Policy details & applicability

This Privacy Policy applies to the personal information of individual or group of individuals (which means any and all information/ documents/ details pertaining to a natural person or group of persons, such information may either directly or indirectly or in combination with other information available with HospiKash, may be used to identify such a person or group.

This Privacy Policy shall be referred to govern the use of any or all HospiKash Services, availed by our Customers which may include personal as well as business use unless specified explicitly.

Information collected

Device information

We may collect information through your computer, mobile phone, tablets, or other devices that you use to access HospiKash platform. Such information, collected by us includes, but is not limited to, the following: IP address, browsing data, device ID or unique identifier, device type, geo-location information, computer and internet information, mobile network information, statistics on page views, referral URL, advertisement data, web log data and other such information, Calendar information etc.

We may also collect anonymous information through the use of cookies and web beacons. We may collect and store any information that you may provide to us or agree to share, including when you add information on web forms, add or update your account information, participate in social media, community/ HospiKash club discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding HospiKash Services through any channel.

Credit information report

Your Credit Information (credit score and credit information report) may be procured by us through your credit records with Credit Information Companies “CICs” with your consent and in conformation to the applicable regulatory framework to access such information. HospiKash may receive this information from one or more CICs for and on your behalf only once you agree to appoint HospiKash as your lawfully and voluntarily appointed authorized agent/ representative for collecting your credit information from CICs. By consenting to use and availing your credit information report through HospiKash, you agree that HospiKash and CICs shall be entitled to rely on your authorization and consent granted by you to HospiKash

Other information

When you use HospiKash platform, we may also collect information about your transactions and your activities including but not limited to:

• Contact information including your name, address, phone, email, and other similar information
• Specific personal identification information such as your date of birth or national ID number
• Address proof, Officially Valid documents, Income proof, PAN, credit score, credit information report, KYC through UIDAI, CKYC through CERSAI etc.
• Financial information, required by lenders or merchants on HospiKash platform for providing their services to you, such as bank account information or as procured from Account Aggregator framework

We may also collect information from or about you from other sources, such as through your correspondence with us, including our customer support team, your interactions with members of the HospiKash employees or representatives.

Additionally, HospiKash may monitor or record its all of your communication with HospiKash platform, any HospiKash employee or representative at any time of its choice. Also, by communicating with HospiKash, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warnin.

We may also use the User information to enable activities and transactions that need to occur during the process of lending, such as:

After obtaining the User’s specific consent to allow the HospiKash platform to access the User’s SMS inbox, we may collect relevant information from text messages (SMS) received by the Users from providers of services and/or products (including but not limited to retail outlets, financial institutions, mobile carriers, websites, ecommerce companies, any merchant and all utility companies), that will enable us to provide better access to financial products and services , managing your expenditure by providing insights and other products to the Users. In case we do, we shall only access business messages and will never intrude in your personal messages.

When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s settings menu.

Consent

By using any of HospiKash platforms, you expressly consent to HospiKash and including all its marketing channels and business partners, representatives to provide the details/documents/information mentioned hereinabove for the purpose stated under this Privacy Policy.

You also expressly consent to HospiKash (including its marketing channels and business partners/ representatives) to contact you through SMS, call, WhatsApp and/ or e-mail or any other applicable communication platform and to follow up in relation to the Services provided by or through the HospiKash Platform, for corresponding on transactions, imparting product knowledge, offering promotional offers through HospiKash Platform & various other offers offered by its business partners.

You hereby authorize and expressly consent us to share your Personal information with third parties including but not limited to Banks, credit information bureaus, government agencies or any other such agency mandated by law, for completion of the services availed.

Use and purpose of collecting such data

The Company’s primary purpose to collect any or all the aforementioned personal information is to provide you with a secure, smooth, efficient, smart, and personalized experience while dealing with HospiKash products or products and services facilitated by HospiKash through its partners.

Other unaffiliated third parties, for the following purposes:

We may use your personal information to:

• Allow you access to HospiKash Services and customer support; process transactions and send notifications about your transactions; verify your identity, including during account creation and password reset processes
• Manage and protect our information technology infrastructure; provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences; contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, or WhatsApp message or robotic calling; perform creditworthiness and solvency checks, and compare information for accuracy and verify it with applicable third parties.
• Manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities; detect, prevent or remediate violations of policies or applicable user agreements; improve the HospiKash Services by customizing your user experience; measure the performance of the HospiKash Services and improve their content and layout.
• Generating and maintaining User profiles on the App.
• Provide personalized features.
• Helping you select the best financial product.
• Helping you select the best financial product.
• Facilitating transactions on the platform.
• Maintaining regular communications with the User concerning transactions the User initiates, such as requesting information or assistance, submitting any request, making payments, transferring funds, etc.
• Modifying the App from time to time to cater to the User’s interests.
• Providing the App and the functions and features therein, efficiently.
• Preserve social history as governed by existing law or policy.
• Avoiding the need for the user to enter previously entered information again.

Framework of data security

Personal information is defined as information that can be associated with a specific person or a group of persons and can be used to identify that person or group. For the purposes of the use of HospiKash, information that has been made anonymous so that it does not identify a specific user shall not be considered as Personal information.

We store and process your personal information on our computers and or cloud infrastructure located in India. We shall endeavor to protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. We have fully ensured that reasonable security practices are adopted, which are at par with reasonable industry standards. Note that we shall not be liable for any third-party breaches to the security of your information. Please beware of phishing attacks. We shall not be responsible for any loss or damage if you share any Account information or otherwise to such phishing attacks

Limitations of personal info

We may share your Personal information with our affiliates and business partners where we feel that you will be assisted better for the purpose of availing the HospiKash Services. We may share your personal information with:

• Financial institutions like Banks, NBFCs, Insurance Companies, Asset Management companies and others who we may partner with to jointly create and offer any product or service. These financial institutions may only use this information to market HospiKash-related products, unless you have given consent for other services.
• Users of the HospiKash corporate family, affiliates, group companies , to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications. Members of our corporate family will use this information to send you marketing communications only if you have requested their services.
• Credit bureaus and collection agencies to report account information, as permitted by law.
• Companies that we may plan to forge a Joint Venture with or are acquired by.
• Law enforcement entities, personnel, government officials, or other third parties pursuant to a summon, court order, or other legal process or requirement applicable to HospiKash or one of its affiliates; when we need to do so to comply with law or debit/ credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
• Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk. For example, if you use HospiKash Services to buy or sell goods, we may share account information in order to help protect your account from fraudulent activity, alert you if we detect such fraudulent activity on your accounts, or evaluate credit risk.
• Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing, or transactional).
• Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
• Service Providers: to enable service providers under contract with us to support our business operations. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

We may also seek necessary explicit consent on a case to case basis, as deemed appropriate as per our operational framework or applicable law.

Cookies policy

We use data collection methodologies such as "cookies"/similar information sets, etc on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your device hard-drive/storage that assist us in providing our services.

Opting out of HospiKash marketing

If you do not wish to receive marketing communications from us, you may write to us on info@hospikash.com

Please note that it may take about 15 business days to process your request. In furtherance to your usage of the HospiKash Platform, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone / mobile numbers for contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our HospiKash Platform. Such modes of contacting you may include sending SMSs and/ or telephonic calls.

Data retention & deletion

HospiKash will retain your information for as long as it is necessary for providing you the HospiKash Services available on the HospiKash Platform or your request for termination of your account with HospiKash, whichever is later. Furthermore, HospiKash may also be required to retain certain information under the applicable law and/or as part of its contractual obligations with the Banks/Financial Institutions and accordingly such information shall be retained as prescribed under the applicable law or part of HospiKash’s contractual obligation1.

At any time, you may choose to withdraw consent for your information, and seek deletion/ return of the same from our records. You may email info@hospikash.com from your registered email ID , with subject line as : “Deleting HospiKash account and withdrawal of consent of use of information”, clearly mentioning your registered mobile number and asking for deletion of account with HospiKash. Please note that your account can only be deleted in the event of no existing financial obligation on you on account of using products or services facilitated through the HospiKash platform.

Post termination of your relationship, HospiKash may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling, and research purposes, for example to gain insights about our users and their profiles. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defence of a legal claim or for providing evidence in legal proceeding(s).

Upgrading personal info

In case of any changes in the personal information shared by you with HospiKash, you may contact our customer support or write to us on info@hospikash.com.

Obligation with other platforms

Sometimes, HospiKash platforms may link to other platforms that may collect personally identifiable information about you. HospiKash is not responsible for the privacy practices or the content of such linked platforms.

Grievance redressal

If you have a grievance or complaint, questions, comments, concerns, or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to info@hospikash.com

Email : info@hospikash.com

Address : Mahadik Building, 2nd floor, Opposite Rane Hospital, Vile Parle (East), Mumbai 400057

This Privacy Policy is published and shall be construed in accordance with the provisions of Information Technology Act, 2000 and rules made thereunder including the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended thereof and other applicable law enacted from time to time.