In line with the stipulations set forth by the Personal Data Protection Law and its applicable regulations, Cash Agad (hereinafter referred to as the ''Controller'') provides you with the following disclosure:
All personal data that you submit to us, whether directly or indirectly, will be regarded as confidential and will be managed in strict alignment with the prevailing legal standards, both nationally and internationally, that govern the safeguarding of personal information. As a ''User'' of our platform, you acknowledge that the information we may collect encompasses, but is not restricted to, the following:
· Aadhaar identification number
· Permanent Account Number (PAN)
· Photographic copy of the Aadhaar card
· Photographic copy of the PAN card
· Facial biometric identifiers used for identity authentication through facial recognition systems
· Still images or recorded video used for verifying user authenticity
· Full legal name
· Current residential address
· Phone number
· Email address
· Marital status
· Identification and communication-related data
· Real-time or historical geolocation information
· Social media details, when explicitly granted by the Data Subject
· Professional or employment-related information
· Household and living arrangement data
Cash Agad does not gather personal reference data that may be included by Users during the application process for any offered services or products. Explicit authorization for handling personal information is acquired via our website https://api.cashagad.vip and the mobile application we provide (referred to as the ''App''), in addition to various electronic, phone-based, visual, or digital communication formats (collectively referred to as the ''Electronic Means''). This authorization may be simultaneously and automatically recorded during User interactions with these mediums. The main objective of collecting such data is to enable Cash Agad to provide its services and/or products (the ''Services'') and to meet the intentions described within this Privacy Policy. Cash Agad guarantees that all personal data received from Users will be managed in accordance with the terms outlined herein.
All third parties or entities engaged in the processing of this data are subject to equivalent confidentiality commitments and must adhere to the legal limitations stipulated by the relevant data protection legislation applicable in the jurisdiction where such data is collected, retained, handled, or shared. Your personal data shall not be utilized or processed for any purposes beyond those clearly defined in this Privacy Policy.
Overview of the Lender
The loan services offered by Cash Agad are officially authorized by Standard Capital Markets Limited, a Non-Banking Financial Company (NBFC) that is duly approved and registered with the Reserve Bank of India (RBI), and possesses the Certificate of Registration with the number of 14·02891 granted by the RBI.
Standard Capital Markets Limited operates under the Corporate Identification Number (CIN): L74899DL1987PLC027057. The company's office is located at 8/28, 2nd Floor, Wea, Abdul Aziz Road Karol Bagh New Delhi, Delhi, 110005 India, and you can reach out via email at [email protected] for any inquiries or further information.
Policy Update and Review
The Controller reserves the right to update this Privacy Policy from time to time to reflect changes in data protection regulations, legislative updates, internal operational policies, or new service features.
All changes to the Privacy Policy will be made available on our official website, where Users can access the latest version at https://api.cashagad.vip.
Confidentiality & Required App Permissions
All parties engaged in handling your personal data are obligated to maintain strict confidentiality and must operate within the boundaries established by relevant data protection regulations applicable in the region where such data is gathered, stored, utilized, or transferred.
In the course of delivering our services, we may request access to specific permissions on your device, which may include: Device Information, Camera Access, SMS Messages, Installed Applications, Files Access, Image Data, Usage Data of APP, IMEI (Device ID), Wi-Fi & Network Info, Google Advertising ID (GAID).
Granting these permissions allows us to optimize your interaction with our platform and ensure smooth functionality of our service features, all while remaining fully compliant with this Privacy Policy. Your personal data will solely be used for the clearly defined purposes outlined herein and will never be processed for unrelated uses.
Device Information
To provide a secure and optimized experience, we collect various data points about your device. This includes hardware details like brand, model, and OS version, as well as network status, screen specifications, available memory, Wi-Fi connection, and unique device identifiers such as mobile ID. We also analyze your app environment to detect potential threats and personalize your experience. All information is encrypted before being securely transmitted to https://api.cashagad.vip.
Camera Access
We may request access to your device's camera to perform real-time facial detection during specific steps, such as loan application. This measure helps us verify your identity and safeguard your account. Images captured during this process are used solely for authentication purposes, encrypted upon capture, and stored securely. The camera is only triggered with your explicit consent, and access can be disabled at any time via your phone settings. If this permission is not granted, certain services may not be available. Data will be securely uploaded to https://api.cashagad.vip.
SMS Messages
To facilitate verification and ensure a smoother loan process, we may access SMS messages containing verification codes or transactional alerts related to your banking activity. Only messages relevant to your credit evaluation or identity confirmation are considered. We do not read or collect unrelated SMS content. All data is encrypted and securely transferred to https://api.cashagad.vip for analysis strictly within the stated scope.
Installed Applications
For fraud prevention and security evaluation, we gather metadata on the applications installed on your device. This includes details like Cash Agad, install/update times, and version. This data helps assess risk and verify that your environment is safe for financial transactions. All information is securely encrypted and uploaded to https://api.cashagad.vip, with strict usage limitations.
Files Access
This permission is used only to allow you to upload specific documents necessary for your loan application. Only the files you manually choose will be accessed — no other documents will be read, altered, or copied. Your uploads will be encrypted and securely stored at https://api.cashagad.vip to protect your information.
Image Data
As part of Know Your Customer (KYC) procedures and fraud checks, we collect images you explicitly choose to upload or capture. No additional photos from your gallery will be accessed. These images are used only for verification and are encrypted before being sent to https://api.cashagad.vip.
Usage Data of APP
To detect suspicious behavior and enhance account protection, we collect usage data of APP such as package_name, interval_type, start time, end_time, launch_count, last_time_used, total_time_used. These insights allow us to identify anomalies or potential threats. All such data is anonymized, encrypted, and uploaded securely to https://api.cashagad.vip.
IMEI (Device ID)
To ensure the integrity of your loan application, we may collect your device's IMEI code. This helps confirm the same device is used throughout the process and supports anti-fraud efforts. We do not automatically collect your phone number or store data of declined applicants. All IMEI data is encrypted and securely sent to https://api.cashagad.vip.
Wi-Fi & Network Info
We collect information such as your IP address, Wi-Fi MAC, and network type to detect suspicious network activity. This data assists in protecting your identity and maintaining system integrity. All collected data is encrypted and transmitted securely to https://api.cashagad.vip.
Google Advertising ID (GAID)
To personalize your advertising experience and assess ad performance, Cash Agad may collect your Google Advertising ID (GAID). If you do not wish to share this information, you can disable ''Personalized Ads'' in your device settings. The collected GAID will be encrypted and sent to https://api.cashagad.vip.
Sharing of Personal Information
Cash Agad may disclose your personal information under the following conditions:
· To its parent organization, subsidiaries, affiliates, or other entities within the same corporate group.
· To governmental bodies, regulatory agencies, or law enforcement authorities as mandated by applicable Indian laws and regulations.
· To third-party service providers engaged in loan processing, repayment management, and related financial operations.
· In circumstances involving corporate restructuring, including mergers, acquisitions, or similar business transactions.
· To financial institutions or external parties participating in credit portfolio transfers, endorsements, or other financial dealings.
· To strategic business partners for the marketing and distribution of financial products and services that benefit users.
· Under any other situations allowed by the relevant legal framework, including provisions stipulated by India's data protection and financial legislation.
Cash Agad is dedicated to managing your personal information with the high levels of confidentiality and security, fully adhering to all pertinent Indian data protection and financial privacy laws.
Categories of Personal Data Collected
For the purposes described in this Privacy Policy, Cash Agad may collect and process various types of personal information from you, including but not limited to:
· Full legal name
· Date of birth
· Marital status
· Number of dependents
· Residential and/or business address
· Mobile phone number
· Unique Identification Number (such as Aadhaar or PAN, where applicable)
· Taxpayer identification number
· Employment-related details
· Financial and asset information
· Bank account details
· Copies of government-issued identification documents
· Contact information of personal references
Cash Agad collects this personal data through its mobile application, official website, or telephone communications.
We may request this information when you:
· Register within the Cash Agad mobile application to apply for a loan
· Contact Cash Agad by phone for inquiries or support
Purposes for Processing Personal Data
Cash Agad collects and processes personal information for the following objectives:
A. Core Purposes
· To fulfill contractual obligations derived from service requests and agreements.
· To verify and authenticate the user's identity and validate the accuracy of the information provided, including personal data, references, guarantors, or co-applicants, where applicable to the service contracted.
· To manage, operate, and oversee the services requested or utilized through Cash Agad.
· To evaluate the user's creditworthiness by reviewing their financial and personal data, including risk assessment, repayment ability, transaction status, and other evaluations as required by applicable financial regulations.
· To establish and formally acknowledge the contractual relationship between the user and Cash Agad.
· To securely store user data and maintain records, either directly or via authorized third-party service providers.
· To process requests submitted by users via digital platforms, customer support, or telephone communication.
· To create and maintain user profiles within the App, including credit eligibility checks and financial background reviews.
· To perform credit inquiries and obtain reports from relevant financial institutions or credit bureaus.
· To provide service improvements, updates, or extensions to existing financial products.
· To inform users about Cash Agad updates, policy amendments, and service changes.
· To carry out data analytics, market research, and service quality evaluations to enhance the user experience on our platforms.
· To send service-related notifications via digital channels, including transaction alerts, updates, and advisory messages.
· To manage collection and recovery efforts related to overdue payments.
· To conduct customer satisfaction and quality assurance surveys aimed at improving service standards.
· To offer financial products and services requested by the user.
· To notify users of service changes, enhancements, or new offerings relevant to their existing relationship with Cash Agad.
B. Additional Purposes
· To send promotional content, discounts, or marketing communications regarding financial products, services, and exclusive events that may interest the user.
· To distribute newsletters, updates, and promotional materials including offers from our business partners and affiliates.
Users have the right to opt out of processing for additional purposes by sending a request to . In the absence of such a request, consent for these uses will be presumed.
Cookies and Online Security Measures
The Controller collects information on its website using cookies—small text files saved onto the Owner's device hard drive when accessing the Controller's online services. These cookies may store identifiers or browsing preferences, allowing the tracking of user activity to optimize service performance and enhance the overall browsing experience. Cookies do not access or extract any data from the Owner's device beyond what is explicitly allowed.
Owners who wish to manage or disable cookies can do so via their web browser settings. Furthermore, the Controller's digital platforms may contain links directing to third-party websites, which are independent and not owned, controlled, or liable by the Controller.
Procedures for Exercising ARCO Rights and Consent Withdrawal
The Owner holds the right to protect their Personal Data, including the rights of Access, Rectification, Cancellation, and Opposition ("ARCO Rights"), as well as the ability to object to or withdraw consent as permitted by law. These rights can be exercised personally or through a legal representative by submitting a request to of the Responsible Party. The request must include a copy of a valid official ID or, if applicable, the legal representative's ID and a power of attorney authorizing representation.
The request should contain the following information: i) full name; ii) current address; iii) contact phone number; iv) email address; v) Customer ID and product details; vi) a clear indication of the ARCO Right to be exercised or consent withdrawal; and vii) a brief reason for the request.
Upon receipt, Cash Agad will respond with a resolution within 20 (twenty) calendar days. If approved, actions will be implemented within 15 (fifteen) business days from the notification date. If the request lacks necessary information or documentation, the Responsible Party will request the missing items within 5 (five) business days. Failure to respond within this period will be considered as abandonment of the request. For data correction requests, the Responsible Party has 10 (ten) business days from receipt to evaluate and perform the corrections.
The Owner is responsible for maintaining accurate, truthful, and up-to-date Personal Data. When responding to access requests, Cash Agad will provide the information via email or a simple copy of the relevant documents. Consent withdrawal requests will be processed following the same procedures and in compliance with applicable law. Cash Agad may deny requests when legally permitted.
If the requested modification or deletion does not interfere with compliance with legal obligations between the Owner and the Responsible Party, the Owner may withdraw consent for Personal Data processing without retroactive effect. Consent revocation follows the same procedure as exercising ARCO Rights.
Ways to Restrict Use or Disclosure of Personal Data
The Owner can limit how their Personal Data is used or shared by following the procedures described in the section titled "Procedures to Exercise ARCO Rights and Withdraw Consent". The request must include at least the following:
· Details regarding the Responsible Party's processing of data as specified in this agreement;
· Consent to disclose personal information to the Owner; and
· Authorization allowing the Owner to utilize personal data for agreed purposes, such as big data credit validation services.
Privacy Policy Access and User Agreement
The Privacy Policy is accessible at any time through our official website https://api.cashagad.vip and within the application, even after acceptance. By using our digital services and engaging with their features, the Owner expressly acknowledges and agrees to the terms and conditions set forth in this Privacy Policy. For any questions or notifications, please contact .
All personal data that you submit to us, whether directly or indirectly, will be regarded as confidential and will be managed in strict alignment with the prevailing legal standards, both nationally and internationally, that govern the safeguarding of personal information. As a ''User'' of our platform, you acknowledge that the information we may collect encompasses, but is not restricted to, the following:
· Aadhaar identification number
· Permanent Account Number (PAN)
· Photographic copy of the Aadhaar card
· Photographic copy of the PAN card
· Facial biometric identifiers used for identity authentication through facial recognition systems
· Still images or recorded video used for verifying user authenticity
· Full legal name
· Current residential address
· Phone number
· Email address
· Marital status
· Identification and communication-related data
· Real-time or historical geolocation information
· Social media details, when explicitly granted by the Data Subject
· Professional or employment-related information
· Household and living arrangement data
Cash Agad does not gather personal reference data that may be included by Users during the application process for any offered services or products. Explicit authorization for handling personal information is acquired via our website https://api.cashagad.vip and the mobile application we provide (referred to as the ''App''), in addition to various electronic, phone-based, visual, or digital communication formats (collectively referred to as the ''Electronic Means''). This authorization may be simultaneously and automatically recorded during User interactions with these mediums. The main objective of collecting such data is to enable Cash Agad to provide its services and/or products (the ''Services'') and to meet the intentions described within this Privacy Policy. Cash Agad guarantees that all personal data received from Users will be managed in accordance with the terms outlined herein.
All third parties or entities engaged in the processing of this data are subject to equivalent confidentiality commitments and must adhere to the legal limitations stipulated by the relevant data protection legislation applicable in the jurisdiction where such data is collected, retained, handled, or shared. Your personal data shall not be utilized or processed for any purposes beyond those clearly defined in this Privacy Policy.
Overview of the Lender
The loan services offered by Cash Agad are officially authorized by Standard Capital Markets Limited, a Non-Banking Financial Company (NBFC) that is duly approved and registered with the Reserve Bank of India (RBI), and possesses the Certificate of Registration with the number of 14·02891 granted by the RBI.
Standard Capital Markets Limited operates under the Corporate Identification Number (CIN): L74899DL1987PLC027057. The company's office is located at 8/28, 2nd Floor, Wea, Abdul Aziz Road Karol Bagh New Delhi, Delhi, 110005 India, and you can reach out via email at [email protected] for any inquiries or further information.
Policy Update and Review
The Controller reserves the right to update this Privacy Policy from time to time to reflect changes in data protection regulations, legislative updates, internal operational policies, or new service features.
All changes to the Privacy Policy will be made available on our official website, where Users can access the latest version at https://api.cashagad.vip.
Confidentiality & Required App Permissions
All parties engaged in handling your personal data are obligated to maintain strict confidentiality and must operate within the boundaries established by relevant data protection regulations applicable in the region where such data is gathered, stored, utilized, or transferred.
In the course of delivering our services, we may request access to specific permissions on your device, which may include: Device Information, Camera Access, SMS Messages, Installed Applications, Files Access, Image Data, Usage Data of APP, IMEI (Device ID), Wi-Fi & Network Info, Google Advertising ID (GAID).
Granting these permissions allows us to optimize your interaction with our platform and ensure smooth functionality of our service features, all while remaining fully compliant with this Privacy Policy. Your personal data will solely be used for the clearly defined purposes outlined herein and will never be processed for unrelated uses.
Device Information
To provide a secure and optimized experience, we collect various data points about your device. This includes hardware details like brand, model, and OS version, as well as network status, screen specifications, available memory, Wi-Fi connection, and unique device identifiers such as mobile ID. We also analyze your app environment to detect potential threats and personalize your experience. All information is encrypted before being securely transmitted to https://api.cashagad.vip.
Camera Access
We may request access to your device's camera to perform real-time facial detection during specific steps, such as loan application. This measure helps us verify your identity and safeguard your account. Images captured during this process are used solely for authentication purposes, encrypted upon capture, and stored securely. The camera is only triggered with your explicit consent, and access can be disabled at any time via your phone settings. If this permission is not granted, certain services may not be available. Data will be securely uploaded to https://api.cashagad.vip.
SMS Messages
To facilitate verification and ensure a smoother loan process, we may access SMS messages containing verification codes or transactional alerts related to your banking activity. Only messages relevant to your credit evaluation or identity confirmation are considered. We do not read or collect unrelated SMS content. All data is encrypted and securely transferred to https://api.cashagad.vip for analysis strictly within the stated scope.
Installed Applications
For fraud prevention and security evaluation, we gather metadata on the applications installed on your device. This includes details like Cash Agad, install/update times, and version. This data helps assess risk and verify that your environment is safe for financial transactions. All information is securely encrypted and uploaded to https://api.cashagad.vip, with strict usage limitations.
Files Access
This permission is used only to allow you to upload specific documents necessary for your loan application. Only the files you manually choose will be accessed — no other documents will be read, altered, or copied. Your uploads will be encrypted and securely stored at https://api.cashagad.vip to protect your information.
Image Data
As part of Know Your Customer (KYC) procedures and fraud checks, we collect images you explicitly choose to upload or capture. No additional photos from your gallery will be accessed. These images are used only for verification and are encrypted before being sent to https://api.cashagad.vip.
Usage Data of APP
To detect suspicious behavior and enhance account protection, we collect usage data of APP such as package_name, interval_type, start time, end_time, launch_count, last_time_used, total_time_used. These insights allow us to identify anomalies or potential threats. All such data is anonymized, encrypted, and uploaded securely to https://api.cashagad.vip.
IMEI (Device ID)
To ensure the integrity of your loan application, we may collect your device's IMEI code. This helps confirm the same device is used throughout the process and supports anti-fraud efforts. We do not automatically collect your phone number or store data of declined applicants. All IMEI data is encrypted and securely sent to https://api.cashagad.vip.
Wi-Fi & Network Info
We collect information such as your IP address, Wi-Fi MAC, and network type to detect suspicious network activity. This data assists in protecting your identity and maintaining system integrity. All collected data is encrypted and transmitted securely to https://api.cashagad.vip.
Google Advertising ID (GAID)
To personalize your advertising experience and assess ad performance, Cash Agad may collect your Google Advertising ID (GAID). If you do not wish to share this information, you can disable ''Personalized Ads'' in your device settings. The collected GAID will be encrypted and sent to https://api.cashagad.vip.
Sharing of Personal Information
Cash Agad may disclose your personal information under the following conditions:
· To its parent organization, subsidiaries, affiliates, or other entities within the same corporate group.
· To governmental bodies, regulatory agencies, or law enforcement authorities as mandated by applicable Indian laws and regulations.
· To third-party service providers engaged in loan processing, repayment management, and related financial operations.
· In circumstances involving corporate restructuring, including mergers, acquisitions, or similar business transactions.
· To financial institutions or external parties participating in credit portfolio transfers, endorsements, or other financial dealings.
· To strategic business partners for the marketing and distribution of financial products and services that benefit users.
· Under any other situations allowed by the relevant legal framework, including provisions stipulated by India's data protection and financial legislation.
Cash Agad is dedicated to managing your personal information with the high levels of confidentiality and security, fully adhering to all pertinent Indian data protection and financial privacy laws.
Categories of Personal Data Collected
For the purposes described in this Privacy Policy, Cash Agad may collect and process various types of personal information from you, including but not limited to:
· Full legal name
· Date of birth
· Marital status
· Number of dependents
· Residential and/or business address
· Mobile phone number
· Unique Identification Number (such as Aadhaar or PAN, where applicable)
· Taxpayer identification number
· Employment-related details
· Financial and asset information
· Bank account details
· Copies of government-issued identification documents
· Contact information of personal references
Cash Agad collects this personal data through its mobile application, official website, or telephone communications.
We may request this information when you:
· Register within the Cash Agad mobile application to apply for a loan
· Contact Cash Agad by phone for inquiries or support
Purposes for Processing Personal Data
Cash Agad collects and processes personal information for the following objectives:
A. Core Purposes
· To fulfill contractual obligations derived from service requests and agreements.
· To verify and authenticate the user's identity and validate the accuracy of the information provided, including personal data, references, guarantors, or co-applicants, where applicable to the service contracted.
· To manage, operate, and oversee the services requested or utilized through Cash Agad.
· To evaluate the user's creditworthiness by reviewing their financial and personal data, including risk assessment, repayment ability, transaction status, and other evaluations as required by applicable financial regulations.
· To establish and formally acknowledge the contractual relationship between the user and Cash Agad.
· To securely store user data and maintain records, either directly or via authorized third-party service providers.
· To process requests submitted by users via digital platforms, customer support, or telephone communication.
· To create and maintain user profiles within the App, including credit eligibility checks and financial background reviews.
· To perform credit inquiries and obtain reports from relevant financial institutions or credit bureaus.
· To provide service improvements, updates, or extensions to existing financial products.
· To inform users about Cash Agad updates, policy amendments, and service changes.
· To carry out data analytics, market research, and service quality evaluations to enhance the user experience on our platforms.
· To send service-related notifications via digital channels, including transaction alerts, updates, and advisory messages.
· To manage collection and recovery efforts related to overdue payments.
· To conduct customer satisfaction and quality assurance surveys aimed at improving service standards.
· To offer financial products and services requested by the user.
· To notify users of service changes, enhancements, or new offerings relevant to their existing relationship with Cash Agad.
B. Additional Purposes
· To send promotional content, discounts, or marketing communications regarding financial products, services, and exclusive events that may interest the user.
· To distribute newsletters, updates, and promotional materials including offers from our business partners and affiliates.
Users have the right to opt out of processing for additional purposes by sending a request to . In the absence of such a request, consent for these uses will be presumed.
Cookies and Online Security Measures
The Controller collects information on its website using cookies—small text files saved onto the Owner's device hard drive when accessing the Controller's online services. These cookies may store identifiers or browsing preferences, allowing the tracking of user activity to optimize service performance and enhance the overall browsing experience. Cookies do not access or extract any data from the Owner's device beyond what is explicitly allowed.
Owners who wish to manage or disable cookies can do so via their web browser settings. Furthermore, the Controller's digital platforms may contain links directing to third-party websites, which are independent and not owned, controlled, or liable by the Controller.
Procedures for Exercising ARCO Rights and Consent Withdrawal
The Owner holds the right to protect their Personal Data, including the rights of Access, Rectification, Cancellation, and Opposition ("ARCO Rights"), as well as the ability to object to or withdraw consent as permitted by law. These rights can be exercised personally or through a legal representative by submitting a request to of the Responsible Party. The request must include a copy of a valid official ID or, if applicable, the legal representative's ID and a power of attorney authorizing representation.
The request should contain the following information: i) full name; ii) current address; iii) contact phone number; iv) email address; v) Customer ID and product details; vi) a clear indication of the ARCO Right to be exercised or consent withdrawal; and vii) a brief reason for the request.
Upon receipt, Cash Agad will respond with a resolution within 20 (twenty) calendar days. If approved, actions will be implemented within 15 (fifteen) business days from the notification date. If the request lacks necessary information or documentation, the Responsible Party will request the missing items within 5 (five) business days. Failure to respond within this period will be considered as abandonment of the request. For data correction requests, the Responsible Party has 10 (ten) business days from receipt to evaluate and perform the corrections.
The Owner is responsible for maintaining accurate, truthful, and up-to-date Personal Data. When responding to access requests, Cash Agad will provide the information via email or a simple copy of the relevant documents. Consent withdrawal requests will be processed following the same procedures and in compliance with applicable law. Cash Agad may deny requests when legally permitted.
If the requested modification or deletion does not interfere with compliance with legal obligations between the Owner and the Responsible Party, the Owner may withdraw consent for Personal Data processing without retroactive effect. Consent revocation follows the same procedure as exercising ARCO Rights.
Ways to Restrict Use or Disclosure of Personal Data
The Owner can limit how their Personal Data is used or shared by following the procedures described in the section titled "Procedures to Exercise ARCO Rights and Withdraw Consent". The request must include at least the following:
· Details regarding the Responsible Party's processing of data as specified in this agreement;
· Consent to disclose personal information to the Owner; and
· Authorization allowing the Owner to utilize personal data for agreed purposes, such as big data credit validation services.
Privacy Policy Access and User Agreement
The Privacy Policy is accessible at any time through our official website https://api.cashagad.vip and within the application, even after acceptance. By using our digital services and engaging with their features, the Owner expressly acknowledges and agrees to the terms and conditions set forth in this Privacy Policy. For any questions or notifications, please contact .