Privacy Policy — Dhaniti Financial Solutions

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1. Information We Collect

We may collect the following categories of information:

Personal Information:your name, email address, telephone number, date of birth, government identification numbers (PAN, Aadhaar, etc.), address, and employment details.

Transaction and Performance and Usage Information:details about your transactions through Dhaniti, payment history, IP address, device identifier, app usage statistics, and login/logout activity and browser logs.

Audio/Usage Information:recorded customer service calls, app usage patterns, operating system details, device model, network state, location data (with consent), and camera/storage permissions (if granted).

Voluntarily Provided Information:information you submit via forms, feedback forms, survey responses, chat interactions, or customer support communications.

We do not intentionally collect sensitive personal data such as biometric data, genetic data, health data, or religious/political beliefs without explicit consent unless required by law.

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2. How We Use Your Information

We process your personal information for legitimate business purposes, including:

Processing account registration, identity verification, authentication, and onboarding processes.

Facilitating application for financial products offered through our platform by bank/NBFC partners.

Managing and administering your account, services, and transactions.

Assessing creditworthiness, completing KYC verification, risk analysis, and fraud prevention through authorized third parties and regulatory databases.

Providing customer support, responding to inquiries, resolving complaints, and troubleshooting issues.

Sending transactional notifications, security alerts, product updates, and administrative communication via email, SMS, WhatsApp, or push notifications.

Improving our website, application, services, and user experience.

Complying with legal, regulatory, tax, and reporting obligations.

We will not sell your personal information to third parties for marketing or advertising purposes without your explicit consent.

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3. Communication and Consent

Communications: By registering on our platform and providing your contact information, you consent to receive communications from Dhaniti via email, SMS, WhatsApp, phone calls, and in-app notifications regarding your account, transaction updates, marketing offers, and service updates. You may opt out of promotional communications at any time by following the instructions in the communication or by emailing us at or through the settings in our mobile app. However, you will continue to receive essential transactional messages.

Third-Party Services and Consent: You acknowledge that Dhaniti acts as a digital lending platform/financial service aggregator, facilitating access to products from licensed banks and NBFC partners. By applying for financial products through Dhaniti, you consent to sharing your information with partner banks/NBFCs for credit evaluation and loan processing.

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4. Legal Basis and Compliance

We process personal information in compliance with applicable Indian privacy laws, including the Information Technology Act, 2000, read with applicable rules and regulations, and the Digital Personal Data Protection Act, 2023 (DPDP Act), and guidelines issued by regulatory bodies such as the Reserve Bank of India (RBI).

Where processing is based on consent, you have the right to withdraw consent at any time, subject to legal or contractual obligations and reasonable notice.

By submitting your information or accessing/using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, processing, and use of your information as described herein.

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5. Data Protection and Security

We implement robust technical and organizational security measures designed to protect your personal information against unauthorized access, loss, misuse, alteration, or destruction. Access to personal information is restricted to authorized personnel, contractors, and service providers who need to access such information for business purposes.

While we take reasonable steps to protect your information, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

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6. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information.

Sharing with Partner Institutions:We may share your information with third-party service providers, banks, NBFCs, payment gateways, identity verification services, credit bureaus, cloud hosting providers, analytics services, and technology partners to deliver services.

Verification and Credit Scoring:We process personal information to comply with legal, regulatory, or tax obligations, respond to court orders or sub-poenas, or comply with requests from government or regulatory authorities.

Sharing with Legal Authorities:We may disclose information if required to comply with a legal obligation, court order, or request from regulatory or law enforcement bodies.

Corporate Transactions:In the event of a merger, acquisition, reorganization, or sale of assets, user information may be transferred as part of the transaction.

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7. Cookies and Analytics

Our website may use cookies, web beacons, pixel tags, and similar technologies to enhance user experience, analyze website traffic, remember preferences, and personalize content. You can manage your cookie preferences through your browser settings. However, disabling cookies may limit your ability to use certain features of our platform.

Analytics: We use third-party analytics services to help us analyze how users use our website and app, compile reports on activity, and improve functionality.

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8. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, including legal, accounting, tax, or reporting requirements, and as required under applicable laws such as RBI regulations. When personal information is no longer needed, we securely delete or anonymize it in accordance with applicable retention schedules.

Please note that certain financial transaction records, KYC documents, and communication logs may be retained for longer periods (e.g., 5 to 10 years) as mandated by financial regulators or applicable law.

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9. Your Rights

Subject to applicable law, you have the right to:

Access and review the personal information we hold about you.

Request correction of inaccurate or incomplete information.

Request erasure of your personal information (where applicable).

Withdraw your consent for processing where processing is based on consent.

Object to or restrict processing of your personal information in certain circumstances.

File a complaint with the relevant data protection authority or court.

To exercise any of these rights, please submit a written request to . We will respond within the timeline prescribed by applicable law.

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10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information without parental consent, please contact us immediately, and we will take steps to remove such information and terminate the account.

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11. Policy Changes

This Privacy Policy may be updated from time to time to reflect changes in our business practices, operational services, legal obligations, or regulatory guidance. The latest version of the Privacy Policy will always be available on our website, along with its effective date.

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12. Contact Us

If you have any questions about this Privacy Policy, your personal information, or wish to exercise your rights, please contact our Data Protection Officer / Grievance Officer at:

Dhaniti Financial Solutions Private Limited

privacy@dhaniti.com

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