Sharing personal information online should not feel reckless. Especially when money is involved. Salary details, bank information, identity records — these are not casual pieces of data floating harmlessly across the internet. People worry about this. Fairly. Shubh Cash recognizes that concern, which is why information shared through the Platform is handled through structured systems designed to support privacy, verification accuracy, and controlled access throughout the lending process
By using the Shubh Cash website, submitting information, or continuing through any application stage, you agree to the collection, storage, processing, and use of information in accordance with this Privacy Policy.
Certain details become necessary before financing decisions can be evaluated properly.
This may include:
name
PAN information
mobile number
email address
salary details
employment information
bank account details
KYC documentation
repayment activity
communication history
device-related information
application records
Some technical information may also be collected automatically while using the Platform. Browser type. Device configuration. IP address. Interaction patterns. Session behaviour. The invisible background layer most users never notice unless something stops working unexpectedly.
Not every data point identifies you personally. Some exist purely to maintain operational continuity, fraud prevention systems, and smoother platform performance.
The information collected helps support:
loan processing
identity verification
mobile number
repayment assessment
fraud monitoring
customer communication
compliance obligations
operational improvement
security review processes
Sometimes service interaction patterns are also reviewed internally to simplify the application journey itself. If users repeatedly get stuck at one stage, the system should improve. Not continue confusing people indefinitely.
A lending process should move clearly. Otherwise trust disappears quickly.
Shubh Cash does not sell personal information to unrelated outside parties.
Certain information may still be shared where operationally necessary with:
banking partners
payment gateway providers
verification agencies
credit bureaus
technology service providers
collection partners where applicable
regulatory authorities if legally required
The purpose remains limited. Verification, processing, compliance, continuity.
Not unrestricted circulation.
Reasonable safeguards are maintained to help protect information from unauthorized access, misuse, accidental exposure, alteration, or unlawful processing.
Still, digital infrastructure is not invincible.
Banking systems experience disruption sometimes. External integrations fail unexpectedly. Even heavily protected environments carry residual vulnerabilities because internet-based systems depend partly on networks and technologies operating beyond a single platform's direct control.
Absolute guarantees sound comforting. Rarely realistic.
The Platform may use cookies and similar technologies to:
maintain session continuity
improve website functionality
understand usage patterns
support security monitoring
optimize user experience across devices
Users may disable cookies through browser settings if preferred, although certain sections of the Platform may not function fully afterward.
Operational systems evolve. Regulations shift. Digital lending infrastructure changes constantly in small ways most users never see directly.
Because of this, the Privacy Policy may be updated periodically. Continued use of the Platform after such updates indicates acceptance of the revised version.
For concerns, clarification, or assistance related to privacy and information handling practices, users may contact Shubh Cash through the official communication channels available on the website.s
| S.No | Kinds of Information | Retention Period |
|---|---|---|
| 1 | Loan Files, including application Form, Income documents, agreements and related records collected at the time of loan application and during the relationship. | For the duration of the relationship and 5 years from closure of loan account. |
| 2 | KYC Documents (including proof of Identify, proof of address openings forms, and related records). | For the duration of the relationship and at least 5 years after cessation of the relationship. |
| 3 | Customer walk-in Complaint/Suggestion register and grievance redressal records. | 5 Years |
| 4 | Records of all transactions between RUPTOK CAPITAL PRIVATE LIMITED and the User. | 5 Years from the date of transaction |
| 5 | Records relating to deceased constituents (including death certificates, affidavits, disclaimers, succession certificates, and related correspondence). | 5 Years |
| 6 | Statutory and regulatory reporting documents submitted to regulatory authorities (e.g., RBI, FIU-IND). | As per the period prescribed under applicable law (generally 5 years, unless otherwise specified). |
| 7 | Audit logs, IT system records, and access logs relevant to loan processing and servicing. | Minimum 5 years or as required under law. |