Privacy Policy for Daksh Home Loans

At Daksh Home Loans, we take your privacy seriously. This Privacy Policy outlines how we collect, use, and protect your personal information when you use our website or services. By using our services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We collect personal information that is essential for providing you with the best possible service. This includes:

• Personal Identification Information: Name, phone number, email address, date of birth, gender, residential address, PAN number, Aadhaar details (if applicable), and other details required for loan processing.
• Financial Information: Income details, credit history, bank statements, and other financial data relevant for loan approval.
• Device & Usage Data: Information about how you interact with our website (e.g., IP address, browser type, operating system, pages viewed, and the time spent on our website)

How We Use Your Information

We use the information we collect for the following purposes:

• Loan Processing: To assess eligibility, process home loan applications, balance transfer, top-up loans, and other financial services.
• Communication: To communicate with you regarding your loan application, updates, and other services.
• Marketing and Promotions: To send you promotional materials or updates regarding home loans and other financial services (you can opt out of these at any time).
• Improving Services: To enhance the functionality of our website, improve user experience, and troubleshoot issues.

How We Protect Your Information

We implement a variety of security measures to maintain the safety of your personal information when you submit your information through our website. These include encryption and secure servers, along with routine checks to ensure that data is stored safely.

Sharing of Your Information

We respect your privacy and do not sell, trade, or rent your personal information to third parties. However, we may share your personal information with the following:

• Banks & Financial Institutions: To process loan applications and verify your financial details for approval.
• Regulatory Authorities: As required by law or to comply with legal obligations.
• Third-party Service Providers: Who help us run our website, conduct business, or assist in loan processing, under confidentiality agreements.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us understand how you use our website and enable us to improve its functionality. You can adjust your browser settings to block or delete cookies, though some features of our website may not work as intended if you do so.

Your Rights and Choices

Access and Correction: You can request to access or correct the personal information we hold about you.
Opt-out of Marketing: You can opt out of receiving promotional emails by following the “unsubscribe” link in the email or contacting us directly.
Data Retention: We retain your data only for as long as necessary to fulfill the purpose for which it was collected, including legal and regulatory requirements.

Data Transfer

If you are located outside of India, please be aware that your data may be transferred to and processed in India. By using our services, you consent to such transfers.

Children’s Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect or solicit personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately so we can remove it from our records.

Changes to This Privacy Policy

We may update our privacy policy from time to time. Any changes will be posted on this page, and the date of the most recent revision will be indicated at the top of the page. We encourage you to review this policy periodically to stay informed about how we are protecting your information.