Dhanvi Infotech (“we”, “our”, “us”) is committed to protecting the privacy and security of its users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://dhanviit.info/ or use our mobile application Byaz – Interest Saving & EMI Saver App (“App”).
By accessing or using our website or services, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following types of information:
a) Personal Information
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Name
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Email address
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Mobile number
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Date of birth
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PAN details (where required for credit-related services)
b) Financial & Credit Information
With your explicit consent, we may collect and process:
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CIBIL / credit bureau reports
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Credit score and credit history
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Loan and EMI-related information
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Outstanding balances and repayment data
We access CIBIL or other credit bureau data only with your explicit authorization and strictly for the purpose of providing credit insights and management features within the Byaz app.
c) Technical Information
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Device information
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IP address
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App usage data
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Browser type and operating system
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Log and diagnostic data
2. How We Collect Information
We collect information through:
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User registration and onboarding
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In-app permissions and consent screens
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Secure APIs and authorized credit bureau partners
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Website forms and app interactions
3. How We Use Your Information
We use your information to:
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Provide and improve our services
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Fetch, display, and manage your CIBIL credit report within the app
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Help users track EMIs, interest savings, and credit health
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Personalize user experience
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Communicate updates, alerts, and support messages
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Ensure compliance with legal and regulatory requirements
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Detect fraud and enhance security
4. CIBIL & Credit Bureau Data Usage
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Your credit report is fetched only after obtaining your explicit consent
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Credit data is used solely for personal credit analysis and management
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We do not sell, rent, or trade your CIBIL data
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Credit information is displayed securely within your account
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Access to credit data is limited to authorized systems and personnel
We comply with applicable Credit Information Companies (Regulation) Act, 2005 and related RBI guidelines.
5. Data Sharing & Disclosure
We may share your information only with:
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Authorized credit bureaus (such as CIBIL)
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RBI-compliant service providers and partners
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Cloud, analytics, and security providers under strict confidentiality
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Government or regulatory authorities if required by law
We never share your personal or credit information for advertising or marketing without consent.
6. Data Security
We implement appropriate technical and organizational security measures, including:
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Encryption of sensitive data
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Secure APIs and authentication
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Restricted access controls
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Regular security monitoring
However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your data:
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Only as long as necessary to provide services
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As required by applicable laws and regulations
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Until you request deletion, subject to legal obligations
8. User Rights
You have the right to:
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Access your personal data
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Correct inaccurate information
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Withdraw consent for credit report access
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Request deletion of your account and data (subject to legal limits)
Requests can be made via the contact details provided below.
9. Cookies & Tracking Technologies
Our website may use cookies and similar technologies to:
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Improve user experience
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Analyze website performance
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Maintain session security
You can control cookie preferences through your browser settings.
10. Third-Party Services
Our app may integrate third-party services such as:
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Credit bureaus
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Analytics tools
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Payment or verification providers
These third parties are governed by their own privacy policies, and we are not responsible for their independent practices.
11. Children’s Privacy
Our services are not intended for individuals under the age of 18.
We do not knowingly collect personal data from minors.
12. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time.
Updates will be posted on this page with a revised “Last updated” date.
Continued use of our services indicates acceptance of the revised policy.
13. Contact Us
If you have any questions or concerns about this Privacy Policy or data handling practices, please contact us at:
Dhanvi Infotech
Website: https://dhanviit.info/
Email: contact@dhanviit.info