PRIVACY POLICY

Capital India home loans limited (“Capital India Home Loans”) is committed to safeguarding the privacy of any person who accesses and uses our website (“User”), https://capitalindiahomeloans.com (“Website”). In this privacy policy, use of the terms “we”, “us” and “our” refers to Capital India.

This Privacy Policy applies to all individuals or entities accessing the Website or sharing any information or data pertaining to an identified or identifiable natural person ("Personal Data") with us. By using the Website, you agree not to provide any 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. This may include, but is not limited to, the individual's name, address, telephone number, date of birth, gender, email address, organization name, and bank account details.

This privacy policy governs the access, collection, usage, handling, storage and disclosure of such Personal Data during the course of your use of the Website.

By accessing and using the Website, you accept the terms of, and be bound by this privacy policy. This privacy policy may be updated from time to time at our sole discretion or on account of changes in law. Unless otherwise specified, such revisions shall take effect from the day and date they are posted on the Website. Capital India shall be under no obligation to notify the User about the changes. You are advised to consult this privacy policy regularly for any changes, as your continued access and use of the Website shall be deemed to be your approval and acceptance of all changes to this privacy policy.

This privacy policy shall be, at all times, read along with the terms of use of the Website. By accessing and using this Website, you accept and agree to be bound by and comply with (i) this privacy policy and (ii) the Terms of Use.

If a User visits the Website, after choosing to do so, then any dispute regarding breach of privacy will be subject to this privacy policy and its terms and conditions of use.

How we use your Personal Data

Information voluntarily provided by the Subscriber

We collect and process the Personal Data provided by you when you enter information through the online form published on our Website, accept the terms of use of the Website, contact us for help or submit any enquiry, or otherwise enter information on the Website before or during its use. When entering information on the Website, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, company name or other details as required, for us to improve the Website, to contact you and respond to your request or requirements, managing our relationships with you, clients etc. Further, we process the Personal Data as provided by you for the proper administration of the Website, improving the Website, management of our customer relationships and/or performing any contract between you and us and/or taking steps, at your request, to enter into such a contract and/or advertising for our products that might interest you.

By voluntarily providing us with your Personal Data, you hereby give us your consent to use such Personal Data in accordance with this privacy policy. You can always choose not to provide the Personal Data, even though it might be needed to access the Website. In such cases, if any information required is classified as mandatory, you may not be able to avail part or whole of the Website.

Automatically Collected Information

We may also process certain other data, such as device ID, device make/model, IP address, browser type, operating system, page views, website navigation, timing and frequency of use of the Website, marketing preferences, etc. when you use the Website. We use this information purely for analytics and research purposes, in order to improve our Website, and to ensure the security of the Website.

Cookies

Cookies are small files transferred to the hard drive of your device that enable us to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current activity on the Website, which allows us to improve our Website. We also use cookies to help us compile aggregated and anonymized data about the traffic on the Website so that we can offer better experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

Retention of Personal Data

Your Personal Data shall not be retained for longer than is necessary for the purposes for which we collect or process them, unless otherwise required for the purposes of fulfilling any legal obligation.

How do we Protect your Information?

We take the safety of your Personal Data and its confidentiality very seriously and we provide reasonable security safeguards commensurate to the sensitivity of the Persona Data being handled and have implemented security practices including but not limited to technical, operational and physical safeguards to protect your information. We implement a variety of security measures when a User enters, submits, or accesses their information to maintain the safety of your Personal Data.

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.

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.