All personal information of customers shall be treated as private and confidential, even after they cease to be customers and shall be guided by following principles and policies. DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall not reveal any information or data relating to customers accounts whether provided by the customer or otherwise, to any one, including other companies, entities in their group, other than in the following exceptional cases.
- If the information is to be given as per law
- If there is a duty towards the public to reveal the information
- If the interests of DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED require them to give information – e.g: to prevent a fraud. But, DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall not use the same for giving information about the customer/customer account to any one else, including other companies in the group or for marketing purposes.
- If the customers ask DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED to reveal information or with the customers’ permission, then only, the information will be revealed.
- If DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED is asked to give reference about the customers, DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED will obtain customers written permission, before giving the information.
- The customer shall be informed the extent of his/her rights under the existing legal frame-work for accessing the personal records that DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED maintains about him/her.
- DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall not use customers’ personal information for marketing purposes of anyone, including its own marketing staff, unless the customer specifically authorises the DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED to do so.
Credit Reference Agencies:-
- When a customer opens an account, DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall inform him/her when they may pass his/her account, details to credit reference agencies and the checks DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED may make with them.
- DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED may give information to credit reference agencies about the personal debts the customer owes them, if:-
- In these cases, DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall intimate the customers in writing that they plan to give information about the debts the customer owes them, to the credit reference agencies. At the same time, DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED shall explain to the customers the role of credit reference agencies and the effect the information they provide, can have on customers’ ability to get credit.
- DHANDAYE MICRO CREDIT FINANCE AND INCESTMENT INDIA LIMITED may give credit reference agencies other information about the customer’s account, if the customer has given his/her permission to do so.
- A copy of the information given to credit reference agencies shall be provided by the HFCs to a customer, if so demanded.