Information We Collect

We collect only the information necessary to evaluate your funding requirement, process your application, and provide you with our financing services. We do not collect information beyond what is required for these purposes.

2.1 Information You Provide Directly

• →Name, designation, mobile number, and email address
• →Company / business name, registration type, and industry sector
• →Funding amount, funding type, and purpose of loan
• →Business financial information — turnover, bank statements, GST returns, P&L, ITR
• →KYC documents — PAN, Aadhaar, passport, director identification
• →Property or collateral details (for secured loan applications only)
• →Existing loan or liability details shared during debt restructuring consultations
• →Deal briefs or financial models submitted for acquisition financing
• →Any other information voluntarily provided via contact forms, email, or phone

2.2 Information Collected Automatically

• →IP address and approximate geographical location
• →Browser type, device type, and operating system
• →Pages visited, time spent on pages, and referral source
• →Cookie data (see Section 8 for full details)

How We Use Your Information

Personal and business information collected by DIKSHI LEAFIN is used exclusively for legitimate financing and business purposes. We do not use your data for unsolicited marketing or sell it to any third party.

Legal Basis for Processing

DIKSHI LEAFIN processes personal information on the following legal grounds under applicable Indian law:

• Consent: You have submitted your information voluntarily through our contact form, phone call, email, or walk-in visit, implying informed consent to use that information for the stated purpose.
• Contract Performance: Processing is necessary to evaluate your funding application, prepare a funding proposal, and execute any loan agreement you enter into with us or a lender partner.
• Legal Obligation: We are required to collect KYC and conduct anti-money laundering (AML) checks under applicable Indian financial regulations.
• Legitimate Interests: We process minimal website usage data to improve our services, prevent fraud, and ensure platform security — in a manner that does not override your fundamental privacy rights.

Disclosure to Third Parties

DIKSHI LEAFIN does not sell, rent, or trade your personal information. We share information only in the following specific, controlled circumstances:

5.1 With Lending Partners (With Your Consent)

To source capital for your funding requirement, we may share your business profile and financial summary with banks, NBFCs, HNI investors, mutual funds, or private lenders from our network. This is done only with your prior knowledge and consent , and only to lenders explicitly agreed upon during your consultation.

5.2 With Service Providers

We may engage trusted technology service providers (e.g., cloud hosting, CRM, email delivery) who access data solely to perform services on our behalf, under binding confidentiality obligations. They are not permitted to use your data for any independent purpose.

5.3 For Legal & Regulatory Compliance

We may disclose information to government authorities, regulators (including RBI), courts, or law enforcement when required by law, court order, or legitimate regulatory obligation — and only to the extent required.

5.4 Business Transfers

In the event of a merger, acquisition, or business restructuring, client data may be transferred as part of the transaction, subject to confidentiality protections equivalent to those described in this policy. Affected users will be notified in advance.

Data Security

DIKSHI LEAFIN implements robust technical and organisational security measures to protect your personal and financial information against unauthorised access, loss, destruction, alteration, and disclosure.

• Encryption: Our website operates exclusively over HTTPS (SSL/TLS encryption). Sensitive documents transmitted digitally are encrypted in transit.
• Access Control: Personal data is accessible only to DIKSHI LEAFIN personnel who require it to perform their specific role. Access is governed by role-based permissions and reviewed regularly.
• Secure Storage: Digital records are stored on password-protected, access-controlled systems. Physical documents are stored in restricted, locked facilities.
• Vendor Security: All third-party technology providers engaged by DIKSHI LEAFIN are evaluated for security standards before engagement and bound by data protection agreements.
• Incident Response: In the unlikely event of a data breach, we will notify affected individuals and relevant authorities within the timelines required by applicable law.

Data Retention

We retain personal and business information only for as long as necessary to fulfil the purpose for which it was collected, or as required by applicable law.

Upon expiry of the applicable retention period, personal data is securely deleted or anonymised so that it can no longer be attributed to any individual or business entity.

Cookies & Website Tracking

Our website (www.dikshi.in) uses cookies and similar technologies to improve your browsing experience and understand how our site is used.

8.1 Types of Cookies We Use

• Essential Cookies: Required for the website to function correctly (session management, security). Cannot be disabled.
• Analytics Cookies: Help us understand which pages are visited most and how users navigate our site. Data is anonymised and aggregated (e.g., Google Analytics).
• Preference Cookies: Remember your settings and choices to improve your experience on return visits.
• Vendor Security: All third-party technology providers engaged by DIKSHI LEAFIN are evaluated for security standards before engagement and bound by data protection agreements.

8.2 Managing Cookies

You can control and delete cookies through your browser settings at any time. Disabling analytics or preference cookies will not affect your ability to use the core features of our website. Disabling essential cookies may impact website functionality.

Your Rights

As an individual whose data we hold, you have the following rights under applicable Indian law. DIKSHI LEAFIN is committed to honouring these rights promptly and without unnecessary delay.

To exercise any of these rights, please contact us using the details in Section 13. We will respond to your request within 30 days. In complex cases, we may extend this by a further 30 days with prior notice. We may request proof of identity before processing certain requests.

Children's Privacy

DIKSHI LEAFIN's services are intended exclusively for registered business entities and business professionals. Our website and services are not directed at individuals under the age of 18, and we do not knowingly collect personal information from minors.

If we become aware that personal information has been collected from a minor without appropriate consent, we will delete such information promptly. If you believe a minor's information has been submitted to us, please contact us immediately at sales@dikshi.in.

Third-Party Links

Our website may contain links to third-party websites, partner portals, or external resources (e.g., government financial portals, regulatory bodies). These external websites have their own privacy policies, which we do not control and for which we bear no responsibility.

We recommend reviewing the privacy policy of any third-party website you visit through links on our platform before submitting any personal information to those sites.

Policy Updates

DIKSHI LEAFIN reserves the right to update this Privacy Policy periodically to reflect changes in our services, business practices, or applicable legal requirements. We will not reduce your rights under this policy without providing adequate notice.

When material changes are made, we will:

• →Update the "Last Updated" date at the top of this page
• →Display a prominent notice on our website homepage for a reasonable period
• →Where appropriate, notify existing clients via email or phone

Your continued use of our website or services after the effective date of any update constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

Contact & Grievance Redressal

If you have any questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information — including requests to access, correct, or delete your data — please contact us through any of the following channels.

In accordance with the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, we have designated a Grievance Officer responsible for addressing privacy complaints within 30 days of receipt.