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Privacy Policy

By visiting this website you agree to be bound by the terms and conditions of this Privacy Policy.

From time to time we may reveal general statistical information about our Web site and visitors, such as number of visitors etc. Your trust and confidence are our highest priority.

Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personal information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private. Notwithstanding the above we will not disclose any of your personally identifiable information to third parties unless:

  • We have your permission.
  • To provide products or services you’ve requested.
  • Circumstances such as compliance with subpoenas, court orders, requests/order from legal authorities or regulators or law enforcement agencies requiring such disclosure.

We will collect anonymous traffic information from you when you visit our site. We will collect personally identifiable information about you only as part of a voluntary registration process or any combination there of.

Upon request, we will remove/block your personally identifiable information from our database, thereby canceling your registration. However, your information may remain stored in archive on our servers even after the deletion or the termination of your account.

Your right to privacy is very important. We recognize that when you choose to provide us with information about yourself, you trust us to act responsibly. We believe this information should only be used to help us provide you with better service. That’s why we have put a policy in place to protect your personal information. Below is a summary of our policy.

What Personal Information Do We Collect?

We will collect anonymous traffic information from you when you visit our site.

We will collect personally identifiable information about you only as part of a voluntary registration process or any combination thereof.

Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personal information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personal information or private communications will always remain private. Notwithstanding the above we will not disclose any of your personally identifiable information to third parties unless:

  • We have your permission.
  • To provide products or services you’ve requested.
  • Circumstances such as compliance with subpoenas, court orders, requests/order from legal authorities or regulators or law enforcement agencies requiring such disclosure.

In general, when you visit our web site (“Site”) and access information you remain anonymous. There are, however, occasions where we request from you certain information such as your e-mail or mailing address. The purpose of our requesting such information is to be able to better understand your needs, and provide you with services that we believe may be valuable to you. Before we ask you for any such information, we will generally explain how this information will be used. We will not provide any of your personal information to other companies or individuals without your permission. We may, however, provide such information to contractors providing services to us in relation to this Site or to our operations.

Protecting Your Privacy

Upon request, we will remove / block your personally identifiable information from our database, thereby canceling your registration. However, your information may remain stored in archive on our servers even after the deletion or the termination of your account.

We will take appropriate steps to protect your privacy in relation to your use of our Site. This Site may provide links to third party sites. Since we do not control such linked sites, we encourage you to review the privacy policies of these third party sites.

Use of Cookies

Our Site uses a technology called cookies that may be used to provide you with specific information. A cookie is a small element of data that our Site may send to your computer. Any such cookie is typically stored on your computer’s hard drive and permits our Site to recognize you when you return to the Site. Our use of cookies helps us to provide you with a better experience during your use of our Site by allowing us to understand what areas of the Site are of interest to you. These cookies do not track your individual information.

Privacy Policy (GDPR)

In this Privacy Policy Notice:

Data Protection Regulation means the European Union (EU) General Data Protection Regulation 2016/679 ("GDPR") effective from 25th May 2018 together with all other applicable legislation relating to privacy or data protection. Where we use the terms "personal data", "data subject", "controller", "processor" and "process" (and its derivatives), such terms shall have the meanings given to them in the GDPR.

Introduction

DHFL is committed to keep your sensitive personal data confidential. DHFL shall process any personal data collected from you in accordance with Data Protection Regulation and the provisions of this privacy policy. Please read this privacy policy carefully to understand our practices regarding use of your personal data and how DHFL treats it.

Data Controller

DHFL is the data controller of your personal data / information as per GDPR. DHFL is responsible and required under GDPR to notify you of the information contained in this Privacy Policy.

Collecting Personal Data / Information from You

DHFL collects your personal data / information through our website, face-to-face meeting and discussion, electronic communication & application forms in order to provide our services to you.

Personal Data / Information We Hold About You

We may collect, store, and use any or all of the following categories of personal data / information about you:

  • Personal details such as name, addresses, date of birth, nationality, gender, contact numbers, and personal/official email addresses.
  • Marital status and dependants.
  • Employment details & status.
  • Salary & Bank statements.
  • Financial & Income details.
  • Driving licence or other Identities like passport.
  • Photographs.
  • IP addresses.
  • Information we obtain from third parties (fraud prevention agencies, banks, merchants and credit reference agencies) when verifying details supplied by you and information collected from publicly available sources on websites. Other information about an individual that you or they disclose to us when communicating with us.
  • Cookies.

In certain circumstances it may be lawful for us to continue processing your information even where consent has been withdrawn, if one or the other legal bases described herein after is applicable.

Grounds for Using Your Personal Data / Information

DHFL is permitted to process your personal data in compliance with Data Protection Regulation by relying on one or more of the following lawful grounds:

  • You have explicitly agreed to us processing your personal data / information for a specific reason.
  • The processing is necessary to take steps to enter into an agreement with you, to perform the agreement we have with you and/or for compliance with a legal obligation. The recipients of your personal data may include any of the following:
    • Credit bureau or agencies like CIBIL, Equifax, Experian, FinFort, Astitute etc.
    • Regulators like RBI, NHB & SEBI etc.
    • Tax authority.
    • Law enforcement agencies.
    • Fraud prevention authorities.
    • Data processors and/or call centers.
  • The processing is necessary for the purposes of a legitimate interest pursued by us, which might include to provide services to you and to ensure that our customer accounts are well-managed and to prevent, detect, investigate and prosecute fraud and alleged fraud, money laundering and other crimes and to verify your identity in order to protect our business and to comply with laws that apply to us and/or where such processing is a contractual requirement of the services or financing you have requested.
  • The processing is necessary to protect our business interests, to ensure that complaints are investigated and also to evaluate, develop or improve our services or to keep our customers informed about relevant services, unless you have indicated at any time that you do not wish us to do so.

We will share your personal data to any of the above only for the purpose of either to serve you during the business relationship and/or as required under the applicable laws.

Purpose of Processing Your Personal Data / Information

We and our other group/affiliate companies may use your personal data or information shared by you for the following purposes:

How we use your personal data/ informationPurpose of usage
To provide service, manage your account(s) and our relationship with you.
  • Where necessary to enter into an agreement with you or for the performance of our agreement.
  • As required under the law.
  • To ensure that our customer accounts are well-managed.
  • To provide with a high standard of service and interests of our customers.
  • To protect our business interests.
To address enquiries and/or complaints.
  • Where necessary to enter into an agreement with you or for the performance of our agreement.
  • As required under the law.
  • Where it's required to respond to the queries and to ensure that complaints are investigated wherever required.
To provide you statements and other information about your account or to maintain our relationship.
  • Where necessary to enter into an agreement with you or for the performance of our agreement.
  • As required under the law.
To provide our services.
  • Where necessary to enter into an agreement with you or for the performance of our agreement.
  • As required under the law.
For assessment, evaluation (including credit and/ or behaviour scoring), statistical, market and product analysis and/or market research and to improve our services to you.
  • As required under the applicable law.
  • To evaluate, develop, implement and run business models and systems which protect our business interests.
  • To improve our products as well as the experiences of users and provide our customers with a high standard of services.
To develop our business strategies.
  • Where it is in our legitimate interests to protect our business and to develop our strategies.
To contact you (by post, phone, text, email and/or other digital modes), for the purpose of:
  • Helping you manage your accounts.
  • Meeting our regulatory/statutory obligations.
  • Keeping you informed about products and services you hold with us and to send you information about various products or services which may be of interest to you.
  • As required under the law.
  • To share information with our customers about products / services that may be relevant and beneficial to them. When you no longer wish to receive any marketing messages, you can always revert us.
To collect any debts
  • To collect any debts owing to us under the agreement.
To meet any regulatory/statutory compliance and reporting obligations and also for the purpose of detecting, preventing, investigating and prosecuting fraud and alleged fraud, money laundering and other crimes.
  • As required under the law.
  • As required by our regulator or statutory bodies to prevent and investigate fraud, money laundering and other crimes.
  • Where such processing is required for providing the services or financing you have requested.
To assess any application you make, including carrying out fraud, money laundering, identity, sanctions screening and any other regulatory checks.
  • Where you have made data public.
  • Where such actions are in our legitimate interests, for the protection of our business interests
  • As required under the law
  • In the case of sensitive information, such as medical information, where you have agreed.
To record and analyse phone calls and/or any other communications between you and us.
  • To check the instructions you provide to us, to detect and prevent fraud and other crimes, to analyse, assess and improve our services to customers, and for providing training, for the purpose of enhancement of our customer service and protection of our business interests.
To transfer your personal data/information with any third party to whom your account has been or may be transferred following a restructure, sale or acquisition.
  • Where necessary for the performance of our agreement with you.
  • Where there is a legitimate interest in restructuring or selling part of our business.
To share your personal data/information with relevant tax authorities, credit reference agencies, fraud prevention agencies, and United Kingdom (UK) and overseas regulators and authorities.
  • As required under the law.
  • For credit checks to take responsible business decisions.
  • Where we have a legitimate interest in assisting with the prevention and detection of fraud and other crime.
  • Where we have a legitimate interest in assisting UK and overseas regulators, who monitor financial institution to ensure that they comply the law and regulations.
To share your personal data/information information with our service providers/vendors.
  • Where necessary for the performance of our agreement
  • Where we have a legitimate interest in using third parties to provide certain services for us or on our behalf.


Decision Making

If you apply to us for a product or service, your application may be processed by a system based decision-making process which may carry out credit and affordability assessment checks to determine whether your application fulfils necessary required eligibility criteria and credit limits. In certain circumstances we manually review your application before making a final decision.

We may also carry out anti-money laundering and sanctions checks.

If we, or a fraud prevention agency/authority, determine that you pose a fraud or money laundering risk: (i) we may refuse to provide the product/services you have requested, or we may stop providing existing services if any availed by you; and (ii) a record of any fraud or money laundering risk will be retained by fraud prevention agencies/authorities.

If you have any questions about this, please contact us at response@dhfl.com.

Sharing of personal data / information

DHFL keeps all your personal data/information in confidential and secured manner. In order to serve you better, we may share any of your personal data/information with our vendors/third parties (processors) for the purpose of verification, servicing and/or data processing or storage. However, in order to be able to service your needs to the best of our ability, we may also share any information you provide to us with our group companies and support service or data providers, wherever located. We will ensure that if we share such information with third parties, any such disclosure is at all times in compliance with Data Protection Regulation.

The recipients or categories of recipients, of your personal data/information may be:

  • Any revenue or tax authority, if obliged to do so under applicable regulations. For Common Reporting Standards and FATCA, we may also have to report your account(s) to the necessary tax authorities.
  • United Kingdom and overseas regulators and authorities in connection with their duties.
  • Anyone to whom we may transfer our rights and/or obligations including data processors and call center.
  • Any other person or organisation after a restructure, sale or acquisition, as long as that person uses your personal data/information for the same purposes as it was originally given to us or used by us (or both).
  • Credit reference, identity and address verification agencies and credit bureaus who may record and use your personal data / information and disclose it to other lenders, financial services organizations and insurers. Your personal data / information may be used by those third parties to make assessments in relation to your creditworthiness for debt tracing.
  • Fraud prevention and/or law enforcement agencies may use your personal data / information to prevent fraud and money-laundering and to verify your identity if false or inaccurate information is provided by you and fraud is identified. We, fraud prevention and/or law enforcement agencies may access and use your personal data / information for example, during the course of:
    • Checking details on proposals, applications for credit and credit related or other facilities.
    • Managing credit and credit related accounts or facilities.
    • Recovering debt.
    • Checking details on proposals and claims for all types of insurance.
    • Our regulators like RBI / NHB as the case may be.
    • Security Exchange Board of India (SEBI).
    • Pursuant to an order passed by any court/authority;

For further information you are requested to refer our product specific terms and conditions and application form.

Details of Transfer of Data outside the European Union (EU)

Personal data / Information about you in our possession may be transferred to India outside the European Economic Area for any of the purposes described in this Privacy Policy as we operate and carry out our business from India.

You and they understand and accept that these countries may have different (and potentially less stringent) laws relating to the degree of confidentiality afforded to the information it holds and that such information can become subject to the laws and disclosure requirements of such countries, including disclosure to governmental bodies, regulatory agencies and private persons, as a result of applicable governmental or regulatory inquiry, court order or other similar process. In addition, a number of countries have agreements with other countries providing for exchange of information for law enforcement, tax and other purposes.

When we, or our permitted third parties, transfer personal data / information outside the European Economic Area, we or they will impose contractual obligations on the recipients of that data to protect such information to the standard required in the European Economic Area. We or they may require the recipient to subscribe to international frameworks intended to enable secure data sharing. In the case of transfers by us, we may also transfer your personal data / information where the transfer is to a country deemed to provide adequate protection of your personal data / information by the European Commission or you have consented to the transfer.

If we transfer your information outside the European Economic Area in other circumstances (if we have to provide such information as required by law), we will use best endeavours to put in place appropriate safeguards to ensure that your information remains adequately protected.

Data Retention and Disposal

We (DHFL) will only keep the personal data / information we collect about you on our systems or with third parties for as long as required for the purposes set out above or as required to comply with any legal obligations to which we are subject.

We will destroy or erase your personal data / information after statutory timelines lapse. However, we may retain your personal data or information relating to your account after you cease to be a customer for longer than this, provided it is necessary for a legal, statutory, regulatory provisions for retention of data under the applicable laws including, fraud prevention or other legitimate business purpose.

Storage and Data Security

All personal data/information you provide to us is stored in our secured systems and in certain cases at secured data center servers with whom we have executed the definite agreement to secure and protect you data. Our data processing centers are ISO 27001 certified and appropriate logical and physically security measures are deployed to prevent your personal data from being used, accessed, altered or disclosed in an unauthorized manner or accidentally lost. Special controls like data leakage prevention (DLP) is also implemented to prevent any customer data stealing. SIEM log management and SOC services are in place with data processor to detect any suspicious activity related to cyber-attacks. We limit access to your personal data to those employees, contractors and/or vendors who have a business relationship with us only on a need to know basis to process and provide the services on our written instructions subject to the duty of confidentiality.

We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.

Our Communication

We may communicate with you via electronic mail (e-mail). When you contact us through any of our communication channels including visiting a local branch or calling over phone, we may verify your identity by asking few questions based on information known to us about you and the transactions on your loan application or account. We may record your calls for training, quality and security purposes.

Marketing Information

We may communicate with you via electronic mail (e-mail). When you contact us through any of our communication channels including visiting a local branch or calling over phone, we may verify your identity by asking few questions based on information known to us about you and the transactions on your loan application or account. We may record your calls for training, quality and security purposes.

Our Communication

We may use your personal data/information from time to time to inform you either by personal contact, letter, telephone, text (or similar) messages, email or other electronic means, about the various services in the course of business relationship and/or similar services which may be of interest to you including other products or promotional offers of our group/associated companies. Some time we partner with third parties to either display advertising on our website or to manage our adverting on other sites. Some of our third party partners may use technologies (Cookies) to gather your information about your activities on this website, our affiliate website in order to provide your promotional advertising based on your browsing activities and interest.

You may, at any time, request us to cease or do not send such marketing information by one, some or all channels, by contacting through email at response@dhfl.com or any of our branch.

Your Rights over Personal Data

Under certain circumstances, by law you have the right to:

  • Be informed about the processing of your personal data (i.e. for what purposes, what types, to what recipients) it is disclosed & storage periods.
  • Withdraw any consent that you have previously given to us of your personal data and/or ask us to stop using, however DHFL reserves the right to retain your personal data under applicable Indian law and / or as agreed under the business relationship with DHFL
  • Ask us to stop sending you marketing and promotional messages at any time.
  • Request for correction of any of your personal data that we hold about you, in case of any changes during your business relationship with us.
  • Object to your personal data being processed for a particular purpose or to request that we stop using your data.
  • Ask us to transfer a copy of your personal data to you or to another service provider or third party where technically feasible and otherwise required by applicable regulations.
  • Request, in writing, access to your personal data ("data subject access request"). This enables you to get a copy of the personal data we hold about you. We will endeavour to respond within a reasonable period of time and in any event within one month or in compliance with Data Protection Regulation as applicable free of cost unless such request is noticeably excessive. We will comply with our legal obligations as regards any individual’s rights as a data subject.
  • Request to erase/delete/remove your personal data except the data required for servicing you and to retain the data required under the applicable law of India;

If you would like to contact us for exercising any of the rights set out above, please contact us at response@dhfl.com.

To protect your privacy and security, we may take reasonable steps to verify your identity before providing you with the details.

Privacy Policy Notice

The contents or services mentioned on our website www.dhfl.com may be changed or amended in future and consequently this Privacy Policy Notice may also change. Any changes/amendment we may make to this Privacy Policy Notice in future will be posted on our website and where appropriate, notified to you by email. We recommend that you re-visit our website regularly and inform us if you do not agree to any of the terms mentioned here.

Disclaimer

Any use of this Website would expressly mean that you irrevocably accept all the terms and conditions of this Disclaimer. You are free not to accept the terms and conditions contained herein and in such an event, you are advised not to use or access this website in any manner.

Any person who is accessing or has accessed any information or data from this website acknowledges and agrees that all proprietary rights, statutory or otherwise, and the information received by such person shall remain the exclusive property of DHFL. Unless otherwise provided or agreed by DHFL in writing, any reproduction, distribution or transmission or modification, for consideration or otherwise, of any such information contained in this website is strictly prohibited and would constitute a breach of the laws of India.

You should exercise due caution and/or seek independent advice before you enter into any business relationship or financial obligation based on any information provided on this Website.

DHFL website may contain links to other websites that are operated by parties other than DHFL. DHFL is not responsible for the contents of any nature or information offered by any such linked website or any link contained in a linked website, irrespective of whether these Websites are operated by affiliates of DHFL or other third parties.

DHFL has endeavored to ensure that the content on this Website is accurate and up-to-date. In any event, you are advised to verify/check independently or with the respective source and obtain appropriate professional advice before acting on the information provided herein.

Notwithstanding anything contained elsewhere, you should make your own investigation of the contents provided, including the merits and risks involved and the legal consequences, independently. If the User requires an expert advice in relation to any legal or financial matter, you should consult an appropriate professional at your own cost before making any investment in any of the products or services offered by DHFL.

You agree that, upon registration with DHFL website, DHFL or any of its affiliates, or group companies may contact you to provide offers/ information of such products/services that they believe may benefit you.

DHFL does not warrant that this Website or functions thereof will be uninterrupted or free of any error or defect or that information on this Website will satisfy your purpose or requirement. DHFL does not warrant that the servers that make this Website available will be error, virus or bug free and you accept that it is your responsibility to make adequate provision for protection against such threats. Any change or amendment to this disclaimer, altering any of the provisions set out herein, may be made at the sole discretion of DHFL, without notice.

The improvement of this Website relating to the nature of information or data available is a continuous and ongoing process. DHFL does not assume or purport to assume any responsibility or liability for your failure or inability to use or access this Website for any purpose.

This Disclaimer and any use or access of this Website shall be governed by and constructed in accordance with the laws of India.