Privacy & Policy
At YDCPL, we value the privacy of our clients and are committed to protecting your personal and financial information. This Privacy Policy outlines how we collect, use, store, and disclose your data when you use our debt consulting services, website, or mobile application.
We can effectively handle accounts of any size and in any stage of delinquency, from a few days to many months, across Maharashtra.
1. Information We Collect
- Full name, date of birth, address, contact number, email ID
- PAN, Aadhaar number (with consent)
- Income and expenditure details
- Credit reports and CIBIL score
- Loan, debt, and repayment information
- Banking details (account number, IFSC, etc.) if required for financial planning
- Documents such as ID proof, address proof, bank statements, salary slips, etc.
2. How We Collect Information
- Direct interactions (in-person, telephone, website forms, emails)
- Documents submitted physically or digitally
- Integrations with credit bureaus (with authorization)
- Third-party APIs (if used for financial data access)
3. Use of Information
- Debt consultation and restructuring services
- Creating personalized repayment plans
- Liaison with creditors or financial institutions (with consent)
- Verification and credit assessment
- Regulatory compliance (e.g., KYC, AML requirements)
- Customer support and communication
- Improvement of our services and offerings
4. Data Sharing & Disclosure
We do not sell or rent your personal information to third parties. We may share your data with:
- Creditors and financial institutions (with your written consent)
- Authorized partners or associates for service delivery
- Credit rating agencies, if necessary for report fetching or disputes
- Regulatory authorities or law enforcement if required under applicable law
5. Data Security
- Secure servers and firewalls
- Encryption of sensitive data
- Restricted access to authorized personnel
- Regular audits and compliance reviews
6. Data Retention
- To fulfill the purpose it was collected for
- To comply with legal and regulatory obligations
- Or until you withdraw your consent (as per applicable laws)
7. Your Rights
- Access and correct your personal data
- Withdraw consent for data usage (subject to terms of service)
- Request deletion of your personal data (where legally applicable)
- Lodge complaints with the Data Protection Authority (once established under DPDP Act)
8. Cookies and Tracking
Our website may use cookies for:
- Site performance and analytics
- Improving user experience
- Retargeting advertisements (if applicable)
You can manage cookies through your browser settings.
9. Third-Party Links
Our website/app may contain links to external sites. We are not responsible for the privacy practices or content of such websites.
10. Policy Updates
We may update this policy from time to time. Changes will be posted on this page with the revised effective date.
11. Grievance Redressal
In case of any concerns or complaints regarding your personal data, please contact our Grievance Officer:
- Name: Aishwarya Joshi
- Email: [email protected]
- Phone: 8983013400
- Address: Office No 23 C-6, Vega Center, Shankar Sheth Road, Pune -411037
