This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.
Introduction
Dhani Finance. (hereinafter referred to as Dhani
Finance/ we/ our”) acknowledges the expectations of its customers (hereinafter referred
to as “customer/ you/ your”) regarding privacy, confidentiality and security of personal
information that resides with the Dhani Finance. Keeping personal information of
customers secure and preventing any misuse thereof, is therefore, a top priority of
Dhani Finance.
We state that Dhani Finance is strongly committed to protect the privacy of its customers
and has taken all necessary and reasonable measures in line with the best industry
practice to protect the confidentiality of your personal information and its
transmission through our website.
This Privacy Policy covers Dhani Finance treatment of personal information that Dhani
Finance collects when you are on the Dhani Finance site, and when you use Dhani Finance
services. This policy also covers Dhani Finance treatment of any personal information
that Dhani Finance business partners share with Dhani Finance. This policy does not
apply to the practices of companies that Dhani Finance does not own or control, or to
people that Dhani Finance does not employ or manage.
Dhani Finance collects personal information when you register for an Dhani Finance
account, when you use certain Dhani Finance products or services, when you visit Dhani
Finance pages, and when you enter promotions or sweepstakes. Dhani Finance may also
receive personally identifiable information from our business partners.
- Express Consent
- Personal Information Personal Information (“PI”) means any
information/ documents/ details that relates to a natural person, which either
directly or indirectly in combination with other information available with Dhani
Finance, can identify such person.
- This Policy applies to the PI such as details pertaining to your name,
parentage, marital status, nationality, state/city of residence, residential
address, e-mail address, date of birth, gender, contact number/mobile
number, user ids, passwords, recent photograph, signature image, income
proof, PAN, credit score, credit information report, e-KYC through UIDAI,
Aadhaar based e-Sign and such other Know Your Customer (KYC) documents like
address proof, identity proof, officially valid documents/details (OVDs)
accepted for concluding a financial transaction, which may be shared/
uploaded by you, as and when you avail any products and/or service through
usage of the Website and to which Dhani Finance may become privy to.
- By visiting and/or using our Website, you agree to this Policy. Further,
this policy applies to all current and former visitors to the Website. It is
strongly recommended for you to return to this page periodically to review
the most current version of the Policy. (iii) Dhani Finance reserves the
right at any time, at its sole discretion, to change/amend or otherwise
modify the Policy without prior notice, and your continued access or use of
this Website signifies your acceptance of the updated or modified Policy.
However, if we make any material change to the Policy, we will notify you by
e-mail (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.
- Dhani Finance reserves the right at any time, at its sole discretion, to
change/amend or otherwise modify the Policy without prior notice, and your
continued access or use of this Website signifies your acceptance of the
updated or modified Policy. However, if we make any material change to the
Policy, we will notify you by e-mail (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.
- Dhani Finance reserves the right at any time, at its sole discretion, to
change/amend or otherwise modify the Policy without prior notice, and your
continued access or use of this Website signifies your acceptance of the
updated or modified Policy. However, if we make any material change to the
Policy, we will notify you by e-mail (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.
- Applicability:
- You while providing your details/documents over the Website, including but
not limited to PI as mentioned hereinabove, expressly consent to Dhani
Finance (including its marketing channels and business partners) to contact
you through SMS, call and/ or e-mail and to follow up calls in relation to
the services provided through the Website, for imparting product knowledge,
offering promotional offers running on Website & various other offers
offered by its business partners.
- The usage of the Website may also require you to provide consent for keying
in/ uploading your PI (including but not limited to user ids and passwords),
as may be necessary to process your application through the Website. Any PI
which requires to be keyed in/ uploaded is required for enabling hassle
free, faster and paperless (to the extent possible) processing of
applications for financial products so opted/ availed by you.
- You hereby authorize and expressly consent us to share your PI with third
parties including but not limited to Credit Information Companies (“CIC”) to
do an aggregate check of your credit profile for Dhani Finance to send you
targeted communications and offers.
- If you are no longer interested in sharing your PI, please e-mail your
request at: support@dhanifinancelimited.co.in.
Please note that it may take about 72 business hours to process your
request. In furtherance to your usage of the Website, you expressly waive
the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your
phone/mobile numbers for contacting you for such purpose and usage. Hence,
there will be no DNC / DND check required for the number you may have left
on our Website. Such modes of contacting you may include sending SMSs and/
or telephonic calls.
- Dhani Finance reserves the right (and you expressly authorize Dhani Finance)
to share or disclose your PI when Dhani Finance determines, in its sole
discretion, that the disclosure of such information is necessary or
appropriate under the law for the time being in force.
- Credit Information Report
- Your Credit Information (credit score and credit information report) is
procured through a 'soft search' of your credit records with Credit
Information Companies “CICs” and Dhani Finance has no control over the
content or accuracy of information provided in your credit information by
CICs. Dhani Finance gets this information from CIC for and on your behalf
only when you agree to appoint Dhani Finance as your lawfully appointed
authorized agent/ representative for collecting your credit information from
CICs. By consenting to use and avail your credit information report through
Dhani Finance, you agree that Dhani Finance and CICs shall be entitled to
rely on your authorization and consent granted by you to Dhani Finance.
- Availing your credit information through Dhani Finance is subject to your
passing of appropriate identity authentication for security and privacy
purposes. Dhani Finance shall not notify you the reasons if you are unable
to pass such identity authentications and not able to view and/or use your
credit information.
- Dhani Finance may analyze and profile your credit information in order to
assist you in being better informed about, understand and manage your credit
score/rating, identify and inform you of credit products that are likely to
be suited to your circumstances, to identify whether you may benefit from
additional guidance concerning your credit score and steps you can take to
improve your score and credit history etc. For more details please
access Dhani Finance Terms of Service for
Credit Information Report.
- Opt-Out In case you do not want to be disturbed over
telephonic calls, kindly fill up the details requested in the below table, including
the details of the telephone number(s) on which you do not wish to be contacted and
submit the same at support@dhanifinancelimited.co.in
from your email address registered at Dhani Finance.
- Purpose And Usage
- Dhani Finance will not sell or rent your PI to anyone, for any reason, at
any time. However, we will be sharing your PI with our affiliates and
business partners including CICs, where we feel that you will be assisted
better for the purpose of underwriting and approval of your credit card,
loan or any other financial product transaction/related transaction; or for
doing a check of your credit profile on your behalf and sending you targeted
communications and offers. We assure that Dhani Finance will always seek
your consent to process certain types of information where it is legally
required to do so. Dhani Finance uses the PI collected to manage its
business and offer you an enhanced, personalized online experience on its
Website. By registering on the Website, you authorize Dhani Finance to send
SMS and e-mail alerts to you for its service requirements, including sending
promotional e-mails and SMSs. Further, it enables Dhani Finance to:
- send you any administrative notices, offer alerts and other
communications relevant to your use of the Service
- display tailored product offers to you and enable you to apply for
certain products and services for which you have chosen to apply
- carry market research, project planning, troubleshooting issues,
detecting and protecting against error, fraud or other criminal
activity
- improve our Services and manage our customer relationships better
- improve our Services and manage our customer relationships better
- comply with all applicable laws and regulations
- In the event that you access the Service as brought to you by one of our
partners either through the Website or on being redirected from a co-branded
URL or any other website , your name, e-mail address, mobile number, date of
birth, employment type, residency status, income details/proofs, Form 26 AS,
PAN, details of loan / credit card/ mutual fund applied for and loan, credit
card and mutual fund status or any other financial product status may be
provided to that partner when your application is submitted and whenever the
status of application is updated. Dhani Finance has a business relationship
with these partners and you may not opt-out of sharing your information with
these partners if you have applied via a co-branded URL or any other website
or directly through the Website as the case may be.
- For availing the Service such as applying for credit information report,
loan, credit card, mutual fund or any other financial product we will
require you to provide/upload on the Website the details such as a your
name, parentage, marital status, email address, nationality, location,
mobile number, PAN, employment & income details/proofs, Form 26 AS,
recent photograph, signature image, other Know Your Customer (KYC) documents
like address proof, identity proof and personally identifying information
about a potential co-loan applicant (should you select this option), and to
participate on our forum boards, you must provide a username for yourself.
- You may opt out of location-based services at any time by editing the
setting of your browser.
- In order to provide your bank statement or pay slip electronically along
with your loan application, you also must provide your third-party account
credentials ("Account Credentials") to allow Dhani Finance to retrieve your
account data at those other financial institutions ("Account Information")
for your use. Your Account Credentials are only used once to retrieve your
bank statements/pay slips, Form 26 AS and are not stored in our system.
Dhani Finance shall not be liable to you against any liability or claims
which may arise out of such transactions being carried on your own accord.
- We may also use third party service providers to provide the Service to you,
such as sending e-mail messages on our behalf or hosting and operating a
feature or functionality of the Service. Our contracts with these third
parties outline the appropriate use and handling of your information and
prohibit them from using any of your PI for purposes unrelated to the
product or service they're providing. We require such third parties to
maintain the confidentiality of the information provide to them.
- Disclosure / Sharing
Dhani Finance does not disclose PI of a customer except as directed by law or as
per mandate received from the customer / applicant. Upon your written request
Dhani Finance will provide you with information on whether we hold any of your
PI. No specific information about customer accounts or other personally
identifiable data is shared with third parties unless any one of the following
conditions is met:
- To help complete a transaction initiated by you
- To perform support services through a third-party service provider, provided it
conforms to the Privacy Policy of the Dhani Finance and your prior consent to do
so is obtained
- You have specifically authorized it
- Where the disclosure is necessary for compliance of a legal obligation or as
required by law, such as to comply with a subpoena, or similar legal process
- When we believe in good faith that disclosure is necessary to protect our
rights, protect your safety or the safety of others, investigate fraud, or
respond to a government request There are number of products/services such as
loans, credit cards, mutual funds, offered by third Parties on the Website, such
as lenders, banks, credit card issuers. If you choose to apply for these
separate products or services, disclose information to these providers, then
their use of your information is governed by their privacy policies. Dhani
Finance is not responsible for their privacy policies. Dhani Finance may share
your data with other third parties, such as service providers, advertisers,
Credit Information Companies, fraud prevention agencies, marketing channels,
affiliates, without the need for additional consent from you. Dhani Finance
shall not be held liable for disclosure of the PI when used in accordance with
this Privacy Policy or in terms of the ‘General Terms of Use’ of Website or an
agreement, if any, with the users of Website.
Intimation By Customers Regarding Change In Personal Information
If your PI provided to us when you had applied for a product on our Website changes,
you may update it whenever you apply for a new product via our Website. To review
and update your PI and to ensure that the same is accurate while your application is
in process, you may contact us at support@dhanifinancelimited.co.in.
You will not be able to update the information you have provided in an application
after a decision has already been made on it; however, you may create and submit a
new application with your updated information.
Note:We will retain your information for as long as your account is
active or as needed to provide you services. If you wish to cancel your account or
request that we no longer use your information to provide you services, contact us
at support@dhanifinancelimited.co.in.
We will respond to your request within a reasonable timeframe. However, we will
retain and use your information as necessary to comply with our legal obligations,
resolve disputes, and to enforce our agreements.
Retention Of Your Data
- Dhani Finance will retain your information for as long as it is necessary for
providing you the Services available on the Website or your request for
termination of your account with Dhani Finance, whichever is later.
- Post termination of your account, Dhani Finance may continue to use your
anonymized data aggregated or in combination with anonymized data of other
users. We use this aggregated anonymized data for data analysis, profiling and
research purposes, for example to gain insights about our users and their
profiles. We may keep your contact information along with your application
details (if any) for fraud prevention purposes and for the exercise/ defense of
a legal claim or for providing evidence in legal proceeding(s).
- Email & SMS Communications From Us And Our Partners
We provide our registered customers with periodic emailers and email/SMS alerts. We
also allow users to subscribe to email newsletters and from time to time may
transmit emails promoting Dhani Finance or third-party products. Subject to the
express consent clause above, Dhani Finance’s Website subscribers may opt-out of
receiving our promotional emails and terminate their newsletter subscriptions by
following the instructions in the emails. Opting out in this manner will not end
transmission of service-related e-mails/SMS, such as e-mail/SMS alerts. The above
services are also provided by our partners.
This information may include internet protocol (IP) addresses, browser type, internet
service provider (ISP), referring/exit pages, operating system, date/time stamp,
and/or clickstream data. We may use the collected log information about you to
improve services offered to you, to improve marketing, analytics, or Website
functionality.
Dhani Finance and its partners use cookies or similar technologies to analyze trends,
administer the website, track users’ movements around the website, and to gather
demographic information about our user base. You can control the use of cookies at
the individual browser level, but if you choose to disable cookies, it may limit
your use of certain features or functions on our website or service.
Behavioral Targeting / Re-Targeting
We partner with a third-party service provider to either display advertising on our Website or to manage our advertising on other websites. Our third-party partner may use technologies such as cookies to gather information about your activities on this Website and other websites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this
does not opt you out of being served ads. You will continue to receive generic ads.
- Third Parties Will Not Be Given Your Personal Information Unless You Give Consent To Dhani Finance
There are several products and services, such as credit information report, loans,
credit cards, mutual fund and other financial products being offered by third
parties on our Website, such as lenders, banks, credit card issuers and mutual funds
(collectively "Offers"). If you choose to apply for these separate products or
services, disclose information to the providers, or grant them permission to collect
information about you, then their use of your information is governed by their
privacy policies. You should evaluate the practices of these external services
providers before deciding to use their services. Dhani Finance is not responsible
for their privacy practices.
- We keep Your Data Secure
- We follow generally accepted standards to protect the PI submitted to
us, both during transmission and once we receive it. Since no method of
transmission over the Internet, or method of electronic storage, is 100%
secure, therefore, we cannot guarantee its absolute security. If you
have any questions about security on our Website, you can contact us at
support@dhanifinancelimited.co.in.
- We use a combination of firewalls, encryption techniques and
authentication procedures, among others, to maintain the security of
your online session and to protect Dhani Finance online accounts and
systems from unauthorized access.
- When you register for the Service, Dhani Finance requires a password
from you for your privacy and security. Dhani Finance transmits
information such as your login credentials for Website or Account
Credentials securely.
- Our servers are in secure facilities where access requires multiple
levels of authentication, including an identity card and biometrics
recognition procedures. Security personnel monitor the facilities 7 days
a week, 24 hours a day.
- Our databases are protected from general employee access both physically
and logically. We encrypt your Service password so that your password
cannot be recovered, even by us. All backup drives and tapes also are
encrypted.
- We enforce physical access controls to our buildings. No employee can
put PI on any insecure machine (i.e., nothing can be taken from the
database and put on an insecure laptop). We permit only authorized
employees who are trained in the proper handling of customer
information, to have access to aforesaid PI.
- Dhani Finance has been verified for its use of SSL encryption
technologies. In addition, Dhani Finance tests the Website using
Acunetix scan for any failure points that would allow hacking. However,
it is important to understand that these precautions apply only to our
Website and systems.
- All Private Information Is Encrypted And Communicated Securely
All communications between your computer/mobile and our Website that contain any PI
are encrypted. This enables client and server applications to communicate in a way
that is designed to prevent eavesdropping, tampering and message forgery.
- YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR LOGIN ID AND PASSWORD
- You are responsible for maintaining the security of your login ID and
Password and must not provide these credentials to any third party. If
you believe that they have been stolen or been made known to others, you
must contact us immediately at support@dhanifinancelimited.co.in.
We are not responsible if someone else accesses your account through the
login credential they have obtained from you or through a violation by
you of this Privacy and Security Policy or the Dhani Finance Terms of
Use.
- If you have any security related concern, please contact us at support@dhanifinancelimited.co.in.
We will work closely with you to ensure a rapid and personal response to
your concerns.
- Implementation of international standard for management of information security (required to be taken care of)- To be discussed.
- Contact Us With Any Questions Or Concerns (Grievance Redressal)
If you have grievance or complaint, questions, comments, concerns or feedback in
relation to the processing of information or regarding this Privacy and Security
Policy or any other privacy or security concern, send an e-mail to support@dhanifinancelimited.co.in.
The name and contact details of the Grievance Officer
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- Feedback
If you have an unresolved privacy or data use concern that has not been addressed
satisfactorily, you are advised to contact at support@dhanifinancelimited.co.in.
- NOTICE
The effective date of this Policy, as stated below, indicates the last time this
Policy was revised or materially changed.