Privacy Policy

Introduction

This Privacy Policy outlines how ShinichiCash, operated by SHINICHI TECH PRIVATE LIMITED ("we," "our," or "us"), collects, utilizes, protects, and manages your personal and financial information. By downloading, installing, or using the ShinichiCash mobile application, you acknowledge your consent to the practices described herein.

About the Application

ShinichiCash is a mobile application developed and maintained by SHINICHI TECH PRIVATE LIMITED, designed to streamline the loan application process. The app serves as an intermediary platform enabling users to connect with our financial partner, LOGIX FINANCE & INVESTMENT PRIVATE LIMITED, a registered Non-Banking Financial Company (NBFC). SHINICHI TECH PRIVATE LIMITED does not directly issue loans; all credit-related decisions and disbursements are managed solely by LOGIX FINANCE & INVESTMENT PRIVATE LIMITED.

By using ShinichiCash, you understand that SHINICHI TECH PRIVATE LIMITED acts only as a technological facilitator and is not involved in evaluating or approving loan requests.

Data We Collect

Personal Information

To process your loan application, we may collect:

• Full name, contact number, and government-issued identification (e.g., Aadhaar, PAN).
• Loan-related inputs like requested amount and preferred tenure.

Device Permissions and Access

To offer complete functionality and enhance user verification, our app may request:

• Camera Access: Required for real-time identity verification through selfie capture or document scanning.
• Location Data: Used to verify address, prevent fraud, and tailor service availability.
• SMS Data: With your explicit consent, selected SMS messages related to financial transactions may be analyzed to assess repayment behavior and eligibility.
• Credit Report: Accessed via authorized credit bureaus to evaluate creditworthiness and minimize risk.
• Credit Information: Details obtained from authorized Credit Bureaus are used to evaluate credit reliability and keep records of loan qualification status.

Device Identifiers and SDK Integrations

To improve performance and maintain security, we deploy third-party software development kits (SDKs) including tools such as Firebase, Adjust, or others. These SDKs may access:

• Device information (model, OS version, IP address, unique identifiers).
• Usage data (crash reports, app interaction metrics).
• Behavior tracking (for anti-fraud analysis and app customization).

All data collected through SDKs is encrypted and processed in compliance with regulatory and cybersecurity standards.

Why We Collect Your Data

The data collected is used strictly for purposes including:

• Verifying your identity and financial standing.
• Processing your loan application and sharing relevant information with LOGIX FINANCE & INVESTMENT PRIVATE LIMITED.
• Communicating application updates, repayment reminders, and service notifications.
• Analyzing usage trends to optimize the app's design and performance.
• Preventing misuse, unauthorized access, and suspicious activity.

Sharing of Information

We may share user information under the following lawful and controlled circumstances:

• With Our Financial Partner: All personal, employment, and financial data you provide during the application process will be transferred to LOGIX FINANCE & INVESTMENT PRIVATE LIMITED for credit assessment and loan disbursal.
• Authorized Service Providers: Third-party vendors involved in credit analytics, infrastructure support, or customer service may be granted limited access, bound by confidentiality agreements.
• Legal Obligations: We may disclose information when mandated by regulatory authorities or legal orders in accordance with Indian law.

Data Security and Storage

We implement industry-recognized encryption protocols and security practices to protect your data both in transit and at rest. Information is retained only for as long as required to fulfill our service or legal obligations, such as loan tenure or audit requirements.

You may request access to, correction of, or deletion of your personal data by contacting our support team through the application or our official website.

Cookies and Tracking

ShinichiCash may employ cookies or similar technologies to enhance navigation, retain user preferences, and analyze performance. You may choose to modify or disable cookies through your device settings.

User Consent and Acknowledgment

By accessing or using ShinichiCash, you agree to the data practices described in this policy. You also confirm that you are legally competent to provide consent under applicable laws.

Communication Preferences

We may contact you regarding your loan status, support queries, or promotional offerings. If you prefer not to receive marketing content, you may opt out via the unsubscribe option provided in such communications.

Policy Updates

This Privacy Policy may be updated periodically. Any revisions will be posted within the app or on our website. Continued use of our services after changes implies acceptance of the revised policy.

Limitations and Responsibilities

While we use advanced security systems, no digital platform can guarantee absolute protection. You agree to use the platform at your own risk and accept liability for any breach or misuse of your account. We reserve the right to suspend access in case of suspicious activity or non-compliance with this policy.

Governing Law and Force Majeure

This Privacy Policy is governed by the laws of India. All disputes will be subject to the jurisdiction of Indian courts. We are not liable for delays or failures resulting from events beyond our reasonable control, including natural disasters, technical failures, or governmental restrictions.