EncashBuddy

Privacy Policy

At EncashBuddy, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you browse, compare, or apply for financial products such as credit cards, loans, bank accounts, and investment-related products through our platform. By using our website, you expressly consent to the practices described in this policy.

1. Information We Collect

  • Personal Information: Name, email address, phone number, city.
  • Application Information: Income range, employment type, eligibility details.
  • Usage Data: IP address, browser, device, pages visited.
  • Communication Data: Calls, SMS, email, WhatsApp records.
  • Cookies & Tracking: Cookies, pixels, analytics tools.

2. Purpose of Data Collection

  • Listing and comparison of financial products.
  • Sharing leads with partner banks, NBFCs, and financial institutions.
  • Communication regarding offers and application updates.
  • Fraud prevention, analytics, and service improvement.
  • Compliance with applicable Indian laws and RBI guidelines.

3. Lawful Basis for Processing

We process your personal data based on your explicit consent, contractual necessity, compliance with legal obligations, and other reasonable lawful purposes. You may withdraw your consent at any time by contacting us.

4. Data Security & Storage

  • Encrypted transmission using TLS-based connections.
  • Secure servers protected by firewalls.
  • Restricted access to authorized personnel only.
  • No storage of debit/credit card or payment credentials.

Data is retained only for business or legal purposes and is securely deleted after six (6) months unless required otherwise by law.

5. Information Sharing

  • Partner banks, NBFCs, and financial service providers.
  • Regulatory or legal authorities when required by law.
  • Business transfers such as mergers or acquisitions.

6. User Consent & DND Authorization

By submitting your information, you authorize EnCashBuddy and its partner institutions to contact you via call, SMS, email, or WhatsApp regarding products and offers, even if your number is registered under DND/DNC.

7. User Rights

  • Withdraw consent at any time.
  • Request deletion or correction of personal data.
  • Restrict sharing with third parties.

8. No Biometric & Children’s Data

We do not collect biometric information. Our services are not intended for children below 18 years of age.

9. Third-Party Advertising

We may display third-party advertisements. These partners may use non-personal data to show relevant ads.

10. Contact & Grievance Redressal

EncashBuddy is a digital financial information and lead-generation platform. We do not provide financial products directly. Final decisions are made solely by partner banks, NBFCs, and institutions.