Privacy Policy

This document (hereinafter referred to as the “Privacy Policy”) is an electronic record in terms of applicable Information Technology laws, including all allied rules, regulations, directions, and guidelines issued under the Information Technology Act, 2000 (“IT Act”). This record is generated by a computer system and does not require any physical or digital authentication.

1. PRELIMINARY INFORMATION:

Use of the website www.dmsloanz.com and its associated mobile application(s), if any (collectively referred to as the “Website” or “Application”), is subject to this Privacy Policy and the legal agreement between the user (“User”, “Client”, “You”) and DMS Loanz Private Limited (hereinafter referred to as the “Company”). The Company is incorporated under the Companies Act, 2013, having its registered office at [Insert official registered address of DMS Loanz here]. By accessing the Website/Application, you agree to this Privacy Policy and consent to the practices described herein.

2. DEFINITIONS:

• The term “User”, “Client”, or “You” (or any similar reference) shall refer to any individual or entity who accesses, browses, registers, or uses this Website/Application in any manner.
• The term “Company” shall refer to DMS Loanz Private Limited, and/or its affiliates or subsidiary companies, as applicable.
• The term “Site” or “Website” refers to www.dmsloanz.com and shall include any subdomains, mobile applications, or other digital properties owned, managed, or monitored by the Company.
• The term “Information” or “Personal Information” refers to any personal data, sensitive personal data, or other information voluntarily submitted by the User, collected and processed in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and any allied or applicable rules, regulations, and amendments thereto.

The following terms and conditions shall be deemed to have been accepted by the User through mere access or usage of the Website or Mobile Application. Accordingly, the User is advised to read them carefully before using any services available on the Website/Mobile Application.

WHEREAS:

We do not sell, rent, or trade your personal information. However, we may share your information in the following circumstances:

1. Through the Website and/or Mobile Application, the Company enables Users to access and utilize services related to document upload, storage, organization, sharing, access control, verification, and digital workflow management, along with other related functionalities (collectively referred to as “Services”)

2. In order to provide and optimize these Services for its Users, the Website/Mobile Application may automatically collect and process certain technical and non-personally identifiable data during use. This includes information captured through standard usage logs via its web server, such as:

• Cookies stored on the User’s browser or device;
• The IP address assigned to the User’s device;
• The domain server used to access the Website/Application;
• Device details including make, model, and operating system;
• Browser type and version used for accessing the Website/Application.

The Personal Information that may be collected from the User during use of the Website/Mobile Application includes but is not limited to:

• Full name of the User;
• Email address;
• Contact details, including mobile number;
• Postal/ZIP code or location;
• Demographic profile (e.g., age, gender, profession, and address);
• Organization name and role (if applicable);
• Preferences regarding document types, access methods, storage needs, or use-cases for document workflow (e.g., contracts, reports, ID proofs, business documents, etc.).

2. REASONABLE SECURITY PRACTICES AND PROCEDURES

The Company has implemented reasonable and appropriate technical and organizational measures to safeguard the Personal Information provided by the User on its Website/Application, in accordance with the Information Technology Act, 2000 and applicable Rules and Regulations. While the Company takes all reasonable precautions to ensure the security of your data, the User understands and agrees that no system is entirely immune to risks. The User agrees to indemnify the Company from any liability, loss, or damage arising from data breach or unauthorized access that could not have been prevented through reasonable diligence on the part of the Company.

3. THE COMPANY’S PRINCIPLES TO PROTECT PRIVACY

To ensure the privacy and protection of User data, DMS Loanz Private Limited adheres to the following core principles:

(I) SECURITY

Your account information is protected by a secure password chosen by you. We encourage Users to maintain the confidentiality of their login credentials. Personal Information collected is stored in secured databases and hosted on computer systems located in controlled environments with restricted access. We employ a combination of security tools including firewalls, data encryption, and role-based access controls to prevent unauthorized access, disclosure, alteration, or destruction of your information.

(II) CHOICE

Users may choose whether or not to provide certain Personal Information. However, some services and features of the Website/Application may not be fully accessible without necessary information. If you opt to engage in a business relationship with the Company (e.g., by signing up for document storage or workflow automation services), DMS Loanz may continue to contact you to fulfill those obligations.

We may also receive limited information about you from external sources (e.g., via integrations or referral channels) and update our records accordingly, in accordance with this Policy.

(III) NOTICE

hen collecting Personal Information, DMS Loanz does so only for lawful and specified purposes, which may include service provision, account management, compliance, or support. The purpose of collection will be made available upon request through the contact channels listed on our Website.

We do not share or transfer your data to any third party without your consent, unless such transfer is required by law or necessary to provide our services through contracted partners who operate under strict confidentiality obligations.

(IV) ACCESS / ACCURACY

We aim to keep your information accurate and up to date. If you believe that any information we hold about you is incorrect or outdated, you may update it via your dashboard, or write to us at loan@dmsloanz.com. We will make reasonable efforts to incorporate changes after verifying your request.

4. YOUR CONSENT

By using this Website and/or Mobile Application, you acknowledge and consent to the terms of this Privacy Policy and the associated Terms of Use. You also expressly authorize DMS Loanz Private Limited ("the Company") to process, store, and use your information for the purposes specified in this Privacy Policy.

From time to time, the Company may need to contact you via email, SMS, or phone to:

• Provide access to or notify you about services you have opted for;
• Share information about system updates, features, or improvements;
• Notify you of promotional offers or new services introduced on the Website/Mobile Application or by trusted third-party partners.

This may involve the use of your Personal Information as described herein. By continuing to use our services, you authorize the Company and its subsidiaries/affiliates to contact you for such purposes, even if you are registered under DND/DNC or NCPR lists.

You understand and agree that the Company shall not be responsible for any consequences arising from the provision of incomplete, incorrect, or misleading information by you.

5. SHARING AND STORAGE OF USER’S PERSONAL DATA

The Company ensures that any Personal Data it accesses will not be shared without the User’s explicit consent and without informing the User of the purpose of such sharing.

In certain workflows—such as registration, onboarding, support requests, or document-related services—the Company may ask for your specific consent to collect, use, or share Personal Data. Data shared is always limited to a “need-to-know” basis and only with authorized personnel or verified service providers/partners who are bound by contractual confidentiality obligations.

If at any point we provide a list of our data handling partners or service providers, such a list will be published on www.dmsloanz.com/clients (or the equivalent section on the website).

• Name
• Email address
• Mobile number
• Date of birth
• Location (city/state)
• Organization or business name (if applicable)

We do not collect biometric data. However, for certain features such as identity verification or document authentication, we may request one-time access to your camera, microphone, location, or other device features—with your explicit consent.

All data is stored securely in servers located within India and/or with third-party data processors under contractual agreements. Data will be retained as long as:

• You remain a customer or registered user, and/or
• As long as required to meet legal, regulatory, or operational obligations.

Sharing of Personal Data may occur in the following circumstances:

• To facilitate or deliver services opted for by the User (e.g., secure storage, sharing permissions, workflow integration);
• As required by law, regulation, court order, or official directives from authorized legal or governmental entities;
• For fraud prevention, system protection, or internal risk mitigation;
• With your consent, to auto-fill or pre-populate forms during your interaction with the system for efficiency and ease of use.

All sharing is done under strict adherence to confidentiality and security standards.

6. THE COMPANY’S DISCLOSURE OF YOUR INFORMATION

DMS Loanz Private Limited ("the Company") will never sell or rent your personal or organizational information for any reason, except for fulfilling a service or transaction that you have explicitly requested or authorized. However, the Company may collect, process, and disclose sensitive personal data or information for the following lawful purposes:

• Where such processing or disclosure is directly related to the delivery, support, or enhancement of the services provided via the Website and/or Mobile Application;
• Where collection of such data is reasonably necessary for fulfilling contractual, legal, or regulatory obligations.

Your information may be used by the Company for the following purposes:

To communicate with you regarding the services or support you have requested;

To deliver document-related services such as cloud storage, secure sharing, version tracking, or digital signature verification;

For lawful internal audits, logging, or operational insights;

For internal communication among authorized business units, subsidiaries, or affiliates of DMS Loanz;

To investigate or resolve any suspected breach of terms of service or legal claim;

To assist the Company’s service providers or partners in delivering the services to you;

To inform you about updates, new features, integrations, offers, or other enhancements related to your usage of DMS Loanz;

For third-party integrations (e.g., cloud platforms, e-signature tools) with your explicit consent.

Additionally, access to file storage on Android/iOS or the web-based DMS platform may be required—for example, to enable document uploads, capture scanned files, or retrieve PDFs, all in line with your intended use of the system.

Internal Use of Information May Include:

• Enhancing and developing the DMS product experience;
• Reaching out for customer feedback or satisfaction surveys;
• Sending you service-related updates or system notifications;
• Informing you of promotional opportunities, relevant webinars, or knowledge content.

The Company adheres strictly to reasonable and industry-standard security practices to safeguard your data from unauthorized access, use, or disclosure.

Information May Be Disclosed Without Separate Notice in the Following Cases:

• To comply with legal obligations, regulatory requirements, or law enforcement requests;
• To enforce or protect the Company’s rights under applicable terms or privacy frameworks;
• To third parties (such as hosting providers or KYC verification platforms) strictly on a "need-to-know" basis and only with proper data handling agreements in place;
• Where the User has either expressly or implicitly consented to such disclosure (e.g., when integrating with a third-party system like Google Drive, Dropbox, etc.).

By authorizing the Company (for example, through terms acceptance or system integrations), you give explicit permission to share your information with relevant third parties where required to provide the services.

If you have executed any formal agreements (e.g., a Power of Attorney or digital authorization), such documents shall be deemed express consent to allow the Company to disclose necessary information in accordance with this Privacy Policy.

7. COOKIES

DMS Loanz Private Limited (“the Company”) uses cookies to enhance the user experience and optimize Website/Mobile Application performance. Cookies are small data files stored on a user’s computer that help track and tailor services according to user preferences and behavior.

Cookies may be used for:

• User session management and login tracking.
• Improving document upload workflows.
• Retaining form data for convenience.
• Analytics for product usage and performance.
• Personalizing content and user dashboard experience.

These cookies are limited in scope and are not used for tracking personal data beyond what is essential for service delivery. By using the Website/Mobile Application, you consent to the use of these cookies. Users can modify cookie preferences via their browser settings. If cookies are disabled, some features of the Website/Mobile Application may not function as intended.

8. CHANGES IN PRIVACY POLICY

The Company may update this Privacy Policy from time to time. Any changes will be effective immediately upon posting to the Website/Mobile Application. While we strive not to reduce your rights under this Policy without your explicit consent, material changes will be prominently communicated.

You are encouraged to review this Policy periodically. Continued use of the services following updates signifies your acceptance of the changes. If you have any questions about this Policy, please contact us via the information provided on our Website/Mobile Application.

9. DATA SECURITY

DMS Loanz Private Limited is committed to ensuring the confidentiality, integrity, and availability of user data through stringent security protocols and industry-standard technologies. We adopt reasonable and appropriate measures such as:

• Encrypted connections (HTTPS),
• Secure storage on controlled-access servers,
• Role-based access controls and logging.

Although no system can guarantee absolute security, we take all prudent steps to prevent unauthorized access or disclosure of data. You are responsible for maintaining the confidentiality of your login credentials and must not share your account details with any third party.

10. QUESTIONS & SUGGESTIONS

For queries or feedback regarding this Privacy Policy, or our handling of your personal data, please email us at:

Email: loan@dmsloanz.com

We are happy to clarify any part of this Policy or support your rights under applicable law.

11. LOG FILES

Like most digital platforms, the Company automatically collects log file data for system diagnostics, security, and user analytics. Information may include:

• IP address,
• Browser type and version,
• Referring/exit pages,
• Timestamp data,
• Pages visited.

This data helps us understand usage trends, identify system bugs, and improve platform features. Log data may be correlated with user-provided information for troubleshooting and service improvements.

12. THIRD-PARTY LINKS/OFFERS

The Website/Mobile Application may contain links to third-party tools or services (e.g., document signing platforms, cloud storage providers). These are provided for user convenience and enhanced functionality.

Please note:

• Your interactions with such third parties are solely at your own discretion and risk.
• DMS Loanz is not responsible for their privacy practices, terms, or performance.
• You are advised to review the privacy policies of any third-party websites or applications you engage with through our platform.

13. OPTION TO GRANT OR DENY CONSENT FOR PERSONAL DATA

Users have the right to:

• Revoke previously granted consent for data usage.
• Limit the processing or sharing of personal information.
• Object to specific data usage for marketing or analytics.

To exercise these rights, users may write to:

Email:loan@dmsloanz.com

Please note that revoking consent may limit or disable access to certain features or services that rely on the relevant data. The Company reserves the right to discontinue services if essential data cannot be lawfully processed.

14. DELETION OF USER PERSONAL DATA

Users may request deletion of their account and associated personal data by contacting us at:

Upon such request, the Company will:

• Cease using and sharing the user’s data.
• Retain data only to the extent required under applicable laws (e.g., transaction records, audit logs).

Legal or regulatory obligations may require data retention even after account deletion. If any legal action is underway, data deletion will occur only after the matter is resolved or as permitted by law.

15. NODAL GRIEVANCE REDRESSAL

In accordance with the Digital Lending Guidelines issued by the Reserve Bank of India and in the spirit of promoting transparency, DMS Loanz Private Limited has appointed a Nodal Grievance Officer to address any complaints or concerns related to digital lending, data privacy, or this Privacy Policy.

Email ID

loan@dmsloanz.com

Phone Number

9603666689

Working Hours

Monday to Saturday, 09:30 AM – 05:30 PM

Postal Address

DMS Loanz Private Limited, #2-2-34/1/A/1, 2nd Floor, Near Vishal Mega Mart, Rahatnagar, Amberpet, Hyderabad-13.

All complaints will be addressed within a reasonable timeframe, not exceeding 30 days from the date of receipt, in line with regulatory mandates and our internal grievance redressal policy.

16. MISCELLANEOUS

• Correction of Information:

  Users may review the personal information submitted to the Company at any time. If any information is found to be inaccurate, deficient, or outdated, users may request for it to be corrected by contacting us at: loan@dmsloanz.com

• Authenticity:

  The Company is not responsible for the authenticity or accuracy of the personal data supplied by users. You are solely responsible for ensuring that the data shared with us is correct, up to date, and legally yours to share.

• Data Transfer Consent:

  You consent that DMS Loanz Private Limited may share or transfer your personal data to another entity in India or abroad, provided such entity adheres to data protection standards no less stringent than those followed by the Company, in accordance with the Information Technology Act, 2000 and relevant Rules.

• Legal Retention:

  The Company will retain your data for as long as necessary to provide services, comply with legal obligations, enforce terms, or resolve disputes as per applicable laws. Deletion requests will be honored in accordance with Clause 14 of this Policy.

For any queries or concerns regarding this Privacy Policy or our services, please contact us at: Email: loan@dmsloanz.com Last Updated On:

23.06.2025