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
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.
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:
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.
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:
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