This policy covers the Dhanam One mobile app. For our website and general
customer policies, see Policies.
Dhanam Investment and Finance Private Limited is a non-banking financial company registered
with the Reserve Bank of India, incorporated in 2016, with its registered office in Coimbatore,
Tamil Nadu. CIN U65900TZ2016PTC031308.
What we collect
Information you give us
- Mobile number — your sign-in identifier and where your one-time password is sent.
- Name — to identify you and address you correctly.
- Email address — optional, for correspondence.
- PAN — to link your verified number to your existing customer record, and because KYC requires it.
- Date of birth, address and identity documents — KYC obligations that apply to us as an NBFC.
- Bank account details — to disburse a loan or collect a repayment.
- Anything you type into an enquiry or request — so we can act on it.
Information collected automatically
- Screen names and app events, through Firebase Analytics. No personal
information is included — never your PAN, Aadhaar, phone number, name, account number or any amount.
- Crash reports and performance data, to find and fix faults.
- A device identifier used by Firebase, for the above.
We do not use the advertising identifier. The app contains no advertising
software, and advertising-ID collection is switched off in the build.
Location — employees only
If you are a Dhanam employee using the workplace features of this app, we record your location
at the single moment you mark attendance or complete a field visit, so your branch
can confirm where it happened.
- We do not track your location in the background, or between those actions.
Background location is disabled in the app itself.
- If you are a customer, we never ask for your location and the app never
requests the permission.
Biometrics
If you turn on fingerprint or face unlock, that check happens entirely on your device using your
phone's own security system. We never receive, see or store your fingerprint or face data.
What we do not collect
Your contacts, photos, files, calendar, SMS or call logs, microphone, health data, or your
browsing history outside this app.
Why we use it
- To provide the services you ask for.
- To meet obligations that apply to us as an RBI-registered NBFC — KYC, record-keeping,
credit reporting and regulatory returns.
- To contact you about your accounts and requests.
- To detect and prevent fraud.
- To understand which parts of the app are used, so we can improve them.
We do not sell your personal data, and we do not share it with data brokers
or advertisers.
Who we share it with
- Credit information companies (CIBIL, CRIF High Mark, Experian, Equifax) —
loan and repayment records, as the RBI requires of every lender.
- The Reserve Bank of India and other regulators — as required by law.
- Service providers acting for us — KYC verification, electronic signature,
payments, SMS delivery, analytics and cloud hosting. They act on our instructions and may not
use your data for their own purposes.
- Courts and law enforcement, where legally compelled.
How long we keep it
We keep your personal data for as long as you hold an account with us, and afterwards for as
long as the law requires. As an NBFC we are obliged to retain loan, KYC and transaction records
for periods set by the Reserve Bank of India and the Income Tax Act, and those obligations
continue after an account is closed.
Your rights
Under the Digital Personal Data Protection Act you may:
- See the personal data we hold about you.
- Correct it — from Profile in the app, or through your branch.
- Ask us to erase it — from Profile › Close My Account in the app.
- Withdraw a consent you have given — from Profile › My Consents.
- Complain to us, and then to the Data Protection Board.
Closing your account
You can ask us to close your account from inside the app, at
Profile › Close My Account. You can also ask by writing to
contact@dhanam.finance or through your branch.
When you do:
- Your sign-in is closed and you can no longer use the app.
- We stop sending you marketing messages.
- Records of any loan, deposit or locker you have held stay with us for as long as
the law requires. We are not able to delete these, and we will tell you plainly what
is being kept.
- If you still have an active loan, deposit or locker, we will contact you before anything
is closed.
Keeping your information safe
Data is encrypted in transit. Access is restricted to staff who need it for their work and is
logged. We are required to report certain personal-data breaches, and we will.
Children
This app is not intended for anyone under 18, and we do not knowingly collect data from children.
Changes to this policy
We will post any change on this page and, where the change is significant, tell you in the app.
Contact us
For any question about this policy or your data, or to raise a grievance:
- Email: contact@dhanam.finance
- Phone: +91 73050 22272
- Grievance Redressal Officer & Nodal Officer: Mr. A Gopinath
- Address: Door No. 22/3, Nehru Nagar, 2nd St, Behind CMS School,
Ganapathy, Coimbatore 641006
Our full three-level grievance process, including escalation to the RBI Integrated Ombudsman,
is set out under Policies.
