Effective Date: May 6, 2024
Joy Loan HNI Property Loans (“Joy Loan”, “we”, “us”, or “our”) respects the privacy of our users (“you” or “your”). This Privacy Policy describes the types of information we collect from and about you when you visit our website at joyloan.in (“Website”) and how we use, disclose, and protect that information.
Information We Collect
We collect several types of information from and about users of our Website, including:
- Personal Information: This includes information that can be used to identify you directly, such as your name, email address, phone number, residential address, and date of birth. We collect this information when you submit a loan application, contact us through the Website, or subscribe to our newsletter.
- Non-Personal Information: This includes information that does not identify you directly, such as your IP address, browser type, operating system, referring URL, and browsing activity on our Website. We collect this information automatically when you visit our Website.
How We Use Your Information
We use the information we collect for the following purposes:
- To facilitate your loan application and provide you with the services you request.
- To respond to your inquiries and requests.
- To send you information about our products and services, including promotional offers.
- To personalize your experience on our Website.
- To improve our Website and services.
- To comply with legal and regulatory requirements.
How We Share Your Information
We may share your information with the following third parties:
- Lending Institution: We share your information with lending institutions when you apply for a loan. Pre-application discussions with banker typicaly involve sharing borrower details without identifiers. Employees of lending institution e.g. banks, NBFCs and Infra finance comapnies are bound by strict data privacy rules.
- Service Providers: We may share your information with third-party service providers who help us operate our business and provide our services, such digital marketing agencies. These service providers are contractually obligated to keep your information confidential and secure.
- Government Authorities: We may share your information with government authorities if required by law or to comply with a legal process, such as a subpoena or court order.
We will not sell or rent your personal information to third parties without your consent.
Data Retention
We will retain your information for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, and resolve any disputes.
Your Rights
Under the General Data Protection Regulation (GDPR), you have certain rights regarding your personal information. These rights include:
- The right to access your personal information.
- The right to rectify inaccurate personal information.
- The right to erasure of your personal information.
- The right to restrict the processing of your personal information.
- The right to object to the processing of your personal information.
- The right to data portability.
If you wish to exercise any of these rights, please contact us at [email protected].
Security Measures
We take reasonable precautions to protect your information from unauthorized access, disclosure, alteration, or destruction. We use a variety of security measures, including encryption in transit and at rest, access controls, and firewalls. However, no security measures are perfect, and we cannot guarantee the complete security of your information.
Children’s Privacy
Our Website is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our Website.
Contact Us
If you have any questions about this Privacy Policy, please contact us at [email protected]