Privacy policy

From the enquiry form on this website:

• your name and 10-digit mobile number;
• the loan amount range you choose and the area where the property is;
• your consent, the page you sent the form from, and the date and time.

When you call, WhatsApp or email us, or visit our office, we may also receive what you choose to share for your loan, for example: email address; income details such as salary slips, Form 16, income tax returns and bank statements; identity and address proof (PAN, Aadhaar, passport); existing loan details and credit score; property papers such as the sale deed, Khata or e‑Khata, e‑Swathu record, encumbrance certificate, plans and approvals; and details of co-applicants.

When you share a co-applicant's or family member's details, please make sure they know and agree.

Like most websites, our hosting provider automatically records basic technical data (such as IP address, browser type and the pages requested) in server logs, for security and to keep the site working. We do not use advertising cookies or third-party analytics on this website at the time of writing; if that changes, we will update this policy first.

We don't need your Aadhaar number to answer an enquiry. If a lender needs it for its KYC, mask the first eight digits on copies you send us unless the lender asks otherwise.

We use your personal data only for the purposes you consent to when you send the enquiry or share papers with us:

• to contact you about your enquiry by call, WhatsApp or email;
• to understand your loan need and check which banks, NBFCs and housing finance companies may consider it;
• to prepare your loan file and share it with the lenders you agree to;
• to follow up with lenders, their lawyers and valuers until your loan is decided or disbursed;
• to keep records of our work on your file;
• to protect the website from spam and misuse, and to meet our legal obligations.

We do not use your data for unrelated marketing, and we do not sell it. If we ever want to use it for a new purpose, we will ask you first.

Before you send the enquiry form, we ask you to tick a box agreeing that we may contact you about your enquiry and share your details with lenders for this loan. The box is never pre‑ticked, and the form can't be sent without your choice.

You can withdraw your consent at any time, as easily as you gave it: call or WhatsApp us, email us, or use our grievance contact. Once you withdraw, we stop processing your data for that purpose and ask any lender we shared it with to stop too, except where the law requires us or them to keep it. Withdrawal doesn't affect anything done lawfully before it.

If you withdraw consent while a loan application is in progress, we may not be able to continue helping with that application.

We share your personal data only as needed for your enquiry:

• Lenders: the banks, NBFCs and housing finance companies you agree to approach for this loan, and through them their legal, technical and verification agencies.
• Our service providers, who process data for us under our instructions: website hosting, email delivery and business phone or WhatsApp services. They may not use it for their own purposes.
• Authorities, where the law requires it, such as on a valid request from a court, regulator or law-enforcement agency.

We don't share your data with lenders you haven't agreed to, with other advisors, or with anyone for their marketing.

WhatsApp is a third-party service run by Meta. Messages you send us there are also subject to WhatsApp's own terms and privacy policy.

We keep personal data only for as long as the purpose needs it:

• If your enquiry doesn't lead to a loan application, we delete your details within 12 months of our last contact with you.
• If a loan is applied for or disbursed, we keep your file for as long as needed to complete our work and meet record-keeping requirements under law, and then delete it.
• Server logs are kept for a short period for security, unless the law requires longer.

You can ask us to delete your data sooner (see your rights below). Lenders keep data under their own rules and the law that applies to them.

We take reasonable security safeguards to prevent a personal data breach: the website uses encrypted connections (HTTPS), access to enquiry emails and files is limited to the people who work on them, and our service providers must protect the data they handle for us.

No system is perfectly secure. If a personal data breach happens, we will inform the Data Protection Board of India and the people affected, as the DPDP Act and its rules require.

Under the DPDP Act you have the right to:

• get a summary of the personal data we hold about you, what we do with it, and who we have shared it with;
• have inaccurate or incomplete data corrected, completed or updated;
• have your data erased when it is no longer needed for the purpose, or when you withdraw consent, unless the law requires us to keep it;
• withdraw your consent at any time;
• have a grievance about our handling of your data addressed by us;
• nominate another person to exercise these rights for you if you die or become unable to.

To use any of these rights, contact us as set out below. We may need to confirm your identity first, so we don't give your data to someone else.

You also have duties under the Act: please give us accurate information, don't impersonate anyone, and don't file a false or frivolous grievance.

Our services are for adults applying for home loans. We don't knowingly collect personal data from anyone under 18 without verifiable consent from a parent or lawful guardian. If you think a child has sent us their details, contact us and we will delete them.

Some of our service providers, such as email or hosting, may store data on servers outside India. Where that happens, it is only in countries to which the transfer of personal data is permitted under Indian law, and with providers bound to protect it.

For any question, request or complaint about your personal data, use our grievance contact, email loans@housingloaninbangalore.in, call or WhatsApp 99167 40560 (Mon–Sun 10 AM – 7 PM), or write to us at our office address above. Please tell us your name, your mobile number and what you need.

We will acknowledge your request and respond as soon as possible, and in any case within the time the DPDP Act and its rules allow.

If you are not satisfied with our response, you may complain to the Data Protection Board of India once the Board's complaint process is available to you under the Act.

We may update this policy when our services or the law change. The date at the top shows when it was last updated. If a change affects how we use data you have already given us, we will tell you and, where needed, ask for your consent again.

Read this policy together with our terms and conditions and our disclaimer.