Privacy Policy & Cookies

1.1 Introduction

Welcome to S3P Cashfast Finserv Private Limited ("Cashfast Finserv", "Company", "we", "our", or "us").

This Privacy Policy explains how we collect, use, store, process, disclose, and protect your personal information when you access our website, services, forms, applications, advertisements, WhatsApp communications, or interact with us digitally or offline. This will help you understand the rights you have under applicable laws like India's The Digital Personal Data Protection Act, 2023.

By using our services, you agree to this Privacy Policy.

1.2 Nature of Services

Cashfast Finserv is a financial services facilitation platform that assists users in connecting with banks, NBFCs, financial institutions, insurers, and lending partners for financial products and services.

We are not a bank, NBFC, or direct lender unless specifically stated. Approval, disbursal, interest rate, tenure, and loan terms are solely determined by the respective lender or financial institution.

1.3 Information We Collect

We may collect the following information:

1.3.1 Personal Information

• Full name
• Mobile number
• Email address
• Residential address
• Date of birth
• PAN card
• Aadhaar (where voluntarily provided)
• Employment details
• Salary and income details

1.3.2 Financial Information

• Bank account details
• Existing loans and liabilities
• Credit score and repayment history
• Credit bureau information
• Loan requirements and financial preferences

1.3.3 Technical Information

• IP address
• Browser type
• Device information
• Cookies and usage analytics

1.3.4 Communication Information

• Call recordings
• WhatsApp conversations
• SMS/email communications
• Customer support interactions

1.4 Purpose of Data Collection

Your information may be used for:

• Loan eligibility assessment
• Connecting you with lenders and partners
• Verification and KYC assistance
• Credit bureau checks
• Customer support
• Fraud prevention and risk assessment
• Marketing and promotional communication
• Legal and regulatory compliance
• Service improvement and analytics

1.5 Credit Report Authorization & Consent

By submitting your information and using our services, you expressly authorize Cashfast Finserv and its partner lenders, financial institutions, service providers, and authorized agents to:

• Obtain, access, verify, and review your credit report and credit score from credit bureaus including but not limited to: CIBIL, Experian, Equifax, and CRIF High Mark.
• Use such information for loan eligibility evaluation, risk assessment, product recommendations, pre-qualified offers, and verification and fraud prevention.

You acknowledge that such checks may be treated as hard or soft inquiries depending upon lender policies. Your consent shall remain valid unless specifically withdrawn in writing.

1.6 Sharing of Information

We may share your information with:

• Banks and NBFCs
• Lending partners
• Insurance providers
• Verification agencies
• Technology service providers
• Credit bureaus
• Legal or regulatory authorities

We do not sell your personal information unlawfully.

1.7 Cookies & Tracking

We may use cookies, pixels, analytics tools, and similar technologies to improve user experience and marketing performance. You may disable cookies through your browser settings. See our Cookie Policy below for details.

1.8 Data Security

We implement reasonable security safeguards to protect user information from unauthorized access, misuse, alteration, or disclosure. However, no digital platform can guarantee complete security.

1.9 Data Retention

We retain information for as long as required for:

• Business purposes
• Regulatory obligations
• Legal compliance
• Fraud prevention
• Record maintenance

1.10 User Rights

You may request:

• Access to your information
• Correction of inaccurate information
• Withdrawal of consent
• Deletion of eligible data

Requests may be sent to the grievance officer mentioned in our Grievance Redressal Policy below.

1.11 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content.

1.12 Children's Privacy

Our services are intended only for individuals above 18 years of age.

1.13 Policy Updates

We may revise this policy periodically. Continued usage of services constitutes acceptance of revised policies.

1.14 Contact Information

For privacy concerns or requests, write us at: privacy@cashfastfinserv.com

3.1 What are cookies

Cookies are small files stored on your device to enhance site personalization, marketing, functionality, and performance tracking.

3.2 How we use cookies

We use cookies and similar technologies to:

• Improve website functionality
• Analyze traffic and user behavior
• Remember preferences
• Deliver marketing and advertisements

3.3 Types of cookies

Types of cookies may include:

• Essential cookies
• Analytics cookies
• Advertising cookies
• Functional cookies

By continuing to browse our website, you consent to our use of cookies. Users may disable cookies through browser settings.

7.1 Types of Complaints

7.1.1 Service Related Issues

• Application processing concerns
• Delays in communication
• Incorrect information shared
• Customer support experience
• Service quality issues

7.1.2 Privacy & Data Protection

• Personal data access requests
• Data correction requests
• Data deletion requests
• Consent withdrawal requests
• Privacy concerns

7.1.3 Communication Related Issues

• Unwanted calls
• SMS, email, and WhatsApp communications
• DND/NCPR related concerns

7.1.4 Employee Conduct

• Misconduct or unprofessional behaviour
• Misrepresentation
• Harassment or inappropriate communication

7.1.5 Technical Issues

• Website errors
• Form submission failures
• Account-related or system-related concerns

7.2 How to Submit a Complaint

• Email — Support: support@cashfastfinserv.com
• Email — Grievance Officer: grievance@cashfastfinserv.com
• Website: through the Contact Us form on our website.
• Postal communication: Cashfast Finserv, E-10, Third Floor, Sector 3, Noida, Uttar Pradesh – 201301

To facilitate prompt resolution, please provide:

• Full name
• Registered mobile number
• Email address
• Application or reference number (if available)
• Description of complaint
• Relevant supporting documents or screenshots (if any)

Failure to provide sufficient information may delay investigation and resolution.

7.3 Complaint Registration and Acknowledgement

Upon receipt of a complaint:

• A unique complaint reference number may be assigned.
• An acknowledgement will normally be provided within 48 hours of receipt.
• Customers may use the complaint reference number for future correspondence.

7.4 Complaint Resolution Timeline

Cashfast Finserv shall make reasonable efforts to investigate and resolve complaints within the following timelines:

Certain complaints requiring investigation by third-party institutions, banks, NBFCs, insurers, technology providers, or regulatory authorities may require additional time. Where additional time is required, the customer shall be informed accordingly.

7.5 Escalation Matrix

7.5.1 Level 1 — Customer Support

Customers should initially contact our Customer Support Team at support@cashfastfinserv.com. Expected resolution timeline: up to 7 working days.

7.5.2 Level 2 — Grievance Officer

If the complaint remains unresolved or the customer is dissatisfied with the Level 1 response, escalate to the Grievance Officer:

• Name: Shubhanshu Kumar
• Designation: Grievance Officer
• Email: grievance@cashfastfinserv.com
• Acknowledgement within 48 hours; final response within 15 working days.

7.5.3 Level 3 — Management Escalation

If dissatisfied after review by the Grievance Officer, email escalation@cashfastfinserv.com. Acknowledgement within 3 working days; final review within 15 working days. Management's decision following review shall be considered the Company's final internal response.

7.6 Complaints Relating to Partner Institutions

Cashfast Finserv acts as a facilitator and is not a bank, NBFC, insurer, or direct lender unless expressly stated otherwise. Certain matters may be solely within the jurisdiction of the respective financial institution, including loan approval or rejection, credit underwriting, interest rates, processing fees, loan amounts, repayment schedules, insurance claim decisions, and product-specific terms.

In such cases, Cashfast Finserv may assist customers in coordinating with the concerned institution but cannot override decisions made by third parties.

7.7 Fair Investigation Process

All complaints shall be:

• Investigated objectively
• Handled confidentially
• Reviewed without bias
• Processed in accordance with applicable laws
• Resolved fairly and transparently

Appropriate records of complaints and resolutions may be maintained for audit, compliance, operational, and legal purposes.

7.8 Regulatory and Legal Rights

Nothing contained in this Policy shall restrict any customer's rights under applicable laws. Customers may approach competent regulatory authorities, consumer forums, courts, tribunals, or governmental authorities where permitted under applicable law.

7.9 Policy Review and Updates

Cashfast Finserv reserves the right to modify, update, amend, or replace this Grievance Redressal Policy at any time. Updated versions shall become effective upon publication on the Company's website unless otherwise stated. Continued use of our services following such publication shall constitute acceptance of the revised Policy.