Privacy Policy – CashHub

1. Information We Collect

• Basic Customer Information: Full name, mobile phone number, email address, residential address, date of birth, and identification documents.
• Loan Application Data: Financial details, employment status, loan history, and transaction records necessary for processing your loan.
• Contact Information: With your permission, we may access your phone contacts. This helps verify your identity, assess creditworthiness, and reduce fraud risk.
• Device Information: Device model, operating system, IMEI, GAID, IP address, SIM information, installed apps (used for fraud detection), and Wi-Fi data.
• Location Data (Approximate): With consent, we collect your device’s approximate location to help detect suspicious activity and ensure regional service eligibility. We do not track precise GPS coordinates.
• Calendar Access: Used only to help remind you of your loan repayment due dates. No calendar events or personal content is accessed or stored.
• Camera Access: Required to capture KYC documents or selfies as part of the loan application and identity verification process.
• Marketing & Analytics SDKs: We use Firebase and Facebook SDKs to improve app performance, track usage patterns, and deliver personalized offers. These tools help us optimize user experience without collecting sensitive personal data.

2. How We Use Your Information

• Process and manage loan applications and accounts.
• Communicate loan status, reminders, and updates.
• Personalize services and product offerings.
• Enhance security and detect fraud.
• Support collection and recovery of outstanding loans.
• Meet legal and regulatory obligations.
• Improve App performance and analyze usage.
• Support marketing via Firebase and Facebook SDK.

3. Consent and Permissions

By using our App, you consent to the collection and use of your information. You may manage or revoke app permissions (e.g., location, calendar, camera) via your device settings. Disabling some permissions may limit App features.

4. Data Sharing

• With lending partners for loan processing.
• With trusted service providers under confidentiality agreements.
• With authorities if legally required.

We do not sell your personal data to third parties for marketing or other purposes.

5. Data Security and Storage

We use industry-standard security (e.g., AES/DES encryption, HTTPS transmission, access controls). Data is securely stored on our servers at:

https://api.cashhub.cc

Access is restricted to authorized personnel only.

6. Data Retention

Your personal data is retained only as long as necessary for services, legal obligations, or transactions. Upon account deletion or user request, data is securely deleted within 30 business days unless required by law to retain it longer.

7. Your Rights

• Access, correct, or update your data.
• Withdraw consent or delete your account/data.
• Manage permissions through device settings.

To exercise these rights, contact us via the in-app support center.

8. Account Deletion

Deleting your account results in permanent loss of personal data, loan history, and services. Make sure there are no active loans or pending payments before requesting deletion. You can initiate deletion via the app help center or use the in-app data deletion link. We process deletion within 30 business days.

9. Use by Minors

CashHub is not intended for users under 18. We do not knowingly collect data from minors. If such data is found, it will be deleted.

10. Limitation of Liability

We are not liable for indirect or consequential damages from using the App or third-party services. We are not responsible for failures or delays beyond our control.

11. Policy Updates

We may update this Privacy Policy to comply with new laws or changes in practices. Continued use of our App after updates indicates acceptance of the revised policy.

12. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us using the in-app support or help feature.