1. Privacy Policy
Dhani Finance Limited (“we”, “us” or “our”) respects the privacy of people who visit this website. This policy describes the general ways information may be collected and handled through the website and its enquiry features.
By using the website or voluntarily submitting information, you acknowledge that you have read this policy. Where consent is required by applicable law, we will seek that consent before processing the relevant information.
2. Information We Collect
Depending on the features you use and the information you choose to provide, we may collect:
- Contact information: name, mobile number, email address, and preferred contact method.
- Enquiry details: requested loan or financial product, requested amount, city, employment or business details, and other information entered into a form.
- Eligibility information: details such as a CIBIL/credit score or other information you voluntarily provide, if requested by a form.
- Technical information: basic browser, device, security, and usage information that may be processed by the website infrastructure or third-party services.
- Communications: messages and information you send to us by phone, email, WhatsApp, or other available channels.
Please do not submit passwords, OTPs, full payment-card details, or documents containing sensitive information unless a secure and clearly identified process specifically requires them.
3. How We Use Information
Information may be used, as applicable, to:
- receive, record, and respond to your enquiry;
- contact you about the product or service you requested;
- route an enquiry to a relevant lender, service provider, or authorised representative where appropriate and lawful;
- maintain records, prevent misuse, protect the website, and troubleshoot technical issues;
- meet legal requirements and handle complaints or disputes; and
- improve the website and customer experience.
We will not use information for a materially different purpose where applicable law requires additional notice or consent and that notice or consent has not been obtained.
5. Security and Retention
We use reasonable measures appropriate to the website and the information involved to help protect information against unauthorised access, loss, misuse, or alteration. No online transmission or storage system can be guaranteed to be completely secure.
Information should be retained only for as long as reasonably necessary for the purposes described in this policy, including applicable recordkeeping, legal, security, and dispute-resolution needs, and then deleted or anonymised where appropriate and lawful.
6. Your Choices and Requests
You may choose not to provide optional information, but some website features or enquiry services may then be unavailable. Subject to applicable law, you may request access to, correction of, or deletion of information you have provided, or ask questions about its use.
To make a privacy request, contact the website operator using the verified contact details shown on the website. Add a dedicated privacy email or postal address here before publication if one is available.
7. Terms and Conditions
7.1 Use of the Website
You agree to use this website lawfully and not to interfere with its operation, attempt unauthorised access, submit malicious code, or provide information that you know to be false or misleading.
7.2 Accurate Information
You are responsible for ensuring that the information you submit is accurate, current, and provided by you or with appropriate authority. Do not submit another person’s personal information without a lawful basis or permission where required.
7.3 No Guarantee of Approval
Submitting an enquiry does not constitute a loan application to a particular lender unless expressly stated, does not guarantee eligibility or approval, and does not guarantee any interest rate, fee, limit, or disbursement timeline. Any final offer is subject to the relevant lender’s assessment, verification, documentation, and terms.
7.4 No Professional Advice
Website content is provided for general information and enquiry purposes only. It should not be treated as financial, legal, tax, or investment advice tailored to your circumstances. Consider reviewing the terms of the actual lender or consulting a qualified professional before making a financial decision.
7.5 Intellectual Property
Unless otherwise stated, website text, layout, graphics, branding, and other materials are owned by or used with permission by their respective rights holders. You may not copy, republish, or commercially exploit them without appropriate permission, except as allowed by law.
7.6 Changes or Availability
Website features, information, and availability may change or be interrupted without notice. We may update these terms from time to time by posting a revised version on this page.
8. Enquiries, WhatsApp and Loan Decisions
If you choose a WhatsApp contact option, your device may open WhatsApp with a message prepared from information you selected or entered. Review the message before sending it. When you send it, WhatsApp will process the message under its own terms and privacy policy.
Saving an enquiry to a website database and sending a WhatsApp message are separate actions. A prepared WhatsApp message is not delivered until you press Send, unless a separately disclosed and authorised messaging integration is in use.
Do not treat this website as a lender unless the operator is in fact the lender and is authorised to represent itself as such. The identity of any lender, intermediary, agent, or service provider should be clearly disclosed where applicable.
9. Third-Party Services and Links
The website may use or link to third-party services such as Firebase/Google, WhatsApp, hosting providers, or lender websites. Those services are operated independently and may have their own terms, privacy notices, and security practices. Review their policies before using them.
We are not responsible for the content or practices of external websites that we do not control, subject to applicable law.
10. Disclaimers and Liability
To the extent permitted by applicable law, the website and its general information are provided on an “as available” basis. We do not warrant that the website will always be uninterrupted, error-free, or suitable for every purpose.
Nothing in these terms excludes or limits a right or liability that cannot lawfully be excluded or limited. Any other limitation of liability applies only to the extent permitted by applicable law.
11. Changes and Contact
We may update this combined Privacy Policy and Terms & Conditions when our website, data practices, or legal requirements change. The latest version and update date will be posted on this page.
Website operator: Dhani Finance Limited (please verify the exact registered legal name before publishing).
Contact: Use the verified phone number or email published on the official website. Add a dedicated support/privacy contact here before going live.
This page is a general template and is not legal advice. Have it reviewed for your actual business model, legal status, data collection, lender relationships, and applicable Indian law before publishing.