Privacy Policy

1. Introduction

Hello Cash ("Hello Cash", "we", "us", or "our") respects your privacy and recognizes the importance of protecting personal information that you provide when accessing our website, forms, services, and other digital interfaces (collectively, the "Platform").

This Privacy Policy explains the categories of information that may be collected through the Platform, why such information is collected, how it may be used or shared, how it is protected, and the choices that may be available to you.

By using the Platform or submitting information through it, you acknowledge that you have read this Privacy Policy. Where consent is required by applicable law, information will be processed based on the consent obtained from you or another applicable lawful basis.

2. Scope and Applicable Framework

This Privacy Policy applies to personal information processed through Hello Cash's website and related digital services.

Our handling of personal information is intended to comply with applicable Indian laws, regulations and regulatory requirements, as amended from time to time, including applicable data-protection, information-technology and financial-services requirements.

Where a regulated lending partner or another third party processes your information independently, its own privacy policy and legal obligations may also apply.

3. Our Role

Depending on the specific service, Hello Cash may collect and process information directly or facilitate the submission of information to authorized service providers or lending partners.

The respective roles of Hello Cash and any lending or service partner may vary based on the transaction, contractual arrangements, and applicable regulatory requirements.

4. Information We May Collect

The information collected depends on the features or services that you use. It may include the following categories.

4.1 Personal and Contact Information

• Full name
• Mobile number
• Email address
• Date of birth
• Residential or correspondence address
• Other information that you voluntarily submit through forms or communications

4.2 Identity and Verification Information

• Identity-document information where required for lawful verification
• Know Your Customer (KYC) information where applicable
• Information required to verify the authenticity or accuracy of an application

4.3 Financial and Employment Information

• Employment or occupation information
• Income information
• Bank-account information where required for the relevant service
• Loan amount, repayment, or related financial information
• Credit-related information where lawfully obtained from authorized sources

4.4 Device and Technical Information

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and referring URLs
• Date and time of access
• Website usage and interaction information

5. How Information May Be Collected

Information may be collected when you:

• Visit or browse the Platform
• Submit an eligibility or loan enquiry
• Complete an online application
• Contact our customer-support team
• Submit a contact or enquiry form
• Communicate with us through telephone, email, WhatsApp, or another available communication channel
• Interact with cookies or similar technologies where applicable

We may also receive information from authorized third parties where permitted by law and appropriate consent or another lawful basis exists.

6. Purposes of Processing

Personal information may be processed for purposes that include:

• Processing enquiries and applications
• Assessing preliminary eligibility
• Identity verification and applicable KYC procedures
• Facilitating services requested by you
• Communicating application or service information
• Responding to customer-service requests
• Detecting and preventing fraud or unauthorized use
• Maintaining Platform security and functionality
• Complying with applicable legal and regulatory obligations
• Establishing, exercising, or defending legal rights
• Improving the Platform and user experience

7. Lending Partners and Service Providers

Where necessary to provide a service requested by you, personal information may be shared with appropriate third parties, subject to applicable law and contractual or regulatory requirements.

These may include:

• Authorized lending partners
• Identity, KYC, fraud-prevention, and verification service providers
• Credit information companies where applicable
• Technology, hosting, communications, and cloud-service providers
• Professional advisers, auditors, and compliance providers
• Government, law-enforcement, judicial, or regulatory authorities where disclosure is legally required

Third parties receiving information may have independent legal and privacy obligations. You should review the applicable lender or third-party privacy notices where relevant.

8. Marketing and Communications

Where permitted by law and based on the consent or other lawful basis required for the relevant communication, Hello Cash may contact you regarding services, applications, enquiries, or relevant offers.

You may request that optional marketing communications stop by using an available unsubscribe mechanism or by contacting us using the details provided below.

Transactional, security, regulatory, or service-related communications may still be sent where required or permitted.

9. Cookies and Similar Technologies

The Platform may use cookies or similar technologies to operate website features, remember preferences, improve performance, understand website usage, and protect the Platform.

Where required, consent will be requested before non-essential cookies or similar technologies are used. You can also control certain cookies using your browser settings.

10. Data Security

Hello Cash uses reasonable technical and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, misuse, loss, or destruction.

Such measures may include access controls, secure communications, monitoring, authentication, and other safeguards appropriate to the nature of the information and services involved.

No internet transmission or storage system can be guaranteed to be completely secure. Users should also protect their devices, passwords, OTPs and other account credentials.

11. Data Retention

Personal information will generally be retained only for as long as reasonably necessary for the purposes for which it was collected, subject to applicable legal, regulatory, contractual, accounting, dispute-resolution, and compliance requirements.

When information is no longer required, it may be securely deleted, destroyed, anonymized, or archived as appropriate and permitted by applicable law.

12. Your Privacy Rights

Subject to applicable law, you may have rights concerning your personal information, including the ability to:

• Request information regarding its processing
• Request correction of inaccurate information
• Request completion or updating of information where applicable
• Withdraw consent where processing is based on consent, subject to legal limitations and consequences
• Request deletion or erasure where a right to do so applies
• Raise a complaint or grievance regarding the handling of personal information

We may need to verify your identity before acting on a privacy-related request.

13. Children's Privacy

The Platform is intended for adults who are legally eligible to use the applicable financial services. We do not knowingly solicit loan applications from children.

If you believe information relating to a child has been submitted inappropriately, please contact us.

14. Third-Party Websites

The Platform may contain links to websites, applications, or services operated by third parties. Hello Cash does not control the privacy practices of independent third parties.

Please review the relevant third party's privacy policy before providing personal information to it.

15. Grievance and Privacy Requests

If you have a question, concern, complaint, or request concerning personal information or this Privacy Policy, you can contact Hello Cash using the details below.

Before publishing this page, insert the actual details of the person/entity responsible for grievance handling where required by applicable law.

16. Changes to this Privacy Policy

This Privacy Policy may be revised periodically to reflect changes to our services, business practices, legal obligations, or regulatory requirements.

An updated version will be published on this page with the applicable "Last updated" date. Where required by law, additional notice or consent may be provided or obtained.

17. Contact Us

For questions about this Privacy Policy, please contact:

Hello Cash
Email: enquiry@hellocash.net.in
Phone: +91 89102 03005

You can also use our Contact Us page.