Privacy Policy

Last updated: 20 September 2026

This Privacy Policy explains how CashKite Global Private Limited (CIN: U62011DC2026PTC474968), with its registered office at KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081 ("CashKite", "we", "us", "our"), collects, uses, shares and protects your personal data when you use cashkite.in and any related app (the "Platform").

It should be read with our Terms and Conditions. For the purposes of the Digital Personal Data Protection Act, 2023 ("DPDP Act"), CashKite is the Data Fiduciary for the personal data you give us.

By using the Platform and giving your consent, you agree to this Policy. If you do not agree, please do not use the Platform.

1. Who we are and what we do

CashKite is a digital platform that helps you discover and apply for loans offered by regulated Lending Partners (banks, NBFCs and other financial institutions). We are not a lender. Loans are sanctioned, disbursed and serviced by the Lending Partner, which also acts as a data fiduciary for the data you give it directly.

2. Information we collect

We collect only the data needed for the purposes in Section 3.

a) Information you provide

• Identity and contact details: name, mobile number, email address, date of birth, gender, address and PIN code.

• Financial and employment details: employment type, employer name, monthly income, existing loan obligations, loan amount and purpose.

• KYC details: PAN, and other identity or address documents where a Lending Partner requires them. Aadhaar is collected only in line with applicable law, through the permitted process, and masked where required.

• Bank account details you give us for disbursal or verification.

b) Information collected automatically

• Device and technical data: device type, operating system, browser, IP address, device identifiers and app version.

• Usage data: pages viewed, features used, time spent, and referral source.

• Cookies and similar technologies (see Section 9).

c) Information from third parties

• Credit information from credit information companies (such as CIBIL, Experian, Equifax and CRIF High Mark), only with your consent.

• Verification results from KYC, identity, bank-account or fraud-prevention providers.

• Information from Lending Partners about the status of your Application (for example, approved, rejected, disbursed).

d) What we do not collect

We do not access your phone contacts, call logs, SMS inbox, photos, media files or other files, and we do not use such data for lending, credit assessment or recovery. Where a specific feature needs one-time access to your camera or location (for example, for KYC or fraud prevention), we ask for it at that time, use it only for that purpose, and you can decline.

3. How we use your information

We use your data to:

1. create and manage your account and verify your mobile number (OTP);

2. process your Application and share it with the Lending Partners you choose or that suit your profile;

3. help Lending Partners check eligibility, verify identity and assess your Application;

4. show you offers and tell you about the status of your Application;

5. send service, transactional and, with your consent, promotional messages;

6. prevent fraud, money laundering and misuse of the Platform, and keep it secure;

7. improve the Platform, fix bugs and understand how it is used;

8. respond to your queries and complaints;

9. comply with law, regulatory requests and our agreements with Lending Partners.

We will not use your data for a purpose that is materially different from those above without asking for your consent again.

4. Your consent

4.1 We process your personal data on the basis of your free, specific, informed and unambiguous consent, given when you tick the consent box, enter an OTP or submit an Application, or on another lawful basis permitted by the DPDP Act (for example, compliance with law).

4.2 You can withdraw consent at any time by writing to care@cashkite.in. Withdrawal does not affect processing done before it, and may mean we can no longer process your Application. We may keep data we are required by law to retain.

5. Who we share your information with

We share your data only where needed and only as described here:

• Lending Partners you apply to or that we match you with, including Hero FinCorp Limited, MyMoneyBazaar, Digicredit and others we add from time to time. Their use of your data is governed by their own privacy policies.

• Credit information companies, for credit checks and reports, with your consent.

• Service providers who work for us under written contracts and confidentiality duties, such as cloud hosting, SMS/WhatsApp/email providers, KYC and verification providers, analytics and customer support tools.

• Regulators, courts and authorities, where required by law, court order or to protect rights, safety or prevent fraud.

• Successors, if CashKite is involved in a merger, acquisition or restructuring, subject to this Policy continuing to protect your data.

We do not sell your personal data.

6. Communications

We may contact you by phone, SMS, email, WhatsApp and push notifications about your Application and our services. You can stop promotional messages at any time by using the opt-out link, replying as instructed, or writing to support@cashkite.in. Service and transactional messages about an active Application may still be sent.

7. Data retention

We keep your personal data only as long as needed for the purposes in Section 3 or as required by law (including RBI, tax, and anti-money-laundering requirements). When it is no longer needed, we delete or anonymise it. Retention periods are 3 years, unless the law requires longer. Where you ask us to delete your data, we do so unless we must retain it by law.

8. Data security and storage

8.1 We use reasonable security practices and procedures in line with the IT Act, 2000 and the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, including encryption in transit (HTTPS/TLS), access controls, and regular security reviews.

8.2 Your data is stored on servers located in India, in line with applicable regulatory requirements.

8.3 No system is fully secure. If a personal data breach occurs, we will notify affected users and the Data Protection Board of India as the law requires.

8.4 Please protect your OTPs and login details. CashKite will never ask you for your OTP, PIN, CVV or password by phone, and will never ask you to pay money to get a loan.

9. Cookies and tracking

We use cookies, pixels and similar tools to keep you signed in, remember preferences, measure traffic and improve the Platform. You can block or delete cookies in your browser settings, but parts of the Platform may not work properly without them.

10. Your rights

Under the DPDP Act, you have the right to:

• access a summary of the personal data we process and the parties we shared it with;

• correct or update inaccurate or incomplete data;

• erase your personal data, subject to legal retention duties;

• withdraw consent at any time;

• grievance redressal, and to nominate another person to exercise your rights if you die or become incapacitated;

• complain to the Data Protection Board of India if we do not resolve your grievance.

To exercise these rights, email care@cashkite.in from your registered email or mobile number. We may verify your identity first and will respond within 30 days.

11. Children

The Platform is only for individuals aged 18 and above. We do not knowingly collect data from children. If we learn that we have, we will delete it. If you believe a child has given us data, please contact us.

12. Third-party links

The Platform may link to third-party sites, including Lending Partners. We are not responsible for their privacy practices. Please read their policies before giving them your data.

13. Changes to this Policy

We may update this Policy from time to time. The updated version will be posted here with a new "Last updated" date. Where a change materially affects how we use your data, we will seek your consent again if the law requires.

14. Grievance Officer / Data Protection contact

If you have questions, concerns or complaints about your data:

• Name: Abhishek

• Designation: Grievance Redressal Officer / Data Protection Officer

• Email: care@cashkite.in

• Phone: 8860302827

• Address: CashKite Global Private Limited, KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081.

We will acknowledge your complaint within 48–72 working hours and aim to resolve it within 30 days. If you are not satisfied, you may approach the Data Protection Board of India, and for loan-related complaints, the Reserve Bank of India's Complaint Management System (cms.rbi.org.in).

Terms and Conditions

Last updated: 20 September 2026

These Terms and Conditions ("Terms") govern your access to and use of the website cashkite.in, any related mobile application, and all services offered through them (together, the "Platform"). The Platform is owned and operated by CashKite Global Private Limited, a company incorporated under the Companies Act, 2013 (CIN: U62011DC2026PTC474968), with its registered office at KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081 ("CashKite", "we", "us", "our").

By accessing the Platform, creating an account, or submitting a loan enquiry, you confirm that you have read, understood and agreed to these Terms and our Privacy Policy. If you do not agree, please do not use the Platform.

1. Definitions

• "Lending Partner" means a bank, non-banking financial company (NBFC) or other regulated financial institution whose loan products are made available through the Platform, including Hero FinCorp Limited, MyMoneyBazaar and Digicredit, and any others we add from time to time.

• "Loan" means any credit facility offered by a Lending Partner.

• "User" / "you" means any individual who visits or uses the Platform.

• "Application" means the details and documents you submit to request a Loan.

• "Loan Agreement" means the agreement between you and a Lending Partner for a Loan.

2. Nature of our services

2.1 CashKite is a digital platform that helps you discover and apply for loans offered by our Lending Partners. We act as a lead-generation and loan-facilitation service provider.

2.2 CashKite is not a lender. All loans are sanctioned, disbursed, serviced and recovered solely by the relevant Lending Partner, under that Lending Partner's own credit policy, terms and applicable law. The Loan Agreement is between you and the Lending Partner only.

2.3 We do not guarantee that your Application will be approved, or the amount, interest rate, tenure or timing of any Loan. All approvals are at the sole discretion of the Lending Partner after its own evaluation and due diligence.

2.4 No employee, agent or representative of CashKite is authorised to promise or assure you that a Loan will be sanctioned. Any such statement is not binding on us or on any Lending Partner.

2.5 Lending Partners are independent of CashKite. Nothing in these Terms creates a partnership, agency, employment or joint venture between you and CashKite, or between CashKite and any Lending Partner.

3. Eligibility

3.1 To use the Platform you must be an individual who is at least 18 years old, a resident of India, and legally competent to enter into a binding contract under the Indian Contract Act, 1872.

3.2 Each Lending Partner sets its own eligibility criteria (such as age, income, employment type, credit score and location). Meeting our basic eligibility does not mean you qualify for any Loan.

3.3 We may refuse or restrict access to the Platform at any time where we reasonably believe these Terms or the law are being breached.

4. Your account and registration

4.1 You may be asked to register using your mobile number and a one-time password (OTP). You must provide accurate, current and complete information.

4.2 You are responsible for keeping your login details and OTPs confidential and for all activity under your account. Notify us immediately at care@cashkite.in if you suspect unauthorised use.

4.3 You must have only one account and must not register on behalf of another person without their authority.

5. How the loan process works

5.1 You submit your details on the Platform.

5.2 With your consent, we share your Application and relevant information with one or more Lending Partners.

5.3 The Lending Partner evaluates your Application, may verify your identity and documents (including KYC), and may check your credit information with credit information companies.

5.4 If the Lending Partner makes an offer, it will present its terms directly to you, including a Key Fact Statement (KFS) showing the annual percentage rate (APR), all fees and charges, tenure, repayment schedule and other material terms, as required by RBI regulations. Please read the KFS and Loan Agreement carefully before accepting.

5.5 Disbursal is made by the Lending Partner directly to your bank account. Repayments are made directly to the Lending Partner, or as it instructs you.

6. Fees and charges

6.1 CashKite does not charge you any fee for using the Platform or for referring your Application to Lending Partners. We are compensated by our Lending Partners.

6.2 Lending Partners may charge processing fees, GST, interest, penal charges or other charges. These are disclosed by the Lending Partner in its KFS and Loan Agreement before you accept the Loan.

6.3 Do not pay any money to any person claiming to represent CashKite in exchange for a loan approval, faster processing or any other benefit. If you are asked to do so, please report it to us immediately at care@cashkite.in.

7. Lending Partner terms

7.1 Your use of a Lending Partner's services is subject to that Lending Partner's own terms, privacy policy and Loan Agreement, which prevail over these Terms for anything relating to the Loan.

7.2 All names, logos and trademarks of Lending Partners belong to them and are shown on the Platform only with their permission. Their appearance on the Platform does not mean they endorse CashKite beyond the arrangement in place.

7.3 We are not responsible for a Lending Partner's decisions, delays, conduct, interest rates, fees, servicing or recovery practices. Disputes about a Loan must be raised with the Lending Partner first (see the Lending Partner's grievance process).

8. Consent, data and privacy

8.1 By submitting an Application, you expressly consent to CashKite collecting, storing, using and sharing your personal and financial information (such as name, contact details, PAN, address, income and employment details, and device information) with the Lending Partners you apply to, and with our service providers and authorised agents, for the purposes of processing your Application, verification, fraud prevention, and providing our services.

8.2 You also consent to CashKite and Lending Partners obtaining your credit information from credit information companies (such as CIBIL, Experian, Equifax and CRIF High Mark).

8.3 We handle your data in accordance with the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 and our Privacy Policy. You may withdraw consent at any time by writing to care@cashkite.in, subject to legal requirements and to processing already carried out. Withdrawing consent may mean we can no longer process your Application.

8.4 We use reasonable security practices to protect your data, but no system is completely secure and we cannot guarantee absolute security.

8.5 We do not access your phone's contacts, photos, or files, and do not use them for any lending or recovery purpose.

9. Communications

9.1 You agree that CashKite, and Lending Partners, may contact you by phone, SMS, email, WhatsApp, push notification and other channels about your Application, offers, service updates and related matters, even if your number is registered on the Do Not Disturb (DND/NDNC) registry.

9.2 You can opt out of promotional communications at any time by writing to info@cashkite.in or using the opt-out option in the message. Transactional and service messages related to an active Application may still be sent.

10. Your responsibilities

You agree that you will:

• provide true, accurate and complete information and documents;

• use the Platform only for lawful personal purposes;

• not impersonate anyone or use another person's identity, documents or bank account;

• not upload viruses, scrape data, reverse-engineer the Platform, or interfere with its operation or security;

• not use the Platform to commit fraud, money laundering or any offence;

• not copy, resell or commercially exploit any content or services on the Platform without our written consent.

Providing false or misleading information may lead to rejection of your Application, suspension of your account, reporting to Lending Partners, credit bureaus and authorities, and legal action.

11. Repayment and collections

11.1 You are solely responsible for repaying your Loan on time as per the Loan Agreement. Late or missed payments may attract charges and be reported to credit bureaus, harming your credit score.

11.2 Recovery is carried out only by the Lending Partner or its authorised agents in line with RBI's fair practices guidelines. CashKite may, where required by a Lending Partner, send you payment reminders (for example, before the due date or after a missed payment) on the Lending Partner's behalf.

12. Credit-related information and calculators

Any credit score, eligibility indication, EMI calculator or comparison shown on the Platform is indicative only and based on the information you provide or third-party data. It is not an offer, sanction or guarantee.

13. Intellectual property

All content on the Platform, including the CashKite name, logo, design, text, graphics and software, is owned by or licensed to CashKite and protected by applicable intellectual property laws. You receive a limited, non-exclusive, non-transferable, revocable licence to use the Platform for personal, non-commercial purposes in accordance with these Terms. No other rights are granted.

14. Third-party links and services

The Platform may link to websites or services operated by others. We do not control or endorse them and are not responsible for their content, security or practices. Your use of them is at your own risk.

15. Disclaimers

15.1 The Platform and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy, uninterrupted or error-free operation, and availability of any Loan.

15.2 Information on the Platform is for general guidance and is not financial, legal or tax advice. You should evaluate any Loan independently and borrow only what you can afford to repay.

16. Limitation of liability

16.1 To the maximum extent permitted by law, CashKite, its directors, employees and affiliates will not be liable for any indirect, incidental, special or consequential loss, or any loss of profit, data or goodwill, arising from your use of, or inability to use, the Platform, or from any act or omission of a Lending Partner or other third party.

16.2 Where liability cannot be excluded, our total liability to you for any claim shall not exceed [₹ amount / the fees, if any, you paid to CashKite in the preceding 12 months].

16.3 Nothing in these Terms limits liability that cannot be limited under applicable law.

17. Indemnity

You agree to indemnify and hold harmless CashKite, its directors, officers, employees and affiliates from any claim, loss, damage, penalty or expense (including reasonable legal fees) arising from your breach of these Terms, your misrepresentation or false information, your violation of any law or third-party right, or your misuse of the Platform.

18. Suspension and termination

18.1 We may suspend or terminate your access at any time, with or without notice, if you breach these Terms, provide false information, or if required by law or a regulator.

18.2 You may stop using the Platform and request deletion of your account at any time by writing to support@cashkite.in. Data we are legally required to retain will be kept as the law requires.

18.3 Clauses that by their nature should survive termination (including disclaimers, limitation of liability, indemnity, governing law and dispute resolution) will continue to apply.

19. Grievance redressal

If you have a complaint or concern about the Platform or our services:

Step 1: Write to our Customer Support at support@cashkite. We will acknowledge your complaint within 48-72 working hours.

Step 2: If unresolved within 7 working days, escalate to our Grievance Redressal Officer:

• Name: Abhishek

• Designation: Head Business & Operations

• Email: care@cashkite.in

• Phone: 8860302827

• Address: KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081

We aim to resolve complaints within 30 days.

For complaints about a Loan, please also use the Lending Partner's grievance process. If you are not satisfied, you may approach the Reserve Bank of India through the CMS portal (cms.rbi.org.in) or the RBI's Complaint Management System, as applicable.

20. Governing law and dispute resolution

20.1 These Terms are governed by the laws of India.

20.2 Any dispute arising from these Terms shall first be attempted to be resolved amicably through discussion within 30 days of written notice.

20.3 If not resolved, the dispute shall be referred to arbitration by a sole arbitrator appointed by mutual consent, in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration will be Delhi, the language will be English, and the award will be final and binding.

20.4 Subject to the above, the courts at Delhi shall have exclusive jurisdiction.

21. General

• Changes: We may update these Terms from time to time. The updated version will be posted on the Platform with a new "Last updated" date. Continued use after that means you accept the changes.

• Entire agreement: These Terms, with our Privacy Policy, are the entire agreement between you and CashKite regarding the Platform.

• Severability: If any provision is held invalid, the rest remains in effect.

• No waiver: Failure to enforce any right is not a waiver of it.

• Assignment: You may not assign your rights under these Terms. We may assign ours to an affiliate or successor.

• Force majeure: We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, war, strikes, government action, power or network failures.

• Language: These Terms are in English. If translated, the English version prevails.

22. Contact us

CashKite Global Private Limited
KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081
Email: info@cashkite.in
Website: https://cashkite.in

Grievance Redressal

If you have a complaint about CashKite, or about how a lending partner has treated you, please contact us. We will respond as set out below.

Step 1: Customer support

Write to support@cashkite.in. We will acknowledge your complaint within 48–72 working hours.

Step 2: Grievance Redressal Officer

If your complaint is not resolved within 7 working days, escalate it to our Grievance Redressal Officer:

• Name: Abhishek
• Designation: Head Business & Operations
• Email: care@cashkite.in
• Phone: 8860302827
• Address: CashKite Global Private Limited, KH 1227/2, Ground Floor, Village Karala, North West Delhi, Delhi 110081

We aim to resolve complaints within 30 days.

Loan-related complaints

For a complaint about a loan, please also use the lending partner's own grievance process; the lender's contact details are in your loan documents. If you are not satisfied with the response, you can approach the Reserve Bank of India through its Complaint Management System at cms.rbi.org.in. For complaints about your personal data, you may approach the Data Protection Board of India.

Lending Partners

CashKite is a loan service provider. It does not lend money. Loans are made by the regulated lenders below or, where a partner is itself a lending service provider, by the RBI-registered NBFC it works with. The name of the lender, and every rate and fee, is shown to you in the lender's Key Fact Statement before you accept any loan.

Names and logos of lending partners belong to their respective owners.