The Customer provides his/ her personal information to Home Credit which may be of a confidential or sensitive nature in the course of:
Such information may include your personal details (like name, address, date of birth, father’s name, mother’s name, your photograph etc.), contact details (like your residential address, email address, telephone/ mobile number etc.), business, credit and financial information, device location and information, messages, contacts, call logs, emails, log information like your search queries, IP address, crashes, date and time, browser web storage, application data caches, Cookies and similar technologies and data of the such Customers (collectively and individually referred as, “Customer Data”).
The aforesaid Customer Data may be shared with Home Credit through variety of sources, including through:
When the Customer applies for any loan or service, we first obtain the authority/ consent (including electronic consent viz. e-signatures, ‘I agree’ tick checkbox, onetime password, Yes/No authentication) from such Customer for collection, storage, analysis, publishing and dissemination, at any time of the Customer Data.
By providing the Customer Data to Home Credit, the Customer (or the user) gives his/her express consent to the fact that his/her Customer Data will be maintained and processed by us for various purposes, including allowing Home Credit or its authorised representatives to authenticate Customer Data through Unique Identification Authority of India, to contact the Customer through phone calls, SMS, or e-mails or at postal address, to make follow up calls in relation to the products and services provided by or through Home Credit and/ or its business partners or service providers, for imparting product knowledge, offering promotional offers & various other offers offered by its partners. The Customer has the right to access their Customer Data and to have it corrected, including withdrawal of such consent, by approaching Home Credit.
While using this Website, you agree not to, by any means (including hacking, cracking or defacing any portion of the Website) indulge in illegal or unauthorized activities.
We protect Customer Data against unauthorized use in the same manner in which we protect our confidential information. However, in following conditions, we may share Customer Data:
However, these parties would be required to use the information obtained from Home Credit either for the purposes mutually agreed with Home Credit or for the purposes expressly permitted by the applicable laws exclusively. Home Credit will endeavour to take all reasonable steps to ensure that the confidentiality of the Customer Data is maintained by imposing strict confidentiality standards on all the private and non-statutory third parties to whom it discloses such information. Further, Home Credit shall not retain the information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force.
Home Credit is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures that commensurate with the information assets being protected to ensure confidentiality of the Customer Data and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this policy or in terms of the agreements, if any, with the Customers. In addition, we use small bits of data called “cookies” stored on user’s computers to stimulate a continuous connection. “Cookies” let us store information about your preferences and passwords and allow you to move to different pages of our Website without having to re-enter your password information. Any information collected is stored in secure databases protected via a variety of access controls and is treated as confidential information by us. Therefore, you should be careful with usage of the username and password by maintaining confidentiality and ensure that you do not knowingly or accidentally share, provide and facilitate unauthorized use of it.
Grievance Redressal Officer, Customer Care Department*
Home Credit India Finance Private Limited, DLF Infinity Tower C, 3rd Floor, DLF Cyber City Phase II, Gurgaon-122002, India,
E-mail: firstname.lastname@example.org, Landline: 0124 6628713.
*Please see Grievance Redressal Policy of Home Credit published on our Website.