This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
how we use your information;
how your information is stored and shared;
your rights; and
other useful privacy and security-related matters.
How can you share your concerns regarding privacy with us
We recommend you take the time to read this policy and our Terms and Conditions.
Your continued use of the Kashware mobile application following the posting of changes will mean that You accept and agree to the revisions.
Types of Data required and stored as a part of application request to avail our services from us.
Date of birth
ID document details (Passport, Adhaar Card, Driving License and Voter ID)
Images of document
Employment status and industry
Employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for Central KYC Records Registry (CKYCR) purposes under Prevention of Money Laundering (Maintenance of Records) Rules, 2005
Specimen signature(s) for processing of your instructions received by us through our various payment channels;
Opinions provided by you to us by way of feedback or responses to surveys;
Calls with our customer services
Details of the funding card(s) added to your Kashware account and your Kashware card including your card number, expiring date, CVV number, name, and billing address
Details of your credit history held at credit reference agencies.
Home and shipping address
Information about your transactions and purchases
Internet Protocol (IP) address used to connect your computer/mobile device to the internet location, a model of your phone, Geo-location
Your communication preferences, social media handles, feedback, survey, and questionnaire responses.
Aggregated Data such as statistical or demographic data. This means your data is bundled up with other people’s data.
Tracking Cookies Data
Where do we collect this information from?
Direct interactions, including when you:
Create an account
Use the product & its features
Contact us or provide feedback
Link accessed by you
Automatic collection by us, including:
Technical data from your electronic devices, browsing actions, and patterns. This is collected using cookies, server logs, and similar technologies.
From third parties or publicly available information, including:
Payment services and e-wallet providers
Customer service providers
Credit reference agencies
What do we use your information for?
We’ll only use your data to help provide the best product experience possible and where it's lawful to do so:
Purpose: Signing you up as a Kashware customer and creating your account
Data: Identity, Contact, Financial, Device
Lawful basis: Contract, Legal obligation (the law requires us to verify your identity)
Purpose: Confirm your identity and help prevent fraud
Data: Identity, Contact, Financial, Transaction, Device
Lawful basis: Legal obligation, Legitimate interests (to ensure we use the best fraud prevention providers when performing our services)
Purpose: Provide you with Kashware products and services and manage your account
Data: Identity, Contact, Financial, Transaction
Lawful basis: Contract, Legitimate interests (to provide you with services and recover fees)
Purpose: Conduct credit checks and provide Kashware credit products and services
Data: Identity, Contact, Financial, Transaction
Lawful basis: Consent
Purpose: Process your payment transactions, including Kashware Send
Data: Identity, Contact, Financial, Transaction, Device
Lawful basis: Contract, Legal obligation, Legitimate interests (to facilitate transactions and maintain the integrity of Kashware systems)
Purpose: Provide you third-party services, including Samsung Pay
Data: Identity, Financial, Transaction, Profile
Lawful basis: Contract, Consent (for profile data)
Purpose: Manage our relationship, including updates to our terms and providing top-notch customer support
Data: Identity, Contact, Transaction, Profile, Device
Lawful basis: Contract, Legal obligation, Legitimate interests (to keep our records updated, delight our customers and improve our product)
*Please note we may record your calls with our customer services team for training and monitoring purposes.
Purpose: Improve our services and troubleshoot
Data: Identity, Contact, Device
Lawful basis: Legitimate interests (to delight our customers and improve our products)
Purpose: Suggest goods, services, programs, or activities that may be of interest to you
Data: Identity, Contact, Device, Profile, Financial, Transaction
Lawful basis: Consent, Legitimate interests (to develop our product offering and grow our business).
Purpose: Send you marketing communications
Data: Identity, Contact, Profile, Device, Transaction
Lawful basis: Consent, Legitimate interests (to ensure you are kept up to date with our services)
Purpose: Comply with regulations and legal obligations
Data: Identity, Contact, Financial
Lawful basis: Legal obligation
Process with your consent.
In certain jurisdictions, consent is the primary ground on which personal data may be processed by an organisation. In those jurisdictions, processing personal data in connection with the performance of a contract or legitimate purposes is not recognised as an accepted ground on which personal data may be processed. Accordingly, if you are a resident in such a jurisdiction, you agree that consent will be the ground on which Kashware will process your personal data instead of performance of a contract or legitimate purposes.
We’ll only ever use your personal data for the purpose we collected it or a similar, connected purpose. If we ever need to use your information for an unrelated purpose, we’ll let you know and explain why.
Note that we can anonymise or aggregate any of the information we collect and use it for any purpose, including for research and product-development purposes. Such information will not identify you individually.
We do not collect and process the personal data of children under the relevant minimum age under applicable local legal requirements except for specific services and upon the consent of the holder of parental responsibility.
Links to Other Websites
Kashware may use the collected data for various purposes including but not limited to:
To provide and maintain our Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service when you choose to do so
To provide customer support
To gather analysis or valuable information so that we can improve our Service
To monitor the usage of our Service
To detect, prevent and address technical issues
Transfer of Data
Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside India and choose to provide information to us, please note that we transfer the data, including Personal Data, to India and process it there.
Disclosure of Data
When we share data with third parties, they can only process it for specific purposes and in accordance with our instructions. Here’s who we share data with and why:
Kashware group companies
We share your personal data within our Kashware group of companies in order to provide you with the best service.
Sign-up and verification checks
Identity checking and fraud prevention partners.
When Kashware shares data with identity and fraud prevention partners, they will become a joint controller of your data to determine how your data will be used to best provide their services.
Hosting and IT services
IT vendors including cloud storage providers to securely store your personal data.
Making and sending your Kashware card
Card manufacturing, personalization, and delivery companies.
Financial services providers, including card issuers, payment processors, and banking partners to facilitate payment transactions.
People or companies that you transfer money to from your Kashware card
Where you make a payment from your Kashware account, we will share your first and last name with the recipient in their transaction history.
You will enter into a separate agreement with AXA to enable them to provide you with insurance. This means AXA is wholly responsible for your data for insurance purposes (rather than Kashware). Further information is available here.
Digital marketing (Google, Bing, Facebook, LinkedIn and others) for targeted marketing purposes
Social media sites, for the purposes of conducting market research and running marketing campaigns. When sharing data with these sites, we ensure that your data is only used in accordance with our instructions.
If you don’t want us to use your information in this way, you can contact us at firstname.lastname@example.org or via the app.
Analytics and search engine service providers and customer experience support platforms to optimize and improve our services.
If you contact our customer services line out of hours, our external team will manage your inquiries. We will become joint controllers of your data as they will determine the means of collecting your data on our behalf.
Third-party payment partners
Third-party payment service partners including RBL Bank, Zeta, Paytm, Razorpay, HDFC bank, Rupay, Mastercard, and more.
Kashware will only share your data with a third-party payment partner if you have opted to use their service with your Kashware card. When we share your data with third-party payment partners, they will become an independent controller of your data to determine how your data will be used to best provide their services.
Third parties we may sell the business to or acquire.
We may also share anonymized, aggregated data with selected e-wallet and data analytics service providers. This means your data is bundled up with other people’s data and you aren’t identifiable as an individual.
What are your rights?
Access the personal data we hold about you and/or in some circumstances, have it sent to another person
Correct ask us to correct inaccurate data
These rights may be limited, for example if fulfilling your request would reveal personal data about another person, or if you ask us to delete information which we are required by law to keep or have compelling legitimate interests in keeping.
Request deletion of your data, although for legal reasons we might not always be able to do so
Restrict or object to our processing for direct marketing
Withdraw any consent you’ve given us to use your personal data in a specific way
Request a review of any automated decision made by technology.
You have choices about the personal information you provide Kashware. You may choose not to provide information that we request, but if you do so, we may not be able to provide you a relevant service or a particular feature for an Olam website, app, or product.
If you want to do any of the above, drop our friendly customer support team a line at email@example.com or via the Kashware app. We have one month to respond unless your request is complicated, in which case we may need more time. If that’s the case, we’ll let you know. This is almost always free but we’re allowed to charge a reasonable fee or refuse your request if it’s clearly unfounded, repetitive, or excessive.
If you fail to provide personal data
Where we need you to provide personal data by law, or under the terms of any contract we may have with you, or in order to enter into a contract, we will inform you. If you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with a Kashware account). In this case, we may have to cancel a product or service you have with us or provided by other third parties through us, but we will notify you if this is the case at the time.
Kashware communication and opting out
You can ask us to stop sending you marketing emails at any time by following the unsubscribe links at the bottom of any Kashware marketing message. You’ll still receive operational emails we need to send you, such as updates to our terms and conditions.
If you would like to stop receiving Kashware receipt emails (for each of your payments), you can change your preferences for each of your funding cards on the Kashware app.
Do you make automated decisions about me?
Depending on the Kashware products or services you use, we may make automated decisions about you.
This means that we may use technology that can evaluate relevant factors about you and your circumstances to predict risks or outcomes. We do this for the efficient running of our services and to make sure that the decisions we make are fair, consistent, and based on the correct information.
Where we make an automated decision about you, you have the right to ask that it is manually reviewed by a human.
For example, we may make automated decisions about you that relate to:
The approval of credit applications:
credit and affordability checks to see whether we can accept your credit application; or
setting credit limits.
Opening a Kashware account
anti-money laundering and sanctions checks; and
identity and address checks.
monitoring your account to detect fraud and financial crime.
Our legal basis for our use of automated decision-making is to enable us to fulfill our contract with you or because we have a legal obligation to do so.
How long do we keep your data?
The period for which we may retain data about you will depend on the purposes for which the data was collected, whether you have requested the deletion of the data, and whether we have any legal or regulatory obligation to retain the data. We will not retain data about you for longer than is necessary to fulfill the purposes for which the data was collected. We will typically keep your data for up to 10 years after you last had an active account or product with us, or 7 years after you made or started an application. We may keep your personal data for a longer period where it is necessary for legal, regulatory, or operational purposes.
How can you complain?
We hope you don’t ever need to, but if you do want to complain, you have the right to do so to the Information Commissioner's Office (ICO) however we’d love to try and sort it out first. Drop us an email at firstname.lastname@example.org.
How can you contact us?