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PRIVACY POLICY

We are committed to keeping your data secure, your private information private, and being transparent about our practices.

Baker Street Fintech Pvt Ltd operates a website https://cambridgewealth.in and mobile applications under the brand name Cambridge Wealth. Cambridge Wealth enables you to track, save and earn extra by automatically bringing your entire financial life across investments, loans, credit cards & taxes,insurance all in one app.

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Cambridge Wealth is committed to operating its website and mobile applications with the highest ethical standards and appropriate internal controls. We take your privacy extremely seriously. Your privacy is important to us and maintaining your trust is paramount. This Privacy Policy explains how Cambridge Wealth collects, uses & protects your information when you access the Cambridge Wealth website(s) & mobile apps (collectively referred to as “Services” or “Application”). We encourage you to read this Privacy Policy. By using Cambridge Wealth Services you agree to the terms of the Privacy Policy. If you are not comfortable with any of the terms or policies described in this Privacy Policy, you may choose to discontinue usage of Cambridge Wealth Services. You can also email us at support@cambridgewealth.in  to update or delete your personal information that Cambridge Wealth has collected.

Cambridge Wealth does not knowingly collect or solicit personal information from anyone under the age of 18 unless voluntarily shared by a Guardian/Person over 18 years of age acting on behalf of the minor, treated as information associated with a Major. If you are under 18, please do not attempt to register for the Services or send any personal information about yourself to Cambridge Wealth. If Cambridge Wealth  learns that we have collected personal information from a person under age 18, we will delete that information as quickly as possible. If you believe that a person under 18 may have provided us with personal information, please contact us at support@cambridgewealth.in 

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What Information does Cambridge Wealth collect?

We receive and store only that information you knowingly provide to us or with your explicit consent. You can always delete this information by writing to us at support@cambridgewealth.in 

  

Below is the list of the information we collect.

New Account: When you create a new account to use the Services we request for the following information :

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  • Mobile number, First name, last name, PAN number(Tax Number), gmail/email, date of birth

  • Income slab, profession, address details, father’s name, mother’s name, tax residency, birth country, nationality, nominee details, gender, marital status

  • Bank account number, your name on the bank passbook and IFSC code of the bank.

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Permanent Account Number (PAN No) & Bank account details that you will use for the purpose of investments and transactions.

 KYC details: To comply with regulatory requirements, based on your explicit consent we fetch your KYC (Know Your Customer) details from regulated Central KYC Registry.

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Credit score & Liabilities information : You provide explicit consent to Cambridge Wealth  to collect this information from third party service providers that are expressly authorised by you to distribute such information (for example, Experian or CRIF High Mark which is a credit information company registered under the Credit Information Companies (Regulation) Act, 2005)

 

Investments information: We provide the following options for you to update your investment information in a secure manner :

(i) Upload your investment statements in PDF or Excel versions.

These are investment statements that you get from depositories or brokers or Registrar & Transfer Agents such as Computer Age Management Services, Karvy Fintech Private Limited, National Securities Depositories Limited, Central Depositories Services Limited, Account Aggregators, etc.

 (ii) Enter the information manually

You provide investment details like scheme name, investment type, investment date and investment value, etc by manually entering the data/uploading the document on the app.

 (iii) Connect your Gmail account

You can choose to provide explicit consent to connect your Gmail account with Cambridge Wealth  account (using Google’s OAuth authentication method), so that the application / website can “read only” the attachment from a small whitelisted set of senders specifically comprising :

If the sender email ids are changed then we will notify you and also update this Privacy Policy.

 

The attachments from these senders have the details of your investments such as Folio numbers, Transaction Dates, Dividends, Subscription and Redemption Amounts, etc. Cambridge Wealth  organises this information in your account to provide deep analytics. The benefit of opting to connect your Gmail account is that your investment information gets updated automatically every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments.

 

You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to support@cambridgewealth.in . Alternatively, you can also de-link your email by visiting Google Mail’s permission settings located at myaccount.google.com/permissions

Please note we will never rent or sell your information or data to anyone. We never use or transfer the data collected on our application for serving ads, including retargeting, personalized, or interest-based advertising. This act of connecting your Gmail accounts with Cambridge Wealth accounts comes under the “Sensitive scopes” under Google API services user data policy. Please also refer to Privacy Policy with respect to the restricted scope as mentioned in the sections below.

 

(iv)Employees Provident Fund Passbook (“EPF passbook”) details:

You can choose to provide explicit consent to Cambridge Wealth  to collect this information from https://passbook.epfindia.gov.in/MemberPassBook/Login, by providing your 12-digit Universal Account Number, assigned to you as a member of EPFO, and the related password. Your EPFO password will be stored by Cambridge Wealth  at a local device in an encrypted format and will be stored on our server in an encrypted format. We use AWS Key Management Service Feature for storing your EPFO password. This will enable Cambridge Wealth  to consolidate and present your comprehensive EPF passbook data. This will also help you to get an accurate picture of your overall investment details on your Cambridge Wealth  dashboard.

 

Your Expenses and Saving Account analytics via SMS (Short message service) on your Android phone (Applicable for only Android phones) :

You can choose to provide specific & explicit consent to allow Cambridge Wealth’s Android App to access the text messages (SMS) received on your Android mobile device. After obtaining such explicit consent from you, Cambridge Wealth's Android.

App may automatically read your SMS text messages pertaining to your expenses and/or saving account balance data information arising out of transactions made from cards, banks, wallets through text messages (SMS) received by you from providers of services and/or banks (including but not limited to retail outlets, financial institutions, and utility companies) on your Android mobile device. This will enable us to organise your expenses and saving account balances across your transactions and banks in one view and also provide analytics on the same to you. This will also help you to get an accurate picture of your overall wealth and networth on your Cambridge Wealth  dashboard.

No personal SMSes or OTPs are accessed by Cambridge Wealth .

You can choose to opt-out of the expense and saving account balance analytics services at any time by writing to support@cambridgewealth.in 

Alternatively, you can also opt-out of the expense and saving account balance analytics by visiting Cambridge Wealth ’s Android App permission settings.

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Why does Cambridge Wealth ask for this information?

Cambridge Wealth is a Wealth management platform that provides online financial advisory services to you. We receive information you knowingly provide to Cambridge Wealth with your explicit consent. This information enables you to organize and aggregate your financial information in one place on Cambridge Wealth  Services. This also enables Cambridge Wealth to provide you analytics on your investments, liabilities & expenses all in one place. The information also enables Cambridge Wealth’s Application to help you assess your risk profile from time to time and create your investment plans and make decisions on investments & execute the purchase and sale of investment products and also enable you to manage your taxation.

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Cookies & Third Party Analytics Services

We use Local Storage Objects (LSOs) to store content information, preferences and to keep you signed-in. We identify the user’s signed-in state with a token and a userid. The LSO token is expired when the user logs out of our website or mobile application.

 We do not collect any information about your online activity when you sign-out and/or leave our services.

 We use third party analytics services in order to better understand user engagement with the Services. When a user browses or uses the Services, these third party analytics services may collect the user’s IP address, browser type, and approximate location (based on the IP address). They may also use web logs or web beacons and may set and access cookies on your computer or other device. In order to provide a superior user experience, we provide the third party analytics service providers with a user’s demographic information at Cambridge Wealth  along with user’s movements on the Cambridge Wealth  website and mobile applications.

These third party analytics services may deploy cookies on your browser. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services that you do not wish such operators to track certain of your online activities over time and across different websites. Do Not Track signals are set on a browser-by-browser basis, so you must set them on every browser you use if you do not wish to be tracked.

 We do not share and will never share any confidential data such as user’s investment details, contents of user’s gmail, bank details, transaction details, income or any other sensitive details with these third party analytics service providers.

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Does Cambridge Wealth  Share Personal Information?

We neither rent nor sell your Personal Information to anyone.  However, we may share your Personal Information with third parties as described in this section:

  1. We only transfer the data to others if necessary to provide or improve user-facing features that are prominent in the requesting application's user interface. We may also transfer data as necessary to comply with applicable law or as part of a merger, acquisition, or sale of assets with notice to users. All other transfers or sales of the user data are prohibited

  2. We don't use or transfer the data for serving ads, including retargeting, personalized, or interest-based advertising; and

  3. We don't allow humans to read the data, unless :

    • (a) We first obtain your affirmative agreement for specific purposes;

    • (b) It is necessary for security purposes (such as investigating a bug or abuse);

    • (c) It is necessary to comply with applicable law; or

    • (d) Our use is limited to internal operations and the data (including derivations) have been aggregated and anonymized.

These prohibitions of user of data apply to all the information/ data obtained from you with your explicit consent. Our employees, agents, contractors, and successors comply with this Policy.

Your personal information with respect to connecting your Gmail account with Cambridge Wealth  Application:  Compliance w.r.t. Google OAuth API Scopes (Restricted scopes)

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We will never rent or sell your information or data to anyone. Cambridge Wealth  ensures that it is always in compliance with the restricted scope defined under Google OAuth API policies.

  1. Cambridge Wealth  limits the use of data to providing or improving your user experience. Connecting your Gmail account with Cambridge Wealth  is completely optional and based on your explicit consent for only specific use cases as has been described in this Privacy Policy. The benefit of this option is that you do not need to keep updating your investment information every month. Given the updated information, the application can hence give you deep and accurate analytics on your investments. You can choose to de-link your Gmail account with the application at any time and/ or you can delete your information by writing to support@cambridgewealth.in
    Alternatively, you can remove access to Cambridge Wealth  from Google Mail’s permission settings located at: myaccount.google.com/permissions.

  2. We only transfer the data to others if necessary to provide or improve user-facing features that are prominent in the requesting application's user interface. We may also transfer data as necessary to comply with applicable law or as part of a merger, acquisition, or sale of assets with notice to users. All other transfers or sales of the user data are prohibited

  3. We don't use or transfer the data for serving ads, including retargeting, personalized, or interest-based advertising and we do not allow and we prohibit access to any of the third party analytics providers.

  4. We don't allow humans to read the data, unless :

    • (a) We first obtain your affirmative agreement for specific messages;

    • (b) It is necessary for security purposes (such as investigating a bug or abuse);

    • (c) It is necessary to comply with applicable law; or

    • (d) Our use is limited to internal operations and the data (including derivations) have been aggregated and anonymized.

These prohibitions of the user of data apply to the raw data obtained from Restricted Scopes and data aggregated, anonymized, or derived from them. Our employees, agents, contractors, and successors comply with the “Google API Services: User Data Policy”.

We will also be undergoing an annual security assessment from a Google-designated third party and keep the same updated from time to time or as per instructions from Google and will publish the “letter of assessment” on Cambridge Wealth  website and mobile applications.  

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Your SMS information with respect to giving explicit permission to Cambridge Wealth  application with respect to your SMSes related to expenses & saving account balances (Personal & Sensitive information):

We will never rent or sell your information or data to anyone. Cambridge Wealth  ensures that it is always in compliance with the Google Play store policies and Google policies.

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  1. Cambridge Wealth  limits use of data to providing or improving your user experience. Giving consent to access your SMS text messages (on your Android phone) to Cambridge Wealth Android App is completely optional and based on your explicit consent for only specific use cases of organising your expenses and saving account balances and as described in this Privacy Policy. The benefit of giving explicit consent for this option is that Cambridge Wealth Android application is enabled to organise all your fragmented expenses across your transactions and saving accounts across your banks on the Cambridge Wealth  App dashboard. Cambridge Wealth Android application is also enabled to give you analytics across your expenses and saving account balances. This also helps you to get an accurate picture of your overall Net-worth and overall financial picture in combination with your investments & liabilities. You can anytime choose to opt-out of this permission by visiting the Cambridge Wealth App's permission settings or you opt out by writing to support@cambridgewealth.in; You can also ask to delete your information by writing to support@cambridgewealth.in 

  2. We do not use or transfer the data for serving ads, including retargeting, personalized, or interest-based advertising and we do not allow and we prohibit access to any of the third party analytics providers.

  3. We don't allow humans to read the data, unless :

    • (a) We first obtain your affirmative agreement for specific messages;

    • (b) It is necessary for security purposes (such as investigating a bug or abuse);

    • (c) It is necessary to comply with applicable law; or

    • (d) Our use is limited to internal operations and the data (including derivations) have been aggregated and anonymized.

 

These prohibitions of use of data apply to the raw data obtained from your SMS and data aggregated, anonymized, or derived from them. Our employees, agents, contractors, and successors comply with these policies.

 

Changes to Privacy Policy

Cambridge Wealth reserves the right to change this policy from time to time. Any changes shall be effective immediately upon the posting of the revised Privacy Policy. While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically. If you are not comfortable with any of the changes to Privacy Policy you may choose to discontinue usage of Cambridge Wealth website or mobile applications. You can also email us at office@cambridgewealth.in  to update or delete your personal information that Cambridge Wealth has collected.  

 

Privacy Questions and Access

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached at office@cambridgewealth.in .

In certain cases, you may have the ability to view or edit your personal information online. In the event your information is not accessible online and you wish to change or delete your personal information or other information that you may have provided, please contact us immediately at support@cambridgewealth.in 

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Security and Responsible Disclosure

We at Cambridge Wealth are committed to our client's data and privacy. We blend security at multiple steps within our products with state of the art technology to ensure our systems maintain strong security measures. The overall data and privacy security design allows us to defend our systems ranging from low hanging issues up to sophisticated attacks. You can read more about it here.

If you are a security enthusiast or a researcher and you have found a possible security vulnerability on Cambridge Wealth, we encourage you to report the issue to us responsibly.

You could submit a bug report to us at support@cambridgewealth.in with detailed steps required to reproduce the vulnerability.

We shall put in our best effort to investigate and fix the legitimate issues in a reasonable time frame, meanwhile, requesting you not to publicly disclose it. Additionally, if you have suggestions on how we could improve our security systems to make it more robust and safe for all users, you can share those with us at support@cambridgewealth.in 

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