Privacy Policy

We express our sincere gratitude for your selection of EarthStone Cash by EARTHSTONE HOLDING (TWO) PRIVATE LIMITED. Assuring the security and respect for your personal data stands as our foremost priority. The ensuing Privacy Policy delineates our approaches towards the accumulation, application, conservation, and distribution of your personal information.

Throughout this document, the terms “we” and “our” are used interchangeably to denote the collective entity of EARTHSTONE HOLDING (TWO) PRIVATE LIMITED and EarthStone Cash.

The purpose of this policy is to inform you about our protocols concerning personal data on mobile platforms. We advise you to carefully examine the following to understand our data handling procedures.


1. Use of Your Data and Collection Practices

In the course of using our loan application, we are entitled to collect information in the following categories:
Personal Identifiers: Your name, modes of contact, birth date, etc.
Economic Details: Your financial earnings, debts, and related fiscal information.
Professional Information: Your job title, employer identification, etc.
Credit Analysis: Including your credit score and detailed credit history.
Supplementary Information: Communications with our service, customer feedback, and other pertinent details.

Collection Techniques
Your personal data is obtained via:
Direct inputs from your end.
Automatic collection functionalities within our application.
External sources for the verification of identity and fiscal conditions.
To deter financial malpractices and verify your loan eligibility, we require permissions for accessing your device's camera, photo album, and address book during the KYC diligence.



2. Personal Information Protection Initiatives

Protecting your personal data is of critical importance to us. To this end, we utilize both technological solutions and managerial protocols to secure the safety, integrity, and privacy of your personal information.

Your personal data is safeguarded using state-of-the-art encryption techniques.
We maintain strict control over who can access personal information, carefully managing their access privileges.
Our team regularly performs security audits and upgrades on our personal data storage systems.
We've instituted a comprehensive privacy protection system and ensure our employees receive ongoing training to maintain a high level of expertise in data protection.


3. Purposes of Personal Information Utilization

We utilize your personal data with the objectives of:
Delivering the products and services you solicit, whilst enhancing their quality and your user experience.
Addressing your feedback or complaints and maintaining communication with you.
Offering personalized suggestions and tailoring our services to meet your needs.
Undertaking market studies and statistical evaluations to refine our products and services.
Adhering to legal and regulatory mandates, safeguarding both our and your legitimate interests.


4. Permission Acquisition and Collection Protocol

For users aspiring to apply for a comprehensive loan via our application, consent must be provided to grant us access to the following device permissions:

Camera Access: The application is permitted to utilize camera functionalities to capture images or videos. This is crucial for loan applicants to furnish evidence of their identity, serving as a measure against financial fraud.

Location Services: Permission to access device location is necessary to verify the applicant's eligibility based on geographical service coverage. Loan services are not extended beyond predetermined areas, thereby necessitating location verification.

Contact List Access: The application is authorized to access and scrutinize the device's contact list. This involves checking for adherence to local regulations in India, including the validation of consecutive numbers, among other criteria, to mitigate financial fraud and credit risk.

It is important to note that all collected data will be subject to deletion upon the completion of the loan eligibility assessment, ensuring no permanent retention of such information.


5. Personal Information Accessibility and modification

Your entitlements include accessing, editing, or removing your personal data within our database. Should you wish to proceed with any such actions, kindly initiate contact with us through our official communication channels. We assure swift assistance in facilitating your personal data inquiries and modifications.


6. Data Sharing and Transfer Safeguards

Your personal information's privacy and security are paramount to us. We guarantee not to sell, barter, or disseminate your personal data to any third party without obtaining your prior explicit approval, except in instances mandated by legal or regulatory obligations. Should circumstances necessitate the sharing or transferring of personal information, our actions will be governed by strict compliance with relevant laws and the directives outlined in this Privacy Policy.

Measures of reasonable diligence will be taken to ensure the protection of your personal information against unauthorized access or breaches.


7. Revising Our Privacy Commitment

To accurately represent our data management practices and legal compliance, we may make revisions to this privacy agreement as needed. Significant changes will be communicated to you via established notification means to maintain transparency and trust.



8. Contact Us Regarding Privacy

If you have questions or comments about this Privacy Agreement or our practices regarding your personal information, please reach out to us at:
Name of Corporate: EARTHSTONE HOLDING (TWO) PRIVATE LIMITED
CIN: U67120UP2008PTC065196
Email for Queries: contactus@earthstonein.com
Address for Correspondence: 2nd Floor, Hindustan Times House 18-20 Kasturba Gandhi Marg New Delhi, Delhi, 110001 India
We're here to provide clear answers and resolve any concerns you might have swiftly.



9. Loan Service Provider Synopsis

Entity Name: EARTHSTONE HOLDING (TWO) PRIVATE LIMITED
CIN: U67120UP2008PTC065196
Email Assistance: contactus@earthstonein.com
Certificate of Registration No.: 14·09901, issued by Reserve Bank of India
Address: 2nd Floor, Hindustan Times House 18-20 Kasturba Gandhi Marg New Delhi, Delhi, 110001 India


It's important to us that you fully understand our Privacy Agreement before using our products and services. If any aspect of this agreement raises questions, please feel free to contact us for detailed explanations.