Saral Dhan (सरल धन) Privacy Policy
Effective Date: 01/10/2025
Last Updated: 09/10/2025
Saral Dhan ("we," "us," or "our") is dedicated to protecting your privacy and securing your personal and sensitive financial information. This policy governs your use of our website, www.saraldhan.qzz.io (the "Website"), and explains how we manage your data.
We comply with Indian law, particularly the Information Technology Act, 2000 and its rules (including the SPDI Rules, 2011), and principles of the Digital Personal Data Protection Act, 2023 (DPDP Act).
1. Information We Collect
We primarily collect two categories of information:
A. Personal Information (PI)
This information helps identify you:
Contact Details: Name, email address, phone number, and mailing address.
Demographic Data: Date of birth, gender, and occupation.
B. Sensitive Personal Data or Information (SPDI)
Since Saral Dhan provides financial advice, we may collect the following sensitive data, which is given the highest level of protection under Indian law:
Financial Information: Bank account details, credit/debit card details, income statements, investment history, and other payment instrument details.
Account Passwords: Your login credentials for the Website.
Health Information: Any physical or mental health information relevant to specific financial products like insurance, if voluntarily provided.
C. Non-Personal Information
When you visit www.saraldhan.qzz.io, we automatically collect technical data:
Browser information, operating system, and device type.
Usage data, such as pages viewed, time spent, and referral sources.
2. Purpose of Data Processing
We use your data strictly for the purposes outlined below:
| Purpose of Use | Details |
| Service Provision | To create your financial plan, process transactions, and deliver the personalized advisory services you requested via www.saraldhan.qzz.io. |
| User Communication | To respond to your inquiries, send service notifications, and provide updates regarding our offerings. |
| Security and Legal Compliance | To verify your identity, prevent fraud, and comply with all mandatory laws, regulations, and legal processes in India. |
| Website Optimization | To analyze user trends and feedback to improve the performance, features, and user experience of the Website. |
3. Consent and Your Data Rights
Consent and Withdrawal
Consent: We will obtain your free, specific, informed, and unambiguous consent (clear affirmative action) before collecting or processing your Sensitive Personal Data or Information (SPDI).
Right to Withdraw: You have the right to withdraw your consent at any time. To do so, please follow the process detailed in the Grievance mechanism below.
Consequence: If you withdraw your consent, we may no longer be able to provide the specific services or features that rely on that data.
Your Rights
As a user of www.saraldhan.qzz.io, you have the right to:
Access: Request confirmation about your data processing and access a copy of your data.
Correction: Request that we correct or update any incomplete or inaccurate data.
Erasure: Request that we delete your data from our records, subject to our legal obligations to retain certain data (e.g., financial transaction records).
4. Disclosure of Information
We do not sell or rent your Personal Information or SPDI. We disclose your data only in these limited situations:
Third-Party Service Providers: We may share data with vendors (e.g., cloud hosting, payment gateways, analytics providers) who perform functions on our behalf. These parties are contractually bound to maintain confidentiality and security in line with this policy and Indian law.
Legal Compliance: We will disclose information if we are legally required to do so by a court order, regulatory body, or government authority.
Business Transfer: In the event of a merger, acquisition, or sale of all or a portion of our assets, your data may be transferred to the acquiring entity.
We ensure that any disclosure of your Sensitive Personal Data outside of Saral Dhan is made in compliance with the SPDI Rules, 2011.
5. Security Measures
We maintain reasonable security practices and procedures as required under the IT Act and SPDI Rules. These measures are designed to protect your data from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Key measures include:
Data encryption (in transit and at rest).
Access controls and authentication procedures for our systems.
Periodic review of our security practices.
6. Grievance Officer and Redressal Mechanism
In compliance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, we have designated a Grievance Officer.
For any complaints, discrepancies, or questions regarding this Privacy Policy or the handling of your data on www.saraldhan.qzz.io, please contact our designated Grievance Officer using the details below.
| Detail | Contact Information |
| Name of Grievance Officer | Nimit Biswas |
| Address | Chakdaha, Nadia, West Bengal, India |
| officialnimitbiswas@gmail.com | |
| Phone No. | Currently We Only Accept Emails |
The Grievance Officer will acknowledge receipt of the grievance and is responsible for addressing the complaint or question promptly, generally within one month (30 days) from the date of receipt.
We may update this policy periodically to reflect changes in our data practices or regulatory requirements. We encourage you to review this page regularly.
