1. Information Collected
By accepting this Policy, you authorize Chadha Finance Limited to collect and store and use any information that you may enter, submit on WifiCash or provide to third parties. To enable you to use WifiCash, become a registered user of WifiCash and provide you with our services, we need your personal Information. We assure you that at no time will this information be sold or shared with parties not associated with us without your consent.
Users hereby agree to and authorize this platform to collect the following personal information:
a. The identity information of you and your contact persons including but not limited to name/call, Aadhaar card (number and photo), gender, age, marital status, education, address, contact number, email address, physical features, face recognition and other identity information;
b. Any data and information you provided or formed when you use this platform include but not limited to you and your linked contact’s data and information;
c. Your job information including but not limited to company name, company address, work email, profession, working years, Income type, monthly salary.
d. Your credit information including but not limited to credit investigation history and credit report;
e. Your financial information including but not limited to deposits & withdraws of Pan card (number and photo), bank cards, tax, housing property, cars, funds, insurance, stocks, trust, bonds, and other investment financial information, etc.;
f. The personal contact list you provide when you apply for our loan mainly includes name and contact number in this list. We will upload your contact list to our special server to keep;
g. You call-log information and other information left and saved in the mobile operator;
h. Your location information, that is, the location detected by our software when you use our service;
i. The information in connection with the service, and other relevant information you retain in other natural person, legal person and organizations.
2. Method & Manner to use the Information Collected
Users hereby agree to and authorize this platform to use the information described above for any one or more of the following:
a- Verify your identity to check whether you are the real person applying and operating;
b- Create and manage your account;
c- Conduct background verification, including due diligence on KYC as required by RBI and credit review on customers;
d- Timely communicate with you via email or information and send you the latest updates of WifiCash, preferential activities and market research so as to provide you with a better user experience;
e- Calculate the number of visitors to WifiCash, and Identify geographical locations, demographics, preferences, interests, and behavior of the visitors by monitoring;
f- Respond to any of your queries;
g- Review and approve your loan business to decide whether to provide you with the loan, corresponding loan amount and terms and conditions of the loan;
h- If you fail to repay the loan normally and you are overdue and cannot be contacted, the platform has the right to call the contact person in your contact list for your information and contact information and other post-loan reminder work.
i- When you visit our APP, WifiCash will collect your IP address for traffic tracking and analysis, number of customers and time spent using our APP at different time and other statistical data collection to help us manage and optimize the operation of server of WifiCash; at the same time, your IP address can also be combined with your personal information to prevent others from fraud or abuse of your account; we can also improve our product content, customer service and discount activities according to your habits to better understand your preferences, habits and interests.
3. Sharing of Users Information
WifiCash will keep the information provided by users strictly confidential and will not disclose it to any external organizations except:
3.1 We may authorize our employees or third parties service providers with cooperative relations to obtain part or all data of users when performing certain functions or services on our behalf, including data storage, data management, network storage, website analysis, marketing and email communication. These employees and third-party service providers receive user data and services ONLY when they performing certain functions or services. And they have no rights to use any user data or information for purposes other than those specified by WifiCash.
3.2 When WifiCash is involved in a major transaction such as merger, acquisition or asset sale, WifiCash shall have the right to provide user information to the relevant parties of the transaction and the intermediary organizations (including but not limited to lawyers, accountants, etc.) hired by the parties to the transaction as required by the transaction; WifiCash will continue to ensure the confidentiality of any personal information and promptly notify the affected parties prior to the transfer of any information or subject to other privacy policies;
3.3 Release user information as required by laws and regulations or supervisions, that is, the platform may disclose user’s personal information to the courts, governmental departments, superior regulatory agencies and other law enforcement agencies or as required by laws and regulations;
Persons under age of 18 years are not permitted to get engaged with WifiCash and have no permission to call for any services / to borrow through this site.
5. Limit of Liability
Chadha Finance Limited shall not be liable for any loss of data or profit caused by any delay or interruption of the use of WifiCash.
6. Account Management
It will be deemed that you operate and agree to any change of information and authorization under your account if your account is successfully logged in. Therefore, please be sure to keep your user account and service password safe from theft or disclosure. All liabilities or loss caused by account loss or theft shall be borne by you and Chadha Finance Limited shall not be held responsible.
7. Applicability of Policy
While this Policy applies to all personal information collected ,stored and used by Chadha Finance Limited, it is intended to comply only with the applicable laws Of India and all matters Of dispute are subject to the courts in New Delhi（India）
8. Compliance of Laws
Chadha Finance Limited shall always cooperate with regulatory authorities and investigating agencies in India in the matter of treatment of personal information.
9. Modifications to WifiCash
Chadha Finance Limited shall have the right to modify this Policy and App update at any time. WifiCash will make best efforts to notify you of any such modification. It shall be Your responsibility to read and understand the Policy as prevalent from time to time. Continued use of WifiCash shall be deemed to constitute acceptance of the Policy as amended.
10. For Grievance & Contact
To update any information about you on WifiCash or you have any questions about WifiCash or you wish to talk to our grievance officer, please contact at wifiCashService@gmail.com
Multiple times debiting of Customer’s Card/Bank Account due to technical error OR Customer's account being debited with excess amount in a single transaction due to technical error. In such cases, excess amount excluding Payment Gateway charges would be refunded to the Customer.
The refund and cancellation of repayment,please directly contact with WifiCash customer Service. Target:India's fastest personal loan platform.