Privacy Policy

Last Updated: October 10, 2025

This Privacy Policy ("Policy") governs the collection, use, storage, disclosure, and protection of personal data by D Wealth Services Private Limited (CIN: [Company Identification Number]), a company incorporated under the Companies Act, 2013, and operating under the business name "Delhi Wealth Group" ("Company," "we," "us," or "our").

This Policy applies to all users ("you," "your," "Data Principal") who access our website at https://delhiwealthgroup.com or avail our corporate finance consultancy services. As an independent corporate finance consultancy firm providing debt financing advisory services, we are committed to protecting your privacy and ensuring compliance with all applicable Indian data protection laws. 

This Policy is an electronic record in terms of the Information Technology Act, 2000, and rules thereunder, the DPDP Act, 2023, and relevant global regulations where applicable. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.  

We collect the following categories of personal data:

Basic Personal Information:

• Full name, date of birth, gender
• Contact details (mobile number, email address, residential and office addresses)
• Identity proof details (PAN, Aadhaar, Passport, Driving License numbers)
• Professional details (designation, company name, work experience)

Sensitive Personal Data:

• Financial information including bank account details, credit history, income statements
• Business financial statements, profit & loss accounts, balance sheets
• Details of existing loans, credit facilities, and repayment history
• Project reports, feasibility studies, and business plans
• Information about collateral security, guarantees, and margin money arrangements
• Tax returns, GST registrations, and other statutory compliance documents

• IP address, browser type, operating system details
• Website usage patterns, pages visited, time spent on site
• Device information and unique identifiers
• Cookies and similar tracking technologies data
• Login credentials and session information

• Information received from credit bureaus, banks, and financial institutions
• References provided by you for verification purposes
• Publicly available business information and regulatory filings

Delhi Wealth Group follows a standard procedure of using log files. These record visitors when they visit our website. Log files typically include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and number of clicks. This information is not linked to any personally identifiable information and is used for:

• Analyzing trends
• Administering the site
• Tracking users' movement on the website
• Gathering demographic statistics

We process your personal data for the following specific and lawful purposes directly related to our business activities:

• Financial Consultancy Services: Analyzing your financial requirements for project financing, working capital, machinery loans, and loan restructuring
• Loan Facilitation: Preparing and submitting loan applications to our partner banks, Housing Finance Companies (HFCs), and Non-Banking Financial Companies (NBFCs)
• Risk Assessment: Evaluating creditworthiness, project viability, and security arrangements
• Advisory Services: Providing expert guidance on debt financing options for startups, greenfield, and brownfield projects

• Communication regarding our services, updates, and promotional offers
• Compliance with legal and regulatory obligations under Indian law
• Fraud prevention and security enhancement
• Website functionality improvement and user experience optimization
• Record maintenance as required by applicable laws and regulations

Your explicit consent serves as the primary legal basis for processing your personal data. We also process data where necessary for:

• Performance of our consultancy agreement with you
• Compliance with legal obligations under Indian law
• Legitimate business interests that do not override your privacy rights

Consent is obtained through:

• Electronic acceptance when submitting online forms
• Physical signatures on service agreements and application forms
• Verbal consent recorded during telephonic interactions
• Continued use of our services after policy updates

You may withdraw consent at any time by contacting our Grievance Officer. However, withdrawal may affect our ability to provide certain services and may not affect the lawfulness of processing based on consent before its withdrawal.

We may share your personal data with:

Financial Partners:

• Banks, HFCs, NBFCs, and other lending institutions for loan processing
• Credit bureaus for credit assessment and reporting purposes
• Insurance companies for loan protection products

Service Providers:

• Legal advisors, chartered accountants, and technical consultants working on your behalf
• Data processors and technology service providers under strict confidentiality agreements
• Courier services for document delivery

Regulatory Authorities:

• Reserve Bank of India, Securities and Exchange Board of India, and other regulatory bodies
• Tax authorities, law enforcement agencies as required by law
• Courts and tribunals pursuant to legal proceedings

We will never:

• Sell your personal data to third parties for commercial gain
• Share data with unauthorized entities or individuals
• Use your information for purposes not specified in this Policy
• Transfer data outside India without appropriate safeguards

We implement reasonable security practices and procedures as mandated by the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, including:

• Encryption of sensitive data during transmission and storage
• Secure servers with firewall protection and intrusion detection systems
• Regular security audits and vulnerability assessments
• Multi-factor authentication for system access

• Employee training on data protection and confidentiality
• Access controls based on role and necessity
• Regular backup procedures and disaster recovery plans
• Incident response protocols for data breaches

• Restricted access to offices and data storage areas
• Secure document storage and disposal procedures
• CCTV surveillance and visitor access controls

Personal data is retained only for the duration necessary to fulfill the purposes specified in this Policy or as required by applicable laws, including:

• Active client relationships: Duration of service agreement plus 7 years
• Loan-related documents: As per RBI guidelines and banking regulations
• Tax and compliance records: As per Income Tax Act and other applicable laws
• Website usage data: Maximum 24 months unless required for legal compliance

Upon expiry of retention periods, personal data will be securely deleted or anonymized unless:

• Legal proceedings are pending or anticipated
• Regulatory requirements mandate longer retention
• You have provided explicit consent for extended retention

Under the Digital Personal Data Protection Act, 2023, you have the following rights:

• Obtain information about personal data being processed
• Receive details about the purpose and recipients of data sharing

• Request correction of inaccurate or incomplete personal data
• Seek erasure of personal data where legally permissible
• Update your information through our designated channels

• Lodge complaints regarding data processing activities
• Receive timely resolution of your concerns through our grievance mechanism

• Appoint a nominee to exercise your rights in case of death or incapacity

In accordance with the Digital Personal Data Protection Act, 2023, we have appointed a Data Protection Officer to address your grievances:

Data Protection Officer Details:

• Name: Manoj Kumar
• Designation: Data Protection Officer
• Email: manoj@delhiwealthgroup.com
• Phone: 9911118103
• Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi - 110085

Grievance Process:

1. Submit your complaint in writing with relevant details
2. Acknowledgment within 72 hours of receipt
3. Investigation and resolution within 30 days
4. Right to escalate to Data Protection Board if unsatisfied

Delhi Wealth Group may partner with third-party advertisers or ad networks. Each partner has its own privacy policy for user data. Technologies like cookies, JavaScript, or web beacons may be employed in their respective advertisements and links that appear on our website, sent directly to users’ browsers where they automatically receive your IP address. These technologies help measure ad campaign efficacy and personalize content.

We have no access to or control over cookies used by third-party advertisers. Consult the privacy policies of our advertising partners for more details, including options to disable cookies.

Our website may contain links to third-party websites, including banks, regulatory authorities, and business partners. We are not responsible for the privacy practices of these external sites. We recommend reviewing their privacy policies before sharing any personal information.

Any information you share through social media platforms linked to our website is governed by their respective privacy policies, not this Policy.

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors. If we become aware of such collection, we will take immediate steps to delete the information and terminate any associated services.

We reserve the right to modify this Policy to reflect changes in our business practices, legal requirements, or technological developments. Updates will be effective from the date specified in the revised Policy.

• Material changes will be notified through email to registered users
• Policy updates will be posted on our website with the effective date
• Continued use of our services constitutes acceptance of the revised Policy

Currently, we do not transfer personal data outside India. Any future international transfers will be conducted only with appropriate safeguards as prescribed under Indian data protection laws, including:

• Adequacy determinations by the Central Government
• Standard contractual clauses approved by the Data Protection Board
• Your explicit consent for the specific transfer

For any queries, concerns, or requests related to this Privacy Policy, please contact:

D Wealth Services Private Limited
Address: G-20/151-152, Second Floor, Sector 7, Rohini, Delhi - 110085
Email: info@delhiwealthgroup.com
Website: https://delhiwealthgroup.com

You are entitled to:

• Access your personal data
• Rectification or completion of any inaccurate data
• Erasure of your personal data (right to be forgotten)
• Restriction of processing
• Object to processing
• Data portability

You have the right to:

• Request disclosure of the categories and specific pieces of personal information collected about you
• Request deletion of your personal data collected
• Request that your data not be sold
  If you wish to exercise your legal rights, please contact us. Requests will be honored in accordance with applicable law and jurisdiction.

This Privacy Policy is governed by and construed in accordance with the laws of the Republic of India. Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

Declaration: This Privacy Policy has been drafted in compliance with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and all other applicable Indian laws. We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information in accordance with the highest standards of data protection.

Acknowledgment: By engaging our services or using our website, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to the collection, use, and disclosure of your personal data as described herein.