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Home Legal Privacy Policy


LEGAL & COMPLIANCE

Privacy PolicyWebsite UsageDisclaimerWhatsapp Terms and Conditions

Legal & Compliance

Piramal Capital & Housing Finance Limited takes your privacy seriously, is
committed to protect your personal information and assures that the information
made available to the Company will be safely maintained.

The Company will use its best efforts to prevent inadvertent disclosure of your
personal information to unauthorized personnel or to any other third-party
vendor.

This Privacy Policy sets out the way in which the Company collects, uses,
shares, discloses, transfers and disposes your personal information when you use
the Company's website or other digital platforms (i.e., applications such as,
but not limited to, applications for digital lending and other mobile
applications of the Company).

You are advised to read the Privacy Policy before navigating Company's website
and other digital platforms.

Please note that the Company's website and other digital platforms may contain
links to third-party vendor websites and other digital platforms which are
provided for your convenience.

While the Company shall be responsible for the privacy practices and security of
the information that you share with the Company, the Company urges and
recommends that you refer to the privacy policy of the websites/ other digital
platforms that you visit.

COLLECTION AND USE OF PERSONAL INFORMATION

Personal information is any information relating to an identified or
identifiable natural person. An identifiable natural person is one who can be
identified, directly or indirectly using identifier such as, but not limited to,
name, contact details, identification number or location data.

Your personal information will be collected on need-to-know basis to provide
products or services as requested by you. The Company will obtain your explicit
consent, where necessary, prior to processing your personal information. The
Company shall maintain audit trail of such consent provided by you.

The Company may supplement the personal information that you provide with other
information obtained from the Company's dealings with you or which the Company
receives from other organizations, such as, the Company's lending service
providers and other third-party vendors.

Please note, if you do not choose to provide the Company with the requested
personal information, the Company will be unable to offer you products or
services.

The Company will use your personal information for the following purposes:

 * to administer and provide products and services you request or have expressed
   an interest in and to communicate with you in respect thereof.
 * to share with third parties who are also involved in administering and
   providing products or services you request or have expressed an interest in.
 * to communicate with you in the event that any products or services you have
   requested are unavailable.
 * to update you and make subsequent offers about other relevant products and
   services that may be of your interest.
 * for fraud screening and prevention purposes.
 * for record keeping purposes.
 * to carry out market research and get feedback so that the Company can improve
   the products and services offered.
 * to track your activity on the Company's digital platforms.
 * to create an individual profile for you so that the Company can understand
   and respect your preferences.
 * to personalize and improve your experience on the Company's digital
   platforms.
 * to personalize and / or tailor any communications that the Company may send
   you.
 * for profiling purposes to enable the Company to personalize and / or tailor
   any marketing communications that you may consent to receive from the
   Company.
 * fulfilling any regulatory or legal requirements applicable to the Company.

When the Company provides you with products or services or where you register
with the Company your interest in Company's products or services, the Company
may collect and store your personal information, for example, when you sign up
for an online account, register to receive marketing communications from the
Company/ its group companies (and/ or from our lending service providers and
third-party vendors), fill- in one of the Company's forms (whether online or
offline) or otherwise provide the Company with your personal information for
purposes listed above.

When you interact with the Company's digital platforms, the Company may also
automatically collect the following information about your visit. This is
primarily to understand how you use the Company's digital platforms and to
create more relevant communications:

 * how you have reached the Company's digital platform and the internet protocol
   (IP) address you have used.
 * your browser type, versions and plug-ins, and your operating system.
 * your journey through the Company's digital platform, including which links
   you click on and any searches you made, how long you stayed on a page, and
   other page interaction information.
 * what content you like or share.
 * which adverts you saw and responded to.
 * which pop up or push messages you might have seen and responded to.
 * your subscription status.
 * information collected in any forms you complete.

The Company may also infer your location from the IP address you have used to
access the Company's website or digital platforms and the Company may analyze
which marketing activity led to your taking specific action on the Company's
digital platforms (e.g. downloading the app).

The Company's applications may require one-time access to your mobile phone
resources such as camera, microphone, location, or any other facility necessary
for the purpose of on-boarding/ know-your-customer (KYC) requirements. Such
access shall only be obtained after seeking your consent. However, the Company
shall ensure that the applications desist from accessing resources on your
mobile phone such as, file, media, contact list, call logs, and telephony
functions.

Further, the Company shall not collect/ store your biometric information in the
systems associated with Company's applications or Company's third-party vendor
applications unless permitted under applicable law.

The Company shall ensure that it's applications or our third-party vendors
engaged to provide products/ services to you will not store your personal
information except such information (such as, but not limited to, name, address,
contact details) that may be required to carry out operations.

The Company shall enable you with an option to provide or deny consent for use
of specific personal information, restrict disclosure to third-party vendors and
to revoke consent already granted at the time of collecting personal
information.

The Company shall share the purpose of collection of personal information every
time the Company seeks your consent.
You are responsible for providing the Company with accurate and complete
personal information. Please notify the Company of any changes to your personal
information.


 * You hereby agree and acknowledge that the information and consent provided by
   you is at your own accord. You, hereby, unequivocally authorize us to process
   the loan application and obtain and verify any information required for such
   processing, including but not limited to, your credit report and employment
   details or any other information incidental thereto.
 * You undertake that you will not provide your sensitive personal detail,
   including but not limited to, PAN Card No., Aadhar No., Bank Account Details,
   any OTP or any login credentials explicitly to us or any representative
   authorized by us. We will not assume any responsibility for any unauthorized
   access to your sensitive personal detail.
 * We would like to inform you and you duly acknowledge and accept that our team
   will never ask you for your sensitive personal detail.

   SHARING YOUR PERSONAL INFORMATION
   
   The Company may share your personal information with associated third-party
   vendors after obtaining your consent, except where the sharing is required as
   per statutory or regulatory requirement. Such third-party vendors may process
   personal information on the Company's behalf as necessary, in connection with
   providing the Company's products and services, fulfilling contractual
   arrangements and legal or regulatory requirements.
   
   The Company requires that the third-party vendors protect your personal
   information and only process it for the purposes it was shared for.
   
   The Company may share your personal information with:
   
    * law enforcement or government authorities where they have followed due
      legal process to request the Company to disclose the information.
    * third-party vendors who provide services.
   
   List of lending service providers (LSPs), digital lending applications (DLAs)
   and collection & recovery agents authorized by the Company to process
   personal information can be accessed here.
   
   RETENTION OF PERSONAL INFORMATION
   
   Company shall retain your personal information for the period necessary to
   fulfill the business purposes outlined in this Privacy Policy unless a longer
   retention period is required or is permitted by law. The Company shall
   dispose personal information using secure destruction mechanism only.
   
   COOKIES
   
   In common with many other website operators, Company uses standard technology
   called 'cookies' on its website. Cookies are small pieces of information that
   are stored by your browser on your computer's hard drive, and they are used
   to record how you navigate the Company's website on each visit.
   
   The Company automatically collects and temporarily store the following
   information about your visit:
   
    * the name of the domain you use to access the Internet;
    * the date and time of your visit;
    * the pages you visited; and
    * the address of the web site you came from when you came to visit
   
   The Company uses this information for statistical purposes and to help make
   the Company's site more useful to visitors. Unless it is specifically stated
   otherwise, no additional information will be collected about you.
   
   SAFEGUARDING YOUR PERSONAL INFORMATION
   
   The Company takes reasonable precautions to keep your personal information
   secure and require any third-party vendors that handle or process your
   personal information for the Company to do the same. Access to your personal
   information is restricted to prevent unauthorized access, modification, or
   misuse.
   
   The Company shall manage security breaches that impact personal information
   as per the Company's incident management processes.
   
   All personal information that the Company collects shall be stored in servers
   located in India as per the local regulatory requirement.
   
   YOUR PRIVACY RIGHTS
   
   The Company shall provide you with reasonable access to view and review your
   personal information and request correction and deletion, where appropriate.
   In order to protect your privacy, Company shall take reasonable steps to
   verify your identity before granting access to your personal information.
   
   You have the right to tell the Company if you:
   
    * do not want to be contacted by the Company in the future
    * would like a copy of the personal information which the Company holds
      about you
    * would like to delete your personal information from the Company's records
      (including Company's applications and applications of third-party vendors
      used to provide services to you)
    * wish to report any misuse of your personal information
    * would like to correct or update your personal information
   
   CHANGES TO OUR PRIVACY POLICY
   
   The Company may change the Privacy Policy from time to time and post the
   updated version of the same on the Company's website. Company encourages you
   to visit Company's website and stay informed about how the Company uses your
   personal information.
   
   HANDLING PRIVACY CONCERNS
   
   To exercise your privacy rights or in case you have any questions about this
   Privacy Policy or the Company's data privacy practices, then please reach out
   at DPO.financialservices@piramal.com
   w.e.f. 30 November 2022.

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Loan Against Property
Small Business Loan
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Personal Finance
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Travel Loan
Emergency Loan
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50,000 Personal Loan
100,000 Personal Loan
Personal Loan Interest Rates
iPhone15 on EMI
Insta Loan
Flexi Loan
Small Personal Loan

Other loans
Real Estate Financing
Pre-owned Car Loan
Group Loan

Calculators
Home Loan Eligibility Calculator
Home Loan EMI Calculator
Business Loan Eligibility Calculator
Business Loan EMI Calculator
Personal Loan Eligibility Calculator
Personal Loan EMI Calculator

Support & Resources
Contact Us
FAQs
Stakeholders
Careers
Vidya
Neeyat
Risk Gradation

Housing Finance
Home Loan
Construction Loan
Renovation Loan
Extension Loan
Loan Balance Transfer
Documents Required for Home Loan
Home Loan Interest Rate
Business Finance
Business Loan
Loan Against Property
Small Business Loan
Working Capital Loan
Personal Finance
Instant Personal Loan
Travel Loan
Emergency Loan
Marriage Loan
50,000 Personal Loan
100,000 Personal Loan
Personal Loan Interest Rates
iPhone15 on EMI
Insta Loan
Flexi Loan
Small Personal Loan
Other loans
Real Estate Financing
Pre-owned Car Loan
Group Loan
Calculators
Home Loan Eligibility Calculator
Home Loan EMI Calculator
Business Loan Eligibility Calculator
Business Loan EMI Calculator
Personal Loan Eligibility Calculator
Personal Loan EMI Calculator
Support & Resources
Contact Us
FAQs
Stakeholders
Careers
Vidya
Neeyat
Risk Gradation
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Piramal Capital & Housing Finance Limited
CIN: U65910MH1984PLC032639
Registered Address: 601, 6th Floor, Amiti Building, Agastya Corporate Park,
Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (W) Mumbai MH 400070
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capital and housing limited.