Welcome to IIFL Home Finance Limited. This mobile application namely “Kutumb Pro” is owned by IIFL Home Finance Ltd., is a registered housing finance company with National Housing Bank (NHB) and is a subsidiary of IIFL Finance Ltd, a company incorporated under the Companies Act, 1956 with its registered office at IIFL House, Sun Infotech Park, Road No 16V and Plot No. B 23, MIDC, Thane Industrial Area, Wagle Estate, Thane -400 604 (hereinafter referred to as "IIFL HFL").

IIFL Home Finance Limited is India’s one of the leading players in Indian financial service space. With its head quarter in Gurugram (Haryana, India), company is engaged in providing loans for purchase, construction and renovation of homes as well as SME Secured loans for business & personal needs and construction finance loans to builders and developers engaged in construction of affordable homes. For more information please visit www.iiflhomeloans.com (“website”).

We, at IIFL HFL respect the privacy of everyone who visits this Application and the website and are committed to protecting their personal information. This Privacy Policy applies to all visitors of this mobile application and visitors to our Website and to all subsidiaries of IIFL Home Finance Ltd.

For the purpose of this Privacy Policy, the term "You" or "User" shall mean any natural or legal person including online and offline clients visiting our mobile application and/or website and the term "We", "Us", "Our" shall mean IIFL Home Finance Ltd along with its Subsidiaries.

Use of this Application or the Website signifies your acknowledgement and consent to this Privacy Policy. If, however, you object to Your Information being used, processed and transferred by IIFL HFL in any way, please do not share your information on this mobile application or Website.

Please read this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE APPLICATION OR WEBSITE

This Privacy Policy does not apply to the third-party online/mobile store from which you install the Application, including any in-application virtual items, which may also collect and use data about you. We are not responsible for any of the data collected by any such third party.

Type of Personal Information Collected

IIFL HFL may for the purpose of rendering its services, collect personal information as described below:

• Information that may be provided by you directly, such as:
  • Identification Information: Name, gender, residential / correspondence address, telephone number, date of birth, marital status, email address or other contact information.
  • PAN, KYC Status, Signature and Photograph.
  • Bank account or other payment instrument details.
  • Any other detail which may be required by us for providing services
• Information that we may collect from Your use of Our services, such as:
  • Transaction Information: We read, collect and monitor only financial transactional SMS for description of the transactions and the corresponding amounts for credit risk assessment. Other SMS data is not accessed.
  • Storage Information: We may facilitate user to download and display information such as scheme commission details which a user may refer to, or to upload relevant documents as per various processes during user account management or transaction order placement.
  • Media Information: We facilitate users to capture / upload relevant documents as may be required to be uploaded during user account management or transaction order placement.
  • Device Information: We collect specific information about your device when you access our Services, including your storage, hardware model, operating system and version, unique device identifier, mobile network information, and information about the device’s interaction with our services.
• Log File Information which shall be stored automatically:
  If you visit/ log into our mobile application or website just to browse, read pages or download information, certain information regarding your visit is automatically stored on our systems. This information cannot and does not identify you personally.
  The kind of information that is gathered automatically include without limitation:
  • the type of browser you are using (e.g. Internet Explorer, Firefox, etc.),
  • the type of Operating System you are using (e.g. Windows or Mac OS) and
  • the domain name of your Internet Service Provider, the date and time of your visit and the pages on our website.
  • Mobile Device Access: We may request access or permission to certain features from your mobile device, including your mobile device’s storage. If you wish to change our access or permissions, you may do so in your device’s setting

We sometimes use this information to improve the application and website(s) design, and content primarily to give you a better browsing experience.

This Policy is not intended to and does not create any contractual or other legal rights in favour of any user or viewer of www.iiflhomeloans.com or our application on behalf of any other party.

Purpose of Collection and Usage of Information

On our mobile application and site we collect, retain, and use information about you only when we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. Such information is collected for specified business purposes, such as:

• to provide you with the services that might be required by you,
• to process your financial and non-financial transaction requests,
• to undertake research and analytics for offering or improving our services,
• to check and process your applications which may be submitted for availing any financial services,
• to share with you any updates/changes to the services and their terms and conditions,
• to take up and investigate any complaints/claims/disputes,
• to respond to your queries and feedback submitted by you,
• for verification of your identity and other parameters,
• to fulfil the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us.

Disclosure of Information

The information provided by you may be disclosed to:

• RBI/SEBI/ NSE/ BSE/ MCX /Asset Management Companies of Mutual Funds / Registrar and transfer Agents / Collecting Banks / KYC Registration Agencies (KRAs) and other such agencies, solely for the purpose of processing your transaction requests for serving you better,
• Another business entity to carry out any business activity or re-organization, amalgamation, restructuring of business or for any other reason whatsoever,
• Any judicial or regulatory body,
• Auditors,
• Other third party service providers.

We shall not publish the sensitive personal data or information or disclose it further, without your consent, for any purpose other than stated above.

Retention of Information

IIFL HFL shall not retain or store such information for periods longer than is required for the purposes except when the information may lawfully be used or is otherwise required under any other law for the time being in force.

By agreeing to avail the services offered by IIFL HFL, you have agreed to the collection and use of your Sensitive Personal Data or Information, as well, by IIFL HFL. You always have the right to refuse or withdraw your consent to share/disseminate your Sensitive Personal Data or Information by contacting the customer care. However, in the event of your refusal or withdrawal of personal data, you shall not be able to avail any services of IIFL HFL to the fullest extent.

Communications & Notifications

When You use the Application or Website or send emails or other data, information or communication to us, You agree and understand that You are communicating with us through electronic mode and You consent to receive communications from us periodically. We may send notifications to you via email or in writing as a hard copy notice, or through conspicuous posting of such notice on our Website page. You may choose to opt out of certain means of notification as you may deem fit.

Updating or Reviewing Your Information

You may upon written request to us review the personal data or information provided by You. IIFL HFL shall ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible.

Reasonable Security Practices for Protecting Your Information

IIFL HFL uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. These include internal reviews of our data collection, storage and processing practices and security measures, such as appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.

All information gathered on the Application or said website is securely stored within the IIFL HFL controlled database. The database is stored on secured servers; access to which is password-protected and is strictly limited.

To protect your privacy and security, IIFL HFL takes reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from IIFL HFL, at all times

Although we use security measures to help protect your personal information against unauthorised disclosure, misuse or alteration, as is the case with all computer networks linked to the internet, IIFL HFL cannot, however, ensure or guarantee the security of any information you transmit to IIFL HFL and you do so at your own risk. Once we receive your transmission of information, IIFL HFL makes commercially reasonable efforts to ensure the security of such information.

Links to Other Web Sites

Please note that this Privacy Policy does not extend to third party sites linked to this Application or website. IIFL HFL is not responsible for the content and the privacy practices of such linked websites. It is advisable to read each such linked website’s privacy statement prior to sharing any information.

Intellectual Property rights and usage:

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of IIFL Home Finance Limited and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of IIFL HFL or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

• Reproduction of the IIFL HFL’s Logo and Trademark
  The IIFL HFL’s logo and trademark may not be reproduced, whether for personal, commercial or non-commercial purposes, without written authorization from IIFL HFL.
• Third-party Content and Licensed Content
  Some Application or website content may be produced by third parties who retain all rights in such material. Such content is used by IIFL HFL with the permission of the content’s owner and may be subject to specific terms and conditions. The rights of such third parties is protected under the Copyright Act, 1957, Trade Marks Act, 1999 (as amended time to time) and other applicable Intellectual Property laws. IIFL HFL does not grant You permission to re-use such third-party content.

Except as required by law and in accordance with IIFL HFL‘s Privacy Policy, IIFL HFL will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to IIFL HFL. However, postings by a user on any message board or in any chat room will not be protected as confidential and IIFL HFL may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by IIFL HFL

Site Security:

You are prohibited from violating, or attempting to violate, the security of this site. Any such violations may result in criminal and/or civil penalties against you. We will investigate any alleged or suspected violations and if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations. Violations of the security of the site include without limitation:

• logging into or attempting to log into a server or account that you are not authorized to access;
• accessing data or taking any action to obtain data, information or services not intended for you or your use;
• attempting to probe, scan or test the vulnerability of any system or network;
• tampering, hacking, modifying or otherwise corrupting or breaching security or authentication measures;
• transmitting material that contains viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files or other computer programming routines or engines or engage in conduct that could damage, disrupt or otherwise impair or interfere with a computer's functionality or the operation of the site.
• Other Prohibited Activity
  In using this site, you must not:
  • post, send or otherwise transmit to or through the site any unlawful, infringing, harmful, harassing, defamatory, threatening, vulgar, sexually explicit, hateful or otherwise objectionable material of any kind, any material that exploits children or is invasive of or in breach of another person's privacy or other rights or any material that IIFL HFL in its sole discretion does not wish posted or transmitted on the site;
  • defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
  • upload or otherwise make available, files that contain images, software or other material protected by intellectual property laws, including without limitation copyright or trademark laws and rights of publicity and privacy unless you own or control the rights thereto or have received all necessary authorizations to do the same;
  • misrepresent your identity or affiliation in any way;
  • engage in deceptive online marketing;
  • violate any applicable laws or regulations; or
  • assist or permit any persons in engaging in any of the activities described above.
• Proper Usage
  You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Application or Website or any transaction being conducted on Application or the Website, or with any other person’s use of the Application or Website.

Changes to Our Privacy Policy

Please note that this policy may change from time to time. If We change our privacy policies and procedures, We will post the changes on the Website to keep You updated. Changes to this Policy shall become effective on the day they are posted on this page. Please visit our website to keep yourself abreast of any changes to this Policy.

Grievance Redressal:

Any discrepancies and grievances related to the processing and use of Your information can be raised to the grievance officer appointed by IIFL HFL . For further details please visit Grievance Redressal Procedure.

Cookie Policy

This Application and/or “www.iiflhomeloans.com” ("us", "we", or "our") uses cookies on the Application and “www.iiflhomeloans.com” website (the "Service"). By using the Service, you consent to the use of cookies.

Our Cookies Policy explains what cookies are, how we use cookies, how third-parties we may partner with may use cookies on the Service, your choices regarding cookies and further information about cookies.

What are cookies?

Cookies are small pieces of text sent by your web browser by a website you visit. A cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you.

Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.

How “IIFL.COM” uses cookies?

When you use and access the Service, we may place a number of cookies files in your web browser. We use cookies for the following purposes:

To enable certain functions of the Service. We use both session and persistent cookies on the Service and we use different types of cookies to run the Service:

Essential cookies - We may use essential cookies to authenticate users and prevent fraudulent use of user accounts.

What are your choices regarding cookies?

If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050

For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835

For any other web browser, please visit your web browser's official web pages.

Where can you find more information about cookies?

You can learn more about cookies and the following third-party websites: All About Cookies: http://www.allaboutcookies.org/

Network Advertising Initiative: http://www.networkadvertising.org/

This Policy shall be governed by the laws of Republic of India and the courts at the exclusive jurisdiction and venue of courts in Mumbai, Maharashtra Delhi.

In no event shall IIFL HFL’s and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the IIFL HFL’s sites/services, with the delay or inability to use the IIFL HFL’s sites/services or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the IIFL HFL’s sites/services, or otherwise arising out of the use of the IIFL HFL’s sites/services, whether based on contract, tort, negligence, strict liability or otherwise, even if IIFL HFL’s or any of its suppliers has been advised of the possibility of damages. IIFL HFL does not endorse in anyway any advertisers/ contents of advertisers on its webpages. please therefore, verify the veracity of all information on your own before undertaking reliance and actioning thereupon. IIFL HFL’s shall not be responsible nor liable for any consequential damages arising on account of your relying on the contents of the advertisement.

Termination/ cessation/ cancellation of the services:

This Privacy Policy remains effective until (a) you failed to comply with any term or provision of this Privacy Policy; (b) the services is ceased or cancelled for any reason, whatsoever. Upon termination/cessation of the services, you must destroy all materials obtained from this site and all copies thereof. The provisions of this Privacy Policy concerning site security, prohibited activity, copyrights, trademarks, user submissions, disclaimer, limitation of liability, indemnity, governing law and jurisdiction shall survive any termination/cessation of services under this Policy or otherwise.