Through out this Privacy Policy “RHFL” refers to Repco Home Finance Limited and its related entities (also referred to as “we”, “us” or “our”)

Through out this Privacy Policy “You” or any cognate variations thereof refers to any natural person who visit our web site or a customer who deals with us whether in physical or electronic mode.

Objective

We value you as a customer / user of our website and respect your right to privacy. RHFL is committed to ensuring that privacy of the information you provide to us. This policy sets out how we use and protect the information you provide. Hence we request you to go through the policy every time you access the site.

User’s confidentiality and privacy are of utmost concern to RHFL. We respect your need to understand how information is being collected, used, disclosed, transferred and stored. Hence this Privacy policy is to familiarize you with our practices.

Collection of Personal Information

“Personal Information” is information about an identified individual, or an individual who is reasonably identifiable. Personal Information collected by us may include (but is not limited to) name, date of birth, contact details including address and telephone numbers, gender, occupation and employment details, bank account details, financial information including salary and asset holdings, business profile.

In some cases, the information above may pertain to entities and not only individuals

When we collect your Personal Information

We collect the Personal Information in the following instances:

• When you visit our website
• Buy our products or services;
• Request information about us, our products or our services;
• Provide feedback;
• Fill in a form on our website; or
• Contact us by telephone, fax, email, post or in person.

We do not collect any Personal Information except when you knowingly provide it. When you visit our website, our website host may also collect information for statistical, reporting and maintenance purposes to improve the performance of the website. These information may include:

• The number of users visiting our website and the number of pages viewed;
• The date, time and duration of a visit;
• The path taken through our website

The above information are collected at anytime you are in contact with RHFL directly or indirectly through a third party.

When you take any Loan or are appointed as agent for rendering services to our company on contract or otherwise, such data is collected.

Why we collect Personal Information

• To allow us to conduct our business functions and to market and sell our products and services.
• To provide information as requested by you from time to time
• To perform data analysis (market research, surveys, etc.)
• To assist customers by providing them with information and support
• To personalise and customise your experiences with our website;
• To manage and administer any account you may hold with us;
• To promote and market our products and services to you or provide you with information that we believe may be of interest to you;
• To help us research the needs of our customers / prospective customers and to market our products and services with a better understanding of your needs and the needs of customers generally;
• To conduct research for the purposes of improving existing products or services or creating new products or services;
• To process any job application submitted by you;
• To provide advertising materials to you regarding our products and important notices and communications regarding our services availed or changes to the terms and conditions and policies.
• To share your Personal information with our related entities, business partners and selected third parties
• To detect unlawful behaviour and maintain the safety and security of the website

By using our company website/mobile app/customer portals you authorize us to contact you via email or phone on your contact details, You also authorize us to call you for the mentioned purposes, irrespective of whether you are registered with the NDNC registry.

You consent to us for using your Personal Information in the above said ways. We may also use your Personal Information for other purposes not listed above. If we do so, we will make it known to you at the time we collect or use your Personal Information. We do not otherwise disclose your Personal Information without your permission, unless the disclosure is required or authorized by law, including without limitation the Information Technology Act, 2000, read along with the notification of the Ministry Of Communications and Information Technology Notification dated 11th April 2011.

If you choose not to provide your Personal Information to us for the purposes set out in this Privacy Policy, we may not be able to undertake certain activities as requested by you.

Collection and use of Non-personal Information

The data collected in non-personal manner which does not identify a particular user may be used in any manner as required. Below are some typical examples of how we collect and use information.

We may collect information such as browser, operating system, occupation, language, pin code, unique device identifier, location so that we can better understand customer behaviour and improve our products, services, and advertising.

We may collect information regarding customer activities on various portals of RHFL. This aggregated information is used in research, analysis and monitor products and various promotional schemes. It may be shared in aggregated, non-personal form with third party to enhance customer experience, products offering or services.

To whom we give your Personal Information

• We may share information with related entities, branch offices, third parties, etc. to provide products or services you’ve requested or for business purposes. To protect and defend Rights or Property
• We may also disclose your Personal Information to our website host (if this is a third party) or software application providers in certain limited circumstances.
• We may provide the information to entities who perform work for us under a Confidentiality Deed.
• We may share the Personal Information with statutory and regulatory authorities, government bodies for compliance purposes or by a decree, order or authorization of law. Under exigent circumstances to protect the personal safety of users of RHFL, the site or the public.

In these circumstances you consent to the collection, use, storage and processing of your Personal information

Cookies

Cookies are small text files that are transferred to a user’s computer hard drive by a website for the purpose of storing information about a user’s identity, browser type or website visiting patterns to personalise and enhance experience on websites.

How we use Cookies

Cookies may be used on our website to monitor web traffic, for example the time of visit, pages visited and some system information about the type of computer used. We may use this information to enhance the content and services offered on our website. Cookies may also be used to collect information about what web pages you visit and the type of software you are using. If you access our website or click-through an email we send you, a cookie maybe downloaded onto your computer’s hard drive. Cookies may also be used for other purposes on our website but in each case none of the information collected can be used to personally identify you.

Cookie Preference

You can configure your browser to accept or reject all cookies or notify you when a cookie is sent. Each browser is different, you can customise your choices regarding cookies and set your cookie preferences accordingly

Third-Party Sites, Services & Links

RHFL, its contractors, agents, owners, and employees are not responsible for the content or the privacy policies of other web sites to which this site may link you to. We encourage you to review their Privacy Policy before providing any Personal Information to them. We do not endorse the contents or take responsibility for the privacy statements of such third party websites.

Storage, Retention and Security of Personal Information

We aim to keep your Personal Information secure and any information collected via our website or which is held on our computer systems is protected by safeguards including physical, technical (firewalls, SSL encryption, etc.) and procedural methods. We do not collect sensitive or financial information about our users via our website.

We shall be holding your data in our systems for the period that you are our customer. However, regulatory requirements may require that the data be stored for an extended period. In such cases, we will be forced to retain your information even though you are no longer our customer.

By opening, browsing, using our site for transactions or storing any data/information, you agree to comply with the latest revised privacy policy in effect at such time. If you use some social networking or other web services which maintains your information, it is governed by their terms of use and privacy policy.

Updating Personal Information

If you need to update your personal information or there is any change in the personal information, or if you no longer desire our service, you may email to - customersupport@repcohome.com or by contacting us by post to Customer Care, Repco Home Finance Ltd., 3rd Floor, Alexander Square, #2, Sardar Patel Road, Guindy, Chennai – 600032

Business Transitions

In the event RHFL undergoes a business transition including merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via a prominent notice on our website for 30 days of any such change in ownership or control of your personal information.

Grievance Redressal

While, we will strive to ensure you do not have any grievance, If at any time you believe that RHFL has not adhered to above principles/policy, in case you have any concern or grievance, you may address the same to the Grievance Officer, whose contact details have been published on our website.

We may, from time to time, review and update this Privacy Policy, including to take into account new laws, regulations and technology. All Personal Information held by us will be governed by our most recent Privacy Policy, posted on our website at www.repcohome.com.