Disclaimer
The information, software, products, and services included in or available through the Hiranandani Financial Services Private Limited “HFS” sites/services may include inaccuracies or typographical errors. Changes are periodically made to the HFS sites/services and to the information therein. HFS and/or its respective suppliers may make improvements and/or changes in the HFS sites/services at any time. Advice received via the HFS sites/services should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.
HFS and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the HFSL sites/services for any purpose. All such information, software, products, services, and related graphics are provided “as is” without warranty of any kind. HFS and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title, and non-infringement.
You specifically agree that HFS shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through an HFS site/service. you specifically agree that HFS is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights.
Privacy Policy
Hiranandani Financial Services Private Limited (“We”, “HFS”, “Our” or “Us”) respects your privacy and is committed to safeguarding the personal information of visitors to Our Website. This privacy policy describes how We collect, use, process, store, and safeguard your personal information when you access Our Website or use Our services (“Policy”). This Policy applies to all current and former users accessing or using the Website or otherwise engaging with Us through email or other means (collectively, “You” or “Your”). Please read this Policy carefully. By visiting or continuing to use Our Website or using any of Our web-based services (as applicable), You indicate Your agreement to Our use of Your personal information as set out in this Policy. If You do not agree with the terms of this Policy, please do not use this Website or any web-based services (as applicable). You hereby provide Your unconditional consent or agreements to Us as provided under Section 43A and Section 72A of the Information Technology Act, 2000 (“IT Act”).
We only collect personal information when we truly need it to provide better services to You. We collect it by fair and lawful means, with Your knowledge and consent. Through this Policy, We also let You know why We’re collecting it and how it will be used. This Policy shall be construed to be provided in compliance with the IT Act, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and other rules and regulations framed under the IT Act (as may be amended from time to time).
1. Introduction : The domain name hfs.in (the “Website”) is owned by Hiranandani Financial Services Private Limited, a company incorporated under the Companies Act, 2013 with its corporate office at 9th Floor, Sigma Building, Hiranandani Business Park, Technology Street, Powai, Mumbai – 400076, Maharashtra. For more information, please visit Our Website: www.hfs.in.
2. Types of Personal Information We Collect : We may collect the following types of personal information:
- Identification Information: Name, gender, residential/correspondence address, telephone number, date of birth, marital status, email address, PAN, Aadhaar details, KYC status.
- Banking and Payment Information: Bank account details or other payment instrument details.
- Transaction Information: Details of financial transactions, including SMS notifications related to transactions for credit risk assessment.
- Media Information: Documents uploaded by You during the user account management or transaction order placement process.
- Device Information: Information about Your device such as operating system, mobile network details, and device identifiers.
- Contact Information: If You select contacts as references during the loan journey, We may access the name and phone number of the contacts. Your contact list will not be uploaded to Our servers.
- To run a promotion, contest, survey or other site feature.
- To send the User/s information they agreed to receive about topics of interest to them.
- To send periodic emails.
We may also automatically collect the following technical information when You visit Our Website:
- Log File Information: Browser type, operating system, IP address, domain name of your ISP, date and time of visit, and pages visited. This data is used to improve the Website’s functionality and user experience.
3. Purpose of Collection and Use of Information :
We collect, retain, process and use your personal information with any third party for the purpose of Our legitimate business interests and any purpose as may be permissible under applicable law (including where the applicable law provides for such collection, usage, storage or processes in accordance with the consent of the user) including the following:
- To deliver the products and services You request.
- To process your financial and non-financial transactions.
- To conduct research and enhance Our services and customer experience.
- To verify Your identity for availing financial services.
- To communicate service updates, changes, and other essential information.
- To address, investigate, and resolve complaints or disputes.
- To fulfil legal, regulatory, and compliance requirements (collectively referred as the “Purposes”).
Any such sharing or disclosure of personal or sensitive personal information is only to entities / individuals who adhere to the same levels of security standards as maintained by Us or as required under applicable laws, to ensure the security, integrity, and privacy of Your personal information.
- Combining Information: The information We collect about You may be combined for the Purposes outlined in this Policy, including to help Us tailor Our communications to You.
4. Disclosure of Information : We are committed to maintaining Your trust and We want You to understand when and with whom We may share Information collected about You. You hereby unconditionally agree and permit that We may transfer, share, disclose or part with all or any of Your Information, within and outside of the Republic of India for one or more of the Purposes or as may be required by applicable law to third party service providers / partners / body corporates or regulatory authorities including the following:
- Authorized service providers and partners who assist in carrying out Our business operations;
- Regulatory and supervisory authorities, including RBI, SEBI, KYC Registration;
- Agencies, and others, for processing or verifying your transaction requests; and
- Judicial, governmental, or regulatory bodies, auditors, or any other parties as required under applicable laws or legal processes.
We will not disclose Your sensitive personal information to any third party without Your consent, except as outlined above.
5. Retention of Information: We retain Your personal information only for as long as necessary to fulfil the purposes outlined in this Policy, or as required by applicable law. After fulfilling the required Purpose, We will securely dispose of Your data in accordance with applicable laws.
6. Disposal of Information: We ensure that personal data is disposed of securely, in compliance with privacy regulations, once the information is no longer required for business or legal purposes.
7. Communications & Notifications : By using Our Website, You consent to receiving electronic communications from Us. This may include updates about Our services, legal notifications, and other relevant information. You may opt-out of certain types of notifications as per Your preference.
8. Cookies and Tracking Technologies :
- Use of Cookies
We use cookies and similar tracking technologies to improve Your experience on Our Website. By using the Website, You consent to Our use of cookies as described in this Policy.
- Types of Cookies We Use
- Essential Cookies: Required for basic functionality and security of the Website.
- Performance Cookies: Used to gather data on how visitors use Our Website, which helps improve the user experience.
- Functionality Cookies: These remember Your preferences and settings for a personalized experience.
- Targeting Cookies: Used for advertising purposes, tracking user behavior across sites.
- Managing Cookies
- Types of Cookies We Use
You can control or delete cookies through Your browser settings. However, disabling cookies may affect the Website’s functionality.
- Third-Party Cookies
We may allow third-party services to place cookies on Your device to gather data for analytics and advertising purposes. These third parties are responsible for their own privacy policies.
9. Reasonable Security Practices for Protecting Your Information :
We employ physical, operational, managerial, and technical safeguards to protect Your personal information. These include data encryption, secure servers, and controlled access based on user roles. However, We cannot guarantee the security of Your data transmission, and You do so at Your own risk.
10. Updating or Reviewing Your Information :
You may request to access and update the personal information We hold about You. If any details are found to be inaccurate or incomplete, We will take necessary steps to rectify or update them accordingly.
11. Links to Other Websites :
Our Website may include links to external third-party websites. These links are provided for Your convenience only and the provision of these links does not mean that sites are related or associated with Us. We are not responsible for the content, security, or privacy practices of such websites. We don’t guarantee the content and the security of those sites. We advise You to review their respective privacy policies before providing any personal information. We shall not be responsible for any loss, damage, claim or expense caused as a result of You accessing these third party sites and features.
12. Changes to Our Policy :
We may revise this Policy from time to time. Any updates will be published on our Website and will take effect immediately upon posting. We encourage You to review this page periodically to remain informed about Our privacy practices. If We make any material changes in the way We use Your personal information, We will notify You by sending an email message to the email address You most recently provided to Us or by prominently posting a notice of the changes on the Website. Your continued use of services or provision of data or information thereafter will imply Your unconditional acceptance of such updates to this Policy.
13. Grievance Redressal :
You may contact our grievance officer if You have any concerns or questions regarding this Policy. The name and address of the officer are as below:
Name: Dheeraj Mittal
Email: dheeraj.mittal@hfs.in
14. Choice/Opt-Out
You agree and acknowledge that You are providing Your information out of Your free will. You have an option not to provide or not permit Us to collect Your personal information or later on withdraw Your consent with respect to such personal information so provided herein by sending an email to the grievance officer or such other electronic address as may be notified to You. Please note that the We may continue to retain certain data including personal data to comply with our legal and regulatory obligations. Withdrawal of consent may also impact certain products or services being provided to You at the time.