This Privacy Policy is an important part of the developer BHAGWANSHETJI FINANCE PRIVATE LIMITED commitment to user data protection and applies to all users of Cash Route loan services.
This policy explains how we collect, use, and safeguard your personal information when you use our mobile application. By using the Cash Route app, you consent to the practices described below.
Information We Collect
We collect and process the following types of information strictly for the purpose of evaluating your loan application, assessing your credit risk, improving service quality, and complying with applicable legal and regulatory obligations.
1.Personally Identifiable Information
We collect the following "Personally Identifiable Information", including but not limited to your name, password, age, marital status, gender, mailing address, email address, phone number, income level, occupation, financial status, and number of children. We use this information to assess your eligibility for relevant services and prevent fraudulent activities.
2.SMS
We only access financial SMS messages from the past six months, such as bank alerts, salary arrivals, EMI reminders, and payment confirmations. This allows us to assess your repayment ability, detect risk patterns, and match you with appropriate financial services. SMS data is encrypted, uploaded to our servers, and deleted after the assessment is complete.
3.Device Information
We collect device-related information including, but not limited to, device model, operating system, system language settings, and Google Advertising ID (GAID). This information is used for the following purposes:
a.Compatibility Detection: To ensure the application operates normally across different devices.
b.Anti-Fraud Detection: To identify abnormal operating behaviors associated with the device.
c.System Optimization: To adjust interface smoothness based on the device's performance capabilities.
d.Troubleshooting: To assist customer service in locating and resolving technical issues encountered by users.
4.Approximate Location
We collect your network-based approximate location (with an accuracy of more than 500 meters) only during the application process to verify your service eligibility.
5.Camera
We only request access to your camera and photo gallery to upload KYC (Know Your Customer) documents, such as government-issued ID, address verification documents, and a verification selfie.
This information is used solely to meet regulatory identity verification requirements. All uploaded documents are securely transmitted to our servers. Upon successful verification, the uploaded documents and accessed KYC information are immediately and securely deleted.
6.App List
We collect information about installed apps, including the package name and installation or update date. This helps verify device integrity and assess fraud risk. The data is uploaded to our servers and deleted after the evaluation is complete.
7.Call log information
When you use the voice verification code to log in or the identity verification function, we will collect the following call information after obtaining your authorization:
Call number, type, duration and timestamp, etc.
The information is only used to verify whether the SIM card matches the applicant's own device to ensure the security of the account and funds.
The collected information will be uploaded to our servers for encrypted storage after filtering by number, and it is strictly prohibited to disclose or sell to unauthorized third parties.
Information Use Instructions
a. Eligibility Assessment: Based on the data you provide, we assess your eligibility for the services and products we offer.
b. Identity Verification: Verify your personal identity information to ensure its authenticity and integrity.
c. Risk Management: Identify and prevent fraud, money laundering, and other illegal uses.
d. Customer Service: To address your questions, provide technical support, or resolve related service requests.
e. Data Analysis: Data analysis and user profiling help us better understand your preferences and behavior patterns, thereby optimizing our service content and product design.
We are committed to using your personal information within a legal and reasonable scope and strictly abide by the privacy policy to ensure the confidentiality and security of your data.Information Disclosure and Transfer
Cash Route work with Chettiar Finance Private Limited, a partner financial institution with an NBFC license, to provide users with formal and compliant financial service products, involving necessary data verification and loan disbursement processes.
Your Data Privacy Rights
Access and Correction: You have the right to access your personal information and correct any inaccuracies or update incomplete details.
Deletion: Subject to our Terms of Service and applicable legal obligations, you have the right to request the deletion of your personal information.
Objection or Withdrawal of Consent: You have the right to object to our collection or use of your information, as well as withdraw any prior consent you have provided for such activities.
How We Protect Your Information
We implement a range of security measures to safeguard your personal information, including but not limited to data encryption, access control protocols, and regular security audits.
However, please note that despite these safeguards, no method of network transmission or electronic storage is 100% secure—we cannot guarantee absolute security. If you suspect your account has been compromised, please contact us immediately via email, and we will assist you in addressing the issue promptly.
Privacy Policy Updates
We reserve the right to update this Privacy Policy at any time. In the event of material changes to the Policy, we will post a change notice in a prominent location within the application. Where necessary, we will also notify you via the contact information you have provided.
We recommend that you review this Privacy Policy on a regular basis to stay informed about our latest practices regarding the collection, use, and protection of information. Your continued use of Cash Route following the update of this Policy will constitute your agreement to and acceptance of the revised privacy terms.
Contact Us
If you have any questions, comments, or requests regarding this Privacy Policy, please contact us through the following channel: Customer Service Email: support@cashroute.in
