Privacy Policy

WE AT YASHIKA FINANCIAL SERVICES VALUE YOUR TRUST & RESPECT YOUR PRIVACY.

This Yashika Financial Services Privacy Policy (“Privacy Policy”) provides You (defined below) with details about the manner in which Your (defined below) data is collected, processed, stored & used by Us (defined below). You are advised to read this Privacy Policy carefully. By registering on the App (defined below) and consenting to this Privacy Policy, using any medium: website, web app, mobile site, or otherwise, You permit Us to use & disclose Your Personal Information (defined below) in accordance with this Privacy Policy. If You do not agree to the terms of the Privacy Policy, please do not use, or access the App.

Personal Information

“Personal Information” of a person means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with Us corporate, is capable of identifying such person. It includes sensitive personal data or information as below:

• Password;
• Financial information such as Bank account or credit card or debit card or other payment instrument details;
• Physical, physiological, and mental health condition;
• Sexual orientation;
• Medical records and history;
• Biometric information;
• Details relating to the above as provided to a body corporate for providing services;
• Any information received for processing, stored, or processed under lawful contract or otherwise.

Sensitive personal data that is freely available, in the public domain, or available under the Right to Information Act 2005, is excluded from this definition.

Scope of Privacy Policy

This Privacy Policy applies to all forms of Personal Information, physical and digital, collected or stored electronically or in hardcopy. It shall apply uniformly to Yashika Financial Services' website, mobile site, web/desktop plugins, and mobile applications.

Information Collected

When You use the App, We collect and store Your Personal Information to provide services and features that most likely meet Your needs and make Your experience safer and easier. This includes, but is not limited to:

• Personal information like date of birth, age, marital status, birthplace, nationality, mother tongue;
• Contact information (e.g., name, address, telephone, and email address);
• Government-issued identifiers, including PAN and GST information;
• Financial information, including bank account details, credit/debit card details, billing information, tax information, and payroll information;
• Photographs and signature copies.

Information Sharing and Disclosure

We may disclose Personal Information to third parties as required to provide You access to Our services, to comply with Our legal obligations, or to prevent, detect, and investigate fraudulent or illegal activities. Our vendors for KYC and authentication include:

• Karza Technologies Private Limited
• Digiotech Solutions Private Limited
• Moshpit Technologies Private Limited
• Hyperverge Technologies Private Limited

Data Retention

We will retain Your information as long as Your account is active or as necessary to provide services. Information may be retained up to 12 months after account cancellation to ensure compliance with applicable laws.

Information Security

You are aware of all security risks, including possible third-party interception of Your transactions on the internet. You agree and undertake that You shall not hold Yashika Financial Services liable for security risks in any way. The use and storage of any information, including credit card number, PIN, password, and account information, is at Your own risk and responsibility.

Your Rights

You have the right to withdraw Your consent or to modify Your sensitive personal data by emailing ciso@yashikafinancialservices.com.

Links to Other Sites

Links to third-party websites may be provided on the App. Yashika Financial Services is not responsible for the privacy practices of these third-party websites, and it is recommended that You review their privacy policy prior to using their sites.

Acknowledgements

By registering on the App, You accept this Privacy Policy. This Policy provides details of information collected, usage, security practices, and rights.

Contact Information

If you have questions regarding this Privacy Policy, contact us at:

Email: ciso@yashikafinancialservices.com