Privacy Policy of D Wealth Small Finance Pvt Ltd

Last Updated: June 18, 2026 

Nodal Officer / Grievance Redressal Officer — Quick Reference

Email: management@delhiwealthgroup.com | Phone: +91 92117 99577

Unresolved after 30 days? Escalate to RBI CMS: cms.rbi.org.in | Toll-free: 14448 

1. Introduction

This Privacy Policy (“Policy”) governs the collection, use, storage, disclosure, and protection of personal data by D Wealth Small Finance Private Limited (“DWSF”, “the Company”, “we”, “us”, or “our”), a Group entity of Delhi Wealth Group, in connection with its lending services.

This Policy applies to all users (“you”, “your”, “Data Principal”) who access our website at www.dwsfinance.com or who apply for, enquire about, or avail our facilitated finance products.

DWSF operates as a Lending Service Partner (Business Correspondent) under a First Loss Default Guarantee (FLDG) module, pursuant to a formal Lending Service Agreement with DMI Housing Finance Private Limited (the “Financing Partner”), a Housing Finance Company regulated by the National Housing Bank / Reserve Bank of India. In this capacity, DWSF facilitates Home Loans and Loans Against Property (LAP) on behalf of the Financing Partner, with a particular focus on serving individuals from the unorganised employment sector who often face access challenges with mainstream lenders.'

This Policy is published as an electronic record under the Information Technology Act, 2000 and the rules made thereunder, and is drafted in accordance with the Digital Personal Data Protection Act, 2023 (“DPDP Act”), the directions and guidelines issued by the Reserve Bank of India (RBI) applicable to Business Correspondents and Lending Service Providers, and other applicable Indian laws. By accessing this website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Policy.

2. Information We Collect

2.1 Personal Data You Provide

• Identity and Contact Information: Full name, date of birth, gender, contact details (mobile number, email address, residential and correspondence addresses), and identity documents (PAN, Aadhaar, Passport, or other government-issued identification).

• Financial Information: Bank account details, credit history, income proof, income tax returns, salary slips, Form-16, and details of existing loans or credit facilities.

• Property Documents: Sale deed, title documents, encumbrance certificates, and other documentation relating to the property offered as security, where applicable.

• Application and KYC Information: Information submitted in the loan application form and supporting documents required for Know Your Customer (KYC) verification under RBI guidelines.

2.2 Information Collected Automatically

• IP address, browser type, and operating system details.

• Website usage patterns, pages visited, and time spent on the website.

• Device information and unique device identifiers.

• Cookies and similar tracking technologies, as described in Section 10 below.

2.3 Information from Third Parties

• Information from credit bureaus (such as CIBIL) for assessment of creditworthiness.

• Verification details from references provided by you.

• Information from KYC Registration Agencies (KRAs) and other regulatory verification utilities.

• Information shared by our Financing Partner for the purpose of joint processing of your application.

2.4 Log Files

DWSF follows a standard practice of maintaining log files that record visits to the website. These log files include non-personally identifiable information such as IP addresses, browser type, internet service provider, and date/time stamps. This information is used solely for analysing trends, administering the website, and understanding user navigation patterns, and is not linked to any personally identifiable information.

3. Purpose and Use of Information

3.1 Primary Business Purposes

• Facilitation of Loan Applications: Assessing your eligibility for Home Loans and Loans Against Property, and forwarding your application and supporting documents to our Financing Partner, DMI Housing Finance Private Limited, for credit evaluation and decisioning.

• Credit and Risk Assessment Support: Assisting in the evaluation of creditworthiness, income stability, and the legal and technical aspects of the property offered as collateral, in support of the Financing Partner's underwriting process.

• Loan Servicing Support: Supporting post-disbursement activities such as collection of EMIs and customer service, strictly within the scope authorised under the Lending Service Agreement with the Financing Partner.

• Identity Verification: Conducting KYC and identity verification as mandated under applicable RBI and Prevention of Money Laundering Act (PMLA) requirements.

3.2 Secondary Purposes

• Communicating with you about the status of your application and our services.

• Complying with legal, regulatory, and statutory obligations under Indian law, including those prescribed by the RBI and the National Housing Bank (NHB).

• Fraud prevention, risk management, and security enhancement.

DWSF does not use your personal data for any purpose beyond what is necessary for loan facilitation, servicing support, and legal compliance, and does not engage in unrelated commercial use of your data.

4. Legal Basis and Consent

Your explicit, informed consent is the primary basis on which DWSF processes your personal data. Consent is obtained through electronic acceptance on our website, physical or digital signature on application forms, or other affirmative action indicating your agreement. Wherever required under the DPDP Act, consent requests are presented in clear and plain language, independent of other unrelated matters, and you have the ability to access such requests in English or other languages as may be made available.

You may withdraw your consent at any time by contacting our Nodal Officer / Grievance Redressal Officer using the details provided in Section 9. Please note that withdrawal of consent will not affect the lawfulness of processing carried out prior to such withdrawal, and may affect our ability to continue processing your loan application or to provide ongoing servicing support.

Certain processing under this Policy may also be carried out on the basis of “legitimate uses” recognised under the DPDP Act, including compliance with legal obligations, and for the purpose for which you have voluntarily provided your personal data and have not indicated that you do not consent to its use.

5. Sharing and Disclosure of Information

5.1 Authorised Sharing

• Financing Partner: DMI Housing Finance Private Limited, as the regulated Housing Finance Company under whose Lending Service Agreement DWSF operates, for the purpose of credit assessment, sanction, disbursement, and loan servicing.

• Credit Bureaus: Credit information companies such as CIBIL, for credit assessment and statutory credit reporting.

• Service Providers: Legal advisors, technical and legal valuators, collection agencies, and technology service providers, each engaged under binding confidentiality and data protection obligations, and only to the extent necessary to perform their function.

• Regulatory and Statutory Authorities: The Reserve Bank of India, the National Housing Bank, tax authorities, courts, and law enforcement agencies, where required by applicable law, regulation, or a valid legal process.

5.2 Prohibited Activities

DWSF does not sell, rent, or trade your personal data to any third party for commercial gain. Data is shared only as set out in this Section 5 and strictly for the purposes described in Section 3.

6. Data Security

DWSF implements reasonable security practices and procedures, in line with the requirements of the Information Technology Act, 2000 and applicable RBI guidelines, to protect personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption of sensitive data, secure server infrastructure, role-based access controls, and periodic security reviews.

While DWSF takes reasonable steps to protect your data, no method of electronic transmission or storage is entirely secure, and you acknowledge this inherent limitation when sharing information with us online.

7. Data Retention

Personal data is retained only for as long as necessary to fulfil the purposes described in this Policy, or for such period as may be required under applicable law, including RBI and NHB guidelines, the Prevention of Money Laundering Act, 2002, and other statutory record-retention requirements. Upon expiry of the applicable retention period, personal data is securely deleted or anonymised, except where continued retention is required for the resolution of disputes, legal proceedings, or regulatory obligations.

8. Your Rights as a Data Principal (Under the DPDP Act, 2023)

As a Data Principal under the DPDP Act, 2023, you have the following rights in relation to your personal data, subject to the conditions and exceptions prescribed under the Act:

• Right to Information: To obtain a summary of the personal data being processed and the processing activities undertaken.

• Right to Correction and Erasure: To request correction of inaccurate or incomplete personal data, and erasure of personal data that is no longer necessary for the purpose for which it was collected, subject to our legal retention obligations.

• Right to Grievance Redressal: To raise a grievance regarding the processing of your personal data, as detailed in Section 9 below.

• Right to Nominate: To nominate another individual to exercise these rights on your behalf in the event of death or incapacity.

Requests in relation to the above rights may be submitted to our Nodal Officer / Grievance Redressal Officer using the contact details in Section 9. We will respond within the timelines prescribed under the DPDP Act and applicable rules.

9. Grievance Redressal

In accordance with the DPDP Act, 2023 and applicable RBI guidelines on outsourcing of financial services and digital lending — which require Regulated Entities and their Lending Service Providers / Business Correspondents to display Nodal Officer and Grievance Officer details prominently on their website and Digital Lending App (DLA), where applicable — DWSF has designated a Nodal Officer / Grievance Redressal Officer to address queries and complaints relating to this Policy and the processing of your personal data. The complete grievance redressal mechanism, including escalation timelines and the escalation matrix, is set out in DWSF's separate Grievance Redressal Policy, a summary of which is provided below.

9.1 Nodal Officer / Grievance Redressal Officer

Designation: Nodal Officer / Grievance Redressal Officer, D Wealth   Small Finance Private Limited

Email: management@delhiwealthgroup.com

Phone: +91 99111 18103

Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi -   110085

Working Hours: Monday to Saturday, 10:00 AM to 6:00 PM (excluding public holidays)

9.2 Resolution Timeline

Every complaint received will be acknowledged within 3 working days, with a unique complaint reference number issued for tracking. DWSF will endeavour to resolve the complaint within 30 calendar days from the date of receipt.

9.3 Escalation Matrix

If a complaint remains unresolved beyond 30 calendar days, or if you are dissatisfied with the resolution provided, the following escalation path applies:

1. Level 1 — Nodal Officer / Grievance Redressal Officer, D Wealth Small Finance Private Limited (contact details above).

2. Level 2 — Grievance Redressal Officer / Principal Nodal Officer, DMI Housing Finance Private Limited (the Financing Partner), as DWSF operates as the Financing Partner's Lending Service Partner / Business Correspondent under the Lending Service Agreement.

3. Level 3 — Reserve Bank of India, Complaint Management System (CMS), accessible at cms.rbi.org.in, or via the RBI Contact Centre toll-free number 14448, under the Reserve Bank — Integrated Ombudsman Scheme, 2021. A complaint may be escalated directly to the RBI if it has remained unresolved for more than 30 days from the date of filing with DWSF or the Financing Partner.

Complete details of the grievance redressal process, including timelines, responsibilities, and the full escalation matrix, are set out in DWSF's Grievance Redressal Policy, available on request and published on our website.

10. Cookies and Third-Party Advertising

Our website may use cookies and similar tracking technologies to enhance user experience and analyse website traffic. You may control or disable cookies through your browser settings; please note that disabling cookies may affect certain website functionality.

DWSF may engage third-party advertising partners. Such partners may independently use cookies or web beacons on our website, over which DWSF exercises no control. The privacy practices of such third parties are governed by their own privacy policies, and this Policy does not extend to or govern the practices of any third-party website or service.

11. Children's Privacy

Our services are intended only for individuals who are at least 18 years of age and legally competent to enter into a contract under the Indian Contract Act, 1872. DWSF does not knowingly collect personal data from minors. If we become aware that personal data has been collected from a minor without appropriate parental or guardian consent as required under the DPDP Act, we will take steps to delete such information promptly.

12. Updates to this Policy

DWSF reserves the right to amend or update this Policy from time to time to reflect changes in legal, regulatory, or operational requirements. Material changes will be communicated through a notice on our website or via email, where appropriate. The “Effective Date” at the top of this Policy indicates when it was last revised. Continued use of our website or services after such changes constitutes acceptance of the revised Policy.

13. Cross-Border Data Transfer

DWSF does not, as a matter of present practice, transfer personal data outside India. In the event any future transfer of personal data outside India becomes necessary, such transfer will be carried out strictly in accordance with the requirements of the DPDP Act, 2023 and any rules, notifications, or restrictions issued by the Central Government in this regard.

14. Governing Law and Jurisdiction

This Policy is governed by the laws of the Republic of India. Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts at New Delhi, India.

15. Contact Information

For any queries regarding this Policy or our data practices, please write to us at:

Entity: D Wealth Small Finance Private Limited

Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi -   110085

Email: customercare@dwsfinance.com

Website: www.dwsfinance.com

16. Acknowledgment

By engaging our services or using our website, you acknowledge that you have read, understood, and agree to this Privacy Policy, and you consent to the collection, use, and disclosure of your personal data as described herein.