Privacy Policy

Dinkar Financial Services Private Limited

Last updated: 10/27/2025

This document is an electronic record in terms of Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

Thank you for visiting our website www.wealth.chacha.com and mobile application (collectively referred to as the "Platform"). Dinkar Financial Services Private Limited having its registered office address at 3390, Sector-19-D, Chandigarh, India-160019 is operating this Platform under a valid licence. ("Wealth Chacha", "Dinkar", "We", "Us" or "Our"). We are committed to protecting and respecting the privacy of every User who visits or access Our Platform or who shares information with Us and/or whose information We receive through Our Platform or otherwise.

Wealth Chacha is a brand of Dinkar Financial Services Private Limited.

This Privacy Policy ("Privacy Policy") applies to the collection, receipt, storage, usage, processing, disclosure, transfer and protection ("Utilization") of all the information including Personal Information (defined below) when the user of the Platform ("User(s)" or "You" or "Your") uses Our Platform or avails any services offered by Dinkar and/or the third parties including FD Partners (as defined in the Terms & Conditions) through the Platform.

BY USING THE SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU WILL BE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY THE PRIVACY POLICY.

1. CONSENT

1.1

You acknowledge that You have read the Privacy Policy carefully prior to using the Platform or sharing Your Personal Information or registering or using the Services on the Platform including but not limited to Services of online platform for investment in Bank Deposit, NBFC Deposit, P2P Lending, Application of Credit Cards, Loan against Mutual Funds, online bond platform provider, stock broking, fixed deposits, Bill payments, Investment in Digital Gold and other metals etc ("Services").

1.2

You acknowledge that You are over 18 years of age and are providing Your information including Personal Information out of Your free will.

1.3

If You use the services on behalf of someone else (including but not limited to, as a legal representative of an individual with mental illness) or an entity (such as Your employer), You represent that You are authorized by such individual or entity to accept this Privacy Policy on such individual's or entity's behalf.

1.4

You have the option not to provide Us the Personal Information sought to be collected. You will also have an option to withdraw Your consent at any point, provided such withdrawal of the consent is intimated to Us in writing at support@wealthchacha.com. If you do not provide us your Personal Information or if you withdraw the consent to provide us with your Personal Information at any point in time, please note that your withdrawal of consent, may result in Dinkar being unable to provide you with its Services.

1.5

Our Platform is accessible to children under the age of 18 years. Dinkar strongly encourages parents and guardians to supervise the online activities of their minor children and consider using parental control tools. We do not knowingly collect any Personal Information from children (without the consent of their parents/guardians). Please contact us at support@wealthchacha.com, if you are aware that we may have inadvertently collected Personal Information from a child.

2. INFORMATION COLLECTED

While some sections of the Platform can be accessed without registration, to utilize specific Services on the Platform, you must complete the registration process with us. The information that We may collect from you, or about you, may include but are not limited to, the following:

  • Name, photograph, signature
  • Birth date/age
  • Gender, marital status, nominee details
  • Residential/Current Address (including country and pin/postal code)
  • Income and tax status: Bank Details
  • KYC information (such as permanent account number (PAN), passport details/driving licence/proof of possession of Aadhaar number/Voter's Identity Card issued by the Election Commission of India/job card issued by NREGA duly signed by an officer of the State Government, or letter issued by the National Population Register containing details such name, birth date, address etc.)
  • Phone number/mobile number
  • Email address and passwords
  • Your usage details such as time, frequency, duration and pattern of use, features used and the amount of storage used
  • Any other information about You or person acting on Your behalf that is required for providing You the services or is required by law or is willingly shared by you

(Items 1 to 9 are collectively referred to as "Personal Information")

3. HOW WE COLLECT INFORMATION

The methods by which We collect Your Personal Information, Non-Personal Information, Transaction Information, User Communications or such other information provided by You includes but is not limited to the following:

  • When You access Our Platform or use any features of Our Platform
  • When You provide Your Personal Information to Us
  • During the course of Services provided to You by Us
  • Through Your computer/device, once You have granted permissions to Our Platform
  • Through Dinkar's representatives
  • Through use of cookies
  • Through Google APIs. In such cases Use of such information by Us shall be subject to Google API Services User Data Policy, including the Limited Use requirements as provided therein
  • We collect information that Your browser/app sends whenever You visit Our Platform, including but not limited to the Log Data
  • Through optional online surveys

4. USE OF INFORMATION

Your Personal Information, Non-Personal Information, Transaction Information, User Communications and any other information You share may be used for various purposes including but not limited to the following:

  • To provide effective services
  • To resolve disputes, provide customer support, responding to queries and inquiries
  • To troubleshoot issues, operate and improve Our Platform and services
  • To perform research and analysis for Our understanding, information, analysis, services and technologies
  • To contact You via phone, SMS or email for appointments, technical issues, payment reminders, obtaining feedback and other security announcements
  • To send promotional and marketing emails from Us or any of Our channel partners via SMS, email, snail mail or third-party communication services
  • To advertise products and Services of Dinkar and third parties
  • To share/transfer/assign information about You, in the event of merger, sale, re-organization, amalgamation, joint ventures, assignment, restructuring of business
  • For purposes of KYC and bank account verification
  • To build Your profile/User account on the Platform
  • To investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of Our Terms of Use
  • For any other purpose with Your prior consent

5. SHARING AND TRANSFERRING OF PERSONAL INFORMATION

5.1

We may, if required, disclose information including Personal Information about you to our representatives and other third parties to comply with applicable laws and regulations, to protect the rights, assets, personal safety of Dinkar or its Users and others. You authorize Us to exchange, transfer, share, part with all or any of Your information including Personal Information, across borders and from Your country to any other countries across the world with Our affiliates/agents/third party service providers/partners/banks and financial institutions for the Purposes specified under this Privacy Policy.

5.2

You expressly agree and grant Your consent, thereby authorizing Us and/or Our group companies, subsidiaries, and affiliates to collect, store, transfer, process, and share information (including Personal Information) concerning You with third parties such as banks, financial institutions, credit information companies, AMCs, entities registered under relevant laws with the Securities Exchange Board of India, the National Stock Exchange of India Limited, BSE Limited, Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI), Corporate Bond Reporting and Integrated Clearing System (CBRICS), payment gateways, collecting banks, and KRAs.

5.3

You acknowledge that Dinkar may be obligated by law to disclose or transfer your information including Personal Information with courts and government agencies in certain instances including but not limited to, verification of identity, or prevention, detection, investigation, prosecution, and punishment for offences, or in compliance with laws.

6. USE OF NON-PERSONAL INFORMATION

6.1

We, Our third party service providers and Our partners may send Cookies to Your computer or use similar technologies to enhance Your online experience at Our Platform. "Cookies" are files that can identify you as a unique customer and store your personal preferences as product preferences to tell us which Platform pages you have visited and in what order.

6.2

Cookies can either be permanent (i.e. they remain on your computer until you delete them) or temporary (i.e. they last only until you close your browser). You can erase or choose to block these cookies from your computer. You can configure Your computer's browser to alert You when We attempt to send You a Cookie with an option to accept or refuse the Cookie.

7. SECURITY

7.1

The security of your Personal Information is important to us. We have adopted reasonable security practices and procedures including role-based access, secure communication, password protection, encryption, etc. to ensure that the Personal Information collected is secure.

7.2

We restrict access to your Personal Information to us and Our affiliates' employees, agents, third party service providers, partners, and agencies who need to know such Personal Information in relation to the Purposes as specified above in this Privacy Policy.

7.3

While we will endeavour to take all reasonable and appropriate steps to keep secure any information which we hold about you and prevent unauthorized access, you acknowledge that the internet is not 100% secure and our efforts do not guarantee absolute protection.

7.4

Your active role in safeguarding Your information including Personal Information is essential. Please do not share your Account's login, password, OTP details or credentials with anybody.

8. THIRD PARTY LINKS

During your interactions with us, it may happen that we provide/include links and hyperlinks of third-party websites or mobile applications not owned or managed by Us ("Third-party Platform"). These Third-party Platforms are governed by their own terms and conditions and when You access such Third-party Platform, You will be governed by the terms of such Third-party Platform. We are not responsible for the content, terms of use, privacy policies and practices of such Third-party Platform.

9. ACCESS

If you need to update your Personal Information or have any grievance with respect to the processing or use of your Personal Information, or request that we no longer use your Personal Information to provide you services or want us to delete your Personal Information, or opt-out of receiving communications such as promotional and marketing-related information regarding the Services, for any reason, You may send us an email at support@wealthchacha.com and we will take all reasonable efforts to incorporate the changes within a reasonable period of time.

10. COMPLIANCE WITH LAWS

The contents of this Privacy Policy are governed by the laws of India. You are not allowed to use the Services of the Platform if any of the terms of this Privacy Policy are not in accordance with the applicable laws of Your country.

11. TERM OF STORAGE OF PERSONAL INFORMATION

11.1

Dinkar may keep records of communications, including phone calls received and made for making enquiries, orders, feedback or other purposes for rendering Services effectively and efficiently. Dinkar will be the exclusive owner of such data and records.

11.2

Dinkar will store Your information including Personal Information at least for a reasonable time from the last date of use of the Services, Platform or for such period as may be required by law.

12. CHANGES TO THE PRIVACY POLICY

12.1

We reserve the right to update (change, modify, add and/or delete) the terms of this Privacy Policy from time to time, at our sole discretion, to reflect company initiatives, changes in the law or technology or changes in our practices regarding the collection and use of information including Personal Information.

12.2

When we update our Privacy Policy, we will intimate you of the amendments on your email address registered with us or on the Platform or provide you push notifications or such other form(s) of notice as we deem necessary to keep you updated about this Privacy Policy.

13. GRIEVANCE OFFICER

We have appointed a Chief Information Security Officer, whose details are set out below, to address any concerns or grievances that you may have regarding the processing of your Personal Information. If you have any such grievances, please write to our Chief Information Security Officer, Mr. Rakesh Kumar Sharma at support@wealthchacha.com and our officer will attempt to resolve your issues in a timely manner.

14. Governing Law and Jurisdiction

This Privacy Policy shall be subject to and interpreted in accordance with the laws of India, with exclusive jurisdiction granted to the Courts of Chandigarh.

15. Contact Information

If You have any queries about this Privacy Policy, please contact us:

Company: Dinkar Financial Services Private Limited

Address: 3390, Sector-19-D, Chandigarh, India-160019

Email: support@wealthchacha.com

Phone: +91-73473-41212

Website: www.wealth.chacha.com