Home Credit India Finance Private Limited (“Home Credit/ We”) is committed to protect the personal and financial information submitted by our customers (“Customers/ you”) and would endeavour to protect such information from unauthorized use. This Privacy Policy applies to all applicants/ customers applying for loans and value added services from/ through Home Credit or using website or any other web/ mobile application of Home Credit (such website and/ or web/ mobile applications referred as “Website”). The terms and conditions of Website Use as mentioned in ‘Policy on Website Use of Home Credit India Finance Private Limited’ as amended from time to time is incorporated herein by way of reference.

Information We Collect

The Customer provides his/ her personal information to Home Credit, which may be of a confidential or sensitive nature, in the course of:

• availing various loans and finances from Home Credit,
• interactions with Home Credit or its authorised representatives in respect of such loans and finances,
• while using Home Credit Website, or
• at the time of client acceptance/ registration/ application through any of the sources mentioned herein in connection with availing products or services of Home Credit.

Such information may include your personal details (like name, address, date of birth, father’s name, mother’s name, your photograph etc.), contact details (like your residential address, email address, telephone/ mobile number etc.), business, credit and financial information, device location and information, messages, contacts, call logs, emails, log information like your search queries, IP address, crashes, date and time, browser web storage, application data caches, Cookies and similar technologies and data of the such Customers (collectively and individually referred as,“Customer Data”).

The aforesaid Customer Data may be shared with Home Credit through variety of sources with your prior consent, including through:

• Offline interactions with Home Credit at Point of Sales, marketing campaigns, etc.
• Online and electronic interactions viz. Home Credit website, mobile applications, text messaging or third party applications/ social networks, etc.
• Your interaction with online targeted content (such as advertisements) that Home Credit, or its service providers on behalf of Home Credit, provide to you via third party websites or applications.

Consent of the Customers

When the Customer applies for any loan or finance from us, we first obtain the authority/ consent (including electronic consent viz. e-signatures, ‘I agree’ tick checkbox, One time password, Yes/No authentication) from such Customer for collection, storage, analysis, publishing and dissemination, at any time of the Customer Data. The Customer (or the user) gives his/her consent to the fact that his/her Customer Data will be maintained and processed by us for various purposes. The Customer has the right to access their Customer Data and to have it corrected by approaching Home Credit.

While using this Site, you agree not to, by any means (including hacking, cracking or defacing any portion of the Site) indulge in illegal or unauthorized activities.

Use and Disclosure of Customer Data

We protect Customer Data against unauthorized use in the same manner in which we protect our confidential information. However, in following conditions, we may share Customer Data:

• Verification of your credit and financial position, reference checks, authentication of personal, biometric and demographic information/ data provided to us at the time of loan application or anytime thereafter and making related enquiries through references on the basis of the data and information provided to, or collected by, Home Credit as and when we consider necessary;
• Sharing, obtaining and/ or disclosing any aspect of your personal, biometric, demographic, business, credit and financial information/ data to any credit bureau, financial institution, Reserve Bank of India, any other authority (including Unique Identification Authority of India) or any third party engaged by Home Credit for purpose of proper verification and assessment of the Customer Data, for statistics regarding Customer’s Account, to satisfy any legally enforceable process or compliance purpose, detecting and protecting against error, fraud or identification of other criminal activity or for archiving Customer Data and for complying with the laws applicable from time to time.
• Use of your information to improve our services to the Customers and to keep Customers updated about our new products or other information that may be of interest to such Customers. This may include contacting the Customer through phone calls, SMS, or e-mails or at postal address, to make follow up calls in relation to the services provided, for imparting product knowledge, offering promotional offers & various other offers offered by its partners.
• We may share some of the Customer Data to third parties with your prior consent who may approach/ contact you to provide attractive offers to you by way of advertisements campaigns, information circulation etc. Sharing of information with manufacturers/ service providers to provide goods and/ or services to customers availing loans/ finance from Home Credit.
• It may become necessary for Home Credit to disclose the Customer Data to the agents, other service providers and contractors (which includes but not limited to KYC repository services, data storage agencies, marketing and collection agents, any assigns to whom Home Credit intend to grant any right or obligation of Home Credit) in the course of normal business operations for the above referred purpose.
• We may also invite visitors to this website to participate in market research and surveys and other similar activities. Home Credit will use the customer information to improve the visitor experience on the site and make subsequent offers to the visitor on products which may be of interest to him / her.

However these parties would be required to use the information obtained from Home Credit either for the purposes mutually agreed with Home Credit or for the purposes expressly permitted by the applicable laws exclusively. Home Credit will endeavour to take all reasonable steps to ensure that the confidentiality of the Customer Data is maintained by imposing strict confidentiality standards on all the private and non-statutory third parties to whom it discloses such information. Further, Home Credit shall not retain the information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force.

Home Credit is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures that commensurate with the information assets being protected to ensure confidentiality of the Customer Data and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this policy or in terms of the agreements, if any, with the Customers. In addition, we use small bits of data called “cookies” stored on user’s computers to stimulate a continuous connection. “Cookies” let us store information about your preferences and passwords and allow you to move to different pages of our website without having to re-enter your password information. Any information collected is stored in secure databases protected via a variety of access controls and is treated as confidential information by us. Therefore, you should be careful with usage of the username and password by maintaining confidentiality and ensure that you do not knowingly or accidentally share, provide and facilitate unauthorized use of it.

Exclusions from Privacy Policy

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. Other websites that you may access via Website may have different privacy policies and access to such web sites will not be subject to this Privacy Policy. We recommend that you read the privacy statement of each such website to find out how they protect your Customer Data. The exclusions herein shall not restrict us from publishing business reports or sector reports of behavioural pattern of the customers.

Amendments

Due to changes in legislation or enhancements to functionality and content on the website, we may make changes to privacy policy (without being obliged to do so) and would reflect those changes in this privacy policy. Hence you are requested to go through the privacy policy statement on a regular basis.

Contact Person

For any query or complaint regarding confidentiality and sharing of your Customer Data, including sharing with third parties, or suggestion for improvement/ modification of this policy including consents required herein, you may contact:
Grievance Redressal Officer, Customer Care Department Home Credit India Finance Private Limited, DLF Infinity Tower C, 3rd Floor, DLF Cyber City Phase II, Gurgaon-122002, India, E-mail:grievanceofficer@homecredit.co.in , Landline: 0124 6628713.