Privacy Policy

Societe Generale Global Solution Centre Pvt. Ltd (“we” or “our” or “us”) recognizes the importance of maintaining your privacy and values your privacy. In this Privacy Policy ("Policy"), we describe how we collect, use, and disclose information, including Personal Data when someone (“You”, “Your”, “User”, “Cardholder/Cardmember”), uses the Cashberry App (“App”) or website. ("Website").

This Privacy Policy applies to current and former users/visitors to our App or Website. By visiting and/or using our App or Website, you agree to this Privacy Policy.

"personal data" means data about or relating to a natural person who is directly or indirectly identifiable, having regard to any characteristic, trait, attribute or any other feature of the identity of such natural person, whether online or offline, or any combination of such features with any other information, and shall include any inference drawn from such data for the purpose of profiling.

1. Collection of Data

To avail/use our products and services or to engage with us, are required to provide some Personal Data, which includes but is not limited to the following:

• Your name, address, gender, mobile number, email ID etc.
• Your date of birth
• Bank card details

We may require you to provide additional details, as and when required, in order to comply with any applicable regulatory requirement or for additional services/ products via the App / Website, as and when offered, and may also utilise data lawfully obtained from third party service providers authorised by you, including but not limited to data pertaining to the your credit score, to provide the App, services / Website services to you, subject to the terms of this Privacy Policy.

We may collect information relating to your use of our App / Website such as your IP address, browser type, mobile operating system, manufacturer and model of your mobile device/computer, access time, geo locality and time spent. We may also collect information about the screens/pages you view within our App / Website and other actions you take while using our App / Website. However, we strive to keep automatically tracked information to a minimum. We may use third party services for such automatic collection, however no personally identifiable information will be shared with such third parties, unless required under applicable laws.

We may use third party services for such automatic collection, however no personally identifiable information will be shared with such third parties, unless required under applicable laws.

By providing your details/documents via the App / Website, including but not limited to personal data as mentioned herein above, you expressly consent to the processing of such information by us.

The providing of your Personal Data is voluntary. However, if you do not provide us your Personal Data, your request for the App, products and services may be incomplete and we will not be able to process your Personal Data for the Purposes outlined below and may cause us to be unable to allow you to use the Service.

If you choose to provide us with a third party's Personal Data, you represent and warrant that you have the third party's permission/consent to do so.

2. Purpose of Processing & Usage

We may use your Personal Data for our business requirements and related activities, which shall include, without limitation the following (the “Purpose”):

• To perform our obligations in respect of any contract entered with you;
• To provide you with any services pursuant to the Terms of Use related therein;
• To process your participation in any events, promotions, activities, focus groups, research studies, contests, polls, surveys or any productions and to communicate with you regarding your attendance thereto;
• Process, manage or verify your App for the Service pursuant to the Terms of Use herein;
• To validate and/or process payments pursuant to the Terms of Use herein;
• To develop, enhance and provide what is required pursuant to the Terms of Use herein to meet your needs;
• To process any refunds, rebates and or charges pursuant to the Terms of Use herein;
• To facilitate or enable any checks as may be required pursuant to the Terms of Use herein;
• To enable proper functioning of the App / Website.
• To respond to questions, comments and feedback from you;
• To communicate with you for any of the purposes listed herein;
• For internal administrative purposes, such as process improvements, data analysis, database optimizations;
• For purposes of detection, prevention and prosecution of crime;
• For us to comply with its obligations under any law;
• To send you alerts, newsletters, updates, mailers, promotional materials, special privileges, festive greetings from us, our partners, advertisers and or sponsors;
• To notify and invite you to event or activities organized by us, our partners, advertisers, and or sponsors;
• To process your application for any employment with us and for related purposes.

3. Log Files

This information may include Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or App / Website functionality.

4. Disclosure of Information

We may share your Personal Data with third-parties as described below:

• With our parent entity Societe Generale (SG) and its affiliates and subsidiaries worldwide in connection with the business activities of us and the SG Group.
• With third-party vendors, service providers, contractors, business partners or agents as required to perform specific tasks/obligations on our behalf.
• with our partners who perform services for us (eg. Payments, settlement, service providers etc.) and help us operate our business.
• With regulatory authorities to comply with regulatory requirements.
• With third-parties, in connection with a prospective or actual sale, merger, transfer or other reorganization of all or parts of our business.

5. Your Rights

Where permitted by law, we will take reasonable steps to permit you to access and modify Personal Data that you have submitted or shared with us, but we reserve the right to use Personal Data obtained or provided previously to verify your identity or take other actions that we believe are appropriate. You can also exercise your right to correction, update, deletion of your Personal Data under applicable data protection laws by contacting us directly at the email address provided below. We will respond to your request within 30 days. If we are unable to comply with your request, we will provide you with an explanation.

6. Information Security

We take appropriate security measures to protect against unauthorised access. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorised access to systems where we store personal data. All information gathered on our App / Website is securely stored within a controlled database. Access to the servers is password protected, controlled, and is strictly limited.

We have implemented following reasonable physical, administrative and technical safeguards to protect your Personal Data from misuse, and unauthorized access, disclosure, alteration and destruction:

7. Retention of Data

We will retain your information for as long as it is necessary for providing you the services available on the App or Website or your request for termination of your account with us, whichever is later.

Post termination of your account, we may continue to use your anonymised data aggregated or in combination with anonymised data of other users. We use this aggregated anonymised data for data analysis, profiling and research purposes. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defence of a legal claim or for providing evidence in legal proceeding(s) if required.

8. Confidentiality of your Account

You are solely responsible for maintaining the security of your account and its credentials and must not provide these credentials including the Personal Identification Number (PIN) assigned to you to any third party. We are not responsible or liable if someone else accesses your account through the credentials they have obtained from you or through a violation by you of this Privacy Policy.

9. Link to Third-party Sites

Our Website and Services may contain links to third party websites or automatically produce search results that refer or link to other party websites. We are providing these links to you only as a convenience and the inclusion of any of these links does not constitute any endorsement by us. Links to other websites are not under the control of us and we are not responsible for the content or the accuracy or reliability of any such contents and materials made on any linked site or any link contained in a linked site, or any changes or updates to such sites. Any access to and use of such linked sites is not governed by this Policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information and privacy practices of such third-party websites. Third parties may independently collect information about their website visitors. We cannot control the collection of this information. Your use of third-party websites is at your own risk.

10. Cookies

We and our third-party service providers use cookies and other common web tracking mechanisms to track information about your use of our Website and Services. We may use this information, which is collected and remains in aggregate form, to understand how visitors use our Website so that we can better tailor our interactions with you when you browse our Website and to improve our Website.

11. Contact Us

If you have any queries, complaint, grievance or want to exercise your rights under the relevant regulation, you may write to us at support@cashberryapp.com.

12. Changes to Policy

We reserve the right to change or modify the Policy at any time and in our sole discretion. If we decide to change our Policy, we will post those changes on this page. When you visit the Website, you are accepting the current version of this Policy as posted on the Website at that time. We recommend that users revisit this Policy on occasion to learn of any changes.

13. Governing Law & Jurisdiction

This Policy shall be governed and construed in accordance with the laws of India. The courts of Bangalore shall have the exclusive jurisdiction for any litigation that may arise under this Policy.