Privacy Policy

Last update on 16 February 2019


This Privacy Policy describes how Cashwagon collects and uses the personal information you provide to Cashwagon through our Website (www.cashwagon.lk) or by other means. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. By accessing or using the Website, you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy.

1. No sale of personal information

Cashwagon will not rent or sell your personal information to third parties.

2. Information you provide when applying for loans

When you apply for a micro loan through the Website, we collect basic information about you through the registration process to uniquely identify you, perform credit verification and to confirm with statutory requirements.

Except as noted in Section 5 below, Cashwagon will not disclose your personally identifiable Loan Transaction information to any third party without your consent.

3. Authorisation for Usage of Third Party Data

Notwithstanding anything to the contrary in this Privacy Policy or the Terms of Use, you acknowledge, consent and agree that:

  • Where you use this Website or services for and on behalf on any other person, whether being a member of your family, your friend or employee, you have their full and informed consent and authorisation for such use; and
  • Where you provide any information of on any other person, such as your family, friends or employees, you have their full and informed consent and you are authorised by such person to provide such personal information when using the Website or services.

We assume with your permission that you have obtained proper authorization from the owner/s of such personal information and have informed the said person/s of the terms and conditions of this Privacy Policy or the Terms of Use. You hereby represent and warrant that such person, whether being a member of your family, your friend or employee, has also read and understands this Privacy Policy or the Terms of Use.

You further acknowledge, confirm, represent, and warrant that such person (1) on whose behalf you are using this Website or services or (2) whose personal information you have provided to us have agreed to the use, processing, storage and/or disclosure of their personal information in accordance with this Privacy Policy or the Terms of Use, and all applicable laws.

You acknowledge, consent and agree that Cashwagon, its employees, or agents shall not be held liable for the collection, use, storage, processing, and disclosure of all such personal information provided by you under this paragraph.

4. Information from cookies and web beacons

Cookies are small text files created by a website that store information on your computer, such as your preferences when visiting that website. Similar to many websites, if you have enabled cookies in your browser, Cashwagon, independently and through enabled third party tools and programs, collects certain technical information using cookies, such as the path of users to the Website, pages visited, originating IP address, browser type, browser language and the date and time of the user's visit. This information helps Cashwagon track trends and improve areas of the Website and Program, and are common analytics used by most websites. If you have disabled cookies, the Website may not work as it is intended because Cashwagon uses cookies when you sign in to keep track of your personal session.

Web beacons are tiny graphics with a unique identifier that are similar in function to cookies but, instead of being stored on your computer, are embedded invisibly on web pages and are about the size of the period at the end of this sentence. Web beacons are used to track the online movements of internet users. Cashwagon uses them to better understand User interaction and engagement with the Website (including without limitation, in electronic Communications), such as by learning whether certain users have accessed the Website via links from other websites. Cashwagon can use this information to tailor its audience for advertisements promoting Cashwagon. You may set your browser preferences to opt out of the collection and use of this tracking information for ad targeting purposes.

Cashwagon also uses cookies for remarketing, by placing a cookie in your browser to signal that you've visited the Website. This gives us the option to show you ads for Cashwagon when you visit other websites that host advertisements. Cashwagon supports the Do Not Track preference available on most internet browsers. The use of cookies by third parties on the Website is for the purpose of making the Website easier to use and to enable certain features of the Website and is not covered by this Privacy Policy. We do not have control over these cookies.

5. Electronic communications

From time to time you will receive disclosures, notices, documents and information based on your current loan status ("Communications") from Cashwagon (for example, confirmations of Loans obtained by you, confirmation of email address or password changes, or customer service inquiries regarding the status of or activity). By creating an account with Cashwagon on the Website, you agree that all Communications from Cashwagon 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.

By registering on the Website, you acknowledge that you can access the electronic Communications, and you consent to having all Communications provided or made available to you in electronic form and to obtain loan utilising the online service provided by Cashwagon. We may also provide you with Communications through physical mail.

6. Disclosure to affiliates, service providers, agents and representatives

We will disclose your personal information to third parties only in the ways that are described in this privacy statement. Cashwagon's affiliates and service providers, agents and representatives of Cashwagon and its affiliates may be provided access to your personally identifiable information as part of, or incident to, their provision of services to Cashwagon. All such access shall be under appropriate confidentiality agreements and limited to use to provide services to Cashwagon.

7. Legal disclosures

Notwithstanding anything to the contrary in this Privacy Policy or the Terms of Use, you acknowledge, consent and agree that Cashwagon may disclose information in order to: (a) comply with applicable law, regulation, legal process, or governmental request; (b) protect the rights, property and safety of Cashwagon, Users and others, including intellectual property rights; and (c) enforce or apply our agreements and policies.

8. Use of your information

In addition to the uses (including display and disclosure) of your information that we have described above in this Privacy Policy, Cashwagon uses your information that Cashwagon has collected as described above in this Privacy Policy in order to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website.

9. Links to other websites

If you follow any links which remove you from the Website (for example, the independently operated PayPal, Facebook, Twitter, Blogger, Wordpress, Salesforce and any other websites), this Privacy Policy no longer applies – i.e., the privacy policies and practices of other websites and other parties are governed by their respective terms of use and privacy policies.

10. Security

Cashwagon takes reasonable steps to maintain appropriate physical, technical such as encrypting transmission of information using SSL and administrative security to help prevent loss, misuse and unauthorized access, disclosure and modification of personal information. While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

11. Retention period

Cashwagon reserves the right to retain your personal information for a period of 3 years or more to satisfy legal requirements such as recordkeeping and tax and credit reporting requirements, as well as for purposes of fraud prevention, audit and data integrity. In addition, Cashwagon reserves the right to retain, as well as to use and disclose as permitted pursuant to this Privacy Policy, your personal information for such period of time as reasonably needed by Cashwagon to facilitate activities and transactions for the operation of the Website, improve User experiences on the Website. Cashwagon reserves the right to retain information that does not directly identify you, for example, aggregated or anonymized data.

12. Modifications; Interpretation

Cashwagon may update or modify this Privacy Policy from time to time. If any changes are made, Cashwagon will reflect the date on which any such changes are made and posted by updating the "last updated" date at the top of the page. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.