This Privacy Policy is published in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable laws of India.
By accessing and using the website Car N Cash (“Website”), available at https://carncash.in/, operated and managed by Urban Autohub Private Limited (CIN: U50403DL2013PTC260087), you agree to the terms of this Privacy Policy.
By submitting your details on our website, you authorize Car N Cash, Urban Autohub Private Limited, its representatives, lending partners, and associated service providers to contact you via phone calls, SMS, WhatsApp, email, or other communication channels regarding loan products, service updates, offers, and promotional campaigns, even if your number is registered under DND (Do Not Disturb), DNC (Do Not Call), or NCPR services.
About Us
Car N Cash is a financial services platform operated by Urban Autohub Private Limited. We work as a Direct Selling Agent (DSA) for various financial institutions and lending partners, including HDFC Bank and other approved lenders.
We assist customers in applying for financial products such as:
- Loan Against Car
- New Car Loan
- Used Car Loan
- Vehicle Refinance Solutions
- Top-Up Loan Facilities
Important Disclaimer
Car N Cash does not lend money directly and does not guarantee loan approval or disbursement.
All loan approvals, eligibility checks, interest rates, and disbursement decisions are solely determined by the respective lending partner as per their internal policies and applicable regulations.
Information We Collect
To provide our services effectively, we may collect the following information:
Personal Information
- Full Name
- Mobile Number
- Email Address
- Residential Address
- City and State
- Date of Birth
- PAN Number
- Aadhaar Information (where required)
- Employment Details
- Business Details
Vehicle Information
- Vehicle Registration Number
- Vehicle Make and Model
- Manufacturing Year
- Existing Loan Details
- Vehicle Ownership Information
- Kilometers Driven
Technical Information
- IP Address
- Browser Information
- Device Information
- Website Activity Data
- Cookies and Similar Technologies
How We Use Your Information
The information collected from you may be used for:
- Processing loan inquiries and applications.
- Evaluating eligibility for financial products.
- Generating customized loan offers.
- Verifying identity and submitted documents.
- Conducting KYC verification processes.
- Communicating updates regarding your application.
- Providing customer support services.
- Preventing fraud and unauthorized activities.
- Improving website functionality and user experience.
- Marketing and promotional communication.
- Complying with legal and regulatory obligations.
Loan Processing Workflow
When a customer submits a loan inquiry through Car N Cash:
- The customer selects the desired loan product.
- Required information and documents are submitted.
- Our team reviews the details.
- The application is shared with the relevant lending partner.
- The lending partner conducts verification and eligibility assessment.
- Loan approval, rejection, and disbursement decisions are made solely by the lending partner.
Documents and Information Submitted
Depending on the product applied for, we may collect:
- PAN Card
- Aadhaar Card
- Driving License
- Vehicle RC
- Bank Statements
- Salary Slips
- Income Tax Returns
- Passport Size Photograph
- Business Proof Documents
- Address Proof Documents
- Any additional documents requested by lending partners
The customer remains solely responsible for ensuring the accuracy and authenticity of the information submitted.
Consent to Communication
By submitting your information through our website, forms, advertisements, WhatsApp, social media channels, or any other communication platform, you expressly consent to receive:
- Phone Calls
- SMS
- WhatsApp Messages
- Email Communications
- Service Notifications
- Promotional Offers
- Application Updates
This consent remains valid unless expressly withdrawn by the customer.
Cookies Policy
Our website may use cookies and similar technologies to:
- Improve user experience.
- Analyze website traffic.
- Personalize content.
- Measure advertising performance.
- Maintain website security.
Users may disable cookies through browser settings; however, certain website features may not function properly as a result.
Information Sharing and Disclosure
We may share your information with:
- Lending Partners
- Banks
- NBFCs
- Verification Agencies
- KYC Service Providers
- Technology Service Providers
- Legal and Regulatory Authorities
We do not sell or rent your personal information to third parties for independent marketing purposes.
Third-Party Advertising
We may use advertising platforms such as:
- Google Ads
- Meta (Facebook & Instagram)
- YouTube
- Other Advertising Networks
These platforms may use cookies and tracking technologies to provide personalized advertising and measure campaign performance.
Data Security
We implement appropriate technical, administrative, and organizational safeguards to protect your information against:
- Unauthorized Access
- Data Theft
- Alteration
- Misuse
- Disclosure
While we strive to maintain the highest security standards, no online transmission or storage method can be guaranteed to be completely secure.
Data Retention
We retain personal information only for as long as necessary to:
- Provide services.
- Fulfill legal requirements.
- Resolve disputes.
- Enforce agreements.
- Meet compliance obligations.
Links to Third-Party Websites
Our website may contain links to external websites operated by third parties.
Car N Cash is not responsible for the privacy practices, content, or security of such websites. Users are encouraged to review the privacy policies of those websites separately.
Changes to This Privacy Policy
Urban Autohub Private Limited reserves the right to modify, amend, or update this Privacy Policy at any time without prior notice.
Any changes will become effective immediately upon posting on this page.
Users are encouraged to review this Privacy Policy periodically.
Governing Law and Jurisdiction
This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.
Any disputes arising from or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts located in Delhi, India.