01 / COLLECTION

Information We Collect

We collect personal and financial information when you apply for a loan or interact with the HandyCash platform. This may include your name, phone number, email address, PAN, Aadhaar, date of birth and address details.

We may also collect employment details, salary information and bank account data to process your loan. Technical information such as IP address, device type, browser type and cookies may also be collected.

We collect information necessary for verification, compliance and loan processing.

02 / USAGE

Use of Information

Your information is used to evaluate loan eligibility and process your application. We may use it to verify identity, perform credit checks and prevent fraud.

Information may also be used to provide customer support, improve services and send important notifications relating to your loan and repayment schedule.

We do not use your information for unrelated marketing without consent.

03 / SECURITY

Data Security

We implement industry-standard security measures to protect your data. Data transmissions are protected using secure protocols and access to personal information is restricted to authorised personnel.

Our systems are monitored to help prevent unauthorised access or misuse. Users should also protect their login credentials and avoid sharing passwords or verification information with unauthorised persons.

04 / SHARING

Sharing of Information

We may share information with credit bureaus such as CIBIL for verification. Information may also be shared with banking partners for loan disbursal and with third-party service providers for verification and processing.

We do not sell your personal information to unauthorised parties. Information is shared where necessary for loan processing, service delivery, verification or where required by law.

05 / CONSENT

Consent

By applying for a loan, you consent to the collection and use of your information for the purposes described in this Privacy Policy.

You agree to applicable verification through PAN, Aadhaar and credit bureaus and to being contacted regarding your application.

You may request withdrawal of consent by contacting HandyCash, subject to applicable legal and regulatory requirements. Withdrawal of consent may affect your ability to use certain services.

06 / COOKIES

Cookies Policy

The HandyCash website may use cookies to improve user experience, remember preferences and maintain relevant sessions.

Analytics cookies may be used to understand website usage and performance. Users may disable cookies through their browser settings; however, doing so may affect certain website features.

07 / CREDIT CHECKS

Credit Bureau Checks

We may access your credit report to assess eligibility. Credit information may be considered when determining loan approval and applicable loan terms.

Repayment history may be reported to applicable credit bureaus. Late or missed payments may affect your credit profile.

By applying, you provide the applicable authorisation for such checks.

08 / RETENTION

Data Retention

We retain information for as long as required under applicable legal, regulatory, operational and audit requirements.

Certain information may continue to be retained after loan closure where necessary for regulatory or record-keeping purposes. After the applicable retention period, data may be securely deleted in accordance with relevant procedures.

09 / THIRD PARTIES

Third-Party Services

We may use third-party verification, payment and other service providers. Such providers may access information required to perform their respective functions.

External websites linked from the HandyCash platform may operate under their own privacy policies. Users should review the applicable policies when interacting with external websites or services.

10 / COMMUNICATION

Communication

HandyCash may contact you through calls, SMS, WhatsApp, email or other applicable communication channels regarding your application, loan updates and repayment reminders.

Promotional communications may be sent with applicable consent. Users may opt out of eligible marketing communications, while essential transactional communications may continue where required for service delivery.

11 / RESPONSIBILITY

User Responsibilities

Users are responsible for providing accurate and complete information. False or misleading information may affect application processing.

Users should keep their login and account details secure. You are responsible for activity performed through your account, subject to applicable terms.

12 / ACCURACY

Data Accuracy

We aim to maintain accurate and updated information. Users may request correction of inaccurate personal information through the applicable support channel.

Keeping information current helps support accurate verification and service delivery. Incorrect or outdated information may affect loan processing.

13 / AGE RESTRICTION

Children's Privacy

HandyCash services are intended for individuals aged 18 years or above. We do not knowingly collect personal information from minors for loan services.

If information relating to a minor is identified, appropriate action may be taken regarding its removal. Parents or guardians may contact us regarding such information.

14 / COMPLIANCE

Legal Compliance

Personal information may be processed in accordance with applicable Indian laws and regulatory requirements.

Information may be disclosed where required by law, regulation, court order or a lawful request from an authorised regulatory or government authority.

15 / YOUR RIGHTS

Data Protection Rights

Users may request access to or correction of their personal information and may request deletion where applicable.

Certain requests may be subject to applicable legal, regulatory or record-retention requirements. Requests may be submitted through the HandyCash support channel and will be reviewed within a reasonable period.

16 / UPDATES

Updates to Policy

HandyCash may update this Privacy Policy from time to time. Changes will be made available on this page.

Users are encouraged to review the Privacy Policy periodically to remain informed about applicable privacy practices and policy changes.

17 / STORAGE

Data Storage

Data is stored using systems intended to provide appropriate security and access controls. Access to personal information is restricted and monitored.

Backup and security processes may be used to help maintain data integrity and availability. Appropriate security practices are periodically reviewed.