Aeries Financial Technology Private Limited (“us”, “we”, or “Aeries” or “Company”) is the exclusive licensee in Indian Territory of the internet resource www.cashe.co.in as well as the CASHe mobile application platform and any other application or software run under the brand name “CASHe. The CASHe application and software whether run through the internet resource www.cashe.co.in or through the CASHe mobile application or on any other media platform shall hereinafter be referred to as the “Website” or “CASHe”.

We value your concerns about online privacy & security while browsing through the Website and availing the Services available on the Website. We make every effort to guarantee that the information you provide will not be misused. This privacy policy (“Privacy Policy”) would apply to information we collect when you register with CASHe, or when you access or use our Website, or avail of the Loan and facilities on our Website (collectively the “Services”). Persons using the Services are hereinafter referred to as “Users” or “you”. By visiting the Website, you are accepting the terms of this Privacy Policy.

Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about Users. Any capitalized term used but not defined in this Privacy Policy shall have the meaning attributed to it in our User Terms and Conditions. We encourage you to familiarize yourself with our policies and let us know if you have any further questions.

Disclaimer

Aeries Financial Technology Private Limited is responsible for building the Website and providing for the technical support for the same. Bhanix Finance and Investment Ltd. is responsible for the Loan and other facilities provided through the Website. You acknowledge that Bhanix Finance and Investment Ltd. and not Aeries would be responsible for the contents displayed on the Website, loan and other facilities offered and for any breach of this Privacy Policy. CASHe reserves the right in its sole discretion to remove any content or data, information or material (“User Content”) from the Website from time to time.

In no event shall Aeries be liable to any User on account of any use, misuse or reliance on the Website for any damages whatsoever, including direct, special, punitive, indirect , consequential or incidental damages or damages for loss of profits, revenue, use, or data whether brought in warranty, contract, intellectual property infringement, tort (including negligence) or other theory, even if the Company is aware of or have been advised of the possibility of such damage, arising out of or connected with the use (or inability to use) or performance of the site. We do not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any User Content.

The foregoing limitations shall apply notwithstanding any failure of the essential purpose of any limited remedy and to the fullest extent permitted under applicable law.

What information does the Website and/or Application collect?

To create an account on CASHe, you must provide us with the basic details and information required as part of our Customer Identification process and you agree to our User Terms and Conditions and this Privacy Policy, which governs how we treat your information. The Website collects basic information required to provide customized services (for example: loan offers, content, more relevant ads), including your name, mailing address, postal code, job title, family details, employer details, phone number, PAN No., employment information, salary slips, declarations, your description and details in your account, financial information such as bank account, debit card or other payment instruments, Internet protocol (IP) address, URL used to connect your computer to the internet, etc.

You will register using your Facebook or LinkedIn or Google + account (“Third party sites”). You understand that, by creating an account or by registering through Third party sites, we and others will be able to identify you by your CASHe profile. However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein. CASHe will also not be liable for the photographs that the Users might upload, the use and misuse thereof. We will ask for your bank account details only for the Service.

Further, when you use the Website you provide us with your IP address. We may use cookies or similar electronic tools to store this information. We may store a cookie on your computer which in turn would store information about your geographical location.

All the information that you shall provide us is voluntary, including sensitive personal information. You understand that CASHe may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the Services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

Why does CASHe require permissions for the Android app?

Data Usage / Cookies

These are information stored by your browser on your computer when allowed. Use of cookies in our Website is similar to other online marketplaces. These are used to enhance your experience with our Website. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect Non-Personally Identifiable Information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors. In addition, we may use Third Party Advertising Companies to display advertisements on our Website. Most browsers automatically accept cookies, but you may be able to modify your browser settings to decline cookies. Please note that if you decline or delete these cookies, some parts of the Website may not work properly.

What steps does Website undertake to ensure Security of Personal Information?

You can access your personal identity details on our Website through your login and password, once your registration process and our verification processes complete. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server that only selected personnel contractors and authorised Agencies have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk.

Privacy Policies of Third Party Websites

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites that may be accessible through this Website have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website′s privacy policy. We are not responsible for the policies or practices of third parties.

You also permit to post your data on our Website for advertisement purposes. On termination of registration or on your request, the data will be deleted. You also permit us to retrieve your personal, public profile and friend list/ contact list from your Facebook or LinkedIn or Google + account in case you are using our internet resource www.cashe.co.in and your call history, phone / address book and geo location, in case you are using our CASHe mobile application. In the event of merger, amalgamation or acquisition, the data provided to us by User may be transferred to a third party, associates or affiliates of Aeries.

We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/ action or any manner required for the purposes of protecting our rights or interests. These third party websites and advertisers or internet advertising companies working on their behalf, sometimes use technology to send or serve data that appear on our Website directly to your browser. They automatically receive your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Please be advised that we do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third party websites are not covered by this Privacy Policy. Therefore, we are not responsible for the information or content they may contain, nor are we responsible for the privacy practices employed therein. Please contact them directly for more information about their privacy policies. This Privacy Policy applies solely to information collected by us through CASHe.

Any personal information will be used to allow you to login to your account or to resolve specific service issues, inform you of our new services or features, or for call centre verification, or to communicate with you in relation to your use of the Website. Any other information we collect will be used for-

We will share your personal information internally with those staff members who need it to carry out your instructions regarding the receipt of marketing information. We will not disclose your personal information to any third party without your written consent unless required to do so by law and/or covered under this Privacy Policy.

For those Users who have registered for the mailing list, their personal information is kept until we are notified that they no longer want their information stored.

Persons who supply us with their telephone numbers online may receive communication from us via telephone, text message or emails, pertaining exclusively to new services or any upcoming events. If you do not wish to be on our mailing list, you can let us know of your updated preferences by either emailing us at support@cashe.co.in or choosing “unsubscribe” option.

In order to provide and improve our Services and to share relevant ads with you, we use and disclose to our advertising and analytics partners non-personally identifiable information that we collect, including cookie data, some log data, and mobile data.

This Website complies fully with all the applicable and relevant laws of India. We have always cooperated with all law enforcement inquires. We may disclose all or part of your personal details in response to a request from the law enforcement authorities or in a case of bona fide requirement to prevent an imminent breach of the law.

Does the Website and/or Application share my information with companies/third parties/government agencies?

We respect that you do not want your personal information shared with other companies and therefore we are not in the business of selling it to others. We share information only as described below and with our group and affiliates who are subject to this privacy policy. We will keep your personal information that you provide to us confidential and limit access to it to those who specifically need it to conduct their business activities, except as otherwise permitted by applicable law.

Policy Changes:

We may update this Privacy Policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by means of a notice on the Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

General Matters

The Accuracy and Confidentiality of your Account Information is your Responsibility: You are responsible for maintaining the secrecy and accuracy of your password, email address, and other account information at all times. We recommend a strong password that you do not use with other services. We are not responsible for personal data transmitted to a third party as a result of an incorrect email address.

Confidentiality and Security: We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us.

We make all User information accessible to our employees, agents or partners and third parties only on a need-to-know basis, and bind all such employees to strict confidentiality obligations Notwithstanding the above, We are not responsible for the confidentiality, security or distribution of your personal information by our partners and third parties outside the scope of our agreement with such partners and third parties. Further, We shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of CashE including, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc.

Please be aware that you can opt out of receiving service messages from us.

Questions and Suggestions: If you have any questions or suggestions or wish to make a complaint you can contact us at support@cashe.co.in or write to us at the following address:

PRINCIPAL OFFICER-CASHe

BHANIX FINANCE AND INVESTMENT LTD

5th Floor, Paville House,

Twin Tower Lane, off Veer Savarkar Marg, Prabhadevi,

Mumbai - 400025.

Social Media (Features) and Widgets

Our Website includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these Features are governed by the privacy policy of the company providing it.