Your personal information will never be sold
We will not sell or rent your personal information to anyone, for any reason, at any time. grampanchayathomeloan.com uses and discloses your personal information only as follows:
In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your name, mail address, mobile number, date of birth, employment type, residency status, details of loan applied for and loan status may be provided to that co-brand partner when your application is submitted and whenever the status of application is upated. grampanchayathomeloan.com has a business relationship with these co-brand partners and you may not opt-out of sharing your information with these co-brand partners if you have applied via a co-branded URL.
We limit the collection and use of personal information
Certain areas and features of grampanchayathomeloan.com are available to you without the need to provide to us any information. However, other features of the Site or the Service such as applying for a loan will require providing grampanchayathomeloan.com with details such as a your name, email address, address, mobile #, PAN #, employment & income details, personally identifying information about a potential co-loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the "Registration Information"). In order to provide your bank statement or payslip electronically along with your loan application , you also must provide your third-party account credentials ("Account Credentials") to allow grampanchayathomeloan.com to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system.
From time to time we may request more personal information in order to provide you with other benefits of the Service. In such instances, you will always be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. grampanchayathomeloan.com may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:
Such information does not identify you individually. Access to your Registration Information, Account Information and any other personal information you provide is strictly restricted and used only in accordance with specific internal procedures and safeguards governing access, in order to operate, develop or improve the Service. We may also use third party service providers to help us provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information we provide to them.
Changes to your registration information
If your Registration Information provided when you applied for a product on Sites changes, you may update it whenever you apply for a new product such as a loan via the Service. To review and update your personal information to ensure it is accurate while your application is in process, contact us at email@example.com . You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Session information is only used to improve your experience on the site
When you visit grampanchayathomeloan.com, we may collect technical and navigational information, such as operating system type, browser type, IP address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to potential software compatibility issues, or it may be analyzed to improve the Site.
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer's hard drive. grampanchayathomeloan.com may set and access cookies on your computer to track and store preferential information about you. For example, grampanchayathomeloan.com may assign a cookie to you, to enable you to adjust your loan search preferences without needing to re-enter your information. Please note that almost all Internet browsers will allow you to delete cookies stored on your computer and to stop cookies from being stored on your computer. If you choose to eliminate cookies, the full functionality of the Service will be impaired for you.
We encrypt our cookies so that only we can interpret them.
Web beacons are images embedded in a Web page or email for the purpose of measuring and analyzing site usage and activity. grampanchayathomeloan.com, or third party service providers acting on our behalf, may use Web beacons to help us study Site usage and improve the Service.
Behavioral Targeting / Re-Targeting
We use Google AdSense to publish ads on this site. When you view or click on an ad a cookie will be set to help better provide advertisements that may be of interest to you on this and other Web sites. You may opt-out of the use of this cookie by visiting Google's Advertising and Privacy page: http://www.google.com/privacy_ads.html
Third parties will not be given your personal information unless you ask us to do so
There are a number of products and services, such as loans, credit cards & insurance, offered by third parties on our Site, such as lenders, banks, credit card issuers, insurers and brokerage institutions (collectively, " grampanchayathomeloan.com Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. grampanchayathomeloan.com is not responsible for their privacy practices.
Testimonials, Blogs and other forums on grampanchayathomeloan.com
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at email@example.com
If you use a blog or other public forum on our Site, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums. These forums may be hosted by grampanchayathomeloan.com or by one of our third party service providers on grampanchayathomeloan.com’s behalf. To request removal of your personal information from our blog or community forum, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Additional Policy Information
Facebook, Twitter, & Other Social Networking Media You can link to our site using social networking services such as Facebook & Twitter. These services will authenticate your identity and provide you the option to share certain personal information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Like Button If you use the "Like" button to share something, that item will appear on your Facebook profile page and also on your friends' newsfeed, depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this site or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
Disclosure of your information to protect our rights or if required by law
Notwithstanding the foregoing, grampanchayathomeloan.com reserves the right (and you authorize grampanchayathomeloan.com) to share or disclose your personal information when grampanchayathomeloan.com determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
Email & SMS communications from us
We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting grampanchayathomeloan.com or third-party goods or services. grampanchayathomeloan.com subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.
We keep your data secure
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect grampanchayathomeloan.com accounts and systems from unauthorized access.
When you register for the Service, grampanchayathomeloan.com requires a password from you for your privacy and security. grampanchayathomeloan.com transmits information such as your Registration Information for grampanchayathomeloan.com or Account Credentials securely.
Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.
We enforce physical access controls to our buildings.
No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
However, it is important to understand that these precautions apply only to our Site and systems.
All private information is encrypted and communicated securely
All communications between your computer and grampanchayathomeloan.com that contain any personal information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
You are responsible for maintaining the confidentiality of your login id and password
If you have any security related concern, please contact us at email@example.com. We will work closely with you to ensure a rapid and personal response to your concerns.
Whenever there is a change to our Privacy and Security Policy we post updates on our website