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Privacy Policy

Last updated at 01.10.2018.

This Privacy Policy ("Privacy Policy") explains how information is collected, used and disclosed by Cashray, a platform owned and operated by Cashray Technologies Lanka (Private) Limited, and applies to information collected when you use or access our online or mobile websites (such as www.cashray.lk), products, services or applications (collectively, “the Services"). We respect the privacy rights of users and recognize the importance of protecting information collected about you.

Please read the following carefully to understand how we will collect, use and maintain your personal information. It also describes your choices regarding use, access and correction of your personal information.

Changes to This Policy

We may change this Privacy Policy from time to time. If we make any changes, we may notify you by revising the "Last Updated" date at the top of this Privacy Policy and, in some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you an email notification).You understand that the notice is not an obligation of us. If there are material changes to this Privacy Policy, we may notify you more directly by email or means of a notice on the home page prior to the change becoming effective. We encourage you to review our Privacy Policy whenever you access the Cashray Services to stay informed about our information practices and the ways you can help protect your privacy.

If you disagree with any changes to this Privacy Policy and do not wish your information to be subject to the revised Privacy Policy, you will need to deactivate with us and stop using the Cashray Services. Your use of any of the Cashray Services after the posting of such changes shall constitute your consent to such changes.

Information Collected

We may collect certain user information (including personal information and/or sensitive personal information) in the following ways:

Information You Provide To Us. We collect information you provide directly to us including when you visit one of our websites, register for and/or use one of the Cashray Services.

Information We Collect Automatically When You Use the Cashray Services. When you access or use the Cashray Services, we may automatically collect information about you, including:

Opting Out of Cookies and Advertising

You may opt out of behaviorally targeted ads anytime by deleting your browser's cookies. In addition, you may opt-out of interest-based advertising from some third-party partners by visiting  http://preferences-mgr.truste.com/http://www.youronlinechoices.eu, or the third-party provider’s websites.

Please note that opting-out will only prevent targeted ads so you may continue to see generic non-targeted ads after you opt-out.

Do Not Track. Some browsers offer a “do not track” (“DNT”) option. Because no common industry or legal standard for DNT has been adopted by industry groups, technology companies or regulators, we do not respond to DNT signals. We will make efforts to continue to monitor developments around DNT browser technology and the implementation of a standard.

Information We Collect From Other Sources. We may also obtain information from third parties and combine that with information we collect through the Cashray Services. For example, we may have access to certain information from a third-party social media service if you create or log into your online account through the service or otherwise provide us with access to information from the service. Any access that we may have to such information from a third-party social media service is in accordance with the privacy policy and authorization procedures determined by the social media service. We protect data obtained from third parties according to the practices described in this policy, plus any additional restrictions imposed by the source of the data.

Use of Information

We may use the information collected for the purpose of providing the Cashray Service and related functionality and services, as described in this Privacy Policy and as permitted by applicable laws. These purposes include circumstances where it is necessary to provide or fulfill Services requested by or for you or where you have given us your express consent.

The information may be used to perform a variety of purposes, including but not limited to:

Processing

By accessing or using the Cashray Services or otherwise providing information to us, you consent to the processing and transfer of information in and to Sri Lanka and other countries and territories, which may have different privacy laws from your country of residence.

Sharing and Disclosure of Information.

We may share personal information of you with a third party especially for the purpose of described in this Privacy Policy or in connection with the Cashray Services. For example, we may share personal information about you including but not limited to as follows:

Security

While no service is completely secure, Cashray takes reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. In addition, sensitive information such as credit card number and password that we request from you on the Cashray Services is protected with encryption, such as Secured Socket Layer (SSL) protocol, during transmission over the Internet.

The servers on which personal information is stored are kept in a controlled environment with limited access. While we take reasonable efforts to guard personal information we knowingly collect directly from you, no security system is impenetrable.

You may access your account information and our service only through the use of an individual user ID and SMS Code. To protect the confidentiality of personal information, you must keep your user ID and SMS Code confidential and not disclose it to any other person. Please advise us immediately if you believe your account has been misused. In addition, always logout and close your browser when you finish your session.

If you have any questions about the security of your personal information, you can contact us at privacy@cashray.com.

Account Information & Retention

Cashray reserves the right to retain your personal information for a period of 5 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, Cashray 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 Cashray to facilitate activities and transactions for the operation of the Website, improve User experiences on the Website. Cashray reserves the right to retain information that does not directly identify you, for example, aggregated or anonymized data.