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Privacy Policy

This privacy policy ("Policy") explains the policy regarding the collection, use, disclosure and transfer of your information by Aadhar Housing Finance Limited ("AHFL"/"We"), a company registered under the provisions of the erstwhile Companies Act, 1956, having its registered office at 2nd Floor, No. 3, JVT Towers, 8th A Main Road, Sampangi Rama Nagar, Hudson Circle, Bengaluru, Karnataka, India – 560027 and its Corporate Office at Unit No. 802, Natraj Rustomjee, Western Express Highway and M.V. Road, Andheri (East), Mumbai – 400069, which is engaged in the business of housing finance and advertisement of real estate properties/projects for sale on its portal www.aadharhousing.com and mobile application (collectively referred to as the "Website").

The Policy forms an integral part of AHFL's Terms of Use and shall be read harmoniously therewith. Capitalized terms used but not defined herein shall have the same meaning as in the Terms of Use.

The Policy is applicable to any person who accesses or avails the Website — including registered users (User Account / Lister Account) and visitors browsing non-restricted portions. References to 'you' means any person submitting any data or information to the Website.

The Policy is effective from the date and time you first access the Website in acceptance of the Terms of Use. By accessing and/or using the Website, you consent to the collection, storage, use, transfer, sharing and distribution of the information you provide. If you do not want to be bound by this Policy, please do not use our Website.

Section 1

Information Received, Collected and Stored by AHFL

AHFL may receive and store any information you enter on the Website. In order to provide a personalized browsing experience, AHFL collects personal information by way of two methods: (a) information supplied by you; and (b) information automatically collected while navigation ("Information").

1.1 Registration Information

When you register on the Website, We ask you to provide basic contact information such as your name, sex, age, address, pin code, contact number, occupation, interests and email address. When you register using other accounts like Facebook, Instagram, Twitter, Gmail etc., We shall retrieve your registration information from such account to continue to interact with you and to continue providing the Services.

You can choose not to provide certain information but then you might not be able to take advantage of many of the Website's features. We use the registration information to respond to your requests and interests, customise your User Account or Lister Account, improve the Website, and communicate with you directly or through our affiliates.

1.2 Voluntary Information

We may collect additional information at other times, including but not limited to, feedback, comments, change of content or email preferences, response to a survey, or any communications with AHFL.


Section 2

Information Automatically Collected / Tracked While Navigation

2.1 Cookies

To improve the responsiveness of the Website for you, We may use "cookies", or similar electronic tools, to collect information and to assign each User a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer or device. Unless you voluntarily identify yourself through registration, We will have no way of knowing who you are, even if We assign a cookie to your computer or device. The only personal information a cookie can contain is the information you supply. A cookie cannot read data off your hard drive or device. Advertisers on the Website may also assign their own cookies to your browser (if you click on their ads etc.), a process that We do not control.

Cookies are small data files that We transfer to your computer. We use:

  • "Session" cookies — to keep you logged in while you use the Website, to better understand how you interact with it, and to monitor aggregate usage and web traffic information.
  • "Persistent" cookies — to recognize you each time you return to the Website, remember your preferences, and (if you create an account) to make your experience consistent after registration.

2.2 Opting Out

A User has the option of accepting or declining cookies from the Website by changing the settings of their web browser. The Website automatically accepts cookies, but you can change your settings. You can also use your browser settings or other tools to delete cookies you already have. Please be aware that some parts of our Website may not work for you if you disable cookies.

2.3 Log File Information

The Website servers automatically record information ("Log Data") created by your use of the Website. Log Data may include:

  • IP address, browser type, operating system
  • The referring web page, pages visited, location
  • Your mobile carrier, device, search terms, and cookie information

We receive Log Data when you interact with the Website. We use Log Data to provide our Services and to measure, customize, and improve them, as well as collect and use them in the aggregate.

The Policy does not apply to, nor does AHFL take any responsibility for, any information that is collected by any third party either using the Website or through any links on the Website or through any of the advertisements.


Section 3

Information Sharing and Disclosure

We restrict access to your Information to employees who We believe reasonably need to know that Information in order to fulfil, provide, operate, develop or improve our Website or Services.

AHFL does not transfer or share Information about you with another Person or non-affiliated companies except:

a

To provide products or services you have requested; or

b

With your permission; or

c

Under the following circumstances:

CIRCUMSTANCES UNDER WHICH INFORMATION MAY BE SHARED

1

We provide the information to AHFL's employees, agents, and trusted partners who work on behalf of or with AHFL under confidentiality agreements. These companies may use Information about you to help AHFL communicate with you about offers on the Website and our marketing partners.

2

We may disclose Information if required to do so by Applicable Law or in good-faith if We believe that such action is necessary to (a) conform to the edicts of the Applicable Law; or (b) protect and defend the rights or property of AHFL; or (c) act under exigent circumstances to protect the personal safety of users of AHFL, the Website or to protect the public.

3

When We believe it is necessary to share the Information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any Person, violations of the Terms of Use, or in any manner which We deem fit.

4

We may also use the Information to improve our services, content and advertising.

5

We may use the Information to send you important notices and communications regarding our products and services availed or changes to the Terms of Use.

6

Information may also be used internally for research, analysis and auditing.

7

We share your Information such as, but not limited to, name and contact number with employees of AHFL based on expression of interest regarding properties and home loans who may contact you. By using the Website, you authorize AHFL to contact you via email or phone and offer you information and services. You expressly authorize us to call you irrespective of your registration with the National Do Not Call registry.

8

We may collect non-personal Information such as browser details, operating system, occupation, language, pin code, unique device identifier, and location to better understand customer behavior and improve our products, services, and advertising. This aggregated, non-personal information may be shared with third parties to enhance customer experience, product offerings or services.


Section 4

Confidentiality and Security

Please note that no system is full-proof, including ours, and though We endeavour to protect the Information from illegal means, the same cannot be guaranteed by AHFL. Hence, by accessing the Website you expressly waive all your claims against AHFL of any nature in this regard.

AHFL cannot guarantee absolute security of information transmitted over the internet. You are advised to take appropriate precautions to protect your login credentials and notify AHFL immediately of any suspected unauthorised access.


Section 5

Third Party Websites

AHFL, its contractors, agents, owners, and employees are not responsible for the content or the privacy policies of other websites to which the Website may link. Please take time to learn about them before accessing such websites.

AHFL has no control over the practices of third-party websites. Clicking external links from our Website is entirely at your own risk and discretion.


Section 6

Changes to Policy

AHFL reserves the right to update, change or modify the Policy at any time. The Policy shall come into effect from the date of such update, change or modification posted on the Website.

Your continued use of the Website or Services after the updated, changed or modified privacy policy is posted on the Website shall be deemed acceptance of such revised privacy policy. You are advised to review the Policy periodically on the Website to ensure that you are aware of the latest version.


Section 7

Disclaimer

7.1 Disclosure Liability

AHFL shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any Information, nor for any error, omission or inaccuracy with respect to any Information so disclosed and used whether or not in pursuance of a legal process or otherwise.

7.2 Unsolicited Information

Any information shared by you which is not asked by AHFL during registration, either mandatorily or optionally, amounts to wilful and intentional furnishing and AHFL will not be liable for breach of such additional information.


Section 8

Grievances

For customer grievances, the customer may raise a complaint in writing or electronically (i.e. by email) to the address below. We aim to acknowledge your complaint promptly and resolve it at the earliest.

Customer Care — Aadhar Housing Finance Limited

Mode of complaint

In writing or electronically (Email)

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