1. Introduction
Dhan Shakti Microfinance is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website and services.
2. Information We Collect
We may collect the following types of information:
a. Personal Information
- Full Name
- Mobile Number
- Email Address
- Date of Birth
- Address
b. KYC & Financial Information
- Aadhaar Number
- PAN Card Details
- Bank Account Details
- Income Details
- Business Information
c. Technical Information
- IP Address
- Device details
- Browser type
- Website usage data (cookies)
3. How We Use Your Information
We use your data for:
- Processing loan applications
- Verifying identity (KYC compliance)
- Credit assessment and risk analysis
- Loan disbursement and repayment tracking
- Customer support and communication
- Compliance with legal and regulatory requirements
4. Sharing of Information
We may share your data with:
a. Credit Bureaus
- Such as CIBIL, Equifax, Experian
- For credit checks and reporting repayment history
b. Banking & Financial Partners
- For loan processing, disbursement, and repayment
c. Regulatory Authorities
- RBI or other authorities when required
d. Service Providers
- Technology, KYC verification, and payment partners
We do not sell your personal data to third parties.
5. Data Security
- We implement reasonable security measures to protect your data
- Data is stored securely and accessed only by authorized personnel
- However, no system is 100% secure, and we cannot guarantee absolute security
6. Cookies Policy
- Our website may use cookies to:
- Improve user experience
- Analyze website traffic
- Users can disable cookies through browser settings
7. User Rights
You have the right to:
- Access your personal data
- Request correction of incorrect data
- Request deletion (subject to legal requirements)
- Withdraw consent (may affect services)
8. Data Retention
- We retain your data as long as required for:
- Business purposes
- Legal and regulatory compliance
- Even after loan closure, data may be retained as per law
9. Third-Party Links
- Our website may contain links to external websites
- We are not responsible for their privacy practices
10. Consent
By using our website or services, you:
- Agree to this Privacy Policy
- Consent to collection and use of your data as described
11. Updates to Privacy Policy
- We may update this policy from time to time
- Changes will be posted on this page with updated date
12. Grievance Redressal
As per regulatory requirements, you can contact our grievance officer:
- Grievance Officer Name: Dhan Shakti Support Desk
- Email: dhanshaktiinfo@gmail.com
- Phone: +91 7089388033
- Address: Wb 64A, Scheme no. 94, Ring Road Indore, M.P, 452010
We will respond within reasonable time as per applicable laws.
13. Important Compliance Note (India – Microfinance)
- We follow applicable guidelines of the Reserve Bank of India (RBI) (if applicable)
- Customer data is handled in accordance with IT Act, 2000 and applicable data protection laws
14. SMS/WhatsApp Consent
By providing your contact details, you agree to receive:
- Transactional messages
- Loan reminders
- Promotional offers (you may opt out anytime)