Privacy Policy • Dhanwaan

1. Introduction

Welcome to Dhanwaan, a fintech savings platform operated by Sumangalam Credit Society. We are committed to protecting your privacy and ensuring transparency in how we handle your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you access or use our Dhanwaan app or website (https://dhanwaan.in). By using Dhanwaan, you consent to the terms outlined in this Privacy Policy.

2. Information We Collect

a. Personal Information

Full Name
Email Address
Mobile Number
Date of Birth
Residential Address
Location details (for KYC verification and regulatory compliance)

b. KYC & Financial Information

Aadhaar / PAN details (as required for verification)
Bank account details (for deposits and withdrawals)
Transaction records, including savings and loan activity

c. Device & Technical Data

Device type, IP address, and browser type
App usage logs and crash analytics
Cookies and similar technologies for improving user experience

3. How We Use Your Information

Verify identity and complete KYC processes
Enable secure savings and deposits
Provide customer support and respond to queries
Send important updates, transaction alerts, and notifications
Improve our app, website, and services
Comply with legal, financial, and regulatory requirements

4. Data Storage and Security

We implement industry-standard security measures to protect your personal data. All sensitive data such as KYC and banking details are encrypted and stored on secure servers. Only authorized personnel of Sumangalam Credit Society have access to this data for legitimate business purposes.

5. Sharing of Information

We do not sell or rent your personal data. However, we may share your data with:

Authorized banking partners and financial institutions
Regulatory authorities (as required by Indian law)
Verified third-party service providers (for KYC, SMS, or analytics)

All partners are bound by confidentiality and data protection agreements.

6. Your Rights

Access, update, or correct your personal information
Withdraw consent for data processing (subject to legal and contractual limitations)
Request deletion of your account and associated data

To exercise these rights, contact us at care@dhanwaan.in.

7. Data Retention

We retain your personal data for as long as necessary to fulfill regulatory, operational, and legal obligations. Once retention is no longer required, data will be securely deleted or anonymized.

8. Cookies and Tracking

Our website and app may use cookies to enhance your browsing experience. You can disable cookies through your browser settings, though certain features may become limited.

9. Third-Party Links

Our app or website may contain links to third-party services. We are not responsible for their privacy practices or content. We recommend reviewing their respective privacy policies before sharing any personal information.

10. Updates to This Policy

We may update this Privacy Policy periodically to reflect operational or legal changes. All updates will be posted on our website and app with a revised “Effective Date.”

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

📩 Email: care@dhanwaan.in
🏢 Address: Sumangalam Credit Society, Dehradun, Uttarakhand, India