General

We at Home Equity India Private Limited with domain name WhatsLoan.com, value your need for online privacy and protect any Personal and Business information that you may share with us, in an appropriate manner. Our practice with respect to the use of your Personal Information is as set forth below in this Privacy Policy Document. As a condition to use of WhatsLoan Services, you consent to the terms of the Privacy Policy as it may be updated from time to time. This Privacy Policy Statement applies exclusively to www.whatsloan.com and our mobile products offered to you.

Information Record & Use:

Personal and Or Business Information

During the Registration Process for creating a user account, we request for your name, mobile number and email address. This information will be used solely for the purpose of providing access to your user account. This will also be used to inform you regarding new services, releases, upcoming events and changes in this Privacy Policy Statement. WhatsLoan will have access to the third party personal information provided by you as part of using WhatsLoan Services such as contacts in your WhatsLoan Mail account. This information may include third party names, email addresses, phone numbers and physical addresses and will be used for servicing your requirements as expressed by you to WhatsLoan and solely as part and parcel of your use of WhatsLoan Services. We do not share this third party personal information with anyone for promotional purposes, nor do we utilise it for any purposes not expressly consented to by you. When you elect to refer friends to the website, we request their email address and name to facilitate the request and deliver a one-time email. Your friend may contact us at contact@whatsloan.com to request that we remove this information from our database. We post user testimonials on our website. These testimonials may include names and other Personal Information and we acquire permission from our users prior to posting these on our website. WhatsLoan is not responsible for the Personal Information users elect to post within their testimonials.

Usage Details

Your usage details such as time, frequency, duration and pattern of use, features used and the amount of storage used will be recorded by us in order to enhance your experience of the WhatsLoan Services and to help us provide you with the best possible service.

Contents of your User Account

We store and maintain data in Amazon Web Services Cloud server. In order to prevent loss of data due to errors or system failures, we may retain and use your Personal Information and data as necessary to comply with our legal obligations, resolve disputes, and enforce our rights. We assure you that the contents of your user account will not be disclosed to anyone and will not be accessible even to employees of WhatsLoan except in circumstances specifically mentioned in this Privacy Policy Statement and Terms of Services. We also do not scan the contents of your user account for serving targeted advertisements.

Payment Information

In case of services requiring payment, we request credit card or other payment account information, which will be used solely for processing payments. Your financial information will not be stored by us except for the name and address of the card holder, the expiry date and the last four digits of the Credit Card number. Subject to your prior consent and where necessary for processing future payments, your financial information will be stored in encrypted form on secure servers of our reputed Payment Gateway Service Provider who is beholden to treating your Personal Information in accordance with this Privacy Policy Statement.

Visitor Details

We use the Internet Protocol address, browser type, browser language, referring URL, files accessed, errors generated, time zone, operating system and other visitor details collected in our log files to analyse the trends, administer the website, track visitor's movements and to improve our website. We link this automatically collected data to other information we collect about you.

Cookies

We make use of temporary and permanent cookies to enhance your experience of our WhatsLoan Services. Temporary cookies will be removed from your computer each time you close your browser. By selecting ‘keep me signed-in’ option in WhatsLoan Services, a permanent cookie will be stored on your computer and you will not be required to sign-in by providing complete login information each time you return to our website. If you have turned cookies off, you may not be able to use registered areas of the website. We tie cookie information to your email address when you elect to remain logged in so as to maintain and recall your preferences within the website. Technologies such as: cookies, beacons, tags and scripts are used by WhatsLoan and our partners [such as reseller partners], affiliates, or service providers [such as analytics service providers]. These technologies are used in analysing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.

Links from our website

Some pages of our website contain external links. You are advised to verify the privacy practices of such other websites. We are not responsible for the manner of use or misuse of information made available by you on such other websites. We encourage you not to provide Personal Information, without assuring yourselves of the Privacy Policy Statement of other websites.

Social Connects

You can log in to our site using authentication of your social connects. These services will authenticate your identity and provide you with the option to share certain Personal Information with us such as your name and email address to pre-populate our sign up form.

Information Sharing

We may need to share your Personal Information and your data to our affiliates, resellers, service providers and business partners solely for the purpose of providing WhatsLoan Services to you. The purposes for which we may disclose your Personal Information or data to our service providers may include but are not limited to, data storage, database management, web analytics and payment processing. These service providers are authorised to use your Personal Information or data only as necessary to provide these services to us. In such cases, WhatsLoan will also ensure that such affiliates, resellers, service providers and business partners comply with this Privacy Policy Statement and adopt appropriate confidentiality and security measures. We will obtain your prior specific consent before we share your Personal Information or data to any person outside WhatsLoan for any purpose that is not directly connected with providing WhatsLoan Services to you. We will share your Personal Information with third parties only in the ways that are described in this Privacy Policy Statement. We do not sell your Personal Information to third parties. We may share generic aggregated demographic information not linked to any Personal Information regarding visitors and users with our business partners and advertisers. Please be aware that laws in various jurisdictions in which we operate may obligate us to disclose user information and the contents of your user account to the local law enforcement authorities under a legal process or an enforceable government request. In addition, we may also disclose Personal Information and contents of your user account to law enforcement authorities if such disclosure is determined to be necessary by WhatsLoan in our sole and absolute discretion for protecting the safety of our users, employees, or the general public. If WhatsLoan is involved in a merger, acquisition, or sale of all or a portion of its business or assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.

Security of Information

We adopt industry appropriate data collection, storage and processing practices and security measures, as well as physical security measures to protect against unauthorised access, alteration, disclosure or destruction of your Personal Information, username, password, transaction information and data stored in your user account. Access to your name and email address is restricted to our employees who need to know such information in connection with providing WhatsLoan products to you and are bound by confidentiality obligations.

Update & Deleting Information

Users who wish to correct, update or remove any Personal or Business Information including those from a public forum, directory or testimonial on our site may do so either by accessing their user account or by contacting WhatsLoan Customer Support Services at contact@whatsloan.com. Such changes may take up to 48 hours to take effect. We respond to all enquiries within 30 days.

Access to Investigate

We may need to provide access to your Personal Information and the contents of your user account to our employees and service providers for the purpose of investigating any suspected illegal activity or potential violation of the terms and conditions for use of WhatsLoan Services. However, WhatsLoan will ensure that such access is in compliance with this Privacy Policy Statement and subject to appropriate confidentiality and security measures.

Privacy Policy Enforcement

We make every effort, including periodic reviews to ensure that Personal or Business Information provided by you is used in conformity with this Privacy Policy Statement. If you have any concerns regarding our adherence to this Privacy Policy Statement or the manner in which Personal or Business Information is used for the purpose of providing WhatsLoan Services, kindly contact WhatsLoan Customer Support Services at contact@whatsloan.com. We will contact you to address your concerns and we will also co-operate with regulatory authorities in this regard if needed.

Changes to Privacy Policy

We may modify the Privacy Policy Statement upon notice to you at any time through a service announcement or by sending an email to your primary email address. If we make significant changes in the Privacy Policy Statement that affect your rights, You will be provided with at least 30 days advance notice of the changes by email to your primary email address. You may terminate your use of WhatsLoan Services by providing WhatsLoan notice by email within 30 days of being notified of the availability of the modified Privacy Policy Statement if the Privacy Policy Statement is modified in a manner that substantially affects your rights in connection with the use of WhatsLoan Services. Your continued use of WhatsLoan Services after the effective date of any change to the Privacy Policy Statement will be deemed to be your agreement to the modified Privacy Policy Statement. You will not receive email notification of minor changes to the Privacy Policy Statement. If you are concerned about how your Personal Information is used, you should check back at this page periodically. WhatsLoan supports third-party widgets such as Facebook and Twitter buttons on the website that allows users to share articles and other information on different platforms. These widgets may collect your IP address, which pages you are visiting on our site and may set a cookie to enable the widgets to function properly. These widgets do not collect or store any Personal Information from users on the website and simply act as a bridge for your convenience in sharing information. Your interactions with these widgets are governed by the privacy policy of the company providing it. For any questions regarding our Privacy Policy please contact us at contact@whatsloan.com. We shall respond to all inquiries within 30 days of receipt upon ascertaining your identity.

Updated in October 2016