Privacy Policy
Welcome to https://dhanjyoticapital.com (the “Site”), operated by Dhanjyoti Capital, a Non-Banking Financial Company (NBFC) registered under the Companies Act, 2013. This Privacy Policy (“Policy”) explains how we collect, use, disclose, and safeguard your personal information when you visit our Site or use our financial products and services. By accessing or using our Site and services, you agree to the practices described below.
1. Information We Collect
We collect various types of information to provide our services and improve your experience, including:
- Personal Identification Information: Name, date of birth, gender, nationality, PAN, Aadhaar, voter ID, passport, and other government-issued IDs.
- Contact Details: Residential address, email, phone numbers.
- Financial Information: Salary slips, bank account details, income proof, credit score, tax returns, and employment details.
- Application Data: Loan application forms, documents submitted, communication history.
- Technical and Usage Data: IP address, browser type, device details, pages visited, access times, and cookies.
- Other Information: Any additional details voluntarily provided during service interaction.
2. How We Use Your Information
Your personal data is used strictly for purposes including but not limited to:
- Assessing eligibility and processing loan applications.
- Conducting credit verification, risk assessment, and fraud prevention.
- Managing loan disbursal, repayment, and customer support.
- Sending important updates, notices, and promotional materials related to our products.
- Complying with regulatory and legal requirements mandated by RBI and other authorities.
- Enhancing our website, services, and customer experience.
- Communicating changes to policies, terms, and service offerings.
3. Legal Basis for Processing Your Data
We collect and process your personal data based on:
- Consent: Where you voluntarily provide information or agree to specific uses.
- Contractual Necessity: To provide and manage loan and financial services.
- Legal Compliance: To comply with laws and regulations applicable to NBFCs and financial institutions.
- Legitimate Interests: To prevent fraud, improve services, and safeguard our business and customers.
4. Information Sharing and Disclosure
We may share your personal data with:
- Credit Bureaus and Verification Agencies: For credit evaluation and risk assessment.
- Banks and Financial Partners: Essential for loan disbursal and servicing.
- Regulatory Authorities: As required by laws and RBI regulations.
- Third-Party Service Providers: For IT, data storage, customer support, and payment processing, all under strict confidentiality.
- Law Enforcement or Government Agencies: When mandated or permitted by law.
Note: We do NOT sell, trade, or rent your personal information to any external marketers.
5. Data Security and Protection
Dhanjyoti Capital employs state-of-the-art technical, administrative, and physical safeguards, including:
- Data encryption and secure socket layers (SSL) for data transmission.
- Controlled access to personal data within the organization.
- Regular security audits and vulnerability assessments.
- Secure storage of physical and electronic documents.
Despite our best efforts, no data transmission over the internet or electronic storage is 100% secure. Users agree to use our Site at their own risk and report any suspected security breaches promptly.
6. Cookies and Tracking Technologies
Our Site uses cookies and similar tracking tools to:
- Enhance user experience by remembering preferences.
- Analyze website traffic and usage patterns.
- Provide personalized content and advertising.
You may manage cookie preferences through your browser settings. Disabling cookies may limit certain functionalities of the Site.
7. User Rights
Under applicable laws, you have the following rights regarding your personal data:
- Access: Request a copy of your data we hold.
- Correction: Ask to correct or update inaccurate or incomplete information.
- Deletion: Request erasure of data, subject to legal and contractual obligations.
- Objection: Object to data processing for marketing or profiling.
- Data Portability: Request transfer of your data to another service provider.
- Withdraw Consent: Where data processing is based on your consent.
Requests can be made by contacting us using the details below. We will respond within a reasonable timeframe as per law.
8. Retention of Personal Data
We retain your data only as long as necessary to fulfill the purposes stated, comply with legal obligations, resolve disputes, and enforce agreements. Once no longer required, data is securely deleted or anonymized.
9. Children’s Privacy
Our services are not intended for individuals below 18 years. We do not knowingly collect data from children. If such data is discovered, we will promptly delete it.
10. Third-Party Links
Our Site may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy policies, or practices of those external sites. Accessing third-party links is at your own risk.
11. International Data Transfers
As a company operating in India, your personal data is stored and processed primarily within India. If we transfer your data outside India (for example, to cloud service providers), we ensure adequate safeguards as per applicable data protection laws.
12. Disclaimers and Limitation of Liability
- We strive to protect your privacy but cannot guarantee absolute security.
- We are not liable for any indirect, incidental, or consequential damages resulting from your use of the Site or services.
- Nothing in this Policy limits liability for death or personal injury caused by our negligence.
13. Changes to This Privacy Policy
We reserve the right to modify this Policy at any time. Updated versions will be posted on this page with a revised effective date. Your continued use of our Site or services constitutes acceptance of those changes.
14. Governing Law and Jurisdiction
This Policy is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.
15. Contact Us
If you have questions or requests about this Privacy Policy or your personal data, please contact:
Dhanjyoti Capital
Diamond House, 9 Vatchagandhi Road, Gamdevi,
Mumbai, Maharashtra, India
Email: info@dhanjyoticapital.com
Phone: +91 9153887109
About Dhanjyoti Finance
Dhanjyoti Finance is operated by Beautiful Securities Ltd., an NBFC registered with the Reserve Bank of India (RBI). CIN: U67120MH1994PLC076468.
Registered Office: 123, Business Plaza, Sector 15, Vashi, Navi Mumbai, Maharashtra, India - 400703
Contact: +91 9153887109 | Email: info@dhanjyoticapital.com
