by providing my personal information to obtain my Credit Information Report and Credit Score from transunion Credit Information Services Pvt. Ltd. for the purpose of risk assessment and credit underwriting and not for any other purposes”. This has to be confirmed by the borrower before submitting the application for the loan.
e) Any loan amount offered by any Lenders will be acceptable to the Borrower

6.4 If so required by Cashwish after considering the profile of the borrower, Cashwish may request the borrower to arrange for a co-signor as a condition for disbursement of the loan. In case the Borrower fails to arrange for a co-signor, cashwish shall have the right to reject the loan request.

6.5 Formation of Loan Agreements

a) The Borrower agrees to accept each of the loan offers that meets your borrowing criteria.
b) The Borrower agrees to sign and execute the loan agreements electronically or physically. In the case of multiple loan agreements, the website will provide you with a summary of the loan availed in the Cashwish Account. 6.6 Disbursement of Loan Proceeds Upon execution of all the required documents and fulfillment of all conditions for disbursements, to the sole satisfaction of the Company, the borrowed amount will be credited to the account of the Borrower. The platform follows a rounding down approach during loan disbursement to the borrower for simplicity purposes. For e.g., if the disbursement amount after deduction of all charges and fees amounts to Rs. 9411.18, the disbursement amount will be Rs. 9,411, and Rs. 0.18 will be transferred to the platform as the adjustment amount. 6.7 Charges and Fees: The website shall be entitled to charge the following fees and charges.

a) Loan processing charge for every loan availed by the borrower
b) GAP Interest charges if eligible
c) Tracing charges (finding you if we are unable to find you at the resident address provided by you or the work location provided by you at the time of the Loan Request and we have to trace your new address) – Rs. 300;
d) No-Response fee (if you fall into arrears and we cannot contact you for 15 consecutive days) – Rs. 300;
e) Recollection Fee (If our recovery person visits your office or residence to collect your EMI payment or visits your office or residence premises as you are not paying your EMI on time) – Rs. 300
f) Change of Repayment Date (If you want to change the EMI repayment date) – Rs. 300
g) Change of Nominated Account (If you want to change the Nominated Account from which your EMIs are being repaid) – Rs. 300
h) Litigation costs and expenses, including legal fees and expenses, to cover litigation recover outstanding arrears, in which case the Borrower will be advised of such costs and expenses if such action proves necessary.
i) Late Payment Fee: If a Borrower has delayed a repayment, cashwish reserves the right to charge you an administration fee for the work it does in attempting to collect your Repayments (“Late Payment Fee”).

In case the Loan amount is less than or equal to Rs. 100,000

If the Borrower has delayed his repayment by a week (7 days from EMI date), he will be charged Rs. 750

If the Borrower has delayed his repayment by 2 weeks (14 days from EMI date), he will be charged Rs. 1,500

If the Borrower has delayed his repayment by 3 weeks (21 days from EMI date), he will be charged Rs. 2,250

If the Borrower has delayed his repayment by 4 weeks, he will be charged Rs. 3,000

For delays of an EMI beyond a month, the Borrower will be charged an additional 2% penal interest rate; on the overdue amount.

In case the Loan amount is more than Rs. 1,00,000 but less than or equal to Rs. 3,00,000

If the Borrower has delayed his repayment by a week (7 days from EMI date), he will be charged Rs. 1,000

If the Borrower has delayed his repayment by 2 weeks (14 days from EMI date), he will be charged Rs. 2,000

If the Borrower has delayed his repayment by 3 weeks (21 days from EMI date), he will be charged Rs. 3,000

If the Borrower has delayed his repayment by 4 weeks, he will be charged Rs. 4,000

For delays of an EMI beyond a month, the Borrower will be charged an additional 2% penal interest rate; on the overdue amount.

In case the Loan amount is more than Rs. 3,00,000

If the Borrower has delayed his repayment by a week (7 days from EMI date), he will be charged Rs. 1,500

If the Borrower has delayed his repayment by 2 weeks (14 days from EMI date), he will be charged Rs. 3,000

If the Borrower has delayed his repayment by 3 weeks (21 days from EMI date), he will be charged Rs. 4,500

If the Borrower has delayed his repayment by 4 weeks, he will be charged Rs. 6,000

For delays of an EMI beyond a month, the Borrower will be charged an additional 2% penal interest rate; on the overdue amount

The above charges will be divided among lenders and cashwish. The ratio of the split of charges is updated in the Lender FAQ. These charges will be applicable on all the loans currently running on the platform. Cashwish may revise the ratio of the split from time to time. Any such changes will be updated to the lender via email and/or SMS and/or push notifications.

j) All costs in relation to stamp duty and other related costs for the preparation of the documents
k) Loan Cancellation charges to the borrower when canceled by him/her – Rs. 1,000
l) Loan Cancellation charges to the lender when canceled by him/her – Rs. 1,000

Settlement of Payment

7.1 Any monies received from the Borrower, including delay charges or late fees or penal charges, or any other applicable charges, shall be kept in the Escrow Accounts.

7.2 These will be recorded as a credit to the Lender’s cashwish Account, which you can see by logging on to the CashWish Account.

7.3 All the collected repayments will be transferred to Lender’s cashwish account within 3 days of the receipt of the EMI from the borrower

(a) The lender will be notified when his cashwish account balance reflects received EMIs

(b) The Lender can choose to withdraw funds from his CashWish account to his registered bank account by giving an instruction to cashwish. The Lender will not earn any interest on the funds lying in his cashwish account.

(c) For instance, if a borrower is paying EMI on the 2nd of the month, the amount will be transferred to the Lender’s cashwish account by the 5th of the month, and the Lender will not get any interest on such amount lying in his/her cashwish account

(d) As a Borrower, you make your repayments due under loan agreements by direct debit to your bank account, which results in an initial credit and debit to your Loan Account on cashwish and then credit in each relevant Lender’s lending account. The repayment amount shall be rounded up to the nearest whole number, and the same shall be payable by the borrower. For e.g., if the repayment amount comes to Rs. 3633.4, the borrower will be required to pay Rs. 3634.

(e) While crediting the Lenders’ account with EMI or applicable delay penal charges amount will be rounded off to two decimal places. For e.g., if EMI results in Rs. 180.1442, the lenders’ account will be credited Rs. 180.14.

(f) Once the loan EMI and applicable delay penal charges are distributed to lenders of that respective loans, the residual amount (if any), resulting from the rounding down of amounts to two decimals places, will be transferred to the platform as an adjustment amount.

For e.g., if EMI results in Rs. 180.1442, the lenders’ account will be credited Rs. 180.14 & Rs. 0.0042 will be transferred to the platform as the adjustment amount.

Loan Administration

8.1 EMI: EMIs will start as per the date of the disbursement of the loan. The Lender will start earning interest after 5 days of his investment in the loan or from the day of disbursement of the loan, whichever is earlier.

8.2 Prepayment Terms: Any Borrower who wishes to prepay the loan can pre-pay the loan without any prepayment charges. For prepayment, please email us at info@cashwish.in.

In cases where at the time of prepayment, the Borrower has already paid 3 (three) or more than 3 (three) EMIs, the Borrower, in addition to the outstanding principal amount, shall be liable to pay the outstanding interest up to the date of prepayment. However, in cases where the number of repaid EMI as of the date of prepayment is less than 3 (Three), the Borrower, along with the principal amount, needs to pay the interest amount of the first 3 EMIs.

8.3 Missed Repayments

In case a Borrower misses a repayment or anticipates that for any reason whatsoever, the Borrower will not be able to repay as per the repayment schedule under the Loan Agreement, then the Borrower should promptly contact the Company by sending an email to info@cashwish.in. Upon receipt of the email, we shall undertake the following actions:

a) explain the delay charges and options available with you
b) inform the relevant Lender regarding the same
c) inform if your account is being passed on to the internal recovery team for further legal recovery as your loan has been classified under the Default category.
d) Inform the Credit Information Bureau about the Borrower’s default in repayment. As a word of caution, we would like to inform you that this reporting may have serious consequences on your ability to avail of any credit in the future.

8.4 Default Category

A Borrower shall be considered under the “default” category if either of the below events has occurred:

a) if he fails to pay the EMI for three consecutive months;
b) we receive confirmation that the Borrower has died;
c) the Borrower has entered into a terminal arrangement affecting the Borrower’s Loan Agreements
d) Other specific situations, which may arise at any point in time, the website will have a right to decide whether to classify any Loan Agreement under “Default” or not.

8.5 Repayment Date Changes

In case a Borrower wishes to change the repayment date (“Repayment Date”) other than in case of an inability to make a payment at all), the Borrower may:

(a) You may ask cashwish to change the Repayment Date by notifying CashWish that you wish to do so and specifying the new date within the month upon which you wish your Any request for change of Repayment Date may be made by signing in to cashwish Account and following the instructions there, or by email at info@cashwish.in

(b) You can change your Repayment Date only once in 6 months:

(c) Depending on whether the Repayment Date is before or after the original Repayment Date, the amount payable on the Repayment Date will be adjusted to take account of the number of days between the Repayment Date and the original repayment date. The remaining Repayments (assuming no further changes) will revert to the usual Repayment amount thereafter.

(d) Cashwish will then acknowledge and confirm the new Repayment Date and any change to the amount of your next Repayment as a result, before effecting any change. Depending on how you request the change, this acknowledgment and confirmation will take place online during the course of your telephone call or by an exchange of email with you.

(e) Cashwish may request justification for the change to the repayment date and reserves the right not to complete the request if, in its sole and absolute discretion, it determines that the change is not due to an appropriate change in circumstances or that the process set out above is not being followed. (f) You will have to pay applicable charges on the same

Closing Your Cashwish Account

9.1 Once all your Loan Agreements are repaid, you may terminate your cashwish registration by sending us an email to info@cashwish.in, and you will no longer be able to access the Lending Platform. However, we will continue to maintain records to the extent that we are required by law.

9.2 We may terminate the registration of the User if the User has provided false information, has breached the Terms of Use, has died, become bankrupt, failed to pay the loan, or it is categorized in the Default category on the website, make a voluntary arrangement with anyone the User owes money, or the User establishes contact with anyone who owes money to the User without knowledge of the website.

9.3 We may either terminate or suspend your registration immediately and without notice, if we are aware of reasonably suspect that you are engaged in, or maybe the victim of, any fraudulent activity or we find that you are spoiling the reputation of the website or we find any activity which is against the interest of the website, or we find you are using information available on the platform for any other commercial purpose.

9.4 When we terminate your registration, you will not have access to your cashwish Account. However, this will not affect your obligation to repay the amount you have borrowed under a Loan Agreement. Or receive EMI Amount you have lent under a Loan Agreement.

Privacy and Data Protection

10.1 Service Communications We understand your concerns about not sending unnecessary calls, emails, or SMS to you. There are some messages (“Service Messages”) that we will need to send you. These may be sent via email, post, call, or text message and include notifications at various stages of your loan or investment.

10.2 Occasional Updates

When you register on cashwish, you are offered the option to receive our occasional updates. These messages notify you about new features added on the Lending Platform, ask your opinion regarding various situations and services, and tell you about services you might not be using yet. If you decide you no longer want to receive these messages, you can change your contact preferences in the “My Contact Preferences” area once you are logged in to your Cashwish account or email your preference to us at info@cashwish.in

Use of Content

While using the website, the User specifically undertakes not to host, display, upload, modify, publish, transmit, update, or share any information or content that:

(i) belongs to another person and to which the User does not have any right to;

(ii) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;

(iii) harms minors in any way;

(iv) impersonate any person or entity, or falsely state or otherwise misrepresent the User’s affiliation with a person or entity;

(v) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states or public order or causes incitement to the commission of any cognizable offense or prevents investigation of any offense or is insulting of any other nation;

(vi) infringes any patent, trademark, copyright, or other IPR (defined below);

(vii) contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; (viii) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;

(ix) engage in any activity that interferes with or disrupts access to the Website or the Products (or the servers and networks which are connected to the website);

(x) attempt to gain unauthorized access to any portion or feature of the website, any other systems or networks connected to the website, to any Website server, or to any of the Products offered on or through the website, by hacking, password mining, or any other illegitimate means;

(xi) probe, scan or test the vulnerability of the website or any network connected to the website, nor breach the security or authentication measures on the website or any network connected to the website;

(xii) disrupt or interfere with the security of, or otherwise cause harm to, the website, systems resources, accounts, passwords, servers or networks connected to or accessible through the Websites or any affiliated or linked sites;

(xiii) use the website or content therein for any purpose that is unlawful or prohibited by the Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of the website or other third parties;

(xiv) falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;

(xv) violate any code of conduct or other guidelines, which may be applicable for or to any particular service;

(xvi) violate any applicable laws or regulations for the time being in force within or outside India;

Intellectual Property Rights

12.1 Intellectual Property Rights (“IPR“) for the purpose of these Terms of Use shall always mean and include copyrights, whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights and further shall also include but not be limited to all text, graphics, user interfaces, visual interfaces, sounds and music (if any), artwork and computer code in relation to the website.

12.2 All IPR on the Website exclusively belongs to either the website or the third-party sellers and suppliers, as the case may be. Under no circumstance shall any User infringe in any way such IPR of the Website, a third-party supplier, or seller during or pursuant to its use of the Website for any purposes whatsoever.

12.3 All those IPRs arising as a result of domain names, internet, or any other right available under applicable law shall vest in the domain of www.cashwish.in as the owner of such domain name.

12.4 The Parties hereto agree and confirm that no part of any IPR mentioned hereinabove is transferred in the name of User and any IPR arising as a result of these presents shall also be in the absolute ownership, possession, and our control or control of its owners/permitted assigns, as the case may be.

12.5 Except as expressly provided herein, the User acknowledges and agrees that it shall not copy, republish, post, display, translate, transmit, reproduce or distribute or in any other way infringe any IPR through any medium without obtaining the necessary authorization from the website or the thirty party owner of such IPR.

Indemnity

13.1 The User hereby indemnifies, defends, and holds harmless the entity owning and operating the website, its subsidiaries, affiliates, vendors, agents, and their respective directors, officers, employees, contractors, and agents (hereinafter individually and collectively referred to as “indemnified parties“) from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interests, damages, demands, costs and expenses (including legal and other statutory fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the indemnified parties that arise out of, result from, or in connection with:

(i) The User’s breach of these Terms of Use; or

(ii) Any claims made by any third party due to, or arising out of, or in connection with, the User’s use of the website; or

(iii) Any claim that any third party IPR, proprietary information, content, or materials provided by the User causes any damage to a third party; or

(iv) Violation of any rights of any third party by the User, including any IPR; each an “Indemnity Event. “

13.2 Upon the occurrence of an Indemnity Event, the website may notify the User of any claims which the User shall be liable to indemnify the website against. The User shall then be obligated to consult with the website regarding the course of action to be undertaken in defending such a claim. 13.3 The User shall not compromise or settle any claim or admit any liability or wrongdoing on the part of the website without the express prior written consent of the website, which can be withheld denied, or conditioned by the website in its sole discretion.

13.4 Notwithstanding anything to the contrary, in no event shall the website, its subsidiaries or affiliates, and their respective officers, directors, employees, partners or suppliers be liable to the User for any special, incidental, indirect, consequential, exemplary, or punitive damages whatsoever, including those resulting from loss of use, data or profits, whether or not foreseeable or whether or not the website has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with the User’s use of or access to the Website or the Product.

Report Abuse and Take Down Policy

14.1 In the event the website or any User becomes aware of any objectionable content on the website, including but not limited to violation of privacy, misuse of personal information, or violation of any IPR, in violation of these Terms of Use then, the website, by itself or upon receipt of a communication from any of its Users, without any prior notice take down such objectionable content from the website.

14.2 For any reporting in respect of the aforesaid, the User should contact the website at info@cashwish.in

14.3 If a feedback comment or any communication made between Users and the Website or email communication between Users in relation to transactions conducted on the website contains profanity, please submit a request for action/removal. Disciplinary action may result in the indefinite suspension of a User’s account, temporary suspension, or a formal warning.

14.4 The Website shall consider the circumstances of an alleged policy violation and the User’s trading records before taking action violations of this policy may result in a range of actions, including (a) limits placed on account privileges; (b) loss of special status; (c) account suspension.

Feedback and Information

15.1 The Website reserves the right, at its sole discretion, to use such information for upgrading/enhancing the website, and such use shall be entirely unrestricted.

15.2 The Website may, at its discretion, also make any modifications or changes to the website and its content on the basis of such feedback or information.

15.3 In the event that the website makes any changes or modifications to the website on the basis of any such feedback, the User shall not have any rights or title (including any IPR) in such changes or modifications to the Website or Products listed therein.

15.4 By submitting any feedback or any information, the User hereby warrants that (i) the feedback does not contain confidential or proprietary information belonging to the User or any other person; and (ii) shall not be entitled to any compensation or reimbursement of any kind from the website for the feedback under any circumstances.

Applicable Law

These Terms of Use shall be governed by and interpreted and construed in accordance with the laws of India. The courts in Mumbai shall have exclusive jurisdiction in respect of any matters arising here.

Dispute Resolution

17.1 In the event any dispute arises out of or in connection with the Terms of Use herein, including the validity hereof, the parties hereto shall endeavor to settle such dispute amicably in the first instance. The attempt to bring about an amicable settlement shall be treated as having failed as soon as one of the parties hereto, after reasonable attempts, which shall continue for not less than 15 (Fifteen) calendar days, gives a notice to this effect, to the other party in writing.

17.2 In case of such failure, the dispute shall be referred to a sole arbitrator, who shall be appointed by the website. The arbitration proceedings shall be governed by the Indian Arbitration and Conciliation Act, 1996, and shall be held in Mumbai. The language of the arbitration shall be English.

Jurisdictional Issues

Unless otherwise specified, the products/items listed on the website are solely for the purpose of delivery in India. The website shall under no circumstance be held liable for the use or availability of Products for use in locations/countries other than India.

Buyer Protection Program

19.1 If you want to make a complaint about the Loan Agreement or cashwish, you can email info@cashwish.in with brief details of your complaint and your account reference. Cashwish will acknowledge your complaint within one working day. Cashwish will then investigate and send you an initial response within five working days.

19.2 If you are not satisfied with the response from the Customer Services Manager, you can email info@cashwish.in, enclosing responses already given to you. Your email will then be referred to the Chief Operating Officer, who will respond within five working days.

General Provisions

20.1 Notice: All notices to be issued pursuant to these Terms of Use shall be served to the User by email or by general notification on the website. Any notice to be sent to the website pursuant to these Terms of Use shall be sent to the website’s grievance officer by email at info@ecashwish.in

20.2 Assignment: These Terms of Use shall not be assigned or otherwise transferred by the User. However, the website’s obligations under these Terms of Use are freely assignable or otherwise transferable by the website to any third parties without the requirement of seeking the User’s prior consent.

20.3 Severability: If any provision of these Terms of Use is void, or is so declared, such provision shall be severed. The Terms of Use shall otherwise remain in full force and effect.

20.4 Waiver: Any failure or delay by a party to enforce or exercise any provision of these Terms of Use, or any related right, shall not constitute a waiver by such party of that provision or right. The exercise of one or more of a party’s rights hereunder shall not be a waiver of or preclude the exercise of, any rights or remedies available to such party under these Terms of Use or in law or at equity. Any waiver by a party shall only be made in writing and executed by a duly authorized officer of such party.

20.5 Relationship and Exclusivity. Nothing in these Terms of Use shall constitute or be deemed to constitute a partnership, joint venture, agency, or the like between the parties hereto or confer on any party any authority to bind the other party or to contract in the name of the other party or to incur any liability or obligation on behalf of the other party.

20.6 Force Majeure: If performance of any service under these Terms of Use by the website is prevented, restricted, delayed or interfered with by reason of labor disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, Trojan or other disruptive mechanisms, any event of hacking or illegal usage of the website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of the website and could not have been prevented by reasonable precautions then the website shall in toto be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by the website of its obligations herein.

Insurance for Loan or Borrower

21.1 This feature is currently not available. However, the Lender and Borrower authorize the website to work with any insurance company registered with IRDA and ready to provide the beneficiary products. If such a facility comes into existence on the website in the future, the website needs not take any permission from the user.

21.2 For any such product, the Borrower or Lender or Both chooses to pay the premium amount to cashwish, and then cashwish will pay the same to the insurance company on your behalf.

21.3 cashwish will be the nominee for this insurance policy and is authorized to manage the claim settlement process on your behalf. Once the claim settlement is done, cashwish will distribute the settlement amount to the Lender(s) and then transfer the available amount tothe borrower’s bank account if there is any.

21.4 In case your repayments are irregular or delayed on a consistent basis, cashwish reserves the right to cancel the insurance policy. The insurance policy will be a co-terminus with your loan tenure.

21.5 In case of any incident (permanent disability/accidental death of the Borrower), the beneficiary/nominee will need to intimate cashwish, who will then initiate the claims on the beneficiary/nominee’s behalf.

Privacy Policy

This documentation is on the Privacy Policy under the provisions of Rule 4 (1) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. It requires a privacy policy to publish your personal information to deal with it and handle it. It includes private data and information that can be sensitive. When you go to the website www.cashwish.in, and use these services provided by us (Services), you will agree to the terms and conditions of this Privacy Policy. By accessing the Platform or any part thereof, you must signify your assent to this Privacy Policy. This Privacy Policy is incorporated within and subject to the Terms of Use of the Platform. For this Privacy Policy, the Service users may be consumers, customers, buyers, or any other person using these Services or accessing our Platform. If you do not agree to this Policy or any part of it, please do not use or access the Platform.

Assortment OF USER PERSONAL INFORMATION

When you utilize our Platform, we gather and store the data given by you from time to time by looking for authorizations from YOU to get the necessary data. Our main objective for which we are doing this is to provide you a protected, productive, smooth, and customized insight and Services. It permits us to offer your assistance and features that address your issues and customize our Platform to make your experience more secure and easy, and improve the Services given by us. More significantly, we gather personal data from you that we consider essential for accomplishing the purpose mentioned previously.

All in all, you can peruse the Website or App without disclosing to us what your identity is or revealing any data about yourself. Further, for making an account on the Platform, you should give us some essential data needed for customized services. The data we gather from you contains:

your complete name
gender
email address
photos
mail address
postal code
family information
college/university details
contact number
prepaid details of wallet linked.
bill details
details of your car
Permanent Account Number (PAN)
Academic certificates and records.

What we do with the information we gather

At every possible opportunity, we demonstrate the required and the discretionary fields. You generally have the alternative to not give any data by deciding not to utilize a specific feature or a service on the Platform. We also gather data from your user account. It mainly includes your email address and public profile data like your name, photos, and ID. It depends on the platforms that you are using to sign up for the App.

This data is needed for the registration process to have access to our services. It is also useful for auto-populating the main fields from the course of the interface of the App. We further gather other recognizable data, for example, the history of your transactions on the Platform when you set up a free record with us, as detailed below. While you can search a few sections from our Platform without being an enrolled member, as mentioned earlier, specific activities (for example, benefiting from credits from the lender of the third parties on the Platform) require enlistment and for you to give the above details. The Platform will clearly show the personal data it is gathering from you, and you have the alternative option of not providing your data. In any case, this will restrict the services given to you on the Platform.

This App will also record your phone number for the verification process and check the active status of your SIM on the device, remarkably distinguishing you, and preventing fraud and unapproved access.

As a part of the Video Know Your Customer (Video KYC) process, collecting your data is mandatory. It guarantees the validation and completion of your KYC. In this manner, the consent of microphones, and cameras is a must.

COLLECTION OF FINANCIAL SMS INFORMATION

We do not gather, store, or read your texts from your inbox. Instead, we collect and monitor the financial SMS of 6-digit numbers sent by the alphanumeric senders. It helps us identify the different bank accounts you are holding with the cash flow details, description, and transaction amounts taken by you. It will help us to assess your credit risk. Further, it enables us to determine your profile risk and to give you an appropriate credit analysis. Due to this process, you can take the financial facilities to regulate financial entities available on the Platform. This SMS for financial data also includes your data history. While you are using the application, it often sends your financial text information to us and the associated servers.

COLLECTION OF DEVICE LOCATION AND DEVICE INFORMATION

We gather and monitor the information about the device location to provide the service for loan applications, reduce the risk associated with the loan applications, and provide you with customized loan offers. It helps us to verify your address, make a better decision for your credit risk, and know your KYC process as our customer.

The App collects much information related to your device, for example, its hardware mode, RAM, build model, and storage. Further, it marks the unique device identifiers like its serial number, IMEI, SSAID, and AAID.

Information on SIM, roaming state, network operator, MNC and MCC codes, and your WIFI details, and the mobile network information is also collected. To identify the device location, we collect the MAC address. By gathering this information, we try to prevent unauthorized acts or fraud on your behalf.

Collecting information about your device helps us to provide automatic updates and additional security. That is how we make sure that your account does not get operated by someone else on a different device. Besides, the information collected helps us to get valuable feedback as a device holder. We can also get to know about the device behavior that will help us to improve our services and provide you with an enhanced customized user.

COLLECTION OF CONTACT INFORMATION

As a part of the loan journey facilitated by Cashwish, we collect and monitor your information. It includes your name, contact number, modified contact list, favorites, account type, and other optional data. It will enable you to autofill the data during the process of the loan application. This information is also helpful for the risk purpose analysis and enables us to detect your credible references. It also has access to your risk profile and helps us to determine your eligibility for a loan.

COLLECTION OF INSTALLED APPLICATIONS

We will collect a list of metadata information on the installed applications. It includes the name of the application, updated time, package name, time of installation, name of the version, and the version code for each of the applications installed on your device. It is necessary to assess your creditworthiness and improve your profile for customized pre-approved loan offers.

CAMERA

We require a camera to scan, access, and capture the essential documents for KYC. It allows us to auto-fill the relevant fields. As a part of the KYC journey to facilitate, we need to have access to your camera to initiate the KYC process. It allows us and our authorized agents to perform your KYC Video and take screenshots of your original documents that are verified. You need to present these documents during the journey of the KYC Video. The KYC Video helps to complete your KYC digitally, smoothly, and carefully. We will record your video held for regulatory reasons alongside the screenshots of your original Official Verified Documents.

MICROPHONE

To enable a two-way communication process, we require permission to use a microphone. This communication takes place between you and our agent. It is a must for performing and completing your KYC Video. Further, we will also record your audio for the same regulatory purpose.

STORAGE

For storing your KYC and other relevant documents, we require your permission so that you can safely download and save them on your device. You can also easily upload the right KYC-related documents to create a faster application for the loan process. It also includes the details of files and the disbursement process. It guarantees that you are provided with a smooth experience while you are using the application.

REASON FOR REJECTION LOAN APPLICATION

When you are looking for a loan make sure to eliminate any inaccurate information. Also, multiple loan rejections can increase your chances of negatively affecting your credit score. If your loan application was recently rejected by Cashwish, then you may need to find out the reasons for the disapproval. The rejection of loan criteria is mentioned in the below points.

- Non-Operational Area

- Non-Operation Area in Active Area

- Rented house without renewal agreement & huge liabilities

- CIBIL Bureau negative, OD & DPDs

- CIBIL Bureau negative, OD in recent tracks with high liabilities

- Low employment tenure also variations in salary

- CIBIL Bureau negative, Suit filed the case, OD & very high DPDs in recent tracks including PL

- Applicant residing at a rented house with his friend, not family

- Low salary residing tenure in a rented house

- Community dominated area, negative area

- Low salary, high liabilities

- Low residing tenure in rented houses also low salary

- Residing alone in a rented house

- Applicant residing in brother's flat not able to provide address proof

- Low employment tenure, rent agreement not renewal

- Poor employment tenure, issues in employment stability

- Applicant not okay with ROI

- Bank statement edited

- CIBIL Negative, high amount of OD & PL written-off

- Not responded for a long time

- No prompt response from the customer's side

- Not provided current address proof

- Customer wants a high amount

COLLECTION OF OTHER NON-PERSONAL INFORMATION

We track some pieces of information automatically. This information depends on your behavior within our platforms. With this information, we do internal research on their interests, behaviors, and demographics. It helps us have a better understanding of how to protect and serve our users and improve our services. This information is combined and used for analysis on an aggregate basis. We also collect your Internet Protocol (IP) address and the URL used by you for connecting your computer to the Internet, etc. This information also includes the URL that you came from (whether the URL is from our Websites or not), the URL that you are going to next (whether this URL is from our Websites or not), your IP address, and your computer's information on the browser.

The small data files called cookies are usually stored by the websites on your computer. We use those cookies on our websites like other websites or apps and online marketplace websites or apps. This information helps us to identify you and make our website more convenient and accessible. Many browsers will allow you to decline cookies. If you choose to decline, then it may affect the services of our website.

If you are willing to purchase from the Platform, we will gather data about your purchasing behavior.

We hold this information and use it when necessary for resolving disputes, customer support, and fixing problems as permitted by the law. Any personal correspondence like emails or letters sent by you or by any other third parties regarding your activities or postings on our Website we collect that information in a file meant for you.

USE AND DISCLOSURE OF YOUR PERSONAL AND OTHER INFORMATION

We understand that your personal information is crucial. We ensure you that this information we are using is for intended purposes only. We access, gather, and use the information collected from you under the applicable laws to provide our services. We do research and develop new subjects that are within our limitations to set up our Privacy Policy.

We use the above information for the following reasons:

To resolve disputes.
To fix problems.
email address
Helps to promote a protect assistance.
Logical analysis.
For marketing and promotional purposes like sending you promotional SMS, Email or Whatsapp.
To measure buyers' fulfillment and satisfaction with our products and services.
To inform you about the online and offline offers, items, services, and updates.
To modify your experiences.
To detect and secure us from any suspicious or criminal activity, fraud, and any other crimes.
To uphold our terms and conditions.
To improve our services or that was described to you at the time of collection.

With our efforts to consistently improve the goods and services that we offer to you, we gather and examine the profile information about our user's activity from our Platform.

PURPOSE FOR COLLECTION OF INFORMATION

The intended purpose behind gathering your personal information provided by you is because:

To establish your behavior and to confirm the same.
To encourage your KYC.
To improve, monitor, and direct our Platform.
To provide our service, for example, performing credit profiling to facilitate loans to You.
To design and offer customized goods and services that our third-party financial accomplices offer.
To analyze how the Platform gets utilized, analyze service or technical issues, and look for safety measures.
To send communications warnings, provide data concerning the various goods or services You have desired, or process questions and applications You have filled on the Platform.
To manage our relationship with You and notify You about various goods and services we think You might find of some use.
To conduct information and analysis for improvisation of the goods and services provided to the users.
To use the user data to conform with country laws and guidelines.
To conduct KYC relevant for our third-party lending partners based on the data shared by the users.
To use the user's data in other ways allowed by law to permit You to take monetary services from our lending partners.

We will utilize and hold this data for the time being when it becomes necessary to give You the services on the Platform. We will take consent within our legal commitments, solve issues, and implement our arrangements.

THIRD-PARTY SITE USAGES

If you click on one of the links to third-party websites, you may be taken to websites we do not control. This policy does not apply to the privacy practices of those websites. Read the privacy policy of other websites carefully. We are not responsible for these third-party sites. We are using a third-party tool for extracting customer CIBIL.

SHARING OF INFORMATION WITH THIRD PARTIES

Further, the Company and our service providers may collect, transfer, store, and process your information outside of your country of residence subject to applicable law. By providing us with your information or using the Site, you consent to the transfer and processing of your information outside your country of residence.

REVELATION TO THIRD PARTIES

We share Your data with our registered third parties only which includes our regulated monetary partners. It is for the arrangement of services on the Website or App. The way by which we are going to share your data with our third parties is below:

We reveal and distribute Your data with our financial service providers, banks, NBFCs, and third-party partners. It is for the facilitation of the loan process or facility or line of credit or buying a good.
We share Your Data with our third-party partners. It is for conducting data analysis and providing you with a better service that assists our Platform.
We may reveal Your data without giving any notification. We may have to consent from any legal obligation or an order from the public authority or statutory authority. To enforce or apply our terms of use or to assign them with such data throughout corporate divestitures, mergers, or to protect the rights, property, or security of us, our users, or others. It includes exchanging data with other associations and organizations that act as insurance against fraud and credit risk reduction.
We will reveal the data provided by any User with the help of other technology partners. With this, we will track how the users interact within the Platform on our behalf.
We and our affiliates may share Your Data with other company entities and merge them. We can also acquire the business entity, or organization, amalgamate or, restructure the business for the continuity of our business. Now the question is, should such a transaction take place for any business entity (or a new combined entity) and receive such data from us or, shall we go according to this privacy policy depending on your data?
We will reveal the data to our third-party technology and credit accomplices for performing credit checks and credit examinations like Credit Bureaus or third-party data source providers.
We will share Your data under a confidential agreement with our third parties. We also restrict the use of the given data by third parties only for the reasons mentioned here. We guarantee you that there will be no unauthorized divulgence of your information shared with third parties.
If you use our Platform, then that means you are accepting your consent to the Company for revealing or disclosing your private data. (i) To the associated third parties in connection with the Services; and (ii) With the public authorities, quasi-governmental authorities, judicial authorities, and quasi-judicial authorities, by the law applicable in India.
We may also reveal your journey to KYC or any data concerning the same to the relevant regulatory authorities as a part of our process related to statutory audit measures. Also, note that your Adhar card number will never be revealed to anyone. Even if we reveal your data due to any reason not indicated above, we will take your permission.

CHANGES IN THIS PRIVACY POLICY

We claim the right to change, alter, add, or eliminate parts of this Privacy Policy whenever necessary. In this case, if any changes occur in the Privacy Policy, we will update it on the Platform. After posting, those progressions will become effective, unless if anything else is there to express. We urge you to audit this page often to get the latest information on our privacy practices. Proceeded with access or utilization of the Services comprise Your acknowledgment of the progressions and the altered Privacy Policy.

GETTING YOUR INFORMATION / CONTACTING US

Anytime the users can decide to alter, adjust, or withdraw their personal information from being shared on the Platform. Kindly note that erasing or pulling out data may influence the Services we give to you. In case any changes occur in your personal information, users are required to furnish the related reports. These reports must identify the changes in your personal information. That will then be used for verification purposes by the Company.

YOUR PRIVACY CONTROLS

You have some options for the data we gather and how to use them:

Settings of devices: Your device may have controls that figure out the information we collect. For instance, you can adjust consents on your Android phone for admittance to Camera or Audio authorizations.
You may delete the App from your device when needed.
You can likewise demand to eliminate the content from servers depending on the appropriate law or by writing to our Grievance Officer.

SECURITY PRECAUTIONS

The Platform protects your information and maintains its accuracy as confirmed by you. We execute reasonable administrative, physical, and specialized guards. It will help us to protect your data from disclosing or using it for unauthorized access or fraud. For instance, we secure all your information at the time of transmitting it on the internet. We also need to know that the enrolled third-party service provider protects such data from disclosing or using it for unauthorized access or fraud.

Our Platform has severe safety measures that protect from any loss, misuse, or alteration of the information and keep it under control. We attempt to safeguard and guarantee the security of your personal information provided by you. We utilize Secure Sockets Layers (SSL) based on encryption for the transmission of data. At present, this is the necessary degree of encryption in India according to material law.

We combine security at multiple steps within our products. The state-of-the-art technology guarantees our systems to maintain strong security measures. Overall, the data, privacy, and security design allow us to defend our system. These range from low-hanging issues up to complex attacks. Also, the Website and App have been certified for the following security certifications:

ISO 9001: This is the international standard that provides you with the detailed requirements for a quality management system (QMS). Organizations that use the norms to describe the capability and consistently provide goods and services to meet customer interests and regulatory requirements with the required security protections.
ISO 27001 (also known as ISO/IEC 27001:2005): This is a specification for an information security management system (ISMS). It is the suggested level for certification required under the Information Technology Act, of 2000. An ISMS is a framework of policies and procedures that includes all legal, physical, and technical controls. These are involved with data related to organizations that hazard the executive's measures.

Our objective is to protect you from unauthorized access, alteration, disclosure, or any destruction of your personal information that we hold, including:

We use encryption for keeping your data private on the way to transit.
We offer security measures like an OTP verification that will help you to protect your account.
We check your information and collect and process practices, including physical security measures, and prevent unauthorized access to our systems.
We protect your personal information from getting revealed to our employees and agents who need that information to process it. Anyone with this access is subject to strict contractual confidentiality obligations. They may also be disciplined or terminated if they fail to meet these obligations.
Compliance & Cooperation with Regulations and relevant laws.
We regularly survey this Privacy Policy and make sure that we process your information in ways that you can agree with it.
Transferring of data.
We guarantee you that the Aadhaar number will not be disclosed to anybody in any manner.
We guarantee you that the Aadhaar number will not be disclosed to anybody in any manner.

We or our affiliates try to maintain your information on the servers situated in India. Data protection laws vary among countries, where some provide more protection than others. We also agree with some of the legal structures relating to the exchange of information as mentioned earlier. It is necessary under the Information Technology Act, 2000 and the rules made later.

When we receive any formal written complaints, we react by reaching the person who made the complaint. We work with the appropriate regulatory authorities, including neighborhood information assurance professionals, to resolve any complaints regarding the transfer of your data that we cannot resolve with you directly.

YOUR CONSENT

If you share your personal information on our Platform, you are giving us the consent to collect, share, divulge, and use your data. You have revealed this data on the platform as per our Privacy Policy. Thus, the information we gather, how we use it, and under what conditions we share it are all known to you.

GRIEVANCE OFFICER

As per the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are given below for your reference: Success!

Grievance officer name: PRIYANKA KHURANA

Address: AGF FINLEASE INDIA LTD

701 7th Floor GD-ITL Tower B-09 Netaji Subhash Place Pitampura Delhi-110034

Phone Number: +91-9643398080
Email address: grievance@cashwish.in