Privacy Agreement
1. Introduction
“Chhatisgarh Biri Patta PRIVATE LIMITED” operates as a formal financial service entity that delivers reliable credit-related solutions through modern technological systems. Our technical framework optimizes whole lending procedures, maintaining open data practices and robust data safeguards for every user throughout their personal financial procedures.
Branch Cash-Personal Loan App is owned and managed by Chhatisgarh Biri Patta PRIVATE LIMITED.
This Privacy Agreement, hereinafter referred to as the Policy, outlines all personal user data collected by Branch Cash-Personal Loan App, alongside the approaches adopted for data processing, utilization, and external disclosure. The entire provisions below apply to all information gathered during user account registration, mobile application operation, service utilization, and other interactive module access within the platform.
Kindly read all provisions thoroughly prior to giving your consent to this document. Please ensure full comprehension and agreement with every stated term and condition contained herein.
Your sustained access and utilization of all application services signifies that you have reviewed this document, and grant us authorization to extract personal device information via our official platform.
2. Definition
Unless additional explicit explanations are stated separately, all capitalized professional terms mentioned within this Privacy Agreement shall carry identical connotations as defined under our official User Terms document, where applicable regulatory clauses exist.
3.Collection of Personal Information
Our platform gathers assorted personal data submitted by end users. Part of such information is provided voluntarily by users during account creation, service operation, and platform interaction. Additional data may be acquired from authorized third-party collaborators, or automatically retrieved throughout application usage. All data collection activities comply with regional legal regulations and support legitimate operational requirements of our lending business.
3.1 When you register the account
During your account registration process for our financial services, we may collect subsequent categories of data: (1) Geographic location data; (2) Calendar schedule data; (3) Terminal device parameters; (4) Mobile contact directory records.
3.2 When you use the App or use our Website
Throughout your access to the mobile application and official web portal, technical metadata will be automatically collected, covering network access address, browsing traces, service session duration, exclusive device identification code, hardware physical address, device brand, model configuration, and system version information.
3.3 Collect information from third parties
To sustain normal operation of loan services, we maintain cooperation with multiple authorized institutions including credit assessment bureaus, banking entities, telecom service operators, debt resolution agencies, technical service partners and affiliated organizations. We may obtain user-related data from these authorized institutions. Under such data transmission scenarios, acquired personal information is exclusively applied for business operational purposes. We implement sufficient verification procedures to confirm that such third parties have acquired valid user consent prior to data sharing, in alignment with this policy and local statutory requirements.
3.4 Access other permissions with your consent
GPS Location
Within our loan application platform, we may request authorization for geographic location data access to upgrade overall service functions and build customized user service schemes. Collected location information is adopted for legitimate operational objectives listed below:
Location-Based Services: To present regionally available loan products and corresponding service modules compliant with local qualification rules.
Security Verification: To assist user identity validation during loan application procedures and elevate overall account safety protection mechanisms.
We abide by stringent privacy protection norms during all location data processing procedures. Location access authorization remains optional for users, and relevant permission settings can be modified via application internal settings at any moment. We will not conduct external data sharing of geographic information without explicit user approval, except under mandatory legal compliance requirements.
Calendar
Calendar permission access is authorized to elevate overall user service experience via the following functions:
Payment Reminders: Establish scheduled alert notifications for upcoming loan installment repayments.
Financial Management: Assist users in arranging reasonable personal capital planning arrangements.
Such permission access facilitates orderly management of repayment obligations and integrates relevant financial arrangements into daily personal schedules.
Device Information
Terminal device data collection supports stable running and secure operation of the whole application system. Acquired device parameters are utilized for the following purposes:
Optimize User Experience: Adjust internal application operation performance matching different terminal device hardware characteristics.
Ensure Compatibility: Maintain continuous service availability across diverse mobile device models and system environments.
Strengthen Security: Identify and intercept potential fraudulent behaviors through analysis of user device operation traces.
All collected device data assists in optimizing application operation quality while fully safeguarding user data privacy security.
Contact List
Contact directory access permission is utilized for the following legitimate purposes:
Emergency Contact Support: Adopt authorized contact information for identity validation and account safety maintenance procedures.
Service Personalization: Refine internal application functions according to permitted user usage scenarios.All permission access operations focus on upgrading overall service quality under premise of user authorization and privacy protection rules.
4. Use of Personal Information
Authenticate user identity, finish official account registration, and conduct routine account management, maintenance and credit qualification validation procedures.
Maintain two-way communication with users and deliver platform-related notices corresponding to application service utilization.
Complete diversified pre-registration qualification examinations determined necessary by our internal compliant review system.
Complete loan fund disbursement procedures and process subsequent repayment collection linked to platform service utilization.
Construct internal credit assessment models and execute standardized user credit rating evaluations.
Establish communication with users via automated dial calls, pre-recorded voice messages, and short text messages under permitted regional communication regulations, following purposes defined in this privacy policy and user service terms.
Satisfy mandatory regulatory compliance obligations, including customer identity verification and anti-money laundering regulatory provisions.
Deliver customized promotional content, preferential activity information and exclusive benefit notifications to users.
Inform users of application version updates, service adjustment notices, including revised interest standards and transaction service charges.
Receive, process and provide targeted responses to user-raised inquiries, suggestions and feedback content.
Conduct system maintenance, technical testing, functional expansion and customized optimization of application modules adapting to individual user demands.
Conduct statistical analysis on user operation behaviors and demographic characteristics, covering service usage trends and platform function utilization status.
5. Retention of Personal Information
We store user personal data merely throughout the valid period required to accomplish all stated objectives within this policy document. Users hold the legal right to submit applications for permanent deletion of stored personal information under our system. Notwithstanding deletion requests, we may retain partial data to fulfill statutory obligations, settle service disputes, and enforce contractual agreements and internal policy provisions.
We also preserve platform usage statistics for internal operational analytical purposes. Most such non-personal aggregated data is stored for relatively shorter retention cycles, except when prolonged storage is required for system security, function optimization or legal compliance demands.
6. Protection of Personal Information
We deploy comprehensive multi-layered security protection mechanisms combining physical facility safeguards and digital technical defenses, preventing unauthorized access, information disclosure, data tampering and information damage incidents. All user personal data is hosted on encrypted secured server infrastructure. Our entire security framework conforms to global industrial protection benchmarks, with regular protocol upgrades and safety vulnerability testing for continuous data protection.
Absolute invulnerability of all cybersecurity defense systems cannot be fully guaranteed in network environments. Nevertheless, we will adopt all reasonable precautionary measures to safeguard user information against unauthorized intrusion and improper data utilization incidents.
7. Transfer of Personal Information
All user data including personal confidential information is processed within our business operation premises and server locations managed by authorized service partners. Such procedures may involve cross-regional data transmission to server clusters outside users’ resident states or territorial jurisdictions, where local data protection regulatory frameworks may vary.
By accepting this privacy policy and submitting personal information via our platform, users acknowledge and agree to such cross-regional data transmission activities.
We adopt sufficient protective measures to guarantee secure data processing fully conforming to this policy. We will not transmit user personal information to external institutions or overseas regions without complete and sufficient regional data protection regulatory system foundations.
8. Use of Cookies
.Multiple technical tracking mechanisms are applied for legitimate data collection, including local cookie files stored on user mobile terminals. These small data archives record user personalized preferences, sustain continuous login status, support account registration workflows, and analyze platform operation behaviors. All information collected via cookie technologies undergoes end-to-end encryption, and remains inaccessible to unaffiliated external digital platforms.
9. Third Party Websites
Our internal platform services may embed hyperlinks leading to independent external websites and applications outside our corporate operation and management scope. Clicking such external links will redirect access to independent third-party platforms. We bear no legal liability for external content content, independent privacy regulations and data operation practices of all non-affiliated third-party service platforms.
10. Marketing and Promotional Material
We may dispatch promotional notification content through diversified official channels including postal notices, voice calls, SMS messages, electronic mails, instant chat tools and in-app pop-up reminders. Such content covers preferential activity details, cooperative partnership updates, platform version upgrades and newly launched service modules.
Users hold full authority to terminate reception of all promotional information at any time, either via built-in unsubscribe functions attached in messages or direct contact through official contact channels listed later in this document.
Even after promotional message opt-out operations, we will still deliver non-commercial essential service notices, involving loan fund transfer alerts, repayment receipt records and fundamental account status update notifications.
11. Limitations of Liability
Users explicitly acknowledge and agree that our company, together with directors, staff members and cooperative partners, shall bear no legal liability for any direct, indirect, accidental, special and consequential property losses, including income loss, reputation damage, data loss and other intangible asset impairments, even under prior notice of such potential risk scenarios. Such potential losses may arise from the following scenarios:
Normal utilization or inaccessible status of provided platform services.
Unauthorized intrusion, tampering and leakage of stored personal user information.
Functional inaccessibility of the entire mobile platform system.
Operational interruption and delayed service deployment of platform functions.
All completed and uncompleted service execution status of our official system.
Hardware device damage, virus infection caused by platform access, content downloading activities, server system breakdown, and all other relevant incidents connected to platform service operation.
12. Changes to this Privacy Agreement
Our company reserves independent legitimate rights to revise and update this entire privacy agreement at any time corresponding to business operational adjustments and updated regional legal regulations. Upon policy revision, we will issue official notifications via in-app announcements, web page public notices and electronic mail. We recommend users conduct regular review of updated policy clauses. Continuous utilization of application services after policy revision release constitutes full user acceptance of all amended agreement terms.
13. Contact Us
We attach high priority to end-user privacy rights and remain committed to secure protection of all information entrusted by platform users. Regular document revision will be conducted to safeguard legitimate user rights and interests. For all inquiries, questions and feedback related to this privacy agreement, please reach out via official email address: contact@branchcash.com.