Privacy policy

This policy explains what personal data DharaIQ handles, why, and the choices you have.

Who we are

DharaIQ is operated by DharaIQ Technologies, registered as a micro enterprise (Udyam UDYAM-DL-06-0234179) ("DharaIQ", "we", "us"). For any question about this policy, write to support@dharaiq.in.

What this policy covers

This policy covers two things:

• This website. The pages you are reading and the demo request form.
• The DharaIQ platform. The web portal and the API that lenders use to analyse bank statements.

When a lender sends us bank statements, the lender decides why and how that data is used, and we process it on the lender's instructions under our agreement with them. If you have a question about a statement a lender holds about you, ask that lender first; we will help them answer.

Data we collect on this website

When you request a demo we collect what you type into the form: your name, work email, company, phone number, and, if you add them, your role and a message. We also record your consent, the page you sent the form from, the language you used, campaign tags in the link you followed (for example utm_source), the website that referred you, and a one-way hash of your IP address. We use the hash to stop automated and repeated submissions; we do not keep your IP address itself.

When you browse. This website does not set cookies, does not use advertising or analytics trackers, and does not store anything in your browser. Our servers keep standard technical logs (such as the page requested and the time) to run and protect the service.

Data we process on the platform

Lenders upload bank statement PDFs through the portal or the API. A statement contains personal data such as names, account numbers, addresses, contact details and transactions.

• Masking before AI. Personal details are masked before any part of a statement reaches a language model. If masking cannot be done, the statement is not processed.
• What we produce. Structured cash-flow signals, a tamper screen and a Financial Health Score, returned to the lender who sent the statement.
• No automated decisions. DharaIQ supports a credit team's review. It does not approve, reject or disburse loans; the lender's people make that decision.
• Account data. For people who use the portal or the API we keep account details (name, work email, team, role), API key records and an audit trail of significant actions.

Why we use your data

• To reply to your demo request and arrange a demo.
• To provide, secure and support the platform for the lenders who use it.
• To keep an append-only trace of decisions and actions, so a lender's auditors can follow what happened.
• To bill customers (wallet or postpaid) and issue invoices.
• To meet our legal obligations.

We do not sell personal data, and we do not use statement data to advertise to anyone.

Who we share it with

• The lender who sent a statement receives the results for that statement.
• Service providers who host, run or secure the platform, and the language model provider, which only ever receives masked data. Each works under a written agreement.
• Authorities, when the law requires it.

How long we keep it

• Demo requests: 24 months from the request.
• Statements and results: as agreed with the lender in our contract, then deleted.
• Account and audit records: for as long as the account is active and as required by law afterwards.

How we protect it

Access to the platform uses scoped API keys and role-based permissions. Personal details are masked before AI processing, processing stops if masking fails, and significant actions are recorded in an append-only trace. No method of storage or transfer is perfectly secure, so we also review and improve these controls over time.

Your choices and rights

Subject to applicable data protection law, you may ask us to:

• tell you what personal data we hold about you and how we use it;
• correct or complete it;
• delete it, where we no longer need it;
• withdraw consent you gave on this website;
• nominate someone to act for you.

Write to support@dharaiq.in. If your request is about a statement a lender sent us, we will pass it to that lender and help them respond.

Grievances

If you are not satisfied with how we handled your data, contact our grievance officer at support@dharaiq.in. We will acknowledge your complaint and reply in writing.

Changes to this policy

We will update this page when our practices change and show the date of the latest version at the top.