Privacy Policy

1. Information we collect

• Account details: name, email, mobile number, password hash, DSA code, referral source, verification status, and account preferences.
• Profile and KYC details: date of birth, gender, PAN, Aadhaar information where required, address, PIN code, district, state, occupation, income, bank, business, property, nominee, and related details.
• Applications and documents: selected product, requested amount, eligibility answers, forms, photographs, identity records, income records, bank statements, tax records, property records, and other documents required for a chosen service.
• Transactions and service activity: application journey, provider response, credit points, payments, payout records, recharge or bill-payment details, transfer references, verification results, and support tickets.
• Communications: chat messages, replies, attachments, email choices, announcements read, support messages, and call or WhatsApp details you choose to provide.
• Technical and security data: IP address, date and time, browser, device, operating system, app source, session, login attempts, security events, and diagnostic logs.

2. How information is collected

Information can come directly from you, from a DSA Agent acting with your permission, from a secure referral or registration link, from documents you upload, from your use of the website or app, and from a provider or authorized service partner handling your request. Where a regulated check needs separate consent, that consent should be collected in the relevant service journey.

3. How we use information

• Create, verify, secure, and support customer and DSA accounts.
• Save customer profile information and prefill it into an application selected by the customer.
• Assess basic eligibility, collect required data and documents, route a request, and display application progress.
• Connect a customer with the assigned DSA Advisor and enable chat, notifications, document requests, and support.
• Operate loans, accounts, cards, Demat or trading, insurance, taxation, recharge, bill payment, money transfer, DMT, AePS, verification, offers, and other enabled service journeys.
• Process payments, credit-point deductions, refunds where applicable, DSA payouts, reconciliation, and transaction records.
• Prevent fraud, enforce security, investigate misuse, maintain audit trails, and comply with legal obligations.
• Send essential account and service messages and, where permitted, optional product or marketing updates selected in notification settings.

4. Who may receive information

We share only the information reasonably needed for an account, selected service, security, support, or legal purpose. Recipients may include:

• Your mapped DSA Advisor and authorized Radha finance pvt ltd employees or administrators.
• The bank, NBFC, lender, insurer, broker, payment operator, tax or compliance professional, verification provider, or other provider relevant to your request.
• Authorized channel partners, lending service providers, and secure API providers that help process or return service information.
• Technology vendors supporting hosting, storage, email, OTP, messaging, analytics, fraud prevention, customer service, and payment processing.
• Government bodies, regulators, courts, auditors, or law-enforcement authorities when disclosure is required or permitted by law.

We do not authorize recipients to use application documents for unrelated advertising. A recipient may also have its own privacy notice and legal duties.

5. Customer Panel and DSA CRM visibility

• A customer can see their own profile, permitted applications, documents, journey, messages, and assigned advisor information.
• The assigned DSA Agent can see and manage customer and application information needed to provide service.
• Authorized brand administrators may view account, login, activity, application, document, payment, and support records for operations, security, complaints, and audits.
• Lead journey and activity records may identify whether an action was performed by the customer, DSA Agent, employee, administrator, website, or Android app.

6. Documents, chat, and protected files

Document and chat attachments can contain sensitive information. The platform uses controlled routes and access checks so the underlying server path is not intentionally exposed in the page. Authorized users may preview or download a file when their role and application access allow it. No internet transmission or storage method can be guaranteed completely secure, so do not upload information that is not requested.

7. Cookies, sessions, and analytics

We may use essential cookies or similar storage to keep you signed in, protect forms, remember selected settings, and maintain application progress. If analytics or advertising tools are enabled by the brand, they may collect usage and device information under their own terms. Browser settings can block some cookies, but essential panel functions may then stop working correctly.

8. Retention and deletion

• Account and profile information is kept while the account or an active service relationship requires it.
• Applications, KYC documents, payments, credit entries, tax records, chats, and audit records may be retained for an active request, fraud prevention, disputes, provider obligations, taxation, audit, or another legal requirement.
• Expired or revoked transient security logs may be removed under the platform's maintenance schedule.
• A deletion request does not require deletion of information that must be kept for a lawful purpose. Where deletion is available, access may first be restricted and linked records reviewed safely.

9. Your choices and privacy rights

Subject to applicable Indian law and any valid retention requirement, you may ask for information about processing, correction of inaccurate data, completion of incomplete data, erasure, withdrawal of consent, or grievance handling. You can update available profile and notification choices in the Customer Panel or contact us.

• Withdrawing consent does not affect processing already completed lawfully.
• If required data or consent is withdrawn, we may be unable to continue the related account or application.
• We may verify your identity before acting on a privacy request.

10. Security and your responsibility

We use reasonable technical and organizational measures such as access control, protected file delivery, password hashing, session controls, rate limits, and activity monitoring where supported. You must use a strong password, protect your device, sign out from shared devices, and never disclose an OTP, PIN, or password to anyone claiming to provide support.

11. Age requirement and policy updates

The platform and its financial service journeys are intended for adults aged 18 or older. We may update this policy when products, providers, laws, or platform features change. The revised policy will be posted here with a new effective date, and renewed consent may be requested where required.