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© 2019 ALL RIGHTS RESERVED TO A IS IT CONSULTING SERVICES (PRIVATE) LIMITED. A IS IT CONSULTING SERVICES (PRIVATE) LIMITED IS A COMPANY DULY INCORPORATED AND REGISTERED UNDER THE LAWS OF SRI LANKA, WITH COMPANY REGISTRATION NO. PV00215063 GRANTED BY REGISTRAR GENERAL OF COMPANIES AT COLOMBO. A IS IT CONSULTING SERVICES OPERATES THE ONLINE PLATFORM WHICH CONNECTS THE BORROWERS WITH THE LENDERS, FACILITATES LOAN PROCESS AND IS NOT ACTING AS A LENDER OR LOAN PROVIDER.

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Privacy Policy

Effective date: 01 December 2022

CashХ respects your privacy and is committed to protecting your personally identifiable information (PII) that may be collected through your use of our website or mobile application. This privacy policy describes how we collect and use your personally identifiable information and how you can control that use.

Please read this Policy carefully. By using our Site or Services, you agree to our collection, use, and sharing of your personally identifiable information as described in this.

Information Collection and Use

Types of Data Collected

Personal Data

While using our website or Services, we might ask you to provide us with certain personal data that can be used to contact or identify you. Personal data may consist, but is not limited to

  • Contact information
    • full name
    • contact number
    • email address
    • postal address
    • and other similar information
  • Financial Information
    • full bank account details
  • Sensitive personal information
    • date of birth
    • marital status
    • government-issued ID details
    • Address, State, Province, ZIP/Postal code, City

Personally identifiable information (PII) input by Third Party

Please note that if you use our Website or Services in place of other people, such as your family, friends or employees, you must ensure that you are authorized to provide us with their Personal Information. Use of the Website in this manner automatically presumes that you have obtained proper Privacy Policy. You hereby represent and warrant that all your family, friends or employees whose personal information you have provided to us have agreed to the use, processing, storage and/or disclosure of their data in accordance with this policy and all applicable laws.

Tracking and Cookies

Depending on your when you access our Website, we may use Cookies or similar technologies on your computer or other device to record information. Cookies are files with a piece of data, which may include an anonymous unique identifier and can be stored on your hard drive to help us improve your access to the Website and identify repeat visitors. You are free to decline our Cookies on your computer or other device, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, use of the Website may be limited if you do not accept our Cookies.

Use of Data

We use the collected data for various purposes:

  • To provide and maintain the Service
  • Verify your identity and contact details
  • To notify you about your transactions & changes to our Service
  • Contact you and update you on the performance of our Services
  • Communicate with you and process your requests
  • Offer surveys, promotions, and marketing communications
  • Contact supplied personal references to verify accuracy of information and coordinate as to the identity and personal circumstances of the client
  • To Provide funds transfer services and related services
  • To provide customer care and support
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues
  • Provide electronic funds transfer services and related services
  • Collection of delinquent accounts

Electronic communications

From time to time you will receive disclosures, notices, documents and information based on your current loan status (“Communications”) from CashХ e.g.:

  • confirmations of Loans obtained by you
  • confirmation of email address or password changes
  • inquiries regarding the activity or status of relating to your use of the Website and participation in the Program may be provided or made available to you electronically by mobile SMS, by e-mail or at the Website.

Mobile Accessibility

We may offer you the ability to connect with our Services using a mobile device, either through a mobile application or via a mobile optimized website. This Privacy Policy applies to all the devices.

Disclosure of Data

CashХ will not rent or sell your personal information to third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization unless it’s a Legal Requirement.

Legal Requirements

We may disclose your Personal information in the good faith belief that such action is necessary:

  • To comply with a legal obligation
  • To protect and defend the rights or property of CashХ
  • To avoid or examine possible wrongdoing in connection with the Service
  • To protect the personal safety of the public or users of the Service
  • To protect against legal liability

Security of Data

The security of your data is our priority & important for us, however, no method of transmission over the Internet, or method of electronic storage is 100% secure. Though we strive to practice commercially satisfactory means to protect your Personal Data, we cannot assure its absolute security.

Service Providers

We may get service of third party companies and individuals to facilitate our Service to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These service providers have access to your Personal Data only to accomplish these tasks on our behalf and are obliged not to disclose or use it for any other purpose.

Links to Other Sites

Our Service might contain links to other websites that are not operated by us. If you click on a third party web link, you will be directed to that third party’s website. We have no control over and assume governed by their respective terms of use and privacy policies.

Children’s Privacy

Our website or Service does not aim anyone under the age of 18 years old. We do not knowingly collect, use, provide or process in other form any personally identifiable information from anyone under the age of 18.

Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time If any changes are made. We will reflect the date on which any such changes are made and posted by updating the “effective” date at the top of the page. If we make any material changes, will notify you by email or a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.

Contact Us

If you have any queries about this Privacy Policy, please contact us: By email: info@cashx.lk

Address: 228 Galle Road, Bambalapitiya, Colombo 04.

Term & Conditions

Introduction

CASHX is a web based fintech company which is providing instant and convenient financial solutions for the Sri Lankan citizens through its own web site cashX.lk

Use of our web site and consuming its products and services collaborate your compliance with these terms is a condition and in fact it’s determine you are agreeing to these terms & conditions and the terms of our private policy.

These term and conditions comprise a legal contract of you and CASHX controlling use of our web site and its product and services, to the extent not superseded by the terms and conditions of any contract we enter into with you for Services.

  1. Modifications

It may take some modifications and changes or additions to these terms and conditions time to time. You agree that your continued use of the Site or Services following the posting of such changes is your acceptance of such changes. Therefore, you should visit this page periodically to review any changes to the Terms. Those sudden changes will be enforceable with the effect of the date its published or notified to the registered customers who using the web, consuming the products and services.

Sri Lankan citizens who are 20 of age or above the age is eligible for these financial services providing by the cashX.lk and its totally prohibited for outsiders to obtain these services since the web site is accessible for global.

  1. Registration: Accountholder Responsibilities

Certain areas of the cashX.lk website are accessible only to registered accountholders. In order to access the registered accountholder only areas of cashx.lk, you will need the username and password you have created. You acknowledge that use of a username and a password is an adequate form of security. You are solely responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password, (2) not allowing another person to use your username or password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password, and (4) promptly informing cashx in writing of any need to deactivate a username due to security or other concerns. cashx is not liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use cashx.lk using your username or password. You must immediately notify cashx of any unauthorized use of your username or password and any breach of confidentiality. Until cashx receives this notification from you, you will be held liable for any harm ensuing from the use of your username on cashx.lk.

  1. Privacy data you provided

We collect information you provide to us, as an example when you create or modify your account, register to use our Site, purchase products or services from us, request information from us, contact customer support, or otherwise communicate with us. This information may include: name, home address, email address, home, work, and mobile telephone numbers, bank or other account numbers, date of birth or other national ID numbers, and salary and other financial information.

  1. Privacy

Cashx’s Privacy Policy applies to our use of your personal information, and its terms are expressly incorporated by reference. For more information on how we collect, share and protect your personal information, please visit our Privacy Policy.

  1. Consent to be Contacted

By submitting your contact information to us, you are expressly consenting to be contacted by us by telephone, email, visit or postal mail and use of your Contact number for personal communication.

We may contact you for application and loan servicing, including without limitation, for matters related to your loan or application, to remind you of upcoming payments, or for collections and other loan-related issues.

By submitting your contact information, registering for an account, applying for a Service or beginning an application for a Service, you are consenting to be contacted by us by written notices, email messages, text messages, telephone or visit of field officers at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access, and, in connection with any such telephone calls, you consent to the use prerecorded, artificial voice messages or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues. Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location and contact information for you.

You hereby further consent that we may utilize third party service and other providers for the purposes of contacting you on our behalf in accordance with the Terms.

You may change your contact preferences by contacting us at hotline : +94 117 562 756 or while logged into your account, by visiting the account home screen or email us @ info@cashx.lk.

  1. Intellectual Property

The cashX.lk website, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by cashx or third parties; all right, title and interest therein shall remain the property of cashx and/or such third party owner, as applicable. All content is protected by trade dress, copyright, patent and trademark laws, as well as various other intellectual property and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the site for your own personal, non- commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with cashx. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit this Site, or any portion of the Site for any public or commercial use without the express written consent of cashx Additionally, you agree that you (a) will not remove or alter any author, trademark or other proprietary notice or legend displayed on this Site (or printed pages produced from this Site), and (b) will not make any other modifications to any documents obtained from this Site other than in connection with completing information required to transact business with cashx.

  1. Electronic Signature and Documents

You agree and consent to the use of a key pad, mouse, or other device to select an item, button, icon or similar act/ action while using any electronic service we offer or in accessing or making any transactions regarding any agreement, acknowledgement, consent, terms, disclosures or conditions, constitutes your signature, acceptance, and agreement as if actually signed by you in writing. Further you agree no certification authority or other third party verification is necessary to the validity of your electronic signature and the lack of such certification or third party verification will not in any way affect the enforceability of your signature or the resulting contract between you and cashx. In addition: Any electronic document bearing a user’s e‐signature will be considered “in writing” and “we‐signed”. Any user e‐signed document shall be deemed to be an “original” document when printed and used in the normal course of business. Absent manifest error, the admissibility, validity, or use of any e‐signed electronic document cannot be contested.

  1. Advertising

Using the website and accessing its contents express your consent of receiving advertisements from the company and it might process through the resources you provided via mobile calls, emails, text messages etc.

  1. Information Collected Through Cookies and Similar Technologies

We and our service providers use cookies, and other technologies to receive and store certain types of information whenever you interact with our Site through your computer, tablet, or mobile device. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows the website to recognize your browser. Cookies may store unique identifiers, user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies. We use cookies to improve the quality of our service, including to store user preferences, track user trends and provide relevant advertising to you.

  1. Links (third part links).

This site may contain links to web sites controlled or offered by third parties (non-affiliates of cash express). cashx hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third

party sites linked to this web site. By creating a link to a third party web site, cashx does not endorse or recommend any products or services offered or information contained at that web site, cashx is not liable for any failure of any products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of cashx and the third party website may provide less security than the cashx site.

12. LIMITATION OF LIABILITY

In no event will cashx be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if cashx or our representatives, are advised of the possibility of such damages, losses or expenses.

  1. Indemnification

You agree to defend, indemnify and hold cashx and its affiliates and its and their directors, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use of or access to the Site, or access by anyone accessing the Site using your account. We reserve the right to assume or participate, at your expense, in the investigation, settlement, and defense of any such action or claim.

  1. Terms of termination

This agreement shall commence on the date you use or register your account with cashx.lk. Once you have been approved as a borrower this agreement shall remain valid and binding for the duration of any Loan to which it relates or until this agreement is either superseded according to the agreement of you and company. This agreement can be terminated by you provided that you have no outstanding Loan Commitments in place or any Loan Contracts are outstanding. Notice of termination must be provided in writing to support@cashx.lk

This agreement can be terminated by us at any time if You breach these Terms, the Website Terms of Use, the Privacy Policy or are in breach of any regulatory requirements relating to your activity as a borrower on the Platform.

  1. Miscellaneous

All rights not expressly granted are reserved to cashx. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation hereof or thereof. A party’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and therein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

  1. Governing Law

Use of this site shall be governed by all applicable federal laws of republic of sri lanka.

Contact us for more information’s

Email:- info@cashx.lk

Hotline : +94 117 562 756

Address: 228 Galle Road, Bambalapitiya, Colombo 04