Privacy Policy of D Wealth Small Finance Pvt Ltd

Last Updated: October 10, 2025 

1. Introduction

This Privacy Policy ("Policy") governs the collection, use, storage, disclosure, and protection of personal data by D Wealth Small Finance, a business division of D Wealth Services Private Limited (the "Company," "we," "us," or "our").

This Policy applies to all users ("you," "your," "Data Principal") who access our website at https://dwsfinance.com or apply for our personal finance products. As a lending platform providing Affordable Housing Loans and Loan Against Property through co-lending partnerships compliant with RBI guidelines, we are committed to protecting your privacy in accordance with all applicable Indian data protection laws.

This Policy is an electronic record under the Information Technology Act, 2000, the Digital Personal Data Protection (DPDP) Act, 2023, and relevant global regulations where applicable. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.

2. Information We Collect

2.1 Personal Data

We collect data necessary to process your loan application:

• Basic Personal Information: Full name, date of birth, gender, contact details (mobile number, email, addresses), and identity proof (PAN, Aadhaar, Passport).
• Sensitive Personal & Financial Data: Financial information (bank account details, credit history, income tax returns, salary slips, Form-16), property documents (sale deed, title documents, encumbrance certificates), and details of existing loans.

2.2 Automatically Collected Information

• IP address, browser type, operating system details.
• Website usage patterns, pages visited, time spent on site.
• Device information and unique identifiers.
• Cookies and similar tracking technologies data.

2.3 Third-Party Information

• Information from credit bureaus (like CIBIL), financial institutions, and KYC Registration Agencies (KRAs).
• Verification details from references provided by you.

2.4 Log Files

DWS Finance follows a standard procedure of using log files. These record visitors to our website and include non-personally identifiable information such as IP addresses, browser type, ISP, and date/time stamps. This data is used for analyzing trends, administering the site, and tracking user movement.

3. Purpose and Use of Information

3.1 Primary Business Purposes

• Loan Application Processing: Assessing your eligibility for Affordable Housing Loans and Loan Against Property.
• Credit & Risk Assessment: Evaluating your creditworthiness, income stability, and the legal & technical aspects of the property offered as collateral.
• Loan Facilitation: Preparing and submitting your application to our co-lending partner Housing Finance Companies (HFCs) and NBFCs.
• Loan Servicing: Managing loan disbursement, collection of EMIs, and providing post-disbursement services.

3.2 Secondary Purposes

• Communicating about our services, new products, and promotional offers.
• Complying with legal and regulatory obligations under Indian law (RBI, NHB, etc.).
• Fraud prevention and security enhancement.

4. Consent

Your explicit consent is the primary legal basis for processing your personal data. Consent is obtained via electronic acceptance on our website, physical signatures on application forms, and continued use of our services. You may withdraw consent at any time by contacting our Grievance Officer, though this may impact our ability to provide or continue our services.

5. Sharing and Disclosure of Information

5.1 Authorized Sharing

We may share your personal data with:

• Co-lending Partners: Our partner HFCs and NBFCs for joint processing and funding of your loan.
• Credit Bureaus: For credit assessment and reporting as per regulatory requirements.
• Service Providers: Legal advisors, technical valuators, collection agencies, and technology partners under strict confidentiality agreements.
• Regulatory Authorities: RBI, NHB, tax authorities, and law enforcement agencies as required by law.

5.2 Prohibited Activities

We will never sell your personal data to third parties for commercial gain or share it with unauthorized entities.

6. Data Security

We implement reasonable security practices as mandated by Indian law, including encryption, secure servers, access controls, and regular security audits to protect your data from unauthorized access or breaches.

7. Data Retention

Personal data is retained only for the duration necessary to fulfill the purposes specified in this Policy or as required by applicable laws (e.g., RBI/NHB guidelines, Prevention of Money Laundering Act).

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

You have the right to information, correction, erasure, and grievance redressal regarding your personal data. You may also appoint a nominee to exercise these rights on your behalf.

9. Grievance Redressal

In accordance with the DPDP Act, 2023, our appointed Data Protection Officer is:

• Name: Manoj Kumar
• Designation: Director
• Email: manoj@delhiwealthgroup.com
• Phone: 9911118103
• Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi - 110085

10. Advertising & Third-Party Policies

DWS Finance may partner with third-party advertisers. These partners may use cookies or web beacons, over which we have no control. Their privacy policies govern their data collection practices. Our policy does not apply to other advertisers or websites.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

12. Updates to this Policy

We reserve the right to modify this Policy. Material changes will be communicated via email or posted on our website. Continued use of our services implies acceptance of the revised Policy.

13. International Data Transfers

Currently, we do not transfer personal data outside India. Any future transfers will comply with prescribed Indian data protection laws.

14. Contact Information

For any queries, please contact:

• D Wealth Services Private Limited
• Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi - 110085
• Email: customercare@dwsfinance.com
• Website: https://dwsfinance.com

15. International & Foreign Resident Data Protection Rights

For users residing in jurisdictions like the EEA (under GDPR) or California (under CCPA), you are entitled to rights such as access, rectification, erasure, and data portability. To exercise these rights, please contact us. Requests will be honored in accordance with applicable law.

16. Governing Law and Jurisdiction

This Policy is governed by the laws of the Republic of India. Disputes shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

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