Privacy Policy

At DhanRaahi, protecting your personal information is a fundamental responsibility we take seriously. This Privacy Policy describes the categories of information collected through the DhanRaahi mobile application ("App"), the purposes for which such information is used, the safeguards in place to protect it, and the rights available to you as our user.

Your continued use of the App signifies that you have read and agreed to the terms outlined in this Policy. Should you disagree with any part of these terms, we ask that you uninstall the App from your device. Please also refer to our Terms of Service, which together with this Policy governs your relationship with our platform.

DhanRaahi is brought to you by. For any inquiries relating to this Policy, feel free to reach us at support@dhanraahi.com.

In order to confirm your identity and establish your account, we collect details such as your full legal name, date of birth, phone number, email address, and government-issued ID particulars. All such information is transmitted through encrypted channels and stored securely at:

This data is used exclusively for the purposes of identity verification, account setup, and compliance with applicable regulations. Under no circumstances is it sold to outside parties.

Certain technical information is automatically gathered from your device when you use the App, including device model, manufacturer, operating system version, IP address, and Google Advertising ID. This data is used solely to ensure App reliability and platform security — it plays no role in advertising targeting or credit assessments.

For the purpose of device integrity checks, the App may collect limited technical metadata — such as package identifiers and installation dates — from other applications installed on your device. The contents, user accounts, or activity within those apps are never accessed. This metadata is used purely to identify potentially compromised device environments and has no influence on any credit-related determinations.

When you are required to submit identity documents, the App may ask for camera access. All captured images are encrypted prior to being transmitted to server.dhanraahi.com and are permanently removed once the verification process concludes. The camera is never used in the background, and no images are stored beyond the scope of verification.

Subject to your consent, the App may collect approximate (coarse) location information to verify whether our services are available in your region. We do not gather precise GPS coordinates, and location data is never applied to advertising, user profiling, or credit evaluation.

We collect anonymized information about how you navigate the App — including screens accessed, session duration, and crash reports — in order to enhance overall performance and the user experience. This data is fully anonymized and has no impact on credit decisions or your account status.

Your data is processed strictly for legitimate and clearly defined purposes, which include:

• Verifying your identity and assessing eligibility prior to account approval
• Administering your credit facility and handling financial transactions
• Detecting and preventing fraudulent activity to safeguard our platform
• Addressing customer support queries and resolving user concerns
• Enhancing App functionality, resolving technical issues, and refining our offerings
• Meeting all relevant legal, statutory, and regulatory obligations

You retain the right to decline specific permissions. While doing so may restrict access to certain App features, it will not affect your ability to use your account in general. If a particular permission is declined, we will not access or rely on that data source.

We do not sell, lease, or exchange your personal information with any third party for commercial gain. Disclosure of your data occurs only when strictly required, and solely to the following categories of recipients:

• Accredited identity verification service providers responsible for confirming your documentation
• Technology and infrastructure partners who facilitate secure data storage and processing
• Governmental, regulatory, or judicial authorities when disclosure is mandated by law or court order

All third-party partners operate under binding confidentiality agreements and are required to maintain security standards consistent with industry best practices. They are prohibited from using your information for any purpose beyond the specific services rendered to DhanRaahi.

We implement robust, industry-aligned security measures to protect your information throughout its entire lifecycle — from initial collection through to final deletion. Our protections include:

• Full encryption of data in transit via TLS/HTTPS protocols
• Strict role-based access controls limiting sensitive data visibility to authorized staff only
• Periodic independent security audits and penetration testing exercises
• Continuous system monitoring with automated detection and alerting for anomalous activity

Access to sensitive user data is restricted to personnel with a verified operational need, and all access events are logged and subject to audit review. While we apply these comprehensive measures, no data transmission over the internet can be guaranteed entirely secure. Should you suspect any unauthorized access to your information, please contact us without delay at support@dhanraahi.com.

Your personal information is retained only for the period necessary to accomplish the purposes described in this Policy or to satisfy applicable legal, regulatory, or contractual requirements.

Upon closure of your account and expiry of all mandatory retention periods, your data is either permanently deleted or irreversibly anonymized. The specific retention duration varies according to the type of data involved and the governing regulatory framework applicable to it.

DhanRaahi is intended solely for individuals who are 18 years of age or older. We do not knowingly collect or process personal data from anyone below the age of 18. Our identity verification procedures are specifically designed to restrict minors from gaining access to the platform.

In the event that we become aware of personal information belonging to a minor having been collected, we will promptly delete it and terminate the associated account. If you have reason to believe that a minor has registered with our service, please inform us immediately at support@dhanraahi.com.

As a DhanRaahi user, you are entitled to exercise the following rights with respect to your personal data:

• Access: Submit a request to receive a copy of the personal information we hold on your behalf
• Correction: Ask us to update or rectify any data that is inaccurate, outdated, or incomplete
• Deletion: Request that we erase your data where no legal obligation compels us to retain it
• Withdrawal of consent: Where our processing is founded on your consent, you may revoke that consent at any point

To exercise any of the above rights or to raise questions about our data handling practices, please get in touch with our support team:

We will address all verifiable requests within a reasonable period and in accordance with applicable legal requirements. To protect your data, we may ask you to verify your identity before acting on your request.

This Policy may be revised periodically to reflect developments in our services, shifts in applicable legislation, or evolving regulatory requirements. When significant changes are introduced, we will provide advance notice through the App or via email before those changes come into effect.

Minor clarifications or edits that do not materially affect your rights may be made at any time without prior notification. The "Last updated" date displayed at the top of this page will always indicate the date of the most recent revision. Continuing to use the App following any update constitutes your acceptance of the revised Policy.

If you have any questions, feedback, or formal requests regarding this Privacy Policy or the way in which your personal data is handled, our dedicated support team is here to assist you.