Privacy Policy
Easyhomefinance built the Easy Home Finance app as a Finance app. This SERVICE is provided by Easy Home Finance Ltd and is intended for use as is.
This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.
Our App uses background Location permission for ensuring you are based in India and for the purpose of on-boarding/ know-your-customer (KYC) requirements
Our App uses Camera permission for taking pictures.
We require the access to your device's camera to take images for adding profile pictures, to add images to presentations, and to record videos to submit roleplay challenges
We need this access only while you use this app, on the click of camera option in Profile section and Product Presentations, and on the click of Start Recording button in Roleplay Challenges
The recorded Roleplay Challenge video is stored in our servers and shared for review with the reviewers
The pictures taken for Profile image are not shared by the app with any third party
The pictures added to Product Presentations can we shared by you along with the presentations
You can change this permission anytime from your mobile settings
Our App uses Contacts permission for getting contact information
Our App uses Phone state permission for getting phone state information
Our App uses Get Accounts permission for getting accounts from devices.
Our App uses Call logs permission for verification purposes.
Our App uses SMS read permission to access your SMS. we read your SMS to autofill and verify the OTP used to validate your mobile number when creating an account with EHFL - this provides you a seamless experience during that process. We also collect your SMS data to analyse the data around specific financial transactions for statistical analysis or for credit rating.
If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The Company's applications may require one-time access to your mobile phone resources such as camera, microphone, location, or any other facility necessary for the purpose of on-boarding/ know-your-customer (KYC) requirements. Such access shall only be obtained after seeking your consent. However, the Company shall ensure that the applications desist from accessing resources on your mobile phone such as, file, media, contact list, call logs, and telephony functions.
Our app does not access your device storage or media, however, the Company may ask you to select and upload specific images , Video, File or documents which will be specific to your KYC or underwriting data or related to addressing the complaints raised by you.
Gallery
We require access to Images, Video, File in your Gallery for adding Profile picture and to add images in Product Presentations
We need this access only while you use this app, on the click Gallery option in Profile Section and Product Presentations
Only the Images, Video, File selected by you will get added to the presentations which can be shared by you.
You can change this permission anytime from mobile settings.
The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Easy Home Finance unless otherwise defined in this Privacy Policy.
Information Collection and Use
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.
Any information shared by you is used by us and/or authorized service partners and agencies to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we may offer. By submitting your Personal Information to EHFL, you expressly acknowledge and consent to EHFL using such information, and to process such information in a manner deemed fit by EHFL. This may also involve conducting data analysis and research using such information.The app does use third party services that may collect information used to identify you.
Link to privacy policy of third party service providers used by the app
Log Data
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.
Cookies
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
Service Providers
We may employ third-party companies and individuals due to the following reasons:
- To facilitate our Service;
- To provide the Service on our behalf;
- To perform Service-related services; or
- To assist us in analyzing how our Service is used.
We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
Control over Your Information
We also provide you with the ability to control your Personal Data in accordance with European Union’s General Data Protection Regulation, which includes the right to access, modify, erase, restrict, transmit, or object to certain uses of your data.
You have the ability to update your profile and related Personal Data at any time. Also, you may review, update, correct, delete or object your Personal Data collected through the website/applications or service by e-mailing us at cgro@easyhomefinance.in
In your request, please make clear what Personal Data you would like to have changed, whether you would like to have your Personal Data that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Data that you have provided to us.
While the majority of questions and issues related to access or requests can be handled quickly, complex requests may take more research and time. In such cases, issues will be addressed, or you will be contacted regarding the nature of the problem and appropriate next steps, within 30 days.
Security and Confidentiality
EHFL makes sure at all times to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your personal data as the same is of vital importance to EHFL. We are strongly committed to protecting the personal and financial data that you submit to us.
Following are some of the initiatives by EHFL to security privacy of the User’s Information:
a) EHFL has reasonable management, technical and administrative measures in place to protect Information within EHFL.
b) EHFL adheres to multiple regulatory and statutory requirements like RBI’s Master Direction for NBFC, NPCI guidelines for Data localization, etc.
c) EHFL conducts periodic internal and external audits of its systems.
d) Updates on information security position is updated at regular intervals to Board members, senior management of EHFL via IT committee as well as Risk Management Committee.
e) In all contractual arrangements, we require EHFL employees, third party agencies/service providers to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information.
EHFL shall ensure to safeguard the security and confidentiality of any data you share with us. Any of your personally identifiable data obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your Personal Data, EHFL cannot warrant the security of any data you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk.
Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our Services.
Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children’s Privacy
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.
Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.
For any registration of complaints, Customers can visit the Branch Office(s) or contact us on 022 – 26609500 for registration of their grievances. Customers can also call our Call center at 1800223279 and WhatsApp no as 8928223279 for escalation of complaints. Email / Letter - Customers can also send their grievances through email at customercare@easyhomefinance.in or write to the Grievance Redressal Officer at Easy Home Finance Limited, 302, Savoy Chambers, Dattatray Road, Santacruz West, Mumbai – 54
If a customer does not receive a response in the specified period or such other extended timeline as intimated to the customer or if the customer is not satisfied with the resolution provided by the Company, the customer can escalate the issue to the Chief Grievance Redressal Officer of the Company as mentioned below: Chief Grievance Redressal Officer EASY HOME FINANCE LIMITED 302, Savoy Chambers, Dattatray Road, Santacruz West, Mumbai Telephone No: 022 – 26609500 Email – cgro@easyhomefinance.in The Chief Grievance Redressal Officer shall endeavor to resolve the complaint within reasonable time, not exceeding 21 working days from the date of receipt of escalated or unsatisfied/unresolved complaint, or such extended time as may be communicated to the customer.