PRIVACY POLICY

Capital India Home Loans Limited (“Capital India Home Loans”) is committed to safeguarding the privacy of all individuals and entities (“Users”) who interact with the company, whether as customers, employees, agents, service providers, or in any other capacity. This Privacy Policy outlines our approach to collecting, using, and protecting Personal Data and Sensitive Personal Data shared with us during any interaction with Capital India Home Loans.

This Privacy Policy applies to all interactions with Capital India Home Loans, including but not limited to the use of our website (“Website”), https://capitalindiahomeloans.com , and any other communication channels. By engaging with Capital India Home Loans, you agree not to provide any Personal Data or Sensitive Personal Data related to another individual without their explicit consent.

For the purposes of this policy, “Personal Data” refers to any information that relates to a natural person and that, either directly or indirectly, in conjunction with other information, can identify that individual. “Sensitive Personal Data” refers to data such as financial information, biometric details, medical records, and other sensitive information as defined under applicable laws.

By interacting with Capital India Home Loans in any capacity, you accept the terms of this Privacy Policy. This Privacy Policy may be updated periodically due to changes in law or at our discretion. Unless otherwise specified, such revisions shall take effect from the date they are posted on the Website. Users are advised to consult this Privacy Policy regularly, as continued engagement with Capital India Home Loans signifies approval and acceptance of all changes to this policy.

This Privacy Policy shall always be read in conjunction with any applicable terms of use, agreements, or other policies specific to your interaction with Capital India Home Loans.

How we use your Personal Data

How We Use Your Personal Data Information Voluntarily Provided by Users

We collect, and process Personal Data and Sensitive Personal Data provided by you during your interaction with Capital India Home Loans, whether through the Website, forms, emails, phone calls, or other means of communication. This may include, but is not limited to, your name, address, contact information, financial information, identification documents, medical records (if applicable), and other details required to provide our services or fulfill contractual and legal obligations.

We process this information for purposes such as:

• Administration of services and products offered by Capital India Home Loans.

• Compliance with legal and regulatory requirements.

• Improving our services and customer relationships.

• Performing any contract or taking steps to enter into a contract with you.

• Communicating with you regarding inquiries, updates, or promotional offers.

By voluntarily providing us with your Personal Data and Sensitive Personal Data, you give explicit consent for its use in accordance with this Privacy Policy.

Automatically Collected Information

We may also process information such as device ID, IP address, browser type, operating system, website navigation patterns, and other data collected automatically when you use the Website or other digital platforms. This information is used for analytics, security, and improvement of our services.

Cookies

Cookies and similar technologies may be used to enhance your experience on our Website, track user preferences, and compile aggregated data about site traffic and interaction. Third-party services may also be employed to assist in this process.

Retention of Personal Data

Capital India Home Loans retains Personal Data and Sensitive Personal Data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations.

How We Protect Your Information

We implement robust security measures, including technical, operational, and physical safeguards, to protect Personal Data and Sensitive Personal Data. These measures include restricting access to authorized personnel, regularly scanning for vulnerabilities, and ensuring that third-party service providers adhere to equivalent security standards. While we strive to protect your information, no system is completely secure, and we cannot guarantee absolute security.

The Website is scanned on a regular basis for any known vulnerabilities in order to make your use as safe as possible.

Your Personal Data is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems or otherwise require the Personal Data for the purposes enlisted in this privacy policy. These persons are also under an obligation to keep such Personal Data confidential.

Please be aware that, although we endeavour to provide reasonable security for your Personal Data, no security system can prevent all potential security breaches.

We endeavour to ensure to the best of our ability that all third party service providers whose services which we may use, maintain security standards that are equivalent to our security standards and commensurate with market practices, in the context of the kind and nature of Personal Data being stored or handled.

Your Rights Depending on applicable laws, you may have rights to access, rectify, or delete your Personal Data, as well as to object to or restrict its processing. To exercise these rights, please contact us using the details provided on our Website.

By engaging with Capital India Home Loans, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

Disclosures to third parties

We do not sell, trade, publish or otherwise transfer your Personal Data to outside parties, unless we provide you with advance notice and obtain your prior consent to do so.

This does not include our trusted service providers, including without limitation, our hosting partners, who assist us in operating the Website, conducting our business, or serving our clients; so long as they agree to keep this information confidential and do not have any independent use of the information we disclose to them. You hereby give us your consent to transfer your Personal Data to our trusted service providers.

We may also release certain limited information when its release is required to comply with the law, enforce our policies, or protect ours or others’ rights, property or safety, investigate fraud or respond to a government request.

We may also share your information in connection with a substantial corporate transaction, such as mergers, acquisition, the sale of our business, a divestiture, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Limitation of Liability

Notwithstanding anything contained in this privacy policy or elsewhere, Capital India shall not be held responsible for any loss, damage or misuse of the information provided or collected from the User.

The Website may include links to other websites (other than the websites of our affiliates) whose privacy practices may differ from ours. Capital India does not provide any Personal Data to such third-party websites. If you submit your Personal Data to any of those sites, your information will be governed by their privacy statements. We encourage you to read the privacy statement of any website you visit. Capital India shall not be liable for any loss, damage, claim or expenses suffered by you as a result of accessing these third-party sites and features.

Policy Review

We reserve the right to change or update this policy with immediate effect, at any time, by replacing this policy with the revised policy on our Website.

Governing Law and Jurisdiction

The terms of this privacy policy are governed by and shall be interpreted in accordance with the laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. In the event of any dispute arising between Capital India on one hand and the User and/or any third party on the other hand, in relation to the terms of this privacy policy, whether in contract or tort or otherwise, such User and/or third party hereby agree to submit to the jurisdiction of the courts located at Delhi, India for the resolution of all such disputes.

Process of Grievance Redressal:

Customers who have any Complaint, can follow the following process for its redressal: Register the Complaint in a complaint register which is available at all regional / branch offices of the Company.

Primary Level:

Email at customercare@capitalindia.com
Call on +91-022-4503 6000; or

Secondary Level:

Email id; service@capitalindia.com
. Contact No; +91-022-45036000

Third Level:

Online Mode - https://grids.nhbonline.org.in/

d) Write to the Company at the below mentioned address: Capital India Home Loans Limited Level - 20, Birla Aurora Dr. Annie Besant Road, Worli, Mumbai – 400030. Kind Attention: Customer Service Team

For more information, refer to Grievance Redressal Policy on website.