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Privacy Policy

This website (referred to as the “Website”) is owned and operated by Etyacol Technologies Pvt. Ltd (the “Company”). Protecting your privacy is very important to us, thus we have developed this Privacy Policy to protect your personal information to the best of our ability. We endeavour to comply with the laws of other countries but cannot and do not warrant that we do. We do everything we reasonably can to protect your rights of privacy on systems and the Website, but we are not liable for any unauthorized or unlawful disclosures of your personal and confidential information made by any other third parties who are not in our control, which includes certain advertisers and service providers that have links to our Website. Our Privacy Policy is subject to change at any time without notice, thus you are requested to review this Privacy Policy periodically for your awareness and record. The Privacy Policy should be read together with the Terms of Use available in


1. Collection of Personal Information and related information

This Privacy Policy explains how the Company collects personal and non-personal information, classified as mandatory or voluntary and uses, discloses and protects such information through the Website. 'Personal Information' is a data that can be used to uniquely identify you or contact you ("Personal Information"). Personal Information for the purposes of this Privacy Policy shall include, but not limited to, information regarding your name, address, telephone number, date of birth, gender, e-mail address, etc. You may need to provide the Company your Personal Information while transacting through the Website for instance while creating an unique User ID for yourself or while participating in any online survey associated with the Company. We collect only such Personal Information that we believe to be relevant for the purpose of transacting with the service providers through our Website and is required to understand you or your interests or to prevent fraud and unlawful use.

Apart from your Personal Information, in an effort to make our Website effective, we may also collect certain other information each time you visit the Website. Such information may be stored in server logs. These encrypted statistics do not identify you personally, but provide us the information regarding your visit to the Website and the type of user who is accessing our Website and certain browsing activities by you. This data may include but not limited to: IP address of your equipment/server from where the Website is being accessed, the type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.), the operating system of your system and the Website You last visited before visiting to our Website. The duration of your stay on our Website is also stored in the session along with the date and time of your access. These data are used by the Company to understand the use and number of user visiting the Website. Some of the information related to the Website and Your visit to the Website may be shared by the sponsors, investors, advertisers, developer, strategic business partners, service providers and some associates in order to enhance and grow our business and the Website but we assure that these information will never include any of Your Personal Information. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. Cashkumar Borrower app may collect information with your consent from your mobile device like device location, device information (including storage, model, installed apps, Wi-Fi, mobile network) transactional and promotional SMS, communication information including contacts to provide customised offerings. If you wish to change any personally identifiable information (such as an email address or zip code), then you can do so by updating the “My Profile” page. When you update information, the Company may keep a copy of the prior version for its records.

2. Cookies and its usage

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on the Website. We use both “session ID cookies or session cookies” and “persistent cookies.” We use session cookies to make it easier for you to navigate the Website. A session cookie expires when you close your browser. If you check “remember me on this computer” when logging in to the Website, we set a persistent cookie to store your username, passwords etc., so that you do not have to enter it more than once. The persistent cookie also enables us to enhance the experience on the Website. The persistent cookie is removed when you uncheck the “remember my email address” check box. Your web browser allows you to control and limit cookies on your computer. If you reject cookies, you may still use the Website, but your ability to use some areas or functions of the Website may be limited. Some of our business partners (such as advertisers) use cookies on their Website. We have no access to or control over these cookies. Please note that, this Privacy Policy covers the use of cookies by us only and does not cover the use of cookies by any advertisers.

3. Use of Personal Information

The Company does not trade or sell your Personal Information in any manner, except as specified herein, or if express consent is sought from you. The Personal Information provided by you may be used for the followings:

a) to facilitate your use of the Website;

b) to respond to your inquiries or fulfil Your requests for information about the various services from the service providers registered with our Website

c) to provide you with information about Our services and to send you information, materials, and offers from the Company;

d) to send you important information regarding the Website and/or other administrative information;

e) to send you surveys and marketing communications that we believes may be of interest to you;

f) to personalize your experience on the Website by presenting advertising, products and offers tailored to you;

g) to help you address your problems with the Website including addressing any technical problems;

h) if you transact or avail of any service through the Website, to assist you to complete and fulfil your sell, purchase or exchange of currencies;

i) for proper administering of the Website;

j) to conduct internal reviews and data analysis for the Website (e.g., to determine the number of visitors to specific pages within the Website);

k) to improve the services, content and advertising on the Website;

l) to protect the integrity of the Website; and

m) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law.

You acknowledge that apart from your Personal Information, if you upload any content on the Website, such content may contain information including Personal Information and the same may be available to the other users of the Website. The Company will not be liable for the disclosure and dissemination of such Personal Information to any third parties. We are not responsible for the privacy or security of any information, personal or otherwise that you may choose to communicate or exchange using the functionality of the Website.

4. Disclosure

The Company may disclose aggregated information about the use of the Website, but it will never contain Personal Information. The Company does not disclose Personal Information to third parties in the normal course of operations. The Company may disclose any information which we may have about you (including your identity) if the Company determines that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Website, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) the Company’s rights or property, or the rights or property of users of the Website, including our customers. The Company reserves the right at all times to disclose any information that we deem necessary to comply with any applicable law, regulation, legal process or governmental request. The Company also may disclose your information when we determine that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes.

You acknowledge and agree that the Company may preserve any communication with you through the Website and may also disclose such data if required to do so by law or if the Company determines that such preservation or disclosure is reasonably necessary to: (1) comply with legal process; (2) enforce this Privacy Policy; (3) respond to claims that any such data violates the rights of others; or (4) protect the rights, property or personal safety of the Company, its employees, users of, or visitors to, the Website, and the public.

5. Security

We implement standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, no internet site can fully eliminate such security risks and we are no exceptions. Our Website may contain links to other sites. We are not responsible for the privacy practices of such other sites. We encourage users to be aware when they leave our Website and/or website and to read the privacy policy of other sites that collect personally identifiable information. This Privacy Policy applies only to information collected on Website. The Company is not responsible for any breach of security or for any actions of any third parties that receive your Personal Information. Notwithstanding anything contained in this Privacy Policy or elsewhere, the Company shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event. "Force Majeure Event" shall mean any event that is beyond the reasonable control of the Company and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, etc.

6. Miscellaneous

By using this Website and the content and services provided on the Website, You agree and acknowledge that your Personal Information collected through the Website may be transferred across national boundaries and stored and processed in any the country around the world. You also acknowledge that in certain countries or with respect to certain activities, the collection, transfer, storage, and processing of your information may be undertaken by trusted third party vendors or agents of the Company such as web hosting providers, communication services, and web analytic providers, to help facilitate the Company in providing certain functions. By using this Website and/or by registering yourself at the Website you authorize us, our affiliates, service providers and our associate partners to contact you via email or phone call or sms and offer you their services which you have opted for through our Website and irrespective of the fact if you have registered yourself under DND or DNC or NCPR service, you still authorize us to give you a call from the Company and its registered service providers for a period of 45 days of your registration with us. You and every third party is hereby informed that the Company is not the agents or intermediaries or the sub-agent or sub-intermediaries of the service providers, users, buyers and/or the sellers transacting using the Website. The Company its directors, shareholders, officers and employees are in no way responsible to or liable to the users of the Website for the transactions made through the Website.

The Privacy Policy shall be governed by the laws of Republic of India. You further agree that any disputes or claims that you may have against us will be resolved by a court located in the city of Bangalore, state of Karnataka, India and you agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action. By visiting the Website you agree to (i) waive all claims that you might otherwise have against us based on the laws of other jurisdictions, including Your own; (ii) irrevocably consenting to the exclusive jurisdiction of, and venue in, court of Bangalore in the state of Karnataka, India over any disputes or claims you have with us; and (iii) submitting yourself to the personal jurisdiction of such courts for the purpose of resolving any such disputes or claims. Any dispute, differences or controversy of whatever nature and howsoever arising under or out of or in relation to these Terms of Use, or Privacy Policy and other notifications published on the Site (the ‘Dispute’) shall, in the first instance be attempted to be resolved amicably. Any Dispute which is not resolved amicably by conciliation within the period of 30 days shall be finally decided by arbitration in accordance with and subject to the provisions of the Arbitration and Conciliation Act, 1996. The Venue of such Arbitration shall be city of Bangalore, Karnataka, India and language of Arbitration shall be English. The award passed in such arbitration shall be final and binding upon the Parties to the dispute and you shall bear all costs and expenses (including attorney fee) related to such arbitration proceedings. If any part of these Terms of Use or Privacy Policy is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of these Terms of Use and the remaining portions shall remain in full force and effect. You shall not assign any rights or obligations or liabilities created hereunder to any third party, however we reserve the right to assign any right or obligations or liabilities to any third party.

7. Contact Us

For any query or assistance, feel free to contact us on the following address:

Name of Person: Dhiren Makhija
Designation: Director
Email ID: