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
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
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
Upon request, we will remove/block your personally identifiable information from our database, thereby
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.
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
In general, when you visit our
Upon request, we will
We will take appropriate steps to protect your privacy in relation to your use of our Site. This Site may provide links to
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.
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.
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.
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.
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.
We may collect, store, and use any or all of the following categories of personal data / information about you:
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.
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:
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.
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/ information | Purpose of usage |
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To provide service, manage your account(s) and our relationship with you. |
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To address enquiries and/or complaints. |
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To provide you statements and other information about your account or to maintain our relationship. |
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To provide our services. |
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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. |
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To develop our business strategies. |
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To contact you (by post, phone, text, email and/or other digital modes), for the purpose of:
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To collect any debts |
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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. |
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To assess any application you make, including carrying out fraud, money laundering, identity, sanctions screening and any other regulatory checks. |
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To record and analyse phone calls and/or any other communications between you and us. |
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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. |
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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. |
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To share your personal data/information information with our service providers/vendors. |
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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.
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:
For further information you are requested to refer our product specific terms and conditions and application form.
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.
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.
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.
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.
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.
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.
Under certain circumstances, by law you have the right to:
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.
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.
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.
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