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
Sita Enterprises LTD. (hereinafter referred to as
Dhani Finance India/ 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 India. Keeping
personal information of customers secure and preventing any misuse thereof, is
therefore, a top priority of Dhani Finance India.
We state that Dhani Finance India 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 India treatment of personal information that
Dhani Finance India collects when you are on the Dhani Finance India site, and when you
use Dhani Finance India services. This policy also covers Dhani Finance India treatment
of any personal information that Dhani Finance India business partners share with
Dhani Finance India. This policy does not apply to the practices of companies that
Dhani Finance India does not own or control, or to people that Dhani Finance India does
not employ or manage.
Dhani Finance India collects personal information when you register for an KuberKredit
Finance account, when you use certain Dhani Finance India products or services, when you
visit Dhani Finance India pages, and when you enter promotions or sweepstakes.
Dhani Finance India 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 India, 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 India 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 India 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 India 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 India 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 KuberKredit
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 India to send you targeted communications and offers.
- If you are no longer interested in sharing your PI, please e-mail your
request at: wecare@onlinedhanifinance.com . 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 India reserves the right (and you expressly authorize
Dhani Finance India) to share or disclose your PI when Dhani Finance India
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 India has no
control over the content or accuracy of information provided in your credit
information by CICs. Dhani Finance India gets this information from CIC for
and on your behalf only when you agree to appoint Dhani Finance India 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 India, you agree that KuberKredit
Finance and CICs shall be entitled to rely on your authorization and consent
granted by you to Dhani Finance India.
- Availing your credit information through Dhani Finance India is subject to
your passing of appropriate identity authentication for security and privacy
purposes. Dhani Finance India 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 India 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 India 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 wecare@onlinedhanifinance.com from your email address
registered at Dhani Finance India.
- Purpose And Usage
- Dhani Finance India 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 India will always
seek your consent to process certain types of information where it is
legally required to do so. Dhani Finance India 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 India 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 India 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 India 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 India 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 India 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 India 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 India 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 India 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. KuberKredit
Finance is not responsible for their privacy policies. Dhani Finance India 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 India 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 wecare@onlinedhanifinance.com . 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 wecare@onlinedhanifinance.com . 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 India 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 India, whichever is later.
- Post termination of your account, Dhani Finance India 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 India or third-party products. Subject to
the express consent clause above, Dhani Finance India’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 India 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.
Behavioural 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 India
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 India 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 wecare@onlinedhanifinance.com .
- 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 India online accounts
and systems from unauthorized access.
- When you register for the Service, Dhani Finance India requires a
password from you for your privacy and security. Dhani Finance India
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 India has been verified for its use of SSL encryption
technologies. In addition, Dhani Finance India 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 wecare@onlinedhanifinance.com . 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 India Terms of
Use.
- If you have any security related concern, please contact us
at wecare@onlinedhanifinance.com . 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 wecare@onlinedhanifinance.com .
The name and contact details of the
Grievance Officer
-----------------------------------------------------------------------------------------
- Feedback
If you have an unresolved privacy or data use concern that has not been addressed
satisfactorily, you are advised to contact at wecare@onlinedhanifinance.com .
- NOTICE
The effective date of this Policy, as stated below, indicates the last time this
Policy was revised or materially changed.
