Privacy Policy
Introduction
MudraCash is the owner and operator of M-Cash App and website (https://mudracash.com) and is committed to protecting your privacy and the privacy of data you entrust to us. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you interact with our website and mobile application. This Privacy Policy is an addendum to the Privacy Head in our Terms & Conditions and applies to all our users and shall be read in conjunction with our Terms & Conditions.
Information Collection and Use
We collect various types of personal information to provide and improve our services. By using our services, you consent to the collection, use, and sharing of this information for the following purposes:
- KYC & Onboarding: We use your personal data to comply with Know Your Customer (KYC) norms and validate your identity.
- Loan Processing & Risk Assessment: Information is collected to facilitate the issuance of loans, perform risk assessments, and creditworthiness evaluations.
- Service Improvement: The data helps us troubleshoot concerns, resolve disputes, prevent fraud, and improve the quality of our services.
- Offers & Marketing: We may use your contact details to inform you about new products, services, and promotions.
We collect the following information:
- Personal Identifiers: Name, address, email, phone number, and government-issued identification (e.g., PAN, Aadhar).
- Device Information: Includes your IP address, device model, operating system, and mobile network details.
- Location Data: We may access your location to provide personalized services and verify your identity.
- App Data: Information about installed applications on your device, used for credit assessments.
- SMS & Call Logs: With your permission, we collect SMS and call log data to analyze your financial position and validate OTPs for secure transactions.
- Contact List: With your consent, we collect your contact list to assist in the loan approval process and for marketing purposes.
Cookies
Our website and app use cookies to enhance your user experience. Cookies are small files stored on your device that help us collect information about your interactions with our site. You can choose to disable cookies through your browser settings, though this may affect your ability to use certain features.
Log Data
We automatically collect Log Data when you use our services. This includes your device's IP address, browser type, time and date of your visit, and the pages you viewed. Log Data helps us improve our services and troubleshoot issues.
Use of Collected Information
We may use your personal information for the following:
- Processing financial transactions.
- Conducting research and analysis to improve our services.
- Communicating updates, changes in terms, and service announcements.
- Addressing complaints, queries, and feedback.
- Verifying your identity for security purposes.
Third-Party Service Providers
We may engage trusted third-party service providers to assist in delivering our services. These third parties may have access to your personal information solely for performing tasks on our behalf and are obligated to protect your information.
Media Access
With your consent, we may access your device's media to:
- Capture and upload identity documents for KYC verification.
- Capture selfies for identity verification.
- Collect images or videos required for loan processing.
Security
We value your trust in providing your personal information. Therefore, we implement industry-standard security measures to protect it. However, no transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
Data Sharing and Disclosure
We will not share your personal information with third parties, except as required to:
- Comply with legal obligations.
- Protect and defend the rights or property of MudraCash.
- Prevent fraud or criminal activity.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If we discover that a child has provided us with personal information, we will promptly delete it.
External Links
Our website and app may contain links to third-party sites. We are not responsible for the privacy practices or the content of such external websites. We encourage you to review the privacy policies of any third-party services you visit.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes.
Changes to This Privacy Policy
We may update our Privacy Policy periodically. Any changes will be posted on this page and will take effect immediately. We encourage you to review this policy regularly to stay informed about how we are protecting your data.
App Permissions
The MudraCash mobile app may request access to:
Your Rights
You have the right to:
- Access, update, or delete your personal information.
- Withdraw consent for certain data collection practices.
- Request a copy of your data in a portable format.
- Lodge a complaint with data protection authorities.
Contact Us
If you have any questions, concerns, or feedback about our Privacy Policy, you can reach us at helpdesk@mudracash.com
Your privacy is important to us. We are committed to protecting your personal information and being transparent about how we use it.