Privacy Policy

Please find our Privacy Policy below, which explains how we obtain, use and keep your personal data safe.

Your personal data is data that you have provided to us or with other data available to us publicly or via other partners, which can be used to identify you.

Privacy laws including the EU General Data Protection Regulation (GDPR) have been created to regulate how businesses and other organisations collect, store, protect and use personal information entrusted to them.

Our Responsibilities:

Keeping your personal information safe is a priority for us, and we continually invest in new technologies to protect your data and keep it safe.

1. Dhigna will always respect your privacy, and we are constantly working to ensure we meet both the spirit and the word of the strict regulations around data privacy.

2. Dhigna will never sell your data to third parties; we want you to be confident that the personal information you share with us is protected from misuse.

3. If we use your personal information, we will ensure that our communication with you is useful, relevant, and timely.

We know how important your privacy is – protection of your personal information is of highest priority to us.

Our privacy principles

Globally, most privacy legislation contains similar obligations and we have embedded key principles in our personal information processing activities to align with them:

Lawfulness, fairness, and transparency – Dhigna will inform people about how their personal information will be used and not use it in a way that is inherently ‘unfair’. We present an overview of our approach to data protection and privacy on our website and these pages are constantly reviewed.

Purpose limitations – Dhigna will only collect personal information for specified purposes and not use it for unrelated purposes.

Data Minimisation – Dhigna will collect only relevant personal information and not collect excessive or irrelevant personal information.

Accuracy – Dhigna has procedures to maintain accuracy of the personal information it collects or handles. It updates the information as and when required.

Storage limitations – Dhigna will hold your personal information only for the necessary period.

Integrity and confidentiality – Dhigna will ensure the use of appropriate security to protect your personal information from unauthorised access, use and loss.

The Information We Collect:

The types of personal information we collect, and share depend on the product or service you have with us. This information can include:

Name Address Mailing or Email address Phone number Date of birth Job title/role description Deposit product information Social Security (NI) number and income Credit history and credit scores and other personal information you may provide.

Dhigna will update you if providing some personal data is optional, including if we need to ask for your consent to process it.

In all other cases, if you fail to provide the requested personal data, we may be unable to process or respond to your application, query, or service request.

We’ll collect personal data directly from you when you use this website. Where you go through an application process with us, we may collect some of your personal data indirectly, from other sources as well.

If you provide another individual’s personal data, you must have the authority to provide their personal data to us. You are also required to share this Privacy Policy and any related data protection statement with them beforehand with details of what you’ve agreed on their behalf.

How do we use your personal data ?

We will only collect and use your data where there is a legal reason for doing so. The most common reasons are:

1. - To meet legal / regulatory requirements; or
2. - Where we have a legitimate interest in processing your personal data. For example, ensure the effective functioning of our business, to carry out administrative functions or to protect our business.

Your personal data may be stored and processed by us in the following ways and for the following purposes:

• To allow clients and prospective clients to use and access Dhigna Limited Products and Services;
• To set up / on-board prospective clients to use Dhigna Limited Products and Services;
• To keep our records up to date;
• To monitor IT systems in order to protect against cyber threats or malicious activity including abuse and misuse;
• To protect our premises from unauthorised access or use, or any unlawful activity;
• To administer or maintain IT systems to uphold standards of service;
• For ongoing review and improvement of the information provided on Dhigna Limited Website to make it user friendly and prevent potential disruptions or cyber attacks;
• To understand feedback on Dhigna Limited Products and Services and to help provide more information on the use of these products and services quickly and easily;
• For the management and administration of our business;
• In order to comply with and assess compliance with applicable laws, rules and regulations, and internal policies and procedures.

How long do we keep your personal data?

We will keep your personal information for as long as you are a customer of Dhigna Limited.

We may keep your data for up to 6 years after you stop being a customer. The reasons we may do this are:

• To respond to a question or complaint, or to show whether we gave you fair treatment.
• To study customer data as part of our own internal research.
• To obey rules that apply to us about keeping records. For example, the Money Laundering Regulations require us to retain certain data for a minimum of 5 and a maximum of 10 years.

We may also keep your data for longer than 6 years if we cannot delete it for legal, regulatory, or technical reasons.

Dhigna will not retain your personal information for longer than necessary.

Third-party links and services

Our Sites may contain links to third-party websites and services. When you use a link to go from our Sites to another website or you request a service from a third party, this Privacy Policy no longer applies.

Your legal rights

You have certain rights in accordance with applicable data protection law, these rights are:

· Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

· Request correction of the personal data that we hold about you. This enables you to correct incomplete or inaccurate data we hold about you, though we may need to verify the accuracy of the new data you provide to us.

· Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing.

· Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is a situation where you want to object to processing as it impacts your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which overrides your rights and freedoms.

· Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:

· If you want us to establish data’s accuracy. · Where our use of the data is unlawful, but you do not want us to erase it. · Where you need us to hold the data even if we no longer require it as you need it to establish, exercise, or defend legal claims. · You have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

How to Contact us?

If you have any questions about this Privacy Policy or want to exercise your rights set out in this Privacy Policy, please contact us by:

Sending an e-mail to; or

Writing to us at: info@dhigna.com

Further Information

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you have the right to complain to the Information Commissioner’s Office at https://ico.org.uk/. It has enforcement powers and can investigate compliance with data protection laws.

Changes to this Policy

Any changes we make to our Privacy Policy in future will be posted on this website and where appropriate. Please check back frequently to see any updates or changes to our Privacy Policy.