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Legal Information

Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.

This Privacy Policy describes how AGRIM Housing Finance Private Limited ("we," "our," or "us") collects, uses, and protects your personal information when you use our website and services. We are committed to protecting your privacy and ensuring the security of your personal data.

Last Updated: January 1, 2025

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us, including:

  • Name, email address, and phone number
  • Residential address and property details
  • Financial information for loan applications
  • Employment and income information
  • Identity verification documents
  • Bank account details for loan disbursement

Automatically Collected Information

We automatically collect certain information when you visit our website:

  • IP address and device information
  • Browser type and version
  • Pages visited and time spent on our site
  • Referring website information
  • Cookies and similar tracking technologies

2. How We Use Your Information

We use your personal information for the following purposes:

  • Loan Processing: To evaluate, process, and manage your loan applications
  • Customer Service: To provide support and respond to your inquiries
  • Communication: To send you important updates about your account and our services
  • Legal Compliance: To comply with applicable laws and regulations
  • Risk Assessment: To assess creditworthiness and manage financial risks
  • Marketing: To inform you about our products and services (with your consent)
  • Website Improvement: To analyze usage patterns and improve our website

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers

We may share information with third-party service providers who assist us in:

  • Credit verification and background checks
  • Document processing and verification
  • Payment processing and collection
  • IT services and data storage
  • Marketing and communication services

Legal Requirements

We may disclose your information when required by law or to:

  • Comply with legal obligations
  • Respond to court orders or legal processes
  • Protect our rights and property
  • Prevent fraud or illegal activities
  • Ensure the safety of our users and the public

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

  • Encryption: All sensitive data is encrypted during transmission and storage
  • Access Controls: Limited access to personal information on a need-to-know basis
  • Regular Audits: Periodic security assessments and vulnerability testing
  • Employee Training: Regular training on data protection and privacy practices
  • Secure Infrastructure: Protected servers and secure data centers
  • Incident Response: Procedures for handling security breaches

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest standards of data protection.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience:

Types of Cookies

  • Essential Cookies: Necessary for website functionality and security
  • Analytics Cookies: Help us understand how visitors use our website
  • Preference Cookies: Remember your settings and preferences
  • Marketing Cookies: Used to deliver relevant advertisements

Cookie Management

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality. You can also manage your cookie preferences through our cookie consent banner.

6. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access: Request access to your personal information we hold
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal requirements)
  • Portability: Request a copy of your data in a structured format
  • Objection: Object to processing of your information for certain purposes
  • Restriction: Request restriction of processing in certain circumstances
  • Withdrawal of Consent: Withdraw consent for marketing communications

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided in the Contact Information section below. We will respond to your request within 30 days.

7. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us:

Data Protection Officer

AGRIM Housing Finance Private Limited

609, Inizio, Opposite Procter and Gamble

Chakala, Andheri (E), Mumbai 400069

Maharashtra – 400069, India

Email

privacy@agrimhousingfinance.com

Phone

+91-22-1234-5678

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

  • Posting the updated policy on our website
  • Sending you an email notification
  • Displaying a notice on our website

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.