Last Updated: March 20, 2026
Welcome to Dhruv Guides
(https://dhruvguids.com/). For us, your trust and privacy are our top priorities. On this page, we have clearly explained what information we collect when you use our site and how we use it. We want you to benefit from our financial information without any worries. Please read this carefully.
1. What Information Do We Collect?
We do not collect any unnecessary data. We only ask for information that is essential to provide you with better financial services:
- Contact Details: When you fill out any form on our site, we collect your Name, Mobile Number, and Email.
- Financial Profile: To suggest better loan or credit card offers, we may ask for your Age, Monthly Salary, Occupation, and Credit Score related queries.
- Eligibility Details: To provide accurate information regarding Government Schemes, we may ask for basic details like your State and Category (General/OBC/SC/ST).
- Direct Contact: If you email us directly, any information you provide stays safe with us.
2. How Do We Use Your Data?
Your data is used only for the following purposes:
- To operate the website and improve its features.
- To suggest suitable banking products based on your salary, profile, and CIBIL/Credit Score.
- To help check your eligibility for various Government Schemes.
- To send you new financial updates or important information.
- Leads and Connection: Our goal is to connect you with the right bank or financial partner to make your process easier.
3. Data Sharing: Who Do We Share Information With?
To get you the best deals in the finance niche, we work with certain authorized partners. We may share your data (Salary, Age, Email, Phone No.) with:
- Government Registered Banks and NBFCs.
- Financial Service Providers (those who process loans or cards).
- Affiliate Partners (those who provide the best financial deals).
Please Note: We do not sell data to random third parties. We only share details with those who prioritize data security. When you click “Submit” on our forms, you give us your consent to perform these actions.
4. KYC and Sensitive Data (PAN/Aadhar)
Dhruv Guides never asks its readers for their PAN Card, Aadhar Card, OTP, or Bank Passwords. When you click on our partner links (Banks/NBFCs) and visit their official websites, any KYC documents (like PAN/Aadhar) you submit there go directly into that bank’s secure system. We can neither see nor store that data. Our job is simply to guide you to the right platform.
5. Affiliate and Referral Disclosure
We work as Affiliate or Referral partners with several financial institutions. When you apply for a loan or credit card through our link and it gets approved, we may receive a small commission. This does not affect your fees or loan amount in any way; rather, it helps us keep this website running.
6. Cookies and Log Files (Technical Information)
Like other major websites, we use Cookies. This is not for surveillance; it simply helps us understand what content people like to read on our site so we can bring better content and new features.
7. Google AdSense and Advertising
We use Google AdSense to show ads on our site. Google uses “DART Cookies” to show relevant ads based on your interests. If you wish, you can manage this by visiting Google’s official site.
8. You Have Full Rights Over Your Data
As our user, you have the following rights:
- You can ask at any time what data we have about you.
- If any information is incorrect, you can get it corrected.
- If you want us to delete your data from our system, you can send a request to hemkumar28312831@gmail.com.
9. How to Contact Us?
If you have any doubts or questions regarding your privacy, please email us directly. We will be happy to assist you:
Email: hemkumar28312831@gmail.com
Thank you for visiting our site and placing your trust in us.