Privacy Policy

The Application may include personal, educational, employment, income, banking, tax, credit, identity, immigration, loan and collateral information relating to you and one or more Co-Applicants. The information and documents collected at each stage will be limited to the applicable purpose described in the Privacy Notice or collection screen.

Where you include one or more Co-Applicants in an Application, their information may be considered for identifying potentially suitable Lender options and will be subject to the relevant Lender’s independent verification and eligibility criteria.

You must provide information relating to a Co-Applicant only with that person’s knowledge and valid authorisation. PPIPL may use the credit-related information provided through the Platform for indicative evaluation and facilitation of the Application and may share it with one or more Lenders selected and authorised by you.

PPIPL does not obtain a credit report or independently verify the credit-related information provided through the Platform. The relevant Lender may independently verify such information, obtain credit information and conduct its own due diligence in accordance with its procedures and Applicable Law.

The Platform may request documents, including identity, academic, admission, income, tax, banking, photograph, credit-related and collateral documents, only to the extent reasonably required to facilitate the Application or transmit it to one or more Lenders selected and authorised by you.

Where an Aadhaar document is requested, it must be provided in the form specified on the applicable collection screen and permitted under Applicable Law. PPIPL does not conduct Aadhaar authentication or offline verification. Any such authentication or verification will be independently undertaken by the selected Lender in accordance with its applicable terms, privacy notice and Applicable Law.

Your Application and documents will be shared with one or more Lender(s) selected and authorized by you through the Platform.

Where you request or authorise PPIPL to seek a revised offer or another Lender option, PPIPL may transmit the information reasonably required for that purpose. Any new sharing will be recorded and governed by the applicable notice and authorisation.

Documents may be transmitted to the selected Lenders through a password-protected ZIP file or another secure transmission method adopted by PPIPL. PPIPL will use reasonable technical and organisational safeguards appropriate to the nature of the information and will limit access to authorised recipients.

After a Lender receives an Application, that Lender may independently process and retain the information under its own notices, legal obligations and contractual arrangements. PPIPL does not control the Lender’s independent credit decision or processing.

PPIPL and its authorised service providers may contact you for Application-related purposes through calls, email, SMS or WhatsApp. A Lender selected by you may contact you separately in connection with the Application in accordance with its applicable terms and privacy notice.

Promotional communications unrelated to an active Application will be sent only in accordance with Applicable Law and your recorded preferences. You may opt out of these communications at any time by emailing contact@college.money. Opting out will not prevent us from sending communications required by Applicable Law.

Withdrawal from promotional communications will not prevent communications reasonably necessary to process, secure or close an existing Application.

PPIPL will process personal data in accordance with the Privacy Notice as per Applicable Law. These Terms do not replace the Privacy Notice or any separate credit-information authorisation.

PPIPL may use service providers for hosting, storage, identity checks, communications, analytics, security and operational support, subject to appropriate contractual and security controls.

The confirmed data-storage and processing locations are in India.

Application records and documents will be retained for 45 (forty-five) days from the date of disbursal or for the period reasonably required for the stated purpose, lender transfer, audit, reconciliation, fraud prevention, dispute handling or legal compliance, and will then be deleted or anonymised in accordance with the Applicable Laws.

You may request access, correction, withdrawal, deletion or grievance handling by writing to us at nisha@cashkaro.com, priyam.sameer@cashkaro.com, subject to Applicable Law and limitations that apply after information has been shared with an independent Lender.

Withdrawal may prevent further evaluation or processing but will not automatically reverse disclosures already made or require deletion of records that PPIPL or a Lender must lawfully retain.

Selected Lenders may independently engage credit bureaus, valuation providers, educational institutions and other third parties for processing the Application. Their activities may be governed by separate terms and privacy notices.

We shall adhere to all obligations imposed by law regarding the handling, processing, and protection of your personal information (PI). Your personal data will be treated with confidentiality and care, and we will take appropriate measures to safeguard it against unauthorized access, disclosure, alteration, or destruction. These measures will be in compliance with the applicable data protection laws and regulations. Any disclosure of your personal data to third parties will be made in accordance with applicable laws and regulations, including obtaining your explicit consent when required.

In the event of any breach of data protection laws or regulations, we will inform you promptly and take steps to address any potential adverse effects arising from such a breach. By using the Platform, you agree to these Terms and we shall not be held liable for any disputes arising from the handling of your personal data, except as required by law.

The details of the Grievance Officer of the Platform are as follows:

Any user having a complaint regarding a violation of these Terms may submit a written complaint to the Grievance Officer at the contact details provided above. The Grievance Officer shall acknowledge receipt of the complaint within seventy-two (72) hours and resolve the complaint within one (1) month from the date of receipt.