In this document Excite Visions and Retail Technology Private Limited is referred to as “Cashyear “we” or “us” and users as “user”, “users” “you” or “your”, merchants as “merchant”. The services we provide are referred to as the “service”. “Points” means the points awarded to you by merchants.
i. The type of information that is provided or shared by “You” for availing products and services provided on CashYear platforms and the information that “CashYear Entities” and “service providers” collect from you.
ii. The purpose of collection of such data and information from “You”. and how “We” intend to use the data provided and collected by “Us”.
iii. Our policy on sharing and transferring your data or information with/to “Service Providers”, “Business Partners”, and “CashYear Entities”.
iv. The information security practices followed to secure your data and information including data/information retention and destruction policy.
v. To make you aware of data/information handling disclosures, and “Your” rights.
Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website/Application to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.
i. Personal Information - any information that relates to You, which, either directly or indirectly, in combination with other information available is capable of identifying You as a person. Your personal information shall include but not limited to the following -,
a. Your name, parent’s name, address, telephone number, e-mail address and other demographic information.
b. Your date of birth, gender and marital status.
c. Any other information provided by you as part of “Know your customer” norms as required under applicable laws.
d. Information related to transactions processed on CashYear platforms, excluding payment instrument details.
ii. Sensitive Personal Information - Data or information of a person means which consists of information relating to -
b. Financial information such as Bank account or credit card or debit card or other payment instrument details
c. Physical, physiological and mental health condition
d. Sexual orientation
e. Medical records and history
f. Biometric information
g. Any information relating to the above points shared by you.
h. Any of the information received by CashYear Entities for processing, stored or processed under lawful contract otherwise.
Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as Sensitive Personal Information and may be regarded as Personal Information.
iii. Non-Personal Information- We and our Service Providers may collect non-personal data while you access CashYear platforms via url, smartphones or any other mobile devices. This information shall not identify “you” as a person.
a. The devices and identification numbers of devices used by you to access CashYear platforms.
b. I.P address and information related to the I.P address.
c. Your geographic location, cookies stored on your browser/devices and behaviour on CashYear platforms.
d. The operating system of your device, browser, browsing behaviour and any other data as permitted to be stored by mobile app stores.
e. OTP sent to you by your issuer bank or CashYear platforms exclusively to carry out transactions on CashYear platforms.
f. Your messages on message boards, chats or any other message/feedback areas shared on CashYear Platforms and Social Media.
Information may be collected in various ways and formats during the course of your visit or access to CashYear Platforms by way of -
g. Visiting CashYear platforms.
h. Registering on CashYear platforms as an “user” or “merchant” or any other relationship that may be governed by terms and conditions listed on CashYear platforms.
i. Transacting or attempting to transact on CashYear platforms.
j. Accessing, links, e-mails, notifications sent or owned by CashYear platforms.
k. Otherwise dealing with any of the “CashYear Entities”
We may automatically track certain information about you based upon your behaviour on our App. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users. This information is compiled and analysed on an aggregated basis.
We and our Service Providers use data collection tools such as cookies/similar,etc on certain pages of the app to help analyse our app page flow, measure promotional effectiveness, and promote trust and safety. We offer certain features that are only available through the use of a 'cookie'
Purpose and Use of Information
CashYear aspires to deliver a safe, efficient, smooth and customized experience. We aspire to provide services and features that most likely meet your needs, and to customize our Website/Application to make your experience safer and easier. CashYear may collect, use, store and transfer your Personal Information including Sensitive Personal Information and Non-personal information for the following purposes
a. Verification of your identity, access, privileges assigned in order to provide the services you request, or we intend to offer.
b. To resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services,
c. To inform you about online and offline offers, products, services, and updates; customize your experience and Improving your experience while using the application by presenting advertising, products and offers tailored to you.
d. To detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.
e. To analyze demographic and profile data about our users' activity on our app.
f. To help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.
g. Responding to the judicial process and providing information to law enforcement agencies or any government agency in connection with a query/investigation on matters as permitted by law.
h. Allow third parties to contact with You for products and services availed/requested by You on CashYear platforms or third party links.
i. To identify security breaches and attacks, investigating, preventing and taking action on illegal or suspected fraud or money laundering activities and conducting forensic audits as part of internal or external audit or investigation by any of the CashYear Entities or government agencies located within India or outside Indian Jurisdictions.
j. Sharing, disclosing and transfer of data in case of any major event such as merger, acquisition, sale or transfer of assets in case of any Force Majeure event to any other CashYear Entity or third party.
k. For data processing, statistical or risk analysis and for analytics and review for improvement of the product/services.
l. For designing and marketing, CashYear products/services and its affiliates products/services.
m. For conducting risk management.
To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses.
We identify and use your IP address to help diagnose problems with our server, and to administer our app. Your IP address is also used to help identify you and to gather broad demographic information.
We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our app, providing you with content that we think you might be interested in and to display content according to your preferences.
Information Storage and Sharing
Your Personal Information and Sensitive Personal Information shall be stored in electronic form with exceptions, wherein the data is required to be maintained in physical form in information and data centers located within Indian Jurisdictions.
Your data may be collected, stored and processed in countries other than Indian Jurisdictions by Us or our Service Providers as permitted under applicable laws.
b. We shall share personally identifiable information / Sensitive Personal Information provided by you to Business Partners/Service Providers and CashYear Entities in the course of making transactions.
c. Your data shall be shared with Service Providers that CashYear work with for services not limited to communication, marketing, data and information storage, transmission, security, analytics, fraud detection, risk assessment, academics.
d. Your data may be shared with the internal investigation department within CashYear Entities or agencies appointed by CashYear Entities for investigation purposes located within or outside Indian Jurisdictions.
g. We have affiliates around the world. To the extent permitted by law, we may share information with them for specific purposes not limited to investigation or forensics
Retention period - We retain your information for as long as needed or permitted considering the purpose(s) for which it was obtained and will retain this information till such period as prescribed under applicable law.
Cashyear will charge merchants an annual subscription fee for its services. There is no refund policy.
For Customer Application on ongoing transaction/ Failed or pending transaction, There is a refund policy according to service provider.
Cashyear may at any time modify these terms and conditions. Any modifications will become effective the posting of the modified terms and conditions on the website. We will notify you by email to the email address that we hold for you.
Cashyear reserves the right to terminate the service and/or your use of the service at its discretion without notice.
Cashyear shall be entitled, at its sole discretion, to suspend, restrict and/or terminate, without notice of any kind, your access to the application or your Cashyear account for any reason. Notwithstanding the foregoing, Cashyear shall not be required to review or monitor any posted information entered into the application or otherwise submitted by you, and you shall be solely responsible for the veracity and accuracy of all such data, content and information. You also acknowledge and agree that Cashyear is not responsible for any information provided to third parties.