Last updated: December 17, 2025
GROWTHX BUSINESS TECHNOLOGY SOLUTIONS PRIVATE LIMITED (we, our, us, Cash247), is a company incorporated under the Companies Act, 2013, having its registered office at Office No. 511, 5th Floor, Tower B, Alphathum, Sector 90 Nepz Post Office, Gautam Buddha Nagar Noida - 201305 India (IN). Cash247 operates primarily in the financial products and services sector, utilizing technology platforms such as Websites, Apps, and Platforms (defined below), along with providing data processing services to customers and businesses. We collaborate with our Partner Lenders Siddhi Traders Private Limited, Chhotaria Securities Private Limited, and Meghdoot Mercantile Private Limited, Non-Banking Financial Companies (NBFCs) registered with the Reserve Bank of India (RBI), to deliver financial products and services.
Partner NBFC details:
Name: SIDDHI TRADERS PRIVATE LIMITED
CIN: U51109WB1989PTC047253
Registered Office: Holding No 113/722, Near Fire Station Above Pyramid Steel Furniture Alipurduar Jalpaiguri, West Bengal 736121
Website: https://siddhitpl.com/lsppartner/
Name: CHHOTARIA SECURITIES PRIVATE LIMITED
CIN: U67120WB1995PTC072491
Registered Office: 4th Floor, Magneto Offizo, Labhandi, Raipur (C.G)
Website: https://chhotariasecurities.com
Name: MEGHDOOT MERCANTILE PRIVATE LIMITED
CIN: U51909WB1996PTC076952
Registered Office: 3C, 11th Floor, Industry House, Camac Street, Kolkata, West Bengal, 700017
Website: https://meghdootmercantile.com
This Privacy Policy explains how cash247 collects, stores, manages, uses, shares, and processes your Personal Information and Sensitive Personal Information when you use our Websites, Apps, and Platforms.
By using our Websites, Apps, Platforms, or any services we offer, you acknowledge and accept the terms of this Privacy Policy.
You may be required to give consent for cash247 to collect, use, store, disclose, or process your Personal and Sensitive Information.
Any consent previously given while using our platform will continue to apply to all existing data you shared with us.
We may update this Privacy Policy from time to time. We encourage users to periodically review this page.
Personal Information refers to any data that can be used to identify you directly or indirectly.
Includes financial data, credit history, bank information, card details, biometric identifiers, and health-related data, unless publicly available.
cash247 reads only financial SMS from official 5 or 6-digit senders to verify income and cash flow. We do not read private or personal SMS.
Phone Data may be accessed by Partner Lenders for KYC and risk assessment. cash247 does not store this data.
We collect information when you apply for loans, interact with our platform, complete KYC, request support, join promotions, or grant device permissions.
Includes data from banks, credit bureaus, merchants, payment partners, or publicly available records.
We process Sensitive Personal Information only with your explicit consent and in compliance with Indian laws.
We may read the headers of all SMS to check the type of sender. We only read the indicative SMS content from 6-digit alpha numerical number for verification purposes. Pertinent information such as sender names, SMS content, received timestamps are periodically collected for the purpose of provision of financial and allied services and the data is transmitted to third parties. This information may be securely transmitted to our Partner NBFC and authorized service providers, only for the purposes described below.
It is important to note that we do not read or analyze personal or OTP messages, except OTP messages sent by us, which are linked to our purpose of use during lifetime of the app installed. This data may be used to verify financial statistics such as income, spending patterns which help us in the credit evaluation and may help us in facilitating higher limits, faster approval rates and for fraud detection & prevention.
With your explicit consent, our app may collect metadata about installed and system applications on your device. This information is securely processed through our trusted technology partner, Credeau (www.credeau.com), which provides device-intelligence services to our Partner NBFC.
This data is used strictly for:
Important safeguards:
With your explicit consent, our app may request one-time access to your device location. This is used strictly to:
We do not continuously track your location. Location access is temporary and limited to the purposes stated above.
With your consent, our app may collect limited device-related information to enhance security and prevent fraud. This may include:
We do not collect permanently identifiable device identifiers (such as IMEI, serial number, or MAC address), in full compliance with Google Play policies, RBI Digital Lending Directions 2025, and the Digital Personal Data Protection Act, 2023.
Our app may request Phone State permission only with your explicit consent. This is strictly for:
We do not use this permission for call logs, contacts, or any unrelated purposes. All access is carried out in line with RBI Digital Lending Framework and applicable Indian privacy laws.
We do not collect or store biometric data.
Cash247 App is hosted in India and We ensure that every data or information that we collect from you is stored in servers located in India and the same is compliance with all the statutory/regulatory obligations.
We display just-in-time consent screens for permissions like SMS, location, phone state, and app list in accordance with Google Play policy.
For detailed inquiries, contact: +91 9217812623
You may receive marketing messages unless you opt out. All marketing follows Indian law.
Cash247 shall not retain personal information longer than is necessary to fulfil the purposes for which it was collected and as permitted by applicable law. However, the Lending partners will retain your personal information as needed during the tenure of loan and even after termination of account to comply with our legal and regulatory obligations, resolve disputes, conclude any activities related to the cancellation of an account, investigate, or prevent fraud and other inappropriate activity, enforce our agreements, and for other business reasons.
Your data may also be retained temporarily in backup systems to ensure disaster recovery, system restoration, or legal hold purposes, although access will be restricted, and deletion will be scheduled in accordance with our internal retention protocols.
By continuing to use our services, you agree to this data retention policy. You may contact our Grievance Officer at any time to exercise your right to access, correct, or request deletion of your personal data.
How to Submit a Deletion Request:
1. Send an email to care@cash247.in
2. Use the email address that is valid or registered with the Creditsea app
3. Include the subject line: Creditsea Account Deletion Request
4. Include all necessary details in your email for verification
Requests must be emailed to: care@cash247.in
Cash247 may share information with individuals and body corporate in the course of normal business operations, and the customer has subscribed for, and any activity related to these services such as a collection of the fee. We share your information only with regulated partners and third parties under strict confidentiality agreements.
It may become necessary for Cash247 to disclose the customer personal information to its Lending partner or agents in the course of normal business operations for the above-referred purpose. Your personal data is shared only with: Regulated lending partners (Banks/NBFCs), Credit Information Companies (e.g., CIBIL, Experian), Third-party service providers (e.g., e-KYC, e-sign, payment gateways, alternate data providers), and Government/regulatory bodies as mandated by law (e.g., RBI, tax authorities, law enforcement).
However, these parties would be required to use the information obtained from Cash247 for such purposes exclusively and protect the personal information, including but not restricted to, Sensitive Personal and Financial Information under a strict code of confidentiality.
We will not voluntarily disclose your personal information to any non-connected third party but in certain circumstances, we may do so if we are required by court order, by Government Authorities, by law enforcement authorities, by statutory authorities or by other legal processes or where it becomes necessary to do so to protect the rights or property of the site and/or its group companies/affiliates, etc. We may also disclose your information to a third party as part of a merger, cooperation towards delivering services or transfer, or any restructuring.
We will only use your personal information data for the purposes for which we collect it unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.
The list of third parties collecting Information through the App is available on (https://www.cash247.in/third-parties), which will be updated from time to time, for your reference.
cash247 implements industry-standard administrative, technical, and physical safeguards to protect Personal Information and Sensitive Personal Information from unauthorized access, disclosure, alteration, or destruction.
All data transmitted between user devices and cash247 servers is protected using Transport Layer Security (TLS) version 1.2 or higher.
Sensitive data including financial information, identity data, and contact information (when selected by the user) is securely processed and protected against unauthorized access.
Access to user data is restricted through internal role-based access controls and is limited to authorized personnel for legitimate business purposes such as loan processing or regulatory compliance.
Contact information accessed through Google OAuth is used only upon explicit user action to allow selection of a known reference while completing a loan application.
cash247:
Sensitive Personal Information is retained only for as long as necessary to fulfill regulatory and operational requirements and is securely deleted thereafter in accordance with applicable laws.
We do not knowingly collect information from minors. If such data is discovered, we will delete it promptly.
This Privacy Policy may be updated periodically. Continued use of cash247 services signifies acceptance of any updates.
By using our services or providing your information, you consent to all data practices described in this Privacy Policy.
Registered Office: Office No. 511, 5th Floor, Tower B, Alphathum, Sector 90, Nepz Post Office, Gautam Buddha Nagar, Noida - 201305, India (IN)
For questions or concerns, email: care@cash247.in
Grievance Officer: Mr. Aditya Nair — +91 9217812623
By using our website and providing your information, you confirm that you have read, understood, and agreed to this Privacy Policy.