Trust & Security — How Cashard Protects You

What Cashard Does

✅ Helps you compare redemption options across programs
✅ Provides point value calculators and program guides
✅ Facilitates eligible value recovery with escrow protection
✅ Offers expert award booking concierge (fee-based)
✅ Processes secure payouts via UPI, NEFT, and bank transfer
✅ Verifies all participants through KYC
✅ Protects your data with SSL encryption and secure storage

What Cashard Does NOT Do

❌ Access your banking credentials, PINs, CVVs, or OTPs
❌ Guarantee monetization of all reward programs
❌ Buy or sell airline miles directly
❌ Encourage violations of loyalty program terms
❌ Store your credit card details
❌ Make blanket claims about all programs
❌ Access your frequent flyer or banking accounts

Escrow-Protected Transactions

For all eligible value recovery transactions, Cashard uses an escrow-based protection model. Funds are held securely and are only released when both parties confirm the transaction is complete. This means:

Seller's points are verified before any payment is initiated
Buyer's funds are held in escrow during the verification period
Neither party can be defrauded — both must confirm completion
Disputes are handled by the Cashard support team

KYC Verification

All participants on Cashard undergo identity verification (Know Your Customer) to ensure the safety of every transaction. This protects you from fraud and ensures compliance.

What We Need

Government-issued photo ID (Aadhaar, PAN, Passport, or Voter ID) for identity verification.

How It's Protected

Your KYC documents are encrypted in transit and at rest. We use them solely for verification and never share them with third parties.

Secure Payouts

Payouts are processed through RBI-regulated banking channels. We support:

🔄

UPI

Instant transfers

🏦

NEFT / RTGS

Bank transfers

⚡

IMPS

Immediate payment

Typical payout time: within 24 hours of transaction confirmation. Payments are made directly to your verified bank account or UPI ID.

Data Security

SSL/TLS encryption on all connections
Encrypted storage for all sensitive data at rest
Financial data, KYC documents, and personal information are never stored in plain text
Access controls limit data visibility to authorized personnel only
We do not sell or share your personal data with third parties for marketing
Full compliance with applicable Indian data protection regulations

Compliance Awareness

Cashard operates with awareness of the regulatory and contractual landscape around reward points and loyalty programs:

Individual program terms and conditions always apply
We segment programs by risk level and adjust our services accordingly
For airline miles: we offer award booking concierge only — we do not buy, sell, or broker miles
For credit card points: we facilitate eligible value recovery for qualifying programs through compliant processes
For gift cards: we operate a value recovery marketplace for unused vouchers
We clearly disclose service limitations and risk factors

Have questions about our trust and security practices?