This Privacy Policy delineates how Stashfing ("we", "us", or "our") collects, uses, discloses, and safeguards your personal information when you utilize our mobile application and associated services (collectively referred to as the "App").

We are steadfast in safeguarding the privacy rights of our users and ensuring the security of their personal information. Crafted in compliance with the Information Technology Act, 2000, and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, this Privacy Policy underscores our commitment to privacy protection.

We encourage you to thoroughly examine this Privacy Policy as it governs the collection, storage, processing, and utilization of our users' personal information for legitimate and lawful purposes. Should you disagree with any aspect outlined herein, we kindly ask that you refrain from accessing our applications.

Your usage of our Platform is contingent upon this Policy, encompassing all policies, notifications, guidelines, disclaimers, and terms and conditions regularly communicated to you. This Policy holds the same legal weight as any other written agreement and binds you accordingly.

We retain the right to revise this Policy as necessary, and it is incumbent upon you to periodically review it for the latest updates concerning our privacy practices.

We collect personal information from users solely when it is essential for rendering our services and enhancing user experience. The types of information we may collect encompass, but are not confined to:

Personal Information: particulars such as your name, address, date of birth, contact details, marital status, PAN number, primary bank account information, bank statements, income tax returns, pay slips, and other pertinent details.

Employment Details: data regarding your employment, including years of service, income particulars, employer's details and location, duration of employment, and any other pertinent employment information.

Credit Information: information sourced from credit bureaus or other entities to assess your creditworthiness and ascertain your eligibility for our services.

Know Your Customer (KYC) Data: details such as Aadhaar, PAN, Voter ID, photographs, and other requisite information needed for identity verification and regulatory compliance.

Unique Identifiers: your username, password, preferences, and transaction history, facilitating personalization of your experience and ensuring the security of your account.

Additional Information: other data mandated by applicable laws or required by regulatory bodies such as the Reserve Bank of India to fulfill legal and regulatory obligations.

In addition to handling all collected information with the utmost confidentiality and in compliance with applicable data protection laws and regulations, we may also gather service-specific data. This includes personal and business particulars, income tax specifics, marital and family status, bank statements, and KYC documents. Such information may be obtained through various channels, including application forms, emails, printed forms, or other digital mediums. We collect personal information provided by you in the application, across other platforms, generated through user interactions, or via the application programming interface (API).

By agreeing to the Privacy Policy during installation by clicking "Agree," you provide us with consent to upload your information to our servers. We strictly adhere to stringent data confidentiality standards and ensure the highest level of security for your information.

I hereby, as a customer, authorize VAISHALI SECURITIES LIMITED to retrieve my credit data from credit bureaus such as Experian/CIBIL/Equifax/CRIF, etc., and assess my eligibility.

You hereby grant explicit consent to the disclosure of your information (including SPD & I) by us to our affiliates, employees, and third parties, as per the terms outlined in this Policy. You explicitly permit us to share your information with third parties exclusively in the manner and for the purposes detailed below:

We may disclose your information to other financial service providers, banks, NBFCs, and our third-party partners and service providers for delivering services and offering products as specified in the Terms & Conditions.

We might share product details and your information with third-party partners and service providers to conduct data analysis, improve services, analyze your platform usage, and provide better service.

We could also share your information with third-party service providers for fraud detection, risk assessment, and promotional tele-messages and emails.

We collaborate with third-party advertising networks, publishers, and non-affiliated entities to advertise our products and services on platforms. We will share your provided information solely for the purpose of assisting us in advertising efforts.

We might disclose your information if compelled to do so by legal obligations, governmental orders, statutory authority, or to enforce our terms of use. This includes exchanging information with other companies and organizations to safeguard against fraud and credit risk.

We may share your information with third parties under confidentiality agreements for providing services. Such agreements restrict third parties from further disclosing the information except for purposes detailed in that confidentiality agreement. However, we are not accountable for security breaches or actions of third parties receiving your personal information. We will retain and use your information for periods necessary to fulfill legal obligations, settle disputes, and enforce agreements.

Your personal data, including information from your device, is stored and processed on secure cloud servers, such as Amazon Cloud Servers, and other reliable cloud service providers. All information, whether directly provided by you or through your device, is safeguarded by us. We employ multiple security measures such as firewalls, SSL data encryption, and access authorization controls to ensure the security of the information and data you provide. We adopt reasonable security practices and procedures mandated by applicable laws to protect your information. Information you provide may be stored on secure servers within India.

However, it's important to acknowledge that data transmission over the internet may not be entirely secure. Any information transmitted to us is at your own risk. We assume no liability for information disclosure due to transmission errors, unauthorized third-party access, or other acts beyond our control. You are not entitled to hold the Company liable for security breaches.

We commit to employing proven security test devices to protect personal information acquired according to this Privacy Policy. However, we cannot guarantee the confidentiality of your information in the event that other parties illegally acquire and misuse it. We will exert every effort to prevent unauthorized access to your personal information and report such incidents to competent authorities.

Cookies are small files automatically generated on your computer equipment to assist in identifying and monitoring your internet connection, thereby improving access to our services. They help us understand your preferences and past content interactions. Upon revisiting our website, Cookies personalize the content to suit your needs. It's important to note that Cookies do not store personal user information, and all data within our Cookies is encrypted and inaccessible to other websites. Even if you initially accept Cookies, you have the option to reject their activation in your browser settings.

This Policy is subject to the laws of the Republic of India and shall be interpreted in accordance with them. Any disputes arising from or relating to this Policy shall be exclusively under the jurisdiction of the courts in Shimoga, India.

You have the right to retract your consent for the processing of your personal data at any time. Should you wish to do so, kindly reach out to us using the contact details provided in this Privacy Policy. Please be aware that withdrawing your consent may impact the functionality and accessibility of our services to you.

Upon receipt of a withdrawal request, we will promptly cease processing your personal data to the extent mandated by applicable law. However, please note that the withdrawal of consent does not affect the legality of processing based on consent prior to its retraction.

It's important to note that if you withdraw your consent, certain services or features may become unavailable to you. We will inform you of any repercussions of withdrawing your consent at the time of your request.

You have the option to delete your account and associated personal information from our platform at any time. To initiate the deletion of your account, please contact us using the details provided in this Privacy Policy. Upon receipt of your request, we will promptly proceed with the deletion of your account and related personal data, unless we are legally obligated or entitled to retain specific information.

The Company is headquartered in India. While using or accessing the Platform, please note that the Company is obliged to adhere to Indian local laws exclusively, not necessarily those of your region. If you require information or clarification regarding the use of your personal information or this Privacy Policy, please feel free to contact us at Stashfing@outlook.com.