This Privacy Policy applies to the "CashBee" application (hereinafter referred to as "this Application") developed and operated by SHASHWAT INFOSYSTEM PRIVATE LIMITED.
We place great importance on the protection of your personal information and privacy, and are committed to collecting, using, and protecting your information in compliance with current laws. Before using this Application, please carefully read this Privacy Policy to understand how we handle your personal information. We strictly comply with India's Personal Data Protection Act and relevant laws and regulations, and refer to applicable international information security standards to ensure the security of your personal information and your privacy rights.
This Privacy Policy details how we legally collect, use, store, share, and transfer your personal information during the provision of CashBee products and related services, and explains the technical and management measures we take to protect information security. For clarity, we use clear and concise language and define key terms within the policy content.
By registering, you indicate that you have fully read this Privacy Policy and agree to our collection and use of your personal information according to this policy and relevant legal provisions. Before deciding whether to provide us with sensitive information, please carefully consider whether you agree to our use of such sensitive information for the purposes and methods described in this policy. We will only collect and use your sensitive information with your explicit consent, to ensure the proper functioning of certain functions. If you do not agree to or cannot provide sensitive information, but this may affect the use of certain products or services. If you have any questions, please contact our customer service.
This Application and its services are only available to adults aged 18 years or older. If you are under 18, please immediately stop using CashBee services.
This Privacy Policy will help you understand the following:
We will collect and use your personal information based on the principles of legality, fairness, and necessity. In order to provide you with our products and services, we will collect the following types of information from you:
When you register and use our services, you voluntarily provide us with the following personal information:
Device Information:
To maintain platform safety, verify device identity, and perform risk control, we may collect certain information from your device for identity confirmation, fraud prevention, and risk analysis, ensuring more accurate credit-related services. If you choose not to provide the device information listed below, it will not impact basic feature usage; however, it may reduce the precision of our risk assessment, which could influence loan recommendations and evaluation results. The types of data we may gather include: device name, device model, brand, operating system and version, screen resolution, memory details, Android ID, IP address, Google Advertising ID, system language, carrier information, network type, battery level, and other similar device attributes.
SMS:
When you submit a loan application, we require your authorization to access SMS messages. During the application process, we scan and extract only financial-related SMS messages from your device. The SMS content we may collect includes the following fields: address, body, date, type, _id, date_sent, read, seen, status, and person. Through analyzing these financial messages, we can better understand your income and spending patterns, which help us evaluate your risk level and creditworthiness. This information supports improving the loan approval speed and assists regulated financial partners in offering you suitable loan services. SMS collection occurs only after receiving your explicit consent. These messages will be uploaded to https://c438b.com
, protected via 256-bit TLS encryption during transmission. Once the creditworthiness assessment is completed, the SMS data will be removed.
Call Log:
During login using verification codes, you may sometimes experience issues receiving SMS codes. To help you complete login successfully, we offer an alternative verification method via phone call. Granting this permission accelerates the voice-based verification process. This permission is optional—refusing it will not hinder your normal app usage.
List of Installed Applications:
To strengthen risk control and ensure that loan services remain secure and compliant, we may, with your clear authorization, collect information about applications installed on your device. By reviewing this list, we can identify high-risk patterns (such as gambling, illegal lending, or cryptocurrency-related activities) and refine risk-control strategies accordingly. The information collected may include: app name, package identifier, installation and update timestamps, version number, and whether the app is a system-level app. All collected data will be securely transmitted to an encrypted data center at https://c438b.com
and protected using encryption measures. Without your explicit authorization, this information will neither be used for unrelated purposes nor shared with third parties. If you deny permission, basic functionalities remain unaffected, though personalized recommendations and risk assessments may become less accurate.
Phone Contact Information:
When you apply for a loan through our application, we may need to access part of your contact list to obtain emergency contact details. These details help us prevent fraud, verify creditworthiness, and maintain smooth communication with you. The collected information may include the contact's phone number, name, and your relationship with that contact. All data will be securely uploaded to the encrypted server at https://c438b.com
, where it will be protected with encryption. Without your authorization, this information will not be used for other purposes nor shared with third parties.
Camera Permission:
To guarantee the security and integrity of the identity verification process, when you perform identity verification, we may request access to your camera to capture a photo of your ID (KTP). This helps verify the authenticity and consistency of your identity, prevent misuse or fraud, and improve verification accuracy. The images collected are used only for identity verification and stored securely at https://c438b.com
with encryption protections. They will not be used for unrelated purposes or shared without your authorization. Refusing the camera permission may result in verification failure and could limit access to certain loan services.
Images:
During identity verification, you may also choose to upload an ID (KTP) image from your device's gallery. We will not request or store any additional photo types. The collected ID images are solely used for identity verification and stored securely at https://c438b.com
, with strict encryption protection. Without your permission, the data will not be repurposed or disclosed to any third party.
Approximate Location Information:
To ensure account safety, perform risk analysis, and comply with regulatory requirements, we may collect approximate location information when you use the CashBee application. By evaluating your location data, we can detect unusual account activities—such as rapid location changes or attempts to apply for loans from different regions—so that risk-control measures can be activated promptly to prevent fraudulent behavior. The approximate location data includes latitude and longitude only. This information is exclusively employed for risk control and compliance—not for advertising or marketing. If permission is declined, basic features remain available, though our ability to identify risks and provide accurate loan matching may be reduced.
Notification Permission:
To deliver important updates—such as loan status, policy changes, or security alerts—we require your authorization to send notifications to your device. Once authorized, you will receive timely notifications that help you manage your loan application and ensure account safety. Declining this permission may result in missing significant alerts, but it will not affect the normal use of loan services. We use this permission solely to send service-related notifications and do not collect personal information through it.
Activity Logs:
While you use the platform, we may gather operational logs such as timestamps, pages you visited, and click actions. These logs are used to analyze platform stability, monitor system performance, detect issues or security risks, and continuously optimize user experience and product features. We guarantee that operational log data is used strictly for internal improvement, kept confidential, not used for other unrelated purposes, and not disclosed to third parties without your consent.
We obtain this information solely for purposes such as evaluating your credit condition, confirming your identity, and ensuring the security of your account. Before any data is collected, we will explicitly notify you of the specific categories of information needed. Information will only be gathered after you have provided clear and affirmative consent. Without such consent, we will neither collect the relevant data nor disclose or transfer it to any third party. We are dedicated to applying rigorous protection measures to safeguard your personal information to the greatest extent possible and to prevent any unauthorized access, leakage, or misuse.
We use the collected personal information for the following purposes:
We use your personal information for the purposes described in this Privacy Policy and will not use it for other purposes without your explicit consent. We will take reasonable measures to ensure that the collected personal information is accurate, complete, and up-to-date.
We respect your privacy and will not share your personal information with any third parties except in the following cases:
We will share your personal information with third parties only with your explicit consent.
We may share your personal information with our affiliated companies to provide you with consistent services. Our affiliated companies will be bound by this Privacy Policy and other confidentiality and security measures.
We may share your personal information with service providers who assist us in providing services, such as payment processors, credit reference agencies, data storage service providers, etc. These service providers can only use your personal information for the purpose of providing services to us and must take strict confidentiality and security measures.
We may share your personal information in the following circumstances:
We take a series of security measures to protect your personal information, including but not limited to:
Despite the security measures we take, please note that no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your personal information, but we will continue to take reasonable measures to protect your personal information.
You have the following rights regarding your personal information:
You have the right to access your personal information held by us. You can log in to your account to view basic personal information, or contact our customer service to request access to other personal information.
If you find that your personal information held by us is inaccurate or incomplete, you have the right to request correction or supplementation. You can log in to your account to modify basic personal information, or contact our customer service to request correction of other personal information.
In the following cases, you have the right to request deletion of your personal information:
In the following cases, you have the right to request restriction of the processing of your personal information:
You have the right to receive the personal information that you provide to us in a structured, commonly used, and machine-readable format, and have the right to transmit such data to other data controllers under certain circumstances.
You have the right to object to our processing of your personal information based on our legitimate interests or for direct marketing purposes. If you object, we will stop processing your personal information unless we can prove that there are compelling legitimate reasons for the processing that override your interests, rights, and freedoms, or for the purpose of exercising, defending, or filing a claim.
You have the right to withdraw your consent to our processing of your personal information at any time. Please note that withdrawing consent will not affect the validity of the processing of your personal information based on your consent before withdrawal.
If you want to exercise any of the above rights, please contact our customer service using the contact information provided below. We will respond to your request within one month from the date of receipt. If we believe that your request is excessive or unreasonable, we may reject your request or charge a reasonable fee for processing your request.
Our Application may contain links to third-party websites or services. This Privacy Policy does not apply to these third-party websites or services. We are not responsible for the privacy practices or content of these third-party websites or services. We encourage you to carefully read the privacy policies of these third-party websites or services before using them.
We may integrate third-party SDKs or similar technologies into our Application to provide better services. These third-party SDKs may collect and process your personal information. We will require these third parties to take appropriate measures to protect your personal information and ensure that they only use your personal information for the purpose of providing services to us.
Our Application may use cookies and similar tracking technologies to provide you with a better experience, improve our services, and conduct research and analysis. Cookies are small text files stored on your device when you visit a website or use an application.
Most web browsers allow you to control cookies through their settings. You can usually set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some functions of our Application.
Our Application and its services are not intended for children under the age of 18. We do not knowingly collect, use, or disclose personal information from children under the age of 18. If we discover that we have collected personal information from a child under the age of 18 without the verifiable consent of their parent or guardian, we will immediately delete the information from our records.
If you are a parent or guardian and you are aware that your child has provided us with personal information without your consent, please contact us immediately using the contact information provided below so that we can take the necessary measures.
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable laws, or regulatory requirements. When we update this Privacy Policy, we will post the updated version on our Application and, if necessary, notify you through appropriate channels (such as email, in-App notifications, etc.).
We encourage you to regularly review this Privacy Policy to understand how we protect your personal information. Your continued use of our Application after the update constitutes your acceptance of the updated Privacy Policy.
If you have any questions, comments, or suggestions about this Privacy Policy or our privacy practices, or if you want to exercise your data subject rights, please contact us through the following channels:
SHASHWAT INFOSYSTEM PRIVATE LIMITED
R HOUSE NO D-3 G N 424 SAGAR HEIGHTS NEW PAHA Aurangabad (MH) Aurangabad Aurangabad MH 431001 IN
Email: shashwatinfosystem6@gmail.com
Phone: +91 78374 73662
We will make every effort to respond to your inquiries and resolve your concerns within a reasonable time frame.