Capeasy Microservices Foundation ("we", "us", "our") respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, and the choices you have — for anyone who visits our website or uses our loan application/EMI collection Platform.
1. Information We Collect
- Identity & KYC information: Name, date of birth, Aadhaar, PAN, photograph, address proof, and other documents required for loan KYC.
- Contact information: Mobile number, email address, residential/business address.
- Financial information: Bank account details, income details, loan and repayment history, credit bureau reports.
- Usage information: Device information, IP address, app/website usage logs, for security and service improvement.
2. How We Use Your Information
- To assess your loan eligibility, process your application, and disburse and service your loan.
- To verify your identity and comply with RBI KYC/AML regulations.
- To process EMI payments through our payment partners (e.g., Cashfree) and UPI.
- To report your loan and repayment status to Credit Information Companies, as permitted by law.
- To send you service-related communications (payment reminders, receipts, KYC status) via SMS, WhatsApp, email, or push notification.
- To improve our Platform and prevent fraud.
3. Sharing of Information
We do not sell your personal information. We may share your information with:
- Regulators and Credit Information Companies, as required by law.
- Payment gateway partners (e.g., Cashfree) solely to process your EMI payments.
- Field/collection staff, limited to the information necessary to service your loan.
- Service providers who help us operate the Platform (e.g., SMS/hosting providers), under confidentiality obligations.
4. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet is 100% secure.
5. Data Retention
We retain your KYC and loan-related records for as long as required under applicable RBI/regulatory guidelines, even after your loan is closed, for compliance and audit purposes.
6. Your Rights
- You may request access to, or correction of, your personal information held with us.
- You may withdraw consent for non-essential communications (e.g., promotional messages) at any time; this does not affect service-related communications necessary for loan servicing.
7. Cookies
Our website may use cookies to improve your browsing experience and understand usage patterns. You can control cookies through your browser settings.
8. Changes to this Policy
We may update this Privacy Policy periodically. The updated version will be posted on this page with a revised "Last updated" date.
9. Contact Us
For any privacy-related queries, please reach out via our Contact Us page.