Dhanvarsha Finvest Limited, is a registered Non-Banking Financial Company (NBFC) with Reserve Bank of India (RBI), having its registered office at 2nd Floor, Building No. 4, DJ House, Old Nagardas Road, Andheri (East), Mumbai 400 069 (hereinafter referred to as, “Dhanvarsha”, “we”, “us”, etc.)
We at Dhanvarsha, value your trust and respect your right to privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully. If you do not agree to the terms of this Privacy Policy, please do not further use or access Dhanvarsha website/applications.
This privacy statement is applicable to website and applications (mobile and hybrid, hereinafter referred to “applications”) of Dhanvarsha. This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource to access our Services. It is important that you read the Privacy Policy carefully because whenever you use our website/applications, your Personal Data will be processed (if at all) in accordance with this policy
Personal Data, means and includes, any data relating to identified or identifiable living person (‘data subject’ here in referred as you/your’) including but not limited to, name, telephone number, email ID, any personal details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies (CIC).
We collect data about you or your usage to provide better services to all of our users. We collect data in the following ways:
Cookies are small data files that a Website stores on your computer. A "cookie" is a small text file that may be used, for example, to collect data about Website activity. Some cookies and other technologies may serve to recall Personal Data previously indicated by a Web user. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Website. Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our site/application is accessed. Our use of cookies and other tracking technologies allows us to improve our website/applications and your Web experience. We may also analyse information that does not contain Personal Data for trends and statistics. For more information about our use of cookies please refer to our Cookie Policy
We understand the importance of your information and ensure that it is used for the intended purpose only. We access, store and use the information we collect from you in accordance with the applicable laws. We restrict access to your Personal Data to employees who we believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services.
Dhanvarsha does not share Personal Data about you with other people or non-affiliated companies except a) to provide products or services you've requested, b) when we have your permission, c) or under the following circumstances:
We believe it is necessary to share data in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Dhanvarsha terms of use, or as otherwise required by law.
When you use or participate in any of our Services and/or provide us your details, your data may be transferred outside India for processing consistent with this Privacy Policy. Please note that the data protection laws of countries to which your data may be transferred will be at least same level as that of India.
Our Services may link to third-party websites/applications and services that are outside our control. Further, Dhanvarsha, its group companies, its affiliates, and their directors and employees (“Dhanvarsha Group”) accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of any application or any site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with any online application, its Contents (material, information, data, money market movements, news items, etc.) or associated services, or due to unavailability of any application or any part thereof or any Contents or associated services even if Dhanvarsha Group are advised of the possibility of such damages, losses or expenses.
To use the Site/Application you agree that you must be the minimum age (described in this paragraph below) or older. The minimum age for these purposes shall be 18, however if local laws require that you must be older in order for Dhanvarsha to lawfully provide the services in the Site/Application to you then that older age shall apply as the applicable minimum age.
Dhanvarsha makes sure at all times to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your Personal Data as the same is of vital importance to Dhanvarsha. Our Platform has stringent security measures in place to protect the loss, misuse and alteration of information under control. We endeavour to safeguard and ensure the security of the information provided by you. At Dhanvarsha, we are strongly committed to protecting the personal and financial information that you submit to us. Dhanvarsha shall ensure to safeguard the security and confidentiality of any data you share with us. Any of your personally identifiable data obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your Personal Data, Dhanvarsha cannot warrant the security of any data you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk. Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our Services.
By using the website and applications and by providing your information, you consent to the collection, sharing, disclosure and usage of the information that you disclose on the Platform in accordance with this Privacy Policy.
We are seeking your permissions to access below mentioned data to check the creditworthiness of the loan application, evaluate the credit risk, prevent fraudulent loan application and manage credit disbursal in a short span of time. We request you to please read the permissions carefully wherein we have explained how and why the data is collected by us.
Contacts: By accepting this permission, you are allowing us to access your contact information from your address book and have it uploaded on our server. This is to help you manage reference selection during loan application process and for us to be definite about your usage of this phone. This permission is critical for us to detect any fraudulent loan applications and manage credit risk better. The data transferred to the server is accomplished through secure APIs.
Location: By accepting this permission, you are allowing us to track your current location. This helps us to check for availability of our services in your location to approve your loan application.
Camera: By accepting this permission to access camera, you are able to take a selfie, scan/capture image(s) and share/upload the requested KYC documents and help us to establish the authenticity of your loan application.
If we decide to change our Privacy Policy, we will post those changes on this page so to make you aware of the information we collect, how we use it, and under what circumstances we share and disclose it.
Dhanvarsha shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user's account and / or information relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used whether or not in pursuance of a legal process or otherwise. Dhanvarsha does not store any Credit Debit card details. Any other personal and sensitive Personal Data shared by you which is not asked by Dhanvarsha during registration, either mandatorily or optionally; accounts to wilful and intentional furnishing; and Dhanvarsha will not be liable for breach of such information.
Please note that Dhanvarsha retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos).
Dhanvarsha reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time. The same shall be notified to you by posting such changes or updated Private Policy on the website/ application. Any changes or updates will be effective immediately upon posting to our website/ application.
Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.