Data Privacy Policy


DATA PRIVACY POLICY

INTRODUCTION

This Website (www.hindujahousingfinance.com), the mobile application and other related internet based applications (collectively referred to as “website” or “services” or “app” or “platform”) is owned and operated by Hinduja Housing Finance Limited, (hereinafter referred to as “We”, or “Us” or “Our” or “HHF”), a Company incorporated under Companies Act, 1956 and having its registered office at No: 27-A, Developed Industrial Estate, Guindy, Chennai-600032, Tamil Nadu, India.

This Privacy Policy gives YOU (“You” or “Your” or “user” or “customer”), the user of our website and its associated internet-based applications including your information and its usage as well as the manner in which we collect, use, store and share information about you. You are advised to read this privacy policy along with and in conjunction with the Terms of Use and other information in the website/application.

You are also advised to please take note that any statements made on this website/application shall not be construed as an offer or promise for grant of any financial services.

This Privacy Policy has been prepared in compliance with all applicable acts, regulations and rules which require the publishing of a privacy policy for handling of or dealing in personal information including sensitive personal data or information and all applicable laws, regulations, guidelines provided by applicable regulatory authorities including but not limited to the National Housing Board/Reserve Bank of India.

OBJECTIVE

We value your privacy. As HHF collects, receives, possess, stores, deals or handle information of provider of information in the course of offering or providing various products and services, either in person or via online digital channels to the Users, this Policy is framed and implemented for handling of or dealing in personal information including sensitive personal data or information of such Users and ensuring that the Users are able to review the Policy before providing their personal information to HHF.

CONSENT

You hereby expressly consent to provide the information that may be required in relation to the Services (as defined below) being rendered by us. You acknowledge that we shall collect the information detailed under this Privacy Policy to facilitate lending & non-lending services by partnering with various financial lenders, third parties, service providers, etc. based on your requirement to avail such Services (“Services”).

HHF will only be using the information for providing the Services to you.

In order to avail any Services being provided by HHF by itself or in partnership with other third parties it is important that you read, understand, acknowledge and unconditionally agree to be bound by the terms and conditions of this privacy policy.

If you do not agree to this policy or any part thereof, please do not use/ access/ download/ install the application or any part thereof.

INFORMATION COLLECTED AND USED BY HHF

This section describes the information we may collect about you and how we use that information and is divided into two sections - a) Data provided by you and b) Information we collect with your explicit consent in order to render our services.

Data provided by you

When you register for using the website or our services, we ask you for your Name, Contact Number, City / PIN Code of your Residence, Required amount of Loan, Type of Loan, Expected Loan Tenure. This information lets us provide personalized services and communicate separately with you. We also use aggregated information about the use of our services to evaluate our users' preferences, improve our programming, and facilitate third party reporting of Internet usage.

Information we collect about you and how we use that information

  • With your consent: Information we collect from credit bureaus and customer service providers to help HHF with customer verification and diligence required for HHF including its authorized agencies and its partners.
  • Device type: With your permission, we may collect and monitor the type of device (including storage, hardware model, operating system and version, WiFi, mobile network) you use, information pertaining to your device including the list of accounts on your device for the purposes of profile enrichment. The information we collect and its usage depends on how you manage your privacy controls on your device.
  • Device Information: When you install the Application, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the Application and explicitly seek permissions from you to get the required information from the device.

Additionally, we also collect metadata (via the domain server through which the User accesses the App, search queries, IP address, crashes, date & time) for the purpose of improvising the App functionality Further we expressly state that we do not access any phone call logs data.

In addition to the above, we also track and collect the data related to the performance of the Application and other diagnostic data for identifying and resolving any technical glitches that may be identified from such data and also for improving the overall functionality of the Application. We collect information about your device to provide automatic updates and additional security so that your account is not used in other people’s devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behaviour, thereby allowing us to improve our products interaction, quality of services and provide a personalised user experience to you.

  • Camera: With your permission, We may request camera access to a) capture your selfie for the purpose of identity verification and b) scan and capture the required KYC documents in accordance with applicable laws.
  • Location: With your permission, we may receive, collect and analyse your location information which may be accessed through a variety of methods including, inter alia, GPS, IP address, and cell tower location and, your precise location based on GPS data. In the event of IP detection failure, we will collect the last cached location as your current location. We may collect location information for validating your address even when the application is closed or not in use.
  • Cookies and similar technologies: Cookies are small pieces of text sent by your web browser by a website you visit. A cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you.

    • Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.

    When you use and access the Service, we may place a number of cookies files in your web browser. We use cookies for the following purposes:

    • To enable certain functions of the Service. We use both session and persistent cookies on the Service and we use different types of cookies to run the Service:
    • Essential cookies - We may use essential cookies to authenticate users and prevent fraudulent use of user accounts.

    You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

  • Record and/or monitor calls: If you call in for a query, HHF might for the purposes of quality checks and ongoing staff training record your call. Such recordings may also be used to help HHF combat fraud.
  • Retention of information collected:The information collected from you will be retained during the (i) validity of your Account and for the purpose of submission of such information, (ii) As consented by you while creating your User Account (iii) As required by any regulatory norms including but not limited to the norms prescribed under Prevention of Money Laundering Act, 2002, as per State/Central Laws, Directions/Circulars/Notifications of NHB/RBI, and any statutory modification thereto, or re-enactment thereof.

PURPOSE OF INFORMATION COLLECTED BY HHF

Apart from the above section where we describe the information we collect and how we use the information we collect, we may also use the information we collect for the following purposes:

  1. To provide products or services you have requested.
  2. To help investigate violations of our terms of use or to defend against legal claims.
  3. To disclose the information under special circumstances such as compliance with the applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.
  4. To get in touch with you when necessary and contact you by email, SMS, letter, telephone or in any other way about our products and services.
  5. To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes.
  6. Provide information to independent external bodies such as governmental departments and agencies.
  7. Perform other administrative and operational actions including the testing & improvement of systems.
  8. To show you advertisements.
  9. Contact you as a survey respondent.
  10. To maintain records under applicable law or a may apply to pursuant to agreements executed by HHF.
  11. Carry out, monitor and analyze our business, carry out market research, business, and statistical analysis and also direct our efforts for product improvement.
  12. Carry out process review and audits under regulatory framework.
  13. Details required for administration or services and product improvement.
  14. Location information – for validating your address.
  15. To generate and maintain User profiles, to provide personalized features, to facilitate collection activities, to maintain regular communications with the User.
  16. To use/modify/display, distribute and create new material from the information you provide.

DATA RETENTION AND DELETION

We promise to protect your personal data from unauthorized access, misuse, and disclosure using the right security measures based on the type of data and how we are processing the same. We retain information about you to provide a seamless experience, to contact you in case of support required and about your account, to detect, mitigate, prevent, and investigate fraudulent or illegal activities during the course of the Services. We retain your data for as long as necessary based on statutory requirements and to provide you with our services. We may also retain and use your basic personal information inter alia as name, contact number, transactional details and address details as necessary to comply with our legal obligations, resolve disputes, send you notifications about dues or past dues that you owe to HHF and enforce our agreements which shall always be in accordance with applicable laws.

SHARING OF INFORMATION

We do not share personally identifiable data with other companies (apart from group companies and those companies who are our affiliates in providing our Service to you, who agree to use it only for that purpose and in connection with the business). The data that is provided shall not be given or sold to third parties except to statutory bodies, if so, required under law.

LINKS

This Web site/application may contain links to other sites. Please be aware that HHF is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each Web site that collects personal information. This privacy statement applies solely to information collected by this Web site/application.

CHANGES IN PRIVACY POLICY

Our Privacy Policy might change from time to time and the updated version can be seen by you in our website. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on our website.

CONTACT

For any information regarding the Privacy Policy, please contact: compliance@hindujahousingfinance.com