Privacy Policy
How we handle your personal & loan data
Please read this policy before sharing personal, financial or property information through this website. By applying, you accept the practices described below.
Summary in Tamil: உங்கள் தனிப்பட்ட மற்றும் நிதி தகவல்கள் கடன் விண்ணப்ப செயலாக்கத்திற்காக மட்டுமே சேகரிக்கப்படுகின்றன. அவை உங்கள் விண்ணப்பத்தை செயல்படுத்தும் வங்கி / NBFC மற்றும் அதன் மதிப்பீட்டு, சட்ட நிறுவனங்களுக்கு மட்டுமே பகிரப்படும். உங்கள் தரவுகளை நாங்கள் விற்கவோ, அல்லது தொடர்பில்லாத தரப்பினருக்கு வழங்கவோ மாட்டோம். தரவு நீக்கக்கோரிக்கைக்கு எங்களை தொடர்பு கொள்ளலாம்.
1. What Information We Collect
- Identity details: full name, date of birth, gender, marital status, PAN, Aadhaar and other KYC documents you submit through our enquiry, eligibility or application forms.
- Contact details: mobile number, WhatsApp number, email address and residential / communication address.
- Financial and loan details: income, occupation, employer or business name, salary slips, bank statements, income tax returns, GST returns, CIBIL score information, existing loans and EMI obligations.
- Property details: property documents, title deeds, valuation-related papers and construction or purchase particulars, when applicable to your loan type.
- Technical data: IP address, browser type and pages visited, collected automatically for website security and improvement purposes.
2. Why We Collect It (Purpose of Use)
- To assess your loan eligibility, suggest suitable loan products, and estimate indicative EMI and loan amounts.
- To prepare, compile and submit your loan application, KYC and supporting documents to the partner bank, housing finance company or NBFC you choose.
- To verify your identity, coordinate with lender verification teams, valuers and legal panels, and follow up on your file until sanction or disbursement.
- To contact you by phone, SMS, WhatsApp or email regarding your enquiry, application status, reminders and related offers.
- To maintain internal records of applications, follow-ups and service history as required for consultancy operations and applicable law.
3. Sharing With Banks, NBFCs & Partners
- Your profile, KYC and loan documents are shared only with the lender(s) actually processing your application — the bank, HFC or NBFC — and their DSA / channel partners, strictly for the purpose of evaluating and sanctioning your loan.
- Where required by the lender, documents are also shared with their empanelled valuers, lawyers and verification agencies.
- We never sell, rent or trade your personal data to any unrelated third party for marketing or any other purpose.
- If you apply through an offer involving more than one lender, we share your data only with the lenders you have consented to approach.
4. Consent to Contact & Data Sharing
- By submitting an enquiry or application through this website, WhatsApp, phone or email, you expressly consent to being contacted on the mobile number and email ID you provide — including calls, SMS and WhatsApp messages — regarding your loan enquiry, even if you are registered on DND / NDNC.
- You also authorise us and the lenders we approach to obtain your credit information report (CIBIL / Experian) as part of the loan assessment, as permitted by the Credit Information Companies Rules.
- You may withdraw your consent for further communication at any time by informing us on WhatsApp or email; we will stop promotional contact, except for updates on an active application file.
5. How We Protect Your Data
- Documents uploaded through this website are stored on secured cloud infrastructure with encryption in transit and at rest, and are accessible only to authorised consultants handling your file.
- Access to your data within our office is limited to staff who need it for processing your application.
- Physical documents submitted at our office are stored securely and returned or destroyed as per your instruction and lender norms.
- We apply reasonable technical and organisational safeguards consistent with industry practice; however, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
6. Cookies & Local Storage
- This website uses essential cookies / browser storage to keep the site functioning and to remember your draft application form on your own device so you can resume it later.
- We may use basic analytics to understand which pages are useful to visitors; this data is aggregated and does not identify you personally.
- You can clear or block cookies and local storage through your browser settings at any time; the draft-save feature will simply stop working.
7. Data Retention
- We retain your application data and documents for as long as your loan file is active, and thereafter only as long as required under applicable record-keeping norms or for resolving disputes.
- Files that do not proceed are retained for a limited period for future reference and then either anonymised or deleted.
- Bank / NBFC records, once submitted to the lender, are governed by that lender's own retention policy, which is beyond our control.
8. Your Rights — Access, Correction & Deletion
- You may request a copy of the personal data we hold about you, ask us to correct inaccurate details, or request deletion of your data and documents once your file is closed.
- To exercise these rights, write to us at the email address or WhatsApp number given on this website, mentioning the mobile number used in your application.
- We will act on genuine requests within a reasonable period, subject to any legal or regulatory obligation to retain records.
- Note that we cannot delete records already submitted to and held by the lender; you may need to raise such requests with the bank / NBFC directly.
9. Not Applicable to Children
- Our loan consultancy services are intended only for individuals aged 18 years and above.
- We do not knowingly collect personal data from minors. If you believe a minor's data has been submitted, contact us and we will remove it.
10. Third-Party Links & Platforms
- Our website links to third-party platforms such as WhatsApp, Google Maps and Google Reviews. When you use them, those platforms' own privacy policies apply to the data you share there.
- We are not responsible for the privacy practices of external banks, NBFCs or platforms; we encourage you to read their policies before sharing information with them.
11. Updates to This Policy
- This privacy policy may be updated from time to time to reflect changes in our services or applicable law. The version published on this page on the date of your enquiry applies to your data.
- Continued use of this website after an update constitutes acceptance of the revised policy.
12. Governing Law & Contact
- This policy is governed by the laws of India, and any dispute relating to privacy is subject to the jurisdiction of the courts at Erode, Tamil Nadu.
- For any privacy question, request or grievance, contact us at hopeerode@gmail.com or +91 99442 53453. Office: No. 02, Brough Road, Near Radha NEI Store, Upstairs Bharath Studio, Erode - 638001.
Contact for Privacy Questions
Questions about this policy or your data? Call us at +91 99442 53453 or email hopeerode@gmail.com. Office: No. 02, Brough Road, Near Radha NEI Store, Upstairs Bharath Studio, Erode - 638001.
Also read our Terms & Conditions.
Ready to move ahead with your loan?
Talk to our consultant today — free eligibility check and honest guidance.