We express our sincere gratitude for your selection of DhamCash by YASHODHAM MERCHANTS PRIVATE LIMITED. Assuring the security and respect for your personal data stands as our foremost priority. The ensuing Privacy Policy delineates our approaches towards the accumulation, application, conservation, and distribution of your personal information.
Throughout this document, the terms “we” and “our” are used interchangeably to denote the collective entity of YASHODHAM MERCHANTS PRIVATE LIMITED and DhamCash.
The purpose of this policy is to inform you about our protocols concerning personal data on mobile platforms. We advise you to carefully examine the following to understand our data handling procedures.
1. Detailed Introduction to Loan Provider
Provider Identification: YASHODHAM MERCHANTS PRIVATE LIMITED
CIN: U51909MH1993PTC281069
Email Query:
Address: 4th Floor, 16 Netaji Subhas Road Kolkata, West Bengal, 700001 India
2. Cookie and Comparable Technologies Usage
Our application utilizes Cookies and comparable technologies to enhance your user experience, tailor our services to your preferences, and conduct analytical assessments. You have the flexibility to accept or decline Cookies based on your preferences. Please be advised, however, that opting to reject Cookies might limit your access to certain functionalities and services offered by our app.
3. Personal Information Collection and Use
The types of personal information we may collect and process include:
Personal Identifiers: Such as your full name, residential address, email, and contact number, for identification and communication.
Technical Specifications of Your Device: Including the model of your device, the operating system it runs on, and its unique identifiers, to better our products and conduct statistical research.
Operational and Error Logs: Information on your usage of our products and services, including any logs of operations and errors, to enhance our product offerings and provide support.
Location Data: With your consent to use location services, we collect information about your current location to offer and optimize services based on your geographical position.
Additional Personal Details: Any other information you provide during your use of our products and services.
Methods of Data Collection
Our methods for collecting your personal information include:
Direct submissions from you.
Automated collection during your use of our loan application.
Acquisition from third-party collaborators for identity verification and financial assessment purposes.
To safeguard against financial fraud and assess your loan eligibility accurately during the KYC (Know Your Customer) process, we require permissions related to your device, including access to your camera, photo album, and contacts.
4. Intended Use of Personal Information
Your personal information is collected and used for the following reasons:
To ensure the provision of requested products and services, and to continuously improve their quality and efficacy.
To manage and respond to your feedback or complaints, and to facilitate communication.
To extend personalized service recommendations and customized experiences.
To perform market research and statistical analyses aimed at enhancing our service offerings.
To fulfill legal and regulatory requirements, thereby protecting the rights and interests of both you and us.
5. Device Permission Requirements
For users intending to apply for a loan in entirety through our application, it is imperative to agree to the following permissions on their devices:
Camera Permissions: Our application requires access to your device’s camera to take photographs or videos, necessary for verifying your identity and safeguarding against financial fraud.
Location Permissions: We must be allowed to access your location to ascertain if our loan services are available in your area. Loan services are confined to certain regions, and eligibility is contingent upon location confirmation.
Contact Access: Granting access to your address book enables our application to verify if the contacts adhere to India’s local regulations and to check for patterns that could indicate financial fraud or elevate credit risk.
Be assured that any data collected for the purpose of assessing loan eligibility will be automatically purged post-assessment, with no permanent storage of such data.
6. Comprehensive Personal Information Protection Measures
Our dedication to the security of your personal information is unwavering. We employ a holistic strategy that combines the latest in technical defenses with rigorous management policies to safeguard your personal data's safety, integrity, and privacy.
Leveraging top-tier encryption technology stands as a cornerstone of our data protection strategy, effectively securing your personal information against unauthorized access and cyber threats.
We enforce a strict limitation on who can access personal information, ensuring it is confined to personnel who have passed extensive security clearances. Their access rights are carefully managed and regularly reviewed to prevent data misuse.
Our proactive stance on security involves frequent assessments and updates to our data storage systems, ensuring they meet the highest standards of security and are resilient against unauthorized intrusion.
A pivotal aspect of our data protection strategy is our privacy protection training program for employees. This program is comprehensive, covering the latest data protection laws, ethical handling of personal information, and best practices in privacy security, thereby cultivating a strong culture of privacy awareness within our organization.
7. Updates to Privacy Agreement
To stay in compliance with national legislation and our own evolving practices regarding personal information, we may from time to time make amendments to this privacy agreement. Should any significant changes occur, we will inform you through established communication methods.
8. Personal Information Sharing Controls
Your personal information remains under strict confidentiality, protected from being sold, traded, or disclosed to third parties unless such actions are predicated upon your consent or legal necessity. Should circumstances necessitate the sharing or transferring of personal data, our protocol demands strict compliance with legal standards and adherence to the principles outlined in this Privacy Policy, with effective measures deployed to secure your information.
9. Inquiries and Feedback
Should you have any questions, feedback, or concerns about this Privacy Agreement or how we handle your personal data, please do not hesitate to contact us via:
The Name of Company: YASHODHAM MERCHANTS PRIVATE LIMITED
CIN: U51909MH1993PTC281069
Email:
Postal Address: 4th Floor, 16 Netaji Subhas Road Kolkata, West Bengal, 700001 India
Before making use of our products and services, we urge you to read and fully grasp the contents of this Privacy Agreement. Should any queries arise about the agreement's details, our contact lines are always open for your inquiries.
