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Privacy Policy

1. GENERAL OVERVIEW

  1. This Privacy Policy is an electronic record generated in accordance with the Information Technology Act, 2000, and its associated rules. As a computer-generated record, it does not necessitate any physical or digital signatures.
  2. We publish this document to comply with Rule 3(1) of the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. This requires the disclosure of privacy policies and usage terms for the website https://www.doloans.in.
  3. The portal https://www.doloans.in (hereinafter "Website") is the property of and managed by Doloans ("the Company").
  4. In this Policy: (i) "User" or "You" identifies any individual or entity utilizing our services who is legally eligible to contract under the Indian Contract Act, 1872; (ii) "We", "Us", or "Our" refers to the Website and the Company; (iii) "Party" refers to either the User or the Company.
  5. Headings are included for navigational ease and do not dictate the interpretation of the clauses within this Policy.
  6. By continuing to browse this Website, you acknowledge and agree to be bound by this Policy and our Terms of Use. We may modify these documents at our discretion; your continued engagement with the portal signifies acceptance of those updates.

2. DATA COLLECTION PROTOCOLS

  1. Doloans collects personal details voluntarily provided by Users, including but not limited to: full name, contact information, email, date of birth, gender, PAN, Aadhaar, and financial or employment records.
  2. We limit data collection to the minimum required for service delivery. Biometric information is never stored or collected unless mandated by specific legal or statutory frameworks.
  3. Borrower consent is a mandatory prerequisite before we share any personal information with third-party partners or financial institutions.
  4. Users maintain the right to withdraw consent or request the deletion of their data ("right to be forgotten") by contacting us at support@darkcyan-salamander-401600.hostingersite.com.
  5. We do not retain sensitive information beyond the duration necessary for regulatory compliance or business operations. All storage follows industry-standard protection protocols.

3. DATA LOCALIZATION AND GOVERNANCE

All customer data is stored on secure servers located within India. In compliance with the Digital Lending Guidelines (DLG), any data processed temporarily outside of India is repatriated and deleted from foreign servers within 24 hours. Our governance framework covers:

  • Defined retention periods for different data types.
  • Strict access controls and usage restrictions.
  • Standardized data destruction and purging protocols.
  • Comprehensive incident response plans for security breaches.

4. COOKIE USAGE

This Website utilizes 'Cookies'—small data files stored on your browser—to enhance user experience and remember preferences like login identifiers. We use these tools to analyze site traffic, measure the success of promotions, and ensure platform safety. While you may choose to disable cookies through your browser settings, doing so may limit your access to certain high-performance features of the Website.

5. SECURITY AND ENCRYPTION

User safety is our priority. All transactions and data entries are protected via industry-standard encryption. Doloans does not directly store or retain your credit/debit card numbers or biometric data. Such sensitive financial information is handled directly by authorized, RBI-compliant payment gateways and aggregators. Access to personal records is strictly limited to authorized personnel on a need-to-know basis.

6. EXTERNAL LINKS AND ADVERTISEMENTS

The Website may feature advertisements or links to external third-party sites. Please be aware that Doloans does not control the privacy practices or content of these external entities. Once you leave our portal, the risk associated with data sharing on those sites rests solely with the User.

7. GRIEVANCE REDRESSAL

If you have concerns regarding your data or this Policy, you may contact our designated Grievance Officer under the IT Act, 2000:

Grievance Officer: [Name of Officer]

Email: support@darkcyan-salamander-401600.hostingersite.com

8. DISPUTE RESOLUTION AND JURISDICTION

  1. Mediation: In the event of a disagreement, the Parties shall first attempt to reach an amicable resolution within 30 days of notice.
  2. Arbitration: Unresolved disputes will be referred to a sole arbitrator appointed by the Company. The proceedings will be in English, and the seat of arbitration shall be Delhi, India.

This Policy is governed by the laws of India. The courts in Delhi shall have exclusive jurisdiction over any legal matters arising from this agreement.

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