Welcome to CashSuraj, a personal finance and asset-tracking application designed to help users in India manage their financial assets, liabilities, and daily transactions efficiently. At CashSuraj, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our app, as well as your rights regarding your information. By downloading, installing, or using CashSuraj, you acknowledge that you have read, understood, and agreed to the terms outlined in this policy.
We adhere to applicable Indian data protection laws, including the Information Technology Act, 2000, and the rules framed thereunder, to ensure your information is handled responsibly. This policy applies to all users of CashSuraj, including registered and unregistered users, and covers all interactions with our app, website, and related services.
1. Information We Collect
We collect information to provide, improve, and secure our services, as well as to offer personalized features that enhance your experience with CashSuraj. The information we collect falls into the following categories:
A. Personal Information
Types of Data Collected: When you add asset-related information within the application, you will need to provide us with some personal details, including your phone number, asset or liability status, and device ID.
Purpose of Collection: We collect this information to carefully organize your asset details, conduct in-depth data analysis, and present it to you in an intuitive chart form, so you can clearly and easily understand your full asset profile.
Data Storage and Sharing: All collected data will be securely stored on our server (https://data.allahabadit.com). We solemnly promise that this information will never be shared with any third party.
B. SMS
With your authorization, this application will filter financial SMS messages from the past six months (keywords such as "income," "loan," "repayment," "transfer," etc.) to provide automated expense tracking and analysis services, helping you easily manage your financial records. If you refuse authorization, you will not be able to use the automatic accounting features. All information is encrypted and transmitted to a secure server (https://data.allahabadit.com) to ensure your data security.
C. Camera
In order to make it easier for you to upload bills or transaction receipts, we will need to access your camera when you use our application. The collected information will be encrypted and uploaded to https://data.allahabadit.com. We strictly follow privacy protection principles and will not access, retrieve, or save any other pictures from your device's gallery. We understand the importance of user privacy and will do everything in our power to protect your information security, ensuring that it is never disclosed to any individual or third party. Furthermore, this permission is not mandatory, and you have the right to choose not to grant it, which will not affect your ability to use other features of the application.
D. Location Information
To more accurately meet your needs, we will collect the approximate location information of your device to determine whether you are within a serviceable area. The collected information will be encrypted and uploaded to https://data.allahabadit.com. We place a high priority on user privacy protection and will never disclose your information to any individual or third party. This permission is not mandatory, and you can choose not to grant it, without any impact on your user experience.
E. Call Log
We request access to your call records primarily for OTP-based account verification. This method ensures that only the account owner can log in, effectively preventing the leakage of your financial information while using the application. Rest assured, we will only retrieve and upload your recent call records for login verification purposes and will not access all of your call records. The collected information will be encrypted and uploaded to https://data.allahabadit.com. We always prioritize user privacy protection and will never disclose your information to any individual or third party.
F. Device Information
We need to collect information such as your device name, Android version, MAC address, serial number, Android ID, and system version. This information will be encrypted and uploaded to https://data.allahabadit.com. It will be used to ensure the security and legality of your product usage, accurately identify the unique device, and prevent unauthorized devices from committing fraud. Without your explicit permission, we will not provide your data to any third party.
G. Installed Applications
We will collect information about the applications installed on your device. This information helps us analyze application usage, record application names, and assist you in asset accounting management. It also facilitates our application in financial tracking and record-keeping. The collected information will be encrypted and uploaded to https://data.allahabadit.com. We place a high priority on protecting user privacy and will never disclose your information to any individual or third party. This permission is not mandatory, and you can choose not to grant it without affecting your ability to use the application.
2. How We Use and Process Your Information
We use your information to deliver, maintain, and enhance CashSuraj’s services, as well as to ensure the security of your account. Specifically, we process your data for the following purposes:
2.1 To Provide and Improve Our Services
- Account Management: Your mobile number and device information are used to create and secure your account, verify your identity, and enable login via OTP.
- Financial Tracking: Your financial details (assets, liabilities, transactions) are processed to generate personalized reports, charts, and insights (e.g., monthly spending trends, savings goals).
- Feature Enhancement: Usage data helps us identify popular features, fix bugs, and develop new tools (e.g., budget planners) tailored to user needs.
2.2 To Ensure Security and Prevent Fraud
- We use device identifiers and call logs (where permitted) to detect and prevent unauthorized access, account takeovers, and fraudulent activities.
- Location data (with consent) may be used to flag unusual login attempts (e.g., access from an unrecognized region).
2.3 To Communicate with You
- We may send transaction alerts, account notifications (e.g., password reset requests), and updates about app features via SMS, email, or in-app messages.
- With your consent, we may also send promotional content (e.g., tips for saving, exclusive offers) related to financial management. You can opt out of promotional communications at any time.
2.4 To Comply with Legal Obligations
- We may process your information to comply with applicable laws, regulations, or legal requests (e.g., court orders, tax requirements).
3. Storage and Protection of Your Information
3.1 Data Storage
- Location: Your personal and financial data is stored on secure servers located in India, in compliance with data localization requirements under Indian law.
- Service Providers: We may engage third-party cloud service providers (e.g., AWS India) to host our data. These providers are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using it for any purpose other than providing services to CashSuraj.
3.2 Data Protection Measures
We implement industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction:
- Encryption: All data transmitted between your device and our servers is encrypted using TLS 1.2 or higher. Sensitive data (e.g., financial details, passwords) is stored in encrypted form using AES-256 encryption.
- Access Controls: Only authorized CashSuraj employees (e.g., customer support, technical teams) have limited access to your data, and they are required to adhere to strict confidentiality policies.
- Regular Audits: We conduct periodic security audits and vulnerability assessments to identify and address potential risks.
- Device Security: We recommend that you secure your device with a password, PIN, or biometric lock to prevent unauthorized access to the CashSuraj app.
Despite these measures, no data transmission or storage system is completely secure. We cannot guarantee absolute security, but we continuously update our safeguards to mitigate emerging threats.
4. Your Rights and Choices
You have the following rights regarding your personal information, in accordance with applicable laws:
4.1 Access Your Information
You can view the personal information we collect about you by logging into your CashSuraj account and navigating to the “Profile” or “Account Settings” section. This includes your contact details, transaction history, and device information.
4.2 Correct Inaccurate Information
If you believe any information we hold about you is incorrect, you can update it directly in the app (e.g., edit your name or email) or contact our customer support team at help@xxx.com to request corrections.
4.3 Delete Your Information
- Account Deletion: You may request the deletion of your CashSuraj account by going to “Settings > Account > Delete Account.” Upon deletion, all your personal data (e.g., transactions, profile details) will be permanently removed, except for data we are required to retain by law (e.g., tax records).
- Specific Data: You can also delete specific information (e.g., a transaction entry) directly within the app.
4.4 Withdraw Consent
- You can revoke permissions (e.g., location, camera) at any time through your device settings (e.g., “Settings > Apps > CashSuraj > Permissions”). Note that disabling certain permissions may limit access to related features (e.g., camera access is needed to scan receipts).
- To opt out of promotional communications, click the “unsubscribe” link in marketing emails or SMS, or adjust your preferences in the app’s “Notification Settings.”
4.5 Object to Processing
You may object to the processing of your information for certain purposes (e.g., marketing). To do so, contact us at help@xxx.com, and we will respond within a reasonable timeframe.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.
- Account Data: If you have an active account, we retain your data to provide ongoing services. Upon account deletion, we remove your data within 30 days, except for data needed to comply with legal obligations (e.g., tax records, which may be retained for 7 years as required by Indian tax laws).
- Usage Data: Anonymous usage data (e.g., feature usage trends) may be retained indefinitely for analytical purposes, as it does not identify you personally.
6. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or technological advancements. When we make material changes, we will notify you via in-app notifications, email (if provided), or by posting the updated policy on our website with a new “Effective Date.”
We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of CashSuraj after the effective date of changes constitutes your acceptance of the revised policy.
7. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your information, please contact our customer support team:
- Email: help@allahabadit.com
- Working Hours: Monday to Friday, 9:00 AM to 6:00 PM IST
We will endeavor to respond to your inquiries within 48 business hours.
Thank you for trusting CashSuraj with your financial management needs. We are committed to protecting your privacy and providing you with a secure, reliable service.