1. What this policy covers

This policy explains how Dhanvikash Capital collects, uses, stores and shares personal information when you use this website, use the EMI calculator or eligibility tool, or submit a loan application.

2. Information we collect

• Information you provide directly: name, contact details, date of birth, income, employment details, and — if you proceed with an application — identity and address proof, income proof, bank statements and similar documents.
• Information from your use of the site: the values you enter into the EMI calculator or basic eligibility check (used only to display a result to you in your browser; see below), pages visited, and standard technical data such as browser type and IP address.
• Information from third parties: if you proceed with a formal application, we may — with your consent — receive information from credit information companies (such as CIBIL, Experian, Equifax or CRIF High Mark), banks, or KYC/identity verification services.

3. The EMI calculator and eligibility check

The numbers you enter into the EMI calculator and the basic eligibility check on this website are processed in your own browser to show you a result — this demo does not transmit those specific inputs to a server or store them. If this changes in a live deployment (for example, to save your progress), that must be disclosed here and consented to separately.

4. How we use your information

• To assess a loan application, including credit assessment and document verification.
• To communicate with you about your application, account, or website usage.
• To comply with legal, regulatory and audit requirements applicable to lenders in India.
• To improve this website's functionality and content.

We do not sell your personal information to third parties for marketing purposes.

5. Sharing your information

We share information only where necessary: with credit information companies (with your consent, for a formal application), with identity/KYC verification providers, with regulators where legally required, and with service providers who process data on our behalf under contractual confidentiality obligations.

6. Data security

We use industry-standard technical and organisational measures — including encrypted connections — to protect your information. No method of transmission or storage is 100% secure, and we encourage you to keep your own credentials and devices secure as well.

7. Data retention

We retain personal information only for as long as necessary to fulfil the purposes described in this policy, or as required by applicable law and regulatory record-keeping requirements for lenders.

8. Your rights

Subject to applicable law, you have the right to access, correct, or request deletion of your personal information, and to withdraw consent for future processing (which may affect our ability to process an active application). To exercise these rights, contact [add your designated Grievance Officer / Data Protection contact email].

9. Cookies

This website may use cookies to remember basic preferences and understand aggregate usage. You can control cookies through your browser settings; disabling them may affect some site functionality.

10. Children's privacy

This website is not directed at individuals under 18, and we do not knowingly collect personal information from minors.

11. Changes to this policy

We may update this policy from time to time. The "last edited" date at the top of this page reflects the most recent revision.

12. Contact

For privacy-related questions or requests, contact our Grievance Officer at [add name, email and phone number].