DPDP for the Sales department in BFSI

Only with specific consent for that purpose. Account opening terms do not count as consent to receive offers or to have data shared with a partner insurer or fund house. Service messages about the customer's own account are different and do not need marketing consent.

Section 6 needs specific consent for each purpose. Section 5 needs a notice that names the purpose. Section 6 · Section 5 · Rule 3 · Section 8(1)–(2)

1. Separate service messages from offers in your systems.
2. Ask consent for offers and partner sharing separately, by channel.
3. Record consent by purpose and partner.
4. Check the record before each campaign.
5. Pass withdrawals to partners the same day.

• Consent records by purpose and partner
• Campaign approval with consent check
• Withdrawal logs

• Using account terms as consent
• Partners calling from their own lists
• Withdrawal not reaching partners

Only what you need, with explicit consent. RBI's Digital Lending Directions already bar access to contacts, files, media and call logs, and allow one-time access to camera, microphone or location for onboarding or KYC. DPDP adds a notice, the right to withdraw and the right to know what was collected.

Section 6 needs consent limited to what is necessary. RBI's Digital Lending Directions, 2025 set specific limits. Section 6 · Section 5 · Rule 3 · Section 8(5) · Rule 6

1. List every permission the app asks for.
2. Remove permissions not needed.
3. Ask camera and location only at the KYC step.
4. Show the notice in the app before sign-up.
5. Check partner apps the same way.

• Permission list with reasons
• App store listing
• Partner app review

• Contacts permission for 'reference checks'
• Third-party analytics SDKs collecting device data
• Partner apps not reviewed

Marketing needs consent that is separate and specific, unless the person clearly expects it from the relationship. Bought or scraped lead lists are risky because you cannot show consent. Every message should carry an easy way to stop.

Telemarketing must follow TRAI's preference rules as well as DPDP consent.

Section 6 sets the consent standard. Section 5 needs a notice. Section 9 bars targeted advertising at children. Section 6 · Section 5 · Rule 3 · Section 9 · Rules 10, 12

1. Separate service messages from marketing messages.
2. Ask marketing consent separately, with a clear action.
3. Stop using bought lists unless the seller can show consent for you.
4. Add an easy stop option to every message.
5. Respect the telecom preference rules for calls and SMS.

• Marketing consent records
• Lead source records
• Stop requests and their handling

• Treating account sign-up as marketing consent
• Agency lists with no consent proof
• A stop option that does not work

For every use of personal data you need one basis: consent, or one of the legitimate uses in Section 7, such as a legal duty, employment, a medical emergency, or data a person gave voluntarily for a specific purpose. Anything beyond what the person expects, such as marketing, profiling or sharing with partners, usually needs consent.

KYC is a legal duty. Loan servicing uses data the customer gave for the loan. Cross-selling insurance needs separate consent.

Section 4 allows processing only with consent or for a legitimate use. Section 6 sets what valid consent looks like. Section 7 lists the uses that need no consent. Section 4 · Section 6 · Section 7

1. List each purpose for which you use personal data.
2. Against each purpose, write the basis: consent or the exact clause of Section 7.
3. Where the basis is consent, check that it was asked separately, with a clear action and no pre-ticked box.
4. Stop or re-paper any purpose with no basis.
5. Review the list whenever a new product, campaign or system starts.

• Purpose and basis register
• Consent records with date, version and channel
• Legal sign-off on each legitimate use relied on

• Treating account terms as consent for marketing
• Bundling several purposes in one tick-box
• Relying on 'legitimate interest', which the Indian Act does not have

Withdrawal must be as easy as giving consent. Once someone withdraws, you and every vendor working for you must stop that use within a reasonable time. What was done before withdrawal stays lawful, and data that a law requires you to keep is kept.

A customer taps 'stop offers' in the app. The dialler, SMS tool and partner insurer must all stop within a day.

Section 6(4) to 6(6) give the right to withdraw at any time, with the same ease, and require processors to stop as well. Section 8(7) then asks for erasure unless a law requires retention. Section 6 · Section 8(7) · Rule 8 · Section 8(1)–(2)

1. Give one simple way to withdraw on every channel where consent is taken.
2. Record the withdrawal against the person and the purpose.
3. Push the change to every system and vendor that uses that purpose.
4. Confirm to the person, in writing, what has stopped and what is kept by law.
5. Check a sample every month to see that the change actually reached every list.

• Withdrawal log with time stamps
• Proof that downstream systems and vendors updated
• Confirmation sent to the person

• Withdrawal by email only, while consent was one tap in an app
• Stopping in the main system but not in vendor lists
• Deleting records a law requires you to keep

Sending personal data to the wrong chat or a personal account is one of the most common breaches. Banning messaging rarely works. Give staff an approved tool that is easy to use, set simple rules, and make it safe to report a wrong send at once.

Relationship managers share lead lists and statements on chat. Give them a CRM route.

Section 8(5) asks for reasonable safeguards. A wrong send is a breach under Section 2(u), and Section 8(6) applies. Section 8(5) · Rule 6 · Section 8(6) · Rule 7

1. Ask teams how they actually share files and photos today.
2. Provide an approved tool for that job.
3. Set three simple rules: approved tool, no personal accounts, report wrong sends.
4. Teach the rules with real examples from your own work.
5. Treat a quick report as good behaviour, not a disciplinary case.

• Approved-tool policy
• Training record
• Incident reports of wrong sends

• A ban with no alternative
• Punishing people who report
• Ignoring group chats with vendors

Call recordings, chat transcripts and agent screens hold a lot of personal data. Tell callers that calls are recorded and why, keep recordings for a set period, limit who can listen, and mask card numbers and passwords on screen and in recordings.

Never record card numbers or OTPs. Pause recording when customers read them out.

Section 5 needs notice, Section 8(5) needs safeguards, and Section 8(7) needs erasure after the purpose. Section 5 · Rule 3 · Section 8(5) · Rule 6 · Section 8(7) · Rule 8

1. Play a short recording notice at the start of calls.
2. Set a retention period by call type.
3. Pause recording when card or other sensitive details are given.
4. Limit replay rights to quality and complaint teams.
5. Lock agent screens and stop phones on the floor if data is sensitive.

• Recording notice script
• Retention settings
• Replay access list

• Recordings kept indefinitely
• Card numbers in recordings
• Open replay access for all supervisors

Send a summary of the personal data you hold about them and what you do with it, and the names of the other organisations you shared it with and what was shared. Check the person's identity first, log the request and keep a copy of your reply.

The summary should list partner insurers, credit bureaus and collection agencies that received data.

Section 11 gives the right to a summary and the list of organisations it was shared with. Rule 14 asks you to publish how requests are made and to answer within the period you publish. Sections 11–14 · Rule 14 · Section 8(9)–(10) · Rules 9, 14

1. Log the request in one register the day it arrives.
2. Verify identity using details you already hold.
3. Search every system, including vendors' copies.
4. Write a plain summary: what data, why it is used, who received it.
5. Send it, and file the request, search notes and reply.

• Request register
• Search notes for each request
• Copy of each reply with date

• Sending raw database dumps
• Forgetting data held by vendors
• No identity check before sending