Privacy Policy

1. Introduction

At Cashref, operated by Devoids - IT Solutions, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered financial management platform at cashref.in.

Please read this privacy policy carefully. By using Cashref, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We collect information you provide directly to us, including:

• Name and email address
• Date of birth
• Account credentials (encrypted)
• Profile information
• Account type (Personal or Business)

2.2 Financial Information

To provide our services, we may collect:

• Income and expense data
• Account balances and transactions
• EMI and subscription details
• Savings goals and budgets
• Financial categories and tags

2.3 Automatically Collected Information

• Device and browser information
• IP address and location data
• Usage patterns and preferences
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Power Pank AI to deliver personalized financial insights
• Process transactions and send related notifications
• Send you technical notices, updates, and support messages
• Respond to your comments and questions
• Analyze usage trends to improve user experience
• Detect and prevent fraudulent activities
• Comply with legal obligations

4. AI and Data Processing

Our AI assistant Pank processes your financial data to provide insights and recommendations. We want you to know:

• AI analysis is performed securely on encrypted data
• Your data is not shared with third parties for AI training
• You can request deletion of AI-generated insights at any time
• AI recommendations are based solely on your own data

5. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: With trusted third parties who assist in operating our service
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with any merger or acquisition
• With Your Consent: When you explicitly authorize us to share

6. Data Security

We implement robust security measures to protect your information:

• End-to-end encryption for sensitive financial data
• Secure HTTPS connections for all data transfers
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Secure data centers with physical security measures

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you close your account, we will delete or anonymize your data within 90 days, except where retention is required by law or for legitimate business purposes.

8. Your Rights

You have the following rights regarding your data:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data
• Portability: Export your data in a standard format
• Opt-out: Unsubscribe from marketing communications

9. Children's Privacy

Cashref is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we discover that we have collected information from a child, we will promptly delete it.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in compliance with applicable laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.