CashNow Privacy Policy


About us

At CashNow (" CashNow "" we ", " us " or " our "), we are committed to providing you with the best service possible.   Paramount to this is protecting and respecting your privacy and personal data which we are, and always will be, committed to doing.

The registered name of CashNow is Quantix Technology Projects LLC, and the company details are as follows: CN- 3762786.  

Why you should read this privacy policy

You should read this policy carefully because it sets out the basis on which any personal data we collect from you, or that you provide to us, through the CashNow application , and any products or services (the “ Services ”) which may be offered or made available to you via the CashNow application from time to time (the “ App ”) , your creation and use of your CashNow Account (your “ Account ”) and your use of our credit services (together with the App, and your Account, the “ Services ” as further defined in this privacy policy and our Terms of Use) will be processed by us. This policy also sets out the basis upon which we collect personal data from you when you visit our   website   (the “ Website ”).

Please note that where the CashNow Services are availed in conjunction with the PayBy application (the PayBy App) and PayBy Services, you will also need to be mindful of the PayBy terms of use and privacy policy which can be found here .

We strongly encourage you to read the following information to fully understand our views and practices regarding your personal data and how we will treat it.

For information regarding the Services, please see our CashNow Terms of Use which can be found [here].

Contact us

If you wish to contact us with any questions in relation to this policy or our privacy practices, you may contact us by emailing   or by contacting us via the App.


At all times, we keep our privacy practices and the terms of this policy under review to ensure your personal data is processed as securely as possible. This policy was last updated on the date given above. Any changes to this policy will be posted online, within the App and, where reasonably practicable , emailed to you.


To provide you with the Services, we must collect, store, transfer, analyse and otherwise process certain of your personal data.   This section of the policy explains what information we will collect about you and under what circumstances.

The personal data we process includes:

To create an Account, you must provide your display name and mobile number.   We will not be able to create your Account without this personal data. Please note that upon completion of this initial set-up, you will not have full access to the Services.

Following the initial set-up of your Account, you will only be able to access very limited Services. For us to open your Account fully so you can use all the Services, we must be able to verify your identity as a legal requirement. To do this, we require you provide us with your Emirates ID and any other document we may request from time to time . From such documents, we will collect your name, date of birth, Emirates ID number and expiration date , and any other personal data we consider necessary and/ or that which is required by applicable law to verify your identity. Please note that should any of this information about you change, you must inform us immediately. Depending on the circumstances, we may be required to verify your identity again as a result of such change(s) .

We will also request that you provide a “real time” video recording of yourself, including audio, which you will be prompted to provide in the App. Please note that to record the “real time” video, we will require access to the camera and microphone on your device. If we cannot access such functions, we cannot verify your identity and therefore cannot provide you with an Account , nor will you be able to receive the Services .

When preparing your Account, we will also ask if you would like to add a nickname along with other information to build your profile.

None of this personal data is required to create your Account but if provided, it will be used to create a more accurate picture of you as a customer of ours and will enhance your user experience whilst accessing the Services.

When you use our Services to obtain credit , or for any other transactional purpose related to the Services, we collect information about the transaction, as well as other information associated with the transaction such as the amount requested and your credit history . Specifically if you use our Services to add or remove value to or from your bank account , we will collect personal data from you to facilitate the request. For example, if you use our Services to add value to your bank a ccount , we may collect personal data and other information including your bank account information and the amount added.

For the Services available within the App, we will collect information about your employment, salary and bank account details (for example, in order to decide whether to provide credit to you and to which account we should make payment). We will also use information such as your name, telephone number, emergency contact details (i.e. their name, relationship to you and telephone number), Bank account details and your previous history of repaying credit provided to you by us, to decide whether to provide future credit to you through the App. We may also provide this information to third parties such as debt collection agencies if you fail to repay the relevant credit and/or otherwise fail to comply with the terms and conditions applicable to that Service.

Based on your consent and marketing preferences, we may send you marketing communications such as emails. From this, we may collect further preferences from you based on how you interact and respond to our marketing communications. You have the right at any time to withdraw your consent at any time.

Should you wish to ask us a query, report an issue (for example with the App), or make a complaint about our Services, such personal data will also be automatically added to your Account.

We use a third party to assist with verification checks which are explained in more detail above. In addition to the above, we wanted to note that once the verification process has produced a result, this result will be provided to us and can be considered your personal data. Please note that the methods for verification checks operated by us and our partner involve automated decision making. Automated decision making is a process whereby your personal data is processed to make an evaluation with respect to you – in this case, your identity. Should the automated decision making process determine you have not properly validated your identity, you will not be granted an Account.

We collect information about your use of the Services and/or Website, including how you use our Services and/or Website and how often you use our Services and/or Website. We do this to better understand how to provide the Services and our Website, what our users like about our Services and Website and what our users don’t like about the Services and Website. Such information may include, if applicable, your internet protocol (IP) address used to connect your device to the internet, your login information, browser plug-in types and versions, operating system and platform.

We collect information about the device you use to access the Services and/or Website including the hardware model, the version of the App you are using, the mobile networ k, and the time zone setting.


In this section, we explain how we use your personal data and the reasons for such use, and we also explain the lawful grounds under certain data protection legislation that we rely on to do so.   Please note we only ever process your personal data when it is lawful for us to do so.

3.1 To provide the Services and the Website

We process your personal data:

We process your information for the purposes set out above on the following lawful grounds:

3.2 To perform obligations arising from the contract we have in place with you

We process your personal data:

We process your information for the purposes set out above on the following lawful ground:

3.3 To secure your Account and your money, and us and our Services

We process your personal data:

We process your information for the purposes set out above on the following lawful grounds:

3.4 To communicate with you

We will process your personal data:


We process your information for the purposes set out above on the following lawful grounds:

3.5 To market to you

We will process your personal data:

We process your information for the purposes set out above on the following lawful grounds:

3.6 To customise , improve and enhance our Services and/or Website

We will process your personal data:

We process your information for the purposes set out above on the following lawful ground:


We may share your personal data in the following scenarios only:

In accordance with the laws of the UAE, we will store your transaction and other Account data within the UAE.   Notwithstanding this, if we are required and permitted by law to transfer any of your personal data to a country outside that in which we collected it pursuant to the above listed circumstances, we will do so in accordance with the applicable data privacy legislation.   The lawful requirements will depend on the flow of personal data, meaning it will depend on whether the sharing of personal data is cross-border and which countries are involved.   At all times, we will ensure a similar degree of protection is afforded to your personal data outside the country in which you are based.


We take your privacy very seriously and work hard to protect your data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We have put in place appropriate security measures to prevent this from happening, for example we use encryption tools to protect the content of your messages and calls.

In addition, we limit access to your personal data to those employees, volunteers, agents, contractors and other third parties (as listed above) who have a need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted through our Services; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent your data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.


We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

With this in mind, we have determined that:


We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation or other regulatory enforcement or action in respect of our relationship with you and/or your use of the Services.


In certain circumstances and subject to certain jurisdictional restrictions, you may have the right to:


If applicable to you, t o exercise one of the above rights, please contact us using the details provided above.

We may need to request specific information from you to help us confirm your identity and ensure you are able to exercise the right you wish to exercise. This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.


Our Services and Website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites, plug-ins and/or applications and are not responsible for their privacy statements. When you leave our App or Website, we encourage you to read the privacy policy of every website or application you visit or use.