Account & Data Deletion Policy

Effective Date: January 26, 2026

Dhairya Management Services Pvt Ltd (Abhirupee) respects your right to control your personal information. This page explains how you can request deletion of your account and associated personal data, even if you never created a full customer login, and the conditions under which we may retain certain information.

1. How to Request Deletion

You can request deletion at any time—whether you created a loan account or only shared data for a credit check.

Steps:

1. Send an email from your registered email ID to dmstech006@gmail.com
2. Subject line: Account/Data Deletion Request
3. Provide the following for verification:
   • Full Name
   • Registered Mobile Number
   • Last 4 digits of Loan / Customer ID (if any)
   • Last 4 digits of a Government ID used for KYC
4. We will acknowledge your request within 7 days and complete eligible deletion within 30 days, except for data we are legally required to retain.
5. If you do not have an account but believe Dhairya Management Services Pvt Ltd (Abhirupee) has processed your information (for example, during a credit eligibility check), include the phone number or email used so that we can locate your records.

2. What Will Be Deleted

• Profile details, contact information, and login credentials
• Financial and credit data held by Dhairya Management Services Pvt Ltd (Abhirupee) that are not subject to legal retention
• Device and technical data collected through our mobile app
• Deletion covers active systems and backups. Backup copies are purged automatically within 90 days of primary deletion.

3. Data We May Need to Retain

We may retain specific information only as long as required by law or regulation, including but not limited to:

• Loan and repayment records, KYC documents, tax invoices, and credit-bureau submissions – up to 10 years as mandated by the Reserve Bank of India, Income-Tax Act, and the Digital Personal Data Protection Act 2023.
• Information needed for fraud detection, dispute resolution, or legal claims.
• Such retained data will be used solely for these purposes and then securely deleted.

4. Outstanding Obligations

If you have an active loan or unpaid dues, deletion will be paused until all obligations are settled. You may still submit the request; we will notify you of any pending requirements.

5. Confirmation

Once your request is fulfilled, you will receive a final confirmation email stating that your account and associated personal data (except legally retained records) have been deleted.

6. Contact & Grievance Redressal

Email: dmstech006@gmail.com
Phone: +91 9619821983
Grievance Officer: Ms. Kunjal Gala
Registered Office: 2nd floor, Plot No.36, Opp. St. Joseph's High School, Pushpa Park, Daftary Road, Malad (East), Mumbai, Maharashtra, India - 400097

Consent & Updates

By submitting a deletion request you confirm that you understand the conditions above. This page may be updated from time to time; the latest version will always be available at https://www.abhirupee.com/account-deletion