🔐 Privacy Policy for DhwaniPay

Last Updated: August 2026

Mr Fincare Payment Solutions (“Company”, “we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you use our DhwaniPay mobile application.

DhwaniPay is designed specifically for Indian shopkeepers, small businesses, and other eligible users to receive voice alerts for UPI payment notifications and, where made available, to access loan facilitation services through our registered lending partners.

We prioritize your privacy and security by processing sensitive payment notification and transaction data locally on your device wherever applicable, while certain account, loan application, subscription, analytics, and technical information may be processed or stored as described in this Privacy Policy.

By using our application, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the application.

🔎 1. Information We Collect

1.1 Payment Notification Data

DhwaniPay reads UPI payment notifications from supported payment apps and SMS, where the required permission has been provided, to provide voice alerts. This may include:

• Transaction Amount: The payment amount contained in the notification.
• Timestamp: When the payment notification was received.
• Payment App Name: Which UPI application generated the notification, such as Paytm, PhonePe, Google Pay, BHIM, Amazon Pay, or another supported application.
• Transaction Status: Whether the payment was successful, failed, pending, or otherwise indicated in the notification.
• Transaction Type: Debit or credit.
• UPI Transaction ID: Transaction identifier used to differentiate transactions and provide accurate payment alerts.

1.2 Device Information

We may collect limited technical information about the device on which DhwaniPay is installed, including:

• Device manufacturer and model
• Android version
• App version
• Technical identifiers required for security, diagnostics, or crash analytics
• Anonymized or pseudonymized technical information where applicable

This information may be used to maintain compatibility, diagnose technical problems, improve application performance, and investigate crashes.

1.3 Usage Analytics

We may collect limited usage and technical analytics, including:

• App usage patterns
• Feature usage
• Crash reports
• Alert counts
• Technical performance information
• General interaction with application features

Where analytics are collected, we seek to limit the information to what is reasonably necessary for application improvement, security, diagnostics, and service administration.

Payment amounts and detailed transaction information are not intentionally transmitted as part of ordinary anonymous application analytics.

1.4 User Preferences and Settings

We may process information relating to your application preferences and settings, including:

• Language preference
• Voice settings
• Voice pitch
• Voice speed
• Voice type
• Alert customization
• Notification preferences
• Premium subscription status
• Other application preferences selected by you

1.5 Loan Application Information

DhwaniPay may provide users with access to loan facilitation services through banks, NBFCs, and other registered lending partners.

If you voluntarily choose to use the loan-related services, we may collect information required to facilitate your loan application and connect you with relevant lending partners.

Depending on the loan product and requirements of the relevant lending partner, the information may include:

• Name
• PAN details
• Aadhaar-related information, where lawfully required and permitted
• Income information
• Age
• Gender
• Mobile number
• Contact information
• Residential or business address
• Pincode
• Employment or business-related information
• Loan requirement information
• Other information reasonably required for the applicable loan application
• Documents or information specifically requested during the loan journey, where applicable

We will seek appropriate consent where required before collecting and sharing personal information for loan facilitation.

You are responsible for providing accurate, complete, and current information.

1.6 Our Role as a Loan Service Provider (LSP)

Where applicable, Mr Fincare Payment Solutions may act as a Loan Service Provider (LSP) or loan facilitation/service provider in relation to lending partners.

Our role is to facilitate the connection between users seeking loans and registered banks, NBFCs, and other lending partners with whom we have an arrangement.

We may assist with:

• Collection of information required for the loan journey
• Facilitating the loan application
• Connecting users with relevant lending partners
• Sharing relevant application information with authorized lending partners
• Facilitating communications relating to the application
• Providing loan-related information and application support

We are not the lender unless expressly stated otherwise.

We do not make the final decision regarding approval, rejection, sanction, pricing, tenure, or disbursement of a loan.

The relevant lending partner independently evaluates each application according to its own eligibility, credit, underwriting, verification, risk, and regulatory criteria.

1.7 Lending Partners

Loan applications may be facilitated through registered lending partners with whom we have an arrangement. Some of the lending partners with whom we may have an arrangement include:

• Lendingkart
• Axis Bank
• IDFC FIRST Bank
• Tata Capital
• WeRize
• Aditya Birla Capital

The list of lending partners may change from time to time.

The availability of a particular lending partner or loan product does not constitute a guarantee that you will qualify for or receive a loan from that lending partner.

The relevant lending partner may independently determine whether to accept, reject, or modify a loan application or offer.

1.8 Sharing of Loan Application Information

When you voluntarily use the loan facilitation service and provide the required consent, relevant information collected during the loan journey may be shared with appropriate registered lending partners for purposes including:

• Processing your loan application
• Assessing your eligibility
• Performing required verification
• Conducting credit or underwriting assessments
• Providing loan offers
• Communicating loan decisions
• Completing required KYC or other regulatory processes
• Facilitating loan disbursement where approved
• Providing other services directly related to the requested loan

We will not knowingly share personal information with unrelated third parties for unrelated purposes without an appropriate legal basis or consent, except where disclosure is required or permitted by applicable law.

The relevant lending partner may independently collect additional information directly from you.

1.9 Loan Consultancy / Service Fee

Where permitted under applicable law, regulatory requirements, and the contractual arrangements with the relevant lending partner, a one-time consultancy or service fee may apply for services provided in connection with loan facilitation.

Any applicable fee must be clearly disclosed to the user before the relevant transaction and handled in accordance with applicable regulatory requirements and the contractual arrangement governing the lending service.

Payment of any consultancy or service fee does not guarantee:

• Loan approval
• Loan sanction
• Loan disbursement
• Any specific loan amount
• Any specific interest rate
• Any specific tenure
• Any specific EMI
• Any specific lender

Where applicable digital-lending regulations require fees payable for LSP services to be paid by the regulated lending entity rather than directly by the borrower, the applicable regulatory requirement will prevail.

1.10 Loan Calculator and Illustrative Information

Any loan calculator, EMI calculation, estimated repayment amount, interest calculation, loan amount, tenure, or similar information displayed during the loan journey is provided solely for illustration and informational purposes.

Such calculations are estimates and should not be considered a loan offer, sanction, commitment, quotation, or guarantee.

The actual:

• Loan amount
• Interest rate
• APR
• EMI
• Tenure
• Processing fees
• Other charges
• Repayment schedule
• Other loan terms

will be determined by the relevant lending partner and disclosed to you through the applicable loan documentation.

1.11 What We Don’t Collect Through DhwaniPay’s Payment Alert Functionality

DhwaniPay does not collect or have access to the following solely for its payment-alert functionality:

• UPI PINs
• UPI passwords
• Bank account passwords
• Card PINs
• Card security credentials
• Your contacts or contact list
• Your location data
• Personal photographs or videos solely for payment-alert functionality

However, information may be requested during a separately initiated loan application where it is reasonably necessary for the loan journey and legally permitted, and appropriate consent will be obtained where required.

🎯 2. How We Use Your Information

We use the information collected for the following purposes.

2.1 Core Functionality

We use relevant information to:

• Process UPI payment notifications
• Convert payment notifications into voice alerts
• Maintain transaction history locally on your device
• Apply your selected language and voice settings
• Provide application functionality
• Track applicable alert usage and limits

2.2 App Improvement

We may use technical and analytics information to:

• Improve application performance
• Diagnose bugs
• Investigate crashes
• Improve voice-alert functionality
• Understand feature usage
• Improve application reliability
• Develop and test application features

2.3 Premium Subscription Management

We may use relevant information to:

• Verify premium subscription status
• Activate premium features
• Maintain subscription records
• Provide access to premium functionality
• Send service-related subscription notifications
• Process subscription-related requests

2.4 Loan Facilitation Services

Where you choose to use the loan-related services, we may use your information to:

• Create and facilitate your loan application
• Collect information necessary for the loan journey
• Connect you with relevant registered lending partners
• Share relevant information with those lending partners
• Facilitate eligibility assessment by the relevant lending partner
• Communicate application-related information
• Facilitate loan-related support
• Maintain appropriate records of your application
• Manage applicable service or consultancy arrangements
• Provide information about available loan products
• Facilitate communications between you and lending partners

We do not make the final lending decision.

2.5 Legal, Security and Compliance Purposes

We may process information where reasonably necessary to:

• Comply with applicable laws and regulations
• Respond to lawful requests from government authorities
• Prevent fraud or misuse
• Protect our systems
• Protect users and third parties
• Enforce our Terms & Conditions
• Resolve disputes
• Maintain required records
• Meet contractual or regulatory obligations

🔒 3. Data Storage and Security

3.1 Local Storage — On-Device Data

Payment transaction information used for DhwaniPay’s core functionality is stored locally on your device wherever applicable. This may include:

• Transaction history
• Transaction amounts
• Payment timestamps
• Payment application sources
• Daily, weekly, and monthly statistics
• User preferences
• Voice settings
• Alert settings

Where supported by the application, local data may be protected using encryption and appropriate application-level security measures.

This information is not intentionally transmitted to our servers merely for the purpose of maintaining your local transaction history.

3.2 Cloud Storage — Account, Loan and Service Information

Certain information may be stored in our cloud infrastructure where necessary to operate the service. This may include:

• User login mobile number
• Loan application details
• Loan application status
• Information required to facilitate lending-partner connections
• Premium subscription information
• Limited account/service information
• Required technical information

Loan application information is stored and processed for purposes including facilitating the loan application, sharing relevant information with authorized lending partners, maintaining application records, and administering the applicable service.

Where digital-lending requirements apply, relevant borrower data will be handled and stored in accordance with applicable regulatory requirements, including applicable requirements concerning data minimization, consent, security, and India-based storage.

3.3 Transaction Data and Photos

Transaction data associated with DhwaniPay’s payment-alert functionality is primarily processed and stored locally on the user’s device as described in this Privacy Policy.

Photos, videos, and other media stored on the user’s device are not uploaded to our cloud servers merely because you use DhwaniPay.

If a separate feature requires a user to voluntarily upload a document, image, or other information, the applicable purpose and processing will be disclosed at the relevant stage and handled subject to applicable consent and law.

3.4 Security Measures

We use reasonable technical and organizational measures designed to protect information against unauthorized access, alteration, disclosure, misuse, or destruction. Depending on the nature of the information, security measures may include:

• Encryption
• Access controls
• Authentication controls
• Secure application infrastructure
• Restricted administrative access
• Monitoring and logging
• Security updates
• Backup and recovery procedures

No method of electronic storage or transmission can be guaranteed to be completely secure.

📱 4. Permissions Explained

DhwaniPay requires certain Android permissions to provide its functionality.

4.1 Notification Access

Why we need it

Notification access enables DhwaniPay to read supported UPI payment notifications and generate voice alerts.

What we do with it

We process relevant notification information, such as transaction amount and status, to generate voice alerts.

We seek to limit processing to notifications relevant to supported payment functionality.

4.2 SMS Access

Why this permission is required

Where enabled and permitted, DhwaniPay uses SMS access to identify bank and payment-related SMS messages and provide real-time payment voice notifications.

How SMS data is used

The application may read payment-related SMS messages from banks and payment service providers. Relevant transaction information may include:

• Transaction amount
• Transaction type
• Transaction status
• Other limited information necessary to identify the payment event

Data Storage and Sharing

SMS information used for payment-alert functionality is processed locally on the user’s device wherever technically applicable.

We do not intentionally upload complete SMS messages to our servers for payment-alert functionality.

SMS information is not shared with third parties for unrelated purposes.

4.3 Modify Audio Settings

Why we need it

This permission may be required to play voice alerts at appropriate volume levels.

What we do with it

It may be used to adjust audio volume and support compatible Bluetooth/audio devices.

4.4 Prevent Phone from Sleeping

Why we need it

This functionality helps ensure that voice alerts can operate when the device screen is off, subject to Android operating-system restrictions.

4.5 Internet Access

Why we need it

Internet access may be required for:

• Account services
• Loan application services
• Communication with lending partners
• Subscription verification
• Analytics
• Crash reporting
• Application updates or service configuration

Internet access does not mean that locally stored payment transaction data is automatically uploaded to our servers.

4.6 Loan-Related Permissions and Information

If a loan journey requires additional information or permissions for lawful KYC, onboarding, verification, or application processing, the relevant purpose will be disclosed to you before collection or access where required.

We will seek the applicable consent and limit collection to information reasonably necessary for the stated purpose.

🔗 5. Third-Party Services

DhwaniPay integrates with certain third-party services.

5.1 Google Firebase

We may use Google Firebase services including:

• Firebase Analytics
• Firebase Crashlytics
• Other Firebase services required for application infrastructure

Firebase services may process technical and analytics information according to their applicable terms and privacy practices.

5.2 Android Text-to-Speech

DhwaniPay may use the Android device’s built-in Text-to-Speech functionality.

This may include Google TTS or another TTS engine installed on the device.

The processing of text by a TTS provider may be subject to that provider’s own privacy practices.

5.3 Subscription Payment Services

Premium subscription purchases may be processed through applicable payment or app-store/payment-gateway partners.

Payment information may be handled directly by the applicable payment provider according to its terms and privacy policy.

We do not require your UPI PIN or card PIN to process a DhwaniPay subscription.

5.4 Lending Partners

If you choose to use loan facilitation services, relevant loan application information may be shared with registered lending partners for the purposes described in this Privacy Policy.

The lending partners may include, subject to availability and applicable arrangements:

• Lendingkart
• Axis Bank
• IDFC FIRST Bank
• Tata Capital
• WeRize
• Aditya Birla Capital

The lending partner may independently process your information under its own privacy policy and applicable regulatory obligations.

You should review the applicable lending partner’s privacy policy and loan documentation before entering into a loan agreement.

5.5 Other Service Providers

We may use service providers for hosting, security, analytics, communications, application infrastructure, customer support, compliance, or other services necessary to operate DhwaniPay.

Such providers may receive only the information reasonably necessary to perform their contracted services and are expected to handle information in accordance with applicable contractual and legal requirements.

🗄️ 6. Data Retention

6.1 Local Data

Transaction history stored locally on your device may remain until:

• You log out and log in again where the application’s logout process clears applicable local data
• You manually delete the relevant data
• You enable an applicable auto-cleanup feature
• You uninstall the application
• You delete your account
• The application otherwise removes the data according to its functionality

6.2 Loan Application Data

Loan application information may be retained for as long as reasonably necessary for:

• Facilitating the loan application
• Maintaining application records
• Communicating with lending partners
• Providing customer support
• Resolving disputes
• Meeting contractual requirements
• Complying with legal or regulatory requirements
• Preventing fraud or misuse

Retention periods may vary depending on the nature of the information and applicable legal or regulatory requirements.

6.3 Analytics Data

Anonymous or appropriately minimized analytics and technical data may be retained for a reasonable period necessary for application improvement, security, diagnostics, and compliance.

🛡️ 7. Your Rights and Choices

Subject to applicable law, you may have rights regarding your personal information, including:

7.1 Access

You may request information regarding personal data processed by us, subject to applicable legal limitations.

7.2 Correction

You may request correction of inaccurate or incomplete personal information.

7.3 Deletion

You may request deletion of personal information where permitted by applicable law and subject to legitimate retention requirements.

7.4 Consent Withdrawal

Where processing is based on consent, you may withdraw your consent, subject to applicable law and the consequences of withdrawing consent.

For example, withdrawing permission required for notification access or SMS access may prevent certain DhwaniPay features from functioning.

7.5 Loan Data Consent

Where required, you may exercise applicable choices regarding the collection, use, sharing, or retention of your loan application information.

Withdrawal of consent may affect our ability to continue facilitating a loan application or providing a related service.

7.6 Disable Permissions

You may disable applicable Android permissions through your device settings.

Disabling permissions required for DhwaniPay’s functionality may prevent certain features from working.

7.7 Delete Account

You may request or initiate account deletion through available application functionality.

Certain information may need to be retained where required by applicable law, regulatory requirements, contractual obligations, fraud prevention, dispute resolution, or legitimate record-keeping requirements.

👤 8. Children’s Privacy

DhwaniPay is intended for users aged 18 years and above.

We do not knowingly provide loan facilitation services to persons who are not legally eligible to enter into the relevant financial transaction.

We do not knowingly collect personal information from children for the purpose of providing DhwaniPay services.

If you believe that information relating to a child has been improperly collected, please contact us.

🌐 9. International Data Transfers

DhwaniPay is primarily designed for users in India.

Where applicable laws or regulatory requirements governing digital lending require borrower or loan-related data to be stored in India, we will handle such data in accordance with those requirements.

Certain third-party technical or analytics services may process limited technical information according to their applicable infrastructure and privacy practices.

⚖️ 10. Loan Disclaimer

DhwaniPay is a loan facilitation platform/LSP where applicable and is not itself a lender unless expressly stated otherwise.

We do not guarantee:

• Loan approval
• Loan sanction
• Loan disbursement
• Loan amount
• Interest rate
• APR
• EMI
• Tenure
• Processing time
• Disbursement time
• Eligibility
• Any specific loan terms

The relevant lending partner independently determines whether to approve, reject, or modify an application.

Any loan offer, sanction, agreement, Key Fact Statement (KFS), APR, repayment schedule, interest rate, fee, charge, or other contractual term communicated by the lending partner will govern the actual loan transaction.

The loan calculator available through DhwaniPay is for illustration only.

🔄 11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We may notify users of material changes through:

• Updating the “Last Updated” date
• In-app notifications
• Notices within the application
• Other appropriate communication channels

Where required by applicable law, we may seek renewed consent for material changes affecting the processing of personal information.

📩 12. Contact Us

If you have questions, concerns, requests, or complaints regarding this Privacy Policy or the processing of your personal information, please contact us:

Email: contact@dhwanipay.com

Company: Mr Fincare Payment Solutions

Address:
1ST FLOOR, NO 12,
Kothnur Dinne Main Rd,
Nrupathunga Nagar, JP Nagar 7th Phase,
Bengaluru, Karnataka 560078

✅ 13. Consent

By downloading, installing, accessing, or using DhwaniPay, you acknowledge that you have read and understood this Privacy Policy.

Where consent is required for specific data collection or sharing, you will be provided with the applicable consent mechanism.

By voluntarily proceeding with a loan application, you acknowledge that relevant information may be collected and, subject to applicable consent and law, shared with registered lending partners for the purpose of facilitating and processing your loan application.

If you do not agree with this Privacy Policy, please discontinue use of the relevant DhwaniPay services.