This Privacy Policy describes how Spotcash, operated by Metakosh Technologies Private Limited ("we", "our", or "us"), collects, uses, and protects information that you provide when using our credit card to bank transfer services at www.spotcash.in. By using our services, you agree to the collection and use of information in accordance with this policy.
1 Information We Collect
We collect the following categories of personal information to provide and improve our services:
- Identity Information: Full name, Aadhaar number, PAN number, or Voter ID number
- Contact Information: Mobile phone number, email address
- Financial Information: Credit card details (processed securely via POS/gateway — not stored on our servers), bank account number and IFSC code
- Transaction Information: Transfer amounts, dates, times, and settlement status
- Technical Information: IP address, browser type, device information, and pages visited on our website
Your card data is never stored on our servers. Credit card details are processed only through certified payment terminals and PCI-DSS compliant gateways (Razorpay/Cashfree). We only retain transaction confirmation references.
2 How We Use Your Information
We use the information we collect for the following purposes:
- Processing your credit card to bank transfer transactions
- Identity verification (KYC compliance as per Indian financial regulations)
- Communicating transaction status via WhatsApp and SMS
- Providing customer support and resolving disputes
- Improving our website and services
- Legal and regulatory compliance (PMLA, RBI guidelines)
- Fraud prevention and detection
- Sending service-related communications (not marketing without consent)
3 Data Security
We take data security extremely seriously and implement industry-standard measures to protect your information:
- AES 256-bit encryption for all sensitive data at rest
- 128-bit SSL/TLS encryption for all data in transit (HTTPS)
- PCI DSS compliance for all payment infrastructure
- DMCA protection for all website content
- Restricted access — only authorised personnel can access personal data
- Regular security audits and vulnerability assessments
While we implement stringent security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but we commit to using all commercially reasonable means to protect your data.
4 Data Sharing & Disclosure
We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your data only in these limited circumstances:
- Payment Processors: Razorpay, Cashfree (for PayByLink transactions) — bound by their own privacy policies and PCI DSS compliance
- Banking Partners: Only the minimum information required to complete your bank transfer
- Legal Authorities: When required by Indian law, court order, or government request
- Fraud Prevention: If we detect fraudulent or illegal activity, we may share relevant data with appropriate authorities
5 Cookies & Tracking
Our website uses cookies and similar tracking technologies to improve your experience:
- Essential Cookies: Required for website functionality (login sessions, form submissions)
- Analytics Cookies: Google Analytics and GTM to understand how users interact with our site (anonymised)
- Live Chat: Tawk.to live chat widget stores session information
You can control cookies through your browser settings. Disabling essential cookies may affect certain website features. Analytics and marketing cookies can be disabled without affecting core functionality.
6 Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal obligations (Indian tax and financial regulations require retention of transaction records for 5–7 years)
- Resolve disputes and enforce our agreements
When your data is no longer needed, we securely delete or anonymise it in accordance with our data disposal procedures.
7 Your Rights
As a user of our services, you have the following rights regarding your personal data:
- Right to Access: Request a copy of the personal data we hold about you
- Right to Correction: Request correction of inaccurate or incomplete data
- Right to Deletion: Request deletion of your personal data (subject to legal retention requirements)
- Right to Object: Object to processing of your data for marketing purposes
To exercise any of these rights, contact us at support@spotcash.in or WhatsApp +91 9090569555. We will respond within 30 days.
8 Third-Party Links
Our website may contain links to third-party websites (payment gateways, social media platforms). We are not responsible for the privacy practices of these external sites. We recommend reviewing their privacy policies before providing any personal information.
9 Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of significant changes by posting the updated policy on this page with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.
10 Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
- Email: support@spotcash.in
- Phone / WhatsApp: +91 9090569555
- Address: A-144, Shop No 1, Sector 21, Turbhe, Navi Mumbai, Maharashtra 400705