HDFC Loan Support

1. Introduction

HDFC Loan Support ("we", "our", or "us") is committed to protecting your personal and financial privacy. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our website or services. By using our Platform, you consent to the practices described in this policy.

2. Information We Collect

We collect several categories of information to provide and improve our services:

Personal Identification Information

• Full name, date of birth, gender
• Government-issued ID numbers (PAN, Aadhaar, Passport)
• Residential and mailing address
• Email address and phone number

Financial Information

• Employment type (salaried, self-employed, business owner)
• Monthly/annual income details
• Existing loan obligations and EMI details
• Bank account information (for disbursal and ECS mandate)
• Credit score and credit history (obtained from bureaus like CIBIL)

Technical & Usage Data

• IP address, browser type, and operating system
• Pages visited, time spent, and referral source
• Device identifiers and cookies
• Location data (if permitted by your device settings)

3. How We Use Your Information

Your data is used exclusively for the following purposes:

• Processing and evaluating your loan inquiry or application
• Matching you with suitable lending partners and financial institutions
• Communicating updates on your loan application status
• Sending relevant loan offers, interest rate updates, and promotions (with your consent)
• Performing identity verification and fraud prevention checks
• Complying with regulatory and legal obligations under RBI guidelines
• Improving our Platform through analytics and user feedback

4. Sharing of Information

We do not sell your personal information to any third party. However, we may share your data in the following circumstances:

• Lending Partners: Banks, NBFCs, and financial institutions to process your loan application
• Credit Bureaus: CIBIL, Experian, Equifax for credit assessment purposes
• KYC Service Providers: For identity verification as required by law
• Technology Partners: Cloud and data storage providers bound by strict confidentiality agreements
• Legal Authorities: When required by law, court order, or regulatory directive

All third parties we share data with are required to handle your information with the same level of security and confidentiality that we maintain.

5. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy, including for the duration of your loan relationship plus a minimum of 7 years as required under Indian financial regulations. After this period, data is securely deleted or anonymised.

6. Cookies & Tracking

Our website uses cookies to enhance user experience and track usage patterns. Cookies help us remember your preferences, analyse site traffic, and deliver targeted content. You can control cookie settings through your browser at any time. Disabling cookies may affect the functionality of certain features on our Platform.

7. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL encryption for all data transmissions
• Secure, access-controlled servers with regular security audits
• Multi-factor authentication for internal data access
• Regular penetration testing and vulnerability assessments
• Strict employee data access policies and training

Despite these measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but commit to prompt notification in the event of a data breach affecting your personal information.

8. Your Rights

As a user of our Platform, you have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Deletion: Request deletion of your data, subject to legal retention requirements
• Right to Opt-Out: Withdraw consent for marketing communications at any time
• Right to Portability: Request your data in a structured, machine-readable format

To exercise any of these rights, write to us at: privacy@hdfcloansupport.co.in

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has submitted information through our Platform, we will promptly delete it.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify users of significant changes by posting a notice on our website. We encourage you to review this policy regularly.

11. Legal Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and its use. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury resulting from negligence
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation
• Limit any of our or your liabilities in any way not permitted under applicable law
• Exclude any of our or your liabilities that may not be excluded under applicable law

12. Contact Our Privacy Team

For any questions, concerns, or requests related to this Privacy Policy, please contact:

• 📧 Email: privacy@hdfcloansupport.co.in
• 📞 Phone: 1800-XXX-XXXX (Mon–Sat, 9AM–6PM)
• 📍 Address: HDFC Loan Support, Financial District, Mumbai – 400001