Privacy Policy for
HomeLoanAI.in

Last Updated: 12th December 2023

1. Introduction
This Privacy Policy ("Policy") is an electronic record governed by the Information Technology laws and associated regulations. By visiting or using the HomeLoanAI .in website ("Website") or the HomeLoanAI mobile application ("Mobile Application"), you agree to the terms outlined in this Policy. HomeLoanAI .in is operated by VHashtag ("Company"), registered under the Companies Act, 2013.

2. Definitions

• "User" or "Client" refers to individuals browsing the Site.
• "Company" refers to VHashtag and its affiliates.
• "Site" or "Website" includes HomeLoanAI .in, and any other associated websites/ mobile application owned by the Company.
• "Information" or "Personal Information" includes data supplied by the User in accordance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data) Rules, 2011.

3. Acceptance of Terms
By visiting or using the Website/Mobile Application, the User accepts the terms and conditions outlined in this Policy.

4. Information Collection
The Company collects Personal Information, including but not limited to:

• Name
• Email address
• Contact details
• Zip/Postal code
• Demographic profile
• Financial information

5. Security Practices and Procedures
The Company employs reasonable measures to protect User information in accordance with the Information Technology Act, 2000. However, the User indemnifies the Company from any liability for the loss of data resulting from events beyond the Company's control.

6. Privacy Principles

• Security: User account information is password-protected for privacy and security.
• Choice: Users may choose whether to provide Personal Information, but this may impact access to certain features.
• Notice: Information collection is for legitimate purposes, and the User may inquire about the purpose.
• Access/Accuracy: Users can update or correct Personal Information through provided channels.

7. Consent
By using the Website/Mobile Application, the User consents to the Privacy Policy and the Company's processing of their Information. The Company may contact Users via email, phone calls, or SMS for service-related purposes.

8. Sharing and Storage of Users' Personal Data
The Company shares data with competent authorities, partners, or service providers based on legal requirements or User consent. Personal Data is stored on servers in India.

9. Deletion of User Personal Data
Users may delete their account by contacting care@homeloanai.in. The Company retains data as long as necessary for its intended purpose or as required by law.

10. Changes in Privacy Policy
The Company reserves the right to modify this Privacy Policy. Changes will be posted on the Website/Mobile Application, and significant changes will be notified.

11. Data Security
VHashtag ensures information security compliance. The Company cannot guarantee absolute security but uses various technologies and procedures to protect data.

12. Data Privacy
For data privacy concerns or questions, users can contact care@homeloanai.in.

13. Miscellaneous
Users can review and correct information. The Company is not responsible for the privacy practices of third-party websites.

14. Nodal Grievance Redressal
For grievances, contact the Nodal Grievance Officer:

• R.N. Pal
• grievances@homeloanai.in

15. Effective Date
This Policy is effective from 12th December 2023.