Last updated on: 2 Sept 2022

This privacy policy is an electronic record under information Technologies act, 2000 and rules made thereunder.

Please read this privacy policy carefully. By using the website and associated mobile applications, you indicate that you understand and agree to this privacy policy. If you do not agree with this privacy policy, please do not proceed further to use this website and associated mobile applications. You hereby provide your unconditional consent or agreements to DS Finworld Pvt. Ltd (hereinafter referred to as “Afinoz“) as provided under the information Technologies act, 2000.

This Privacy Policy may be amended/updated from time-to-time. We suggest that you regularly check this Privacy Policy to apprise yourself of any updates. Your continued use of Website or provision of data or information thereafter will imply your unconditional acceptance of such updates to this Privacy Policy.

We, at DS Finworld Pvt. Ltd. (Afinoz website and Afinoz App) respect the privacy of everyone who visits this website and are committed to protecting their personal information. This Privacy Policy applies to all visitors and customer of our website and app.
For the purpose of this Privacy Policy, the term 'You' or 'User' shall mean any natural or legal person including online and offline clients visiting this website and the term 'We', 'Us', 'Our' shall mean DS Finworld Private Limited ('Afinoz') along with our subsidiaries (if any).
Afinoz (“Website” and “Mobile App”) recognizes the importance of maintaining your privacy. is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how collects and handles certain information it may collect and/or receive from you via the use of this Website. This Privacy Policy applies to current and former visitors to our Website. By visiting and/or using our website, you are accepting and consenting to the practices described in this Privacy Policy. This Privacy & Security Policy (hereinafter referred to as “Policy”) therefore, explains how we protect your personal information provided to us on our website and App. This policy is applicable to “ Afinoz website” and “Afinoz App”. This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws and regulations that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.

By using or continuing to use the Website you agree to our use of your information (including sensitive personal information as defined under the Information Technology Act, applicable rules, notification etc.) in accordance with this Privacy Policy, as may be amended from time to time by Website in its discretion. If, however, you object to your Information being used, processed and transferred by Afinoz in any manner, please do not share your information on the website.

1. Controllers of Personal Information

Your Personal data/information will be stored and collected by Afinoz (DS Finworld Private Limited) along with its parent company (including its, representatives, affiliates, and its business partners).

2. What Personal Information About You We Gather

The information we learn from customers helps us personalize and continually improve your experience at the Website.
Here are the types of information we gather:
a)- First Name
b)- Middle Name
c)- Last name
d)- Gender
e)- Date of birth
f)- Pan card number
g)- Aadhaar card number
h)- Residence type
i)- Address line 1
j)- Address line 2
k)- Pincode
l)- City
m)- State
n)- Business type
o)- Business name
p)- Firm's incorporation date
q)- Office address 1
r)- Office address 2

Please be informed that we do not save and authorize Aadhaar and PAN card.

We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.
We receive and store certain types of information whenever you interact with us. For example, like, we use "cookies" and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.
We might receive information about you from other sources and add it to our account information.

3. How do We Use the Information collects your information when you register for an account, when you use its products or services, visit its Website's pages. When you register with, you are asked for your first name, last name, state and city of residence, email address, date of birth, and sex. Once you register at the Website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMS, notifications about our services to your wireless device. Hence, by registering you authorize the (including its business partners and affiliates) to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMS, even if you have registered yourself under DND or DNC or NCPR services. Your authorization shall be valid as long as your account is not deactivated.
Assist our business partners in facilitating and delivering services to you, process payments and your applications, communicate with you about products, services and promotional offers.
Respond to queries, or requests submitted by you, and resolve your grievances/issues/problems with any services supplied to you
Administer or otherwise carry out our obligations in relation to any agreement with our business partners.
Send you information about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom has a tie-up.
Use your information for internal analysis and to provide you with location-based services, such as advertising, search results, and other personalized content. Use this information to improve our platform, prevent or detect fraud or abuses of our Website and enable third parties to carry out technical, logistical or other functions on our behalf. We may combine information we get from you with information about you we get from third parties.
Send you notices, communications, and recommend services that might be of interest to you update our records and generally maintain your accounts with us, display content and customer reviews.
As otherwise provided in this Privacy Policy.
Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.
You also agree and consent to us collecting, storing, processing, transferring and sharing information (including sensitive personal information) related to you with third parties or service providers for the purposes as set out in this Privacy Policy.

4. Information Sharing and Disclosure will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. For the purposes of this paragraph "affiliate" means any person, company, or directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with (The term "control," as used in the preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity).
We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your Account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services and we require such third parties to maintain the confidentiality of the information we provide to them, under our contracts with them. We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law. There are number of financial products/services offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. is not responsible for their privacy policies. We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services.

5. We Collect Cookies

A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Session ID cookies may be used by to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.
Most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the website of its manufacturer.
However, because cookies allow you to take advantage of some of the Website’s essential features, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you may not able to use any Website products and services that require you to Sign in.

6. Log Files

Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

7. How we secure your Personal Information understands that the confidentiality, integrity, and availability of your information are vital to our business operations and our own success. We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your customer id, application id, login id and password, and may not provide these credentials to any third party.
However, the security of your Personal Information is important to us. Afinoz strives to ensure the security of your Personal Information and to protect your Personal Information against unauthorized access or unauthorized alteration, disclosure or destruction. For this purpose, Afinoz adopts internal reviews of the data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where Afinoz stores your Personal Information. Afinoz Technologies shall adopt reasonable security practices and procedures as mandated under applicable laws for the protection of your information. Provided that your right to claim damages shall be limited to the right to claim only statutory damages under Information Technologies Act, 2000 and you hereby waive and release Afinoz from any claim of damages under contract or under tort.
Afinoz may share your information to third parties under a confidentiality agreement which inter alia provides for that such third parties not disclosing the Information further unless such disclosure is for the purpose. However, Afinoz is not responsible for any breach of security or for any actions of any third parties that receive your Personal Information. Afinoz not liable for any loss or injury caused to you as a result of you providing your Personal Information to a third party (including any third party websites, even if links to such third party websites are provided on the website).
Notwithstanding anything contained in this Policy or elsewhere, Afinoz shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a force majeure condition which is beyond the reasonable control of Afinoz.
You agree that all Personal Information shall be retained till such time required for the purposes or required under applicable law, whichever is later. The Non-Personal Information will be retained indefinitely.

8. What Is Your Control Over Your Personal Information That’s Collected And Used Online

It's important to note that the information we use about you helps us provide with products, services and experiences that benefits you. You have the ability to control how your non-personal information is collected and used online.
You also have the ability to choose what personal information, including what sensitive personal information (i.e. your financial information) you provide to us. However, if you choose not to provide all of the information and data that is requested of you, we may not be able to provide you with the Services that you have subscribed to.
You may, at any time while availing of our Services or otherwise, withdraw the consent given earlier to us to collect and use your sensitive personal data or information by writing to us at However, in the case of you withdrawing such consent, shall have the option to stop providing you the Services for which the information was sought. You will not be eligible for refund of any fees paid for any service in such event and you agree that the Website shall not be liable to you for the same in any manner whatsoever.
When you provide your contact details, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.
We believe you should be able to choose what kinds of information you receive via email/SMS. If you do not want to receive marketing materials by email/SMS, just indicate your preference on the contact information for your account or the 'opt-out' or unsubscribe link provided in our marketing emails and you can also write to us at Please note that it may take about 10 days to process your request. Please keep in mind that we will continue to notify you by email /SMS/via phone calls regarding your services with us, even after you have opted out.
You can review the information that you have provided to us by logging into your account at the Website and correct or amend any personal information or sensitive personal data or information to ensure that the information or data you provided us is accurate and/or not deficient. is not responsible for the authenticity of any personal information or sensitive personal data or information supplied to it by you or any third party.

9. Third-Party Advertisers and Links to Other Websites

Third Party Advertising
We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this Website in order to provide advertisements on this Website and other third party websites about goods and services that may be of interest to you.
We use third-party service providers to serve ads on our behalf across the internet and sometimes on this Website. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.
Links to Other Websites:
There might be affiliates or other sites linked to Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these websites when you visit them.


(i) We follow generally accepted standards to protect the PI submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at

(ii) We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Afinoz online accounts and systems from unauthorized access.

(iii) When you register for the Service, Afinoz requires a password from you for your privacy and security. Afinoz transmits information such as your login credentials for Website or Account Credentials securely.

(iv) Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures. Security personnel monitor the facilities 7 days a week, 24 hours a day.

(v) Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.

(vi) We enforce physical access controls to our buildings. No employee can put PI on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop). We permit only authorized employees who are trained in the proper handling of customer information, to have access to aforesaid PI.

(vii) Afinoz has been verified for its use of SSL encryption technologies.

In Case of a Security Breach:
Procedures are in place for reporting, recording, investigation and closure of security breaches. Security incidents are analysed, and preventive/corrective actions taken to minimise recurrence of an incident. Action to correct and recover from security breaches and system failures are controlled. Security breach response process includes ensuring that clearly identified and authorised staff are allowed access to production systems and data. All emergency actions taken are documented in detail. Emergency action is reported to management and reviewed in an orderly manner. The integrity of business systems and controls is confirmed with minimal delay. Audit trails and similar evidence are collected and secured, as appropriate, for: 1) Internal problem analysis. 2) Use as evidence in relation to a potential breach of contract, breach of regulatory requirement or in the event of civil or criminal proceedings, e.g. under Copyrights Act, Information Technology Act; 3) Negotiating for compensation from software and service suppliers. 4) Settlement of Insurance claims, wherever applicable.

During security incidents, all the relevant stakeholders (both internal and relevant partners) are informed and provided with the status updates they need in a streamlined format with status updates and relevant information that works best for them. Identifying key stakeholders during incidents is done based on the incident severity by the Management. A follow-up analysis of the incident is performed after an incident has been fully handled. A security incident report is prepared by a person designated by the incident co-ordination team and distributed to the top Management for advice and action.


All communications between your computer/mobile and our Website that contain any PI are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.


(i) You are responsible for maintaining the security of your login ID and Password and must not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at We are not responsible if someone else accesses your account through the login credential they have obtained from you or through a violation by you of this Privacy and Security Policy or the Afinoz Terms of Use.
(ii) If you have any security related concern, please contact us at We will work closely with you to ensure a rapid and personal response to your concerns.

13. OPT-OUT:

In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested in the below table, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at from your email address registered at Afinoz. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s). The details to be submitted for opting-out shall be as below:

First Name*
Last Name*
Mobile Number #
Landline Phone Number
* Mandatory fields
# Please enter your 10-digit mobile number.

If you wish to have all your details permanently deleted from our database, please email along with your full name, mobile number and email address. All your details will be permanently deleted and the same confirmed to you via email within 15 working days.

14. Changes in this Privacy Policy reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

15. Grievance Officer

In case you have any grievances or want to address any discrepancy with respect to the processing of any of the information/data you provided to, please contact our Grievance Officer. The name and contact details of the Grievance Officer are provided below:
Mr. Himanshu,
DS Finworld Private Limited,
Ground Floor, H-150, Sector 63, Noida-201301
If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our Contact Us page or at