Privacy Policy

Last Updated: [20/10/2025]

1. Introduction
M/S DREAM ASSOCIATE  is a registered collection agency providing
debt recovery and field collection services on behalf of banks, NBFCs, and financial
institutions. We are committed to protecting the privacy of customers, clients, and
employees by ensuring that all personal data is collected, processed, and used
responsibly and lawfully in accordance with applicable data protection regulations.

2. Information We Collect
We may collect personal information such as name, address, contact details, identification
data, loan information, payment history, and communication logs related to our services.

3. Purpose of Data Collection
Your data is collected to verify identity, process loan or recovery cases, contact customers
for overdue payments, maintain accurate collection records, and comply with legal
requirements.

4. Data Protection & Security
We maintain secure systems to protect data from unauthorized access. Only authorized
personnel can access data for operational purposes under strict confidentiality obligations.

5. Data Sharing
We do not sell or disclose personal data for commercial use. Data may be shared only
with partner banks, NBFCs, regulatory bodies, or authorized IT service providers under
confidentiality agreements.

6. Customer Rights
Customers have the right to access, correct, or request deletion of their data as per
applicable laws. They may also withdraw consent for data use, subject to contractual
limitations.

7. Data Retention
We retain customer data only for as long as necessary for operational, legal, or
compliance purposes. Once the retention period ends, data is securely deleted or
anonymized.

8. Compliance & Ethical Standards

M/S DREAM ASSOCIATE follows RBI and data protection laws and ensures all collection
practices are conducted respectfully and lawfully.

9. Updates to This Policy
We may revise this Privacy Policy periodically. The updated version will be available on
our official platforms or upon request.

10. Contact Us

For any privacy-related inquiries, please contact:

M/S DREAM ASSOCIATE