Privacy Policy

1. Information We Collect

We collect information you provide directly to us when you register for an account, use our services, or contact us for support. This includes:

• Personal Identification Information: Name, email address, phone number, and government-issued ID details required for KYC verification.
• Financial Information: Bank account details, loan application data, EMI schedules, and payment history necessary for processing device financing.
• Device Information: IMEI numbers, device model, and lock/unlock status for devices registered under a loan agreement.
• Usage Data: Log data, IP addresses, browser type, pages visited, and timestamps to help us improve our platform.
• Location Data: General location information to comply with regulatory requirements and prevent fraud.

2. How We Use Your Information

Suvidha EMI uses the information we collect to:

• Process and manage device financing applications and loan accounts.
• Issue, track, and manage Digital Security Keys for financed devices.
• Send EMI reminders, payment confirmations, and important account notifications via WhatsApp, SMS, or email.
• Verify your identity and comply with applicable KYC/AML regulations.
• Detect, investigate, and prevent fraudulent transactions or unauthorized access.
• Improve and personalize our platform, products, and services.
• Communicate with you about product updates, new features, and promotional offers (with your consent).
• Comply with legal obligations and respond to lawful requests from regulatory authorities.

3. Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our platform (payment gateways, cloud hosting, SMS providers) under strict confidentiality agreements.
• Financial Partners: With banks, NBFCs, and lending partners as required to process loan applications and maintain loan accounts.
• Legal Compliance: When required by law, court order, or governmental authority, or to protect the rights, property, or safety of Suvidha EMI, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Digital Security Keys & Device Control

Suvidha EMI operates a Digital Key management system that enables remote locking of financed devices. By using our platform, you acknowledge:

• Digital Security Keys are bound to specific devices registered under loan agreements.
• Remote locking may be triggered automatically in the event of EMI default after due notice to the borrower.
• Device unlock will be initiated immediately upon regularization of outstanding dues.
• We do not access any personal data stored on the device itself — the lock function is limited to device accessibility only.

5. Data Security

We take the security of your information seriously and implement industry-standard measures to protect it:

• All data is encrypted in transit using TLS 1.2+ and at rest using AES-256 encryption.
• Access to personal data is restricted to authorized personnel on a need-to-know basis.
• We perform regular security audits and vulnerability assessments.
• However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we retain data for a period of 7 years to comply with applicable financial regulations and legal obligations. You may request deletion of your data, subject to regulatory retention requirements.

7. Your Rights

Subject to applicable laws, you have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete information.
• Right to Deletion: Request deletion of your data, subject to legal retention requirements.
• Right to Portability: Request your data in a structured, machine-readable format.
• Right to Object: Object to the processing of your data for direct marketing purposes.

To exercise any of these rights, please contact us at info@cubosquare.com.

8. Cookies

Our platform uses cookies and similar tracking technologies to enhance your experience, analyze traffic, and remember your preferences. You can control cookie settings through your browser settings. Disabling cookies may affect the functionality of certain features of our platform.

9. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Suvidha EMI is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated effective date. Your continued use of our platform after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: info@cubosquare.com
• Phone: +91 8652083868 (Mumbai) | +91 7760031707 (Kanpur)
• Mumbai Office: 519, Fortune Square, BKC, Mumbai - 400051
• Kanpur Office: 88/903 Prem Nagar, Kanpur - 208001