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Backed by Grow Money Capital

Privacy & Security

Privacy Policy

Your privacy matters to us. Learn how we collect, use, and protect your personal information at Cashvia.

Last updated: August 2025

Our Commitment to Privacy

Cashvia is committed to protecting your information and maintaining the highest standards of data privacy and security. We comply with all applicable laws and regulations including:

  • Information Technology Act, 2000
  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • Reserve Bank of India (RBI) Guidelines on Digital Lending and Data Security
  • Digital Personal Data Protection Act (DPDP Act), 2023

Applicability

This Privacy Policy applies to all personal information collected by Cashvia through various channels including:

  • Our website (https://growmoneycapital.com/)
  • Mobile application
  • Offline channels (physical forms, call centers, branch visits)
  • Third-party partners and service providers
  • Credit bureaus and verification agencies
  • Any other touchpoint where you interact with Cashvia services

This policy governs how we collect, use, store, share, and protect your personal information across all these channels to ensure consistent privacy protection regardless of how you choose to interact with us.

Definitions

Company References

“We”, “our”, “us” and “Cashvia” refer to “Grow Money Capital Private Limited”

Website & Services

“Site” refers to the website, mobile site, and the application that we provide and which includes a link to our Online Privacy Policy.

“You” or “your” refers to anyone who visits, accesses, browses or uses the Cashvia website at https://growmoneycapital.com/ or obtains our services through our website.

Personal Information

Means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

Sensitive Personal Data or Information (SPDI)

As defined under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, SPDI includes:

  • Passwords and financial information (bank account, credit card, debit card details)
  • Physical, physiological and mental health condition
  • Sexual orientation
  • Medical records and history
  • Biometric information

We handle SPDI with the highest level of security and only after obtaining your explicit consent. Such information is encrypted during transmission and storage, and access is strictly controlled.

Information We Collect

To provide you with our lending services and comply with regulatory requirements, we may collect the following categories of information:

Personal Information
  • Name, age, gender, and date of birth
  • Contact details (email address, phone number, residential address)
  • Identity proof details (PAN, Aadhaar, Voter ID, Passport, Driving License)
  • Employment information (employer name, designation, income details)
  • Educational qualifications
Financial Information
  • Bank account details (account number, IFSC code, bank statements)
  • Credit history and credit score
  • Loan details and repayment history
  • Income tax returns and financial statements
  • Details of assets and liabilities
Organizational Security
  • Role-based access control - employees access only data necessary for their role
  • Mandatory security training for all employees
  • Strict background verification for employees handling sensitive data
  • Non-disclosure agreements with all employees and vendors
  • Regular monitoring and logging of data access
Business Continuity & Disaster Recovery
  • Board-approved Business Continuity Plan (BCP)
  • Regular data backups and disaster recovery procedures
  • Redundant systems to ensure service availability
  • Incident response protocols for security breaches
Data Breach Response

In the unlikely event of a data breach, we will:

  • Immediately investigate and contain the breach
  • Notify affected users within 72 hours or as per regulatory requirements
  • Inform relevant regulatory authorities (RBI, CERT-In, etc.)
  • Take corrective measures to prevent future breaches
  • Provide guidance to affected users on protective measures

Your Rights as a Data Subject

Under the Digital Personal Data Protection Act, 2023, and other applicable laws, you have certain rights regarding your personal information:

Right to Access

You have the right to request access to your personal information held by us, including:

  • What personal data we hold about you
  • How we use your data
  • Who we share your data with
  • How long we retain your data
Right to Correction

You can request correction of inaccurate or incomplete personal information. We will:

  • Update incorrect information promptly
  • Verify your identity before making changes
  • Inform third parties of corrections where necessary
  • Maintain records of all corrections made
Right to Erasure (Right to be Forgotten)

You may request deletion of your personal data, subject to:

  • Completion of loan obligations and statutory retention periods
  • Legal and regulatory requirements for data retention
  • We will anonymize data where complete deletion is not possible
Right to Withdraw Consent
  • Withdraw consent for data processing at any time
  • Opt-out of marketing communications
  • Note: Withdrawal may affect our ability to provide services
Right to Object & Data Portability
  • Object to processing of your data for specific purposes
  • Request transfer of your data to another service provider (where technically feasible)
  • Receive your data in a structured, commonly used format
How to Exercise Your Rights

To exercise any of these rights, please contact our Grievance Officer at the details provided below. We will respond to your request within 30 days.

Cookies, Analytics & Device Data

Cookies

Our website uses cookies - small data files stored on your browser - to enhance your experience. Cookies help us:

  • Remember your login credentials and preferences
  • Understand how you use our website
  • Customize content based on your interests
  • Improve website performance and functionality
  • Analyze website traffic and user behavior

You can control cookies through your browser settings. However, disabling cookies may affect website functionality and your user experience.

Types of Cookies We Use

Essential Cookies:

Required for website functionality, login, and security

Analytical Cookies:

Help us understand website usage through Google Analytics and similar tools

Functional Cookies:

Remember your preferences and settings

Marketing Cookies:

Track your activity to show relevant advertisements (with your consent)

Mobile App Permissions & Device Data

Our mobile application may request access to certain device features and information:

  • Camera: For document upload and KYC verification
  • Storage: To save and upload documents
  • Location: For fraud prevention and service customization (optional)
  • SMS: To auto-read OTP for easier login (optional)
  • Device ID & Information: For security and fraud detection
  • Contacts: Only with explicit permission and for specific features

You can manage app permissions through your device settings at any time. We collect only the minimum data necessary for app functionality.

Web Beacons & Analytics

We use web beacons (pixel tags) and third-party analytics services to understand user behavior, measure campaign effectiveness, and improve our services. This data is used in aggregate form and does not personally identify you.

Automated Credit Decisions

Cashvia uses automated algorithms and credit scoring models to evaluate loan applications and make credit decisions.

Our automated systems analyze various data points including your credit history, income, employment status, and other relevant factors to determine loan eligibility and terms.

Your Rights:
  • You have the right to know that automated decision-making is being used
  • You can request human review of automated decisions
  • You can ask for an explanation of the decision-making criteria
  • You have the right to contest decisions made solely by automated means

Please contact our Grievance Officer if you wish to understand or challenge any automated credit decision.

Link to Third Party Websites

Our site includes links to other websites whose privacy practices may differ from those of Cashvia. The inclusion of a link does not imply any endorsement by Cashvia of the third-party website, the website’s provider, or the information on the third-party website.

If users submit personal information to any of those websites, such information is governed by the privacy policies of such third-party websites and Cashvia disclaims all responsibility or liability with respect to these policies or the websites. Users are encouraged to carefully read the privacy policy of any website that they visit.

Children’s Privacy Protection

Protection of children’s privacy is a priority for Cashvia. We are committed to complying with applicable laws regarding children’s data.

Our services are not intended for individuals below the age of 18 years. We do not knowingly collect, store, or process personal information from anyone under 18 years of age.

If You Are a Parent or Guardian:

If you believe your child has provided personal information to us, please contact us immediately. We will take prompt steps to delete such information from our records.

We encourage parents and guardians to monitor and guide their children’s online activities and ensure they do not share personal information without permission.

Policy Updates & Changes

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons.

How We Notify You of Changes
  • Material changes will be notified via email or SMS to your registered contact details
  • Prominent notice on our website and mobile app
  • Updated 'Last Modified' date at the top of this policy
  • For significant changes, we may seek fresh consent
Your Acceptance

Continued use of our services after policy updates constitutes your acceptance of the modified policy. If you do not agree with the changes, please discontinue use of our services and contact us to close your account (subject to outstanding obligations).

We recommend reviewing this Privacy Policy periodically to stay informed about how we protect your information.

Grievance Redressal & Contact

In accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, we have appointed a Grievance Officer to address your privacy concerns and complaints.

Contact Details of Grievance Officer

Name:

Dhruv Bhardwaj

Designation:

Grievance Redressal Officer

Email:

support@cashvia.in

Phone:

+91-8800831648

Response Timeline:

We will acknowledge your complaint within 24 hours and resolve it within 30 days

How to File a Complaint
  • Send an email to the Grievance Officer with details of your concern
  • Include your name, contact details, and a description of the issue
  • Attach relevant documents or evidence if applicable
  • You will receive an acknowledgment with a complaint reference number
Escalation

If you are not satisfied with the resolution provided by our Grievance Officer, you may escalate your complaint to the Data Protection Board of India (once constituted) or approach the appropriate legal forum as per applicable laws.

Governing Law & Jurisdiction

This Privacy Policy and any disputes arising out of or related to it shall be governed by the laws of India, including but not limited to:

  • Information Technology Act, 2000 and Rules thereunder
  • Digital Personal Data Protection Act, 2023
  • Reserve Bank of India Act and Guidelines
  • Other applicable Indian laws and regulations

Jurisdiction:

Any disputes, claims, or legal proceedings arising from this Privacy Policy shall be subject to the exclusive jurisdiction of the courts located in [City Name], India.

Your Consent

By using our site, you hereby provide consent that you agree and consent to the collection, transfer, use, storage, disclosure, and sharing of your information as described and collected by us in accordance with this Policy.

If you do not agree with the Policy, please do not use or access our site.

Disclaimer

All the information on our website is published in good faith and for general information purposes only. Cashvia does not make any warranties about the completeness, reliability, and accuracy of this information. Any action you take upon the information you find on this website is strictly at your own risk. We will not be liable for any losses and/or damages in connection with the use of our site.

From our site, you can visit other sites by following hyperlinks to such external sites. While we strive to provide only quality links to useful and ethical websites, we have no control over the content and nature of these sites. These links to other websites do not imply a recommendation for all the content found on these sites.

Please be sure to check the Privacy Policies of external sites as well as their “Terms of Service” before engaging in any business or uploading any information.

© 2025 Cashvia. All rights reserved.

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