Privacy Policy - Capital India Home Loans Limited

Last Updated: January 2024

Capital India Home Loans Limited ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

We collect information that you provide directly to us when you:

Apply for a home loan or other financial products
Fill out forms on our website
Contact us via email, phone, or other communication channels
Subscribe to our newsletters or marketing communications
Participate in surveys or promotional activities

The types of information we may collect include:

Personal Information: Name, date of birth, gender, marital status, contact details (address, email, phone number)
Financial Information: Income details, employment information, bank account details, credit history, property details
Identity Documents: PAN card, Aadhaar card, passport, driving license, and other government-issued identification
Technical Information: IP address, browser type, device information, cookies, and usage data when you visit our website

2. How We Use Your Information

We use the information we collect for the following purposes:

Loan Processing: To evaluate, process, and manage your loan applications and related services
Verification: To verify your identity, income, employment, and creditworthiness
Communication: To communicate with you about your loan application, account status, and respond to your inquiries
Legal Compliance: To comply with applicable laws, regulations, and legal processes, including Know Your Customer (KYC) requirements
Risk Management: To assess and manage credit risk, fraud prevention, and security
Service Improvement: To improve our services, website functionality, and customer experience
Marketing: To send you promotional materials, newsletters, and information about our products and services (with your consent)
Analytics: To analyze website usage patterns and trends to enhance user experience

3. Information Protection Measures

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption

All sensitive data is encrypted using industry-standard encryption protocols during transmission and storage.

Access Controls

Strict access controls ensure that only authorized personnel can access your personal information.

Secure Storage

Your data is stored in secure servers with regular backups and monitoring systems in place.

Regular Audits

We conduct regular security audits and assessments to identify and address potential vulnerabilities.

4. Your Rights

Under applicable data protection laws, you have the following rights regarding your personal information:

Right to Access

You have the right to request access to the personal information we hold about you.

Right to Correction

You can request correction of any inaccurate or incomplete personal information.

Right to Deletion

You may request deletion of your personal information, subject to legal and contractual obligations.

Right to Object

You have the right to object to processing of your personal information for marketing purposes.

Right to Data Portability

You can request a copy of your personal information in a structured, machine-readable format.

Right to Withdraw Consent

You can withdraw your consent for data processing at any time, where processing is based on consent.

To exercise any of these rights, please contact us at user@cihloans.com. We will respond to your request within 30 days.

5. Cookies Policy

Our website uses cookies to enhance your browsing experience and analyze site traffic. Cookies are small text files stored on your device when you visit our website.

You can control and manage cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

6. Information Sharing

We may share your information with:

Service Providers: Third-party service providers who assist us in operating our business, such as credit bureaus, legal advisors, and technology service providers
Regulatory Authorities: Government agencies, regulatory bodies, and law enforcement authorities as required by law
Business Partners: Trusted partners who help us provide services to you, subject to strict confidentiality agreements
Legal Requirements: When required by law, court order, or legal process

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes:

For the duration of your loan relationship with us
As required by applicable laws and regulations (typically 7-10 years for financial records)
To resolve disputes and enforce our agreements

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Capital India Home Loans Limited

2nd Floor, DLF Centre, Sansad Marg

Delhi -110001, India

Email: user@cihloans.com

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