1. Scope of Privacy Statement
This Privacy Statement (“Privacy Statement”) describes how Homeville Consulting Private Limited. (also known as HomeCapital), and its affiliates and subsidiaries (collectively, “we,” “us,” “our,” “HomeCapital” or the “Company”) handle your personal information in connection with the following (collectively, the “Services”):
the Company’s websites (including https://homecapital.in and any other website where this Privacy Statement is posted),
HomeCapital tools, documents, emails, and applications (including mobile applications), and other services, including the services offered under HomeVille Consulting Private Limited.
By using the Services, you expressly consent to the collection, storage, use and disclosure of your personal information as described in this Privacy Statement.
2. Commitment to Privacy
The Company has a strong commitment to providing information tailored to your individual needs while providing excellent service to all of our visitors and customers, including respecting concerns about privacy. We understand that you may have questions about whether and how we collect and use information. This Privacy Statement details the steps we take to respect your privacy concerns. If, after reviewing this Privacy Statement, you have any questions or privacy concerns, please send an email to firstname.lastname@example.org or a letter to:
HomeCapital - Compliance Department , 16th Floor, Trade World-D Wing, Kamala Mills Compound, Senapati Bapat Road, Lower Parel, Mumbai- 400013.
3. Collection of Your Information
Personal Information. You may provide us with personal information in a variety of circumstances, e.g., by creating an account through the Services (“HomeCapital Account”), updating your HomeCapital Account profile, registering for or participating in a marketing or transaction event, submitting an employment application, completing online forms, or entering into a transaction with us. This information may include, without limitation, information such as your first and last name, e-mail address, mailing address, telephone number, username, password, billing information, financial information and other information exchanged in connection with real estate transactions and related financing transactions. In some cases, this information includes government-issued identification documents or related data (such as Aadhaar number). We also may acquire personal information from other sources such as offline records, publicly available information, or from third parties. We use personal information to provide the Services and as discussed in this Privacy Statement.
Automatically-Collected Information. We may automatically collect information about the computer or devices (including mobile devices) you use to access the Services, and your interactions with the Services. For example, we may collect and store information such as your browser type, IP address, language, operating system, location of your wireless device (e.g., latitude and longitude), the state or country from which you accessed the Services, unique device identifier (e.g., an IDFA on Apple devices like the iPhone or iPad, or the Android Ad ID), the pages you view, length of time spent on pages, communications with other users through the Services, the Services you use and the manner in which you use such Services (e.g., the content you access, view, click on, search for, post, favorite, vote, follow, share, upload, or tag), the date and time of your visit, the websites you visited immediately before and after visiting our Company websites, error logs, and other hardware and software information, as well as other geographic and demographic information. We may use third party analytics providers and technologies, including cookies and similar tools, to assist in collecting this information. We may use this information to formulate statistical models about use of the Services, enhance the Services for our users, and provide you with information about new opportunities, and tailored content, advertising, marketing and as otherwise discussed in this Privacy Statement.
HomeCapital Account. Certain information specified in the preceding paragraph (such as what content you access, view, click on or search for on the Services, the devices from which you access such content and the length of time for which you view same), may be associated with your HomeCapital Account. HomeCapital may use the account details from your HomeCapital Account across all the Services that HomeCapital offers. Accordingly, if you have created a HomeCapital Account for one Company website or aspect of the Services, you may be able to use the same username and password for accounts on other Company websites or with respect to other aspects of the Services, without creating accounts for each such Company website or aspect of the Services. Related information may be used as permitted by this Privacy Statement.
How to Disable the Collection of Location Information. If you are using an Apple device, click on “General,” then “Reset,” then “Reset Location and Privacy.” This will turn off location functionality for all of your apps so that the next time you download or use an app, you will be asked again to provide your consent for us and others to access your location information.
If you are using an Android device, visit the device settings, click “Location,” and then click the boxes for the particular applications for which you would like to disable location services.
The Services may also contain plugins for other websites, such as Facebook, Twitter, YouTube, LinkedIn and Google+. We recommend reviewing the privacy policies with respect to the social plugins for each of these websites, prior to clicking on such plugins.
4. Use of Your Information
We will use your information for the purpose for which you provided it or for which we collected it, and for other appropriate purposes. For example, we may use your information to:
Create and maintain your HomeCapital Account and account profile, registration information and communication preferences;
Enhance the user experience;
Perform research and analytics;
Customize, personalize and deliver the content and advertising that you see on the Services and elsewhere;
Respond to and fulfill your requests for Services (including qualification to make bids or offers) or other inquiries;
Determine your eligibility for certain marketing or transaction events, services, gifts, prizes, and special features of the Services;
Call, email or otherwise contact you:
to facilitate marketing or transaction events for which you are registered
regarding new opportunities relating to marketing or transaction events or our other Services;
to send you information about topics that may be of interest to you;
to communicate in relation to your HomeCapital Account;
to alert you to the latest developments and features of the Services; and
for other marketing, transactional, informational or research purposes.
Administer, register or enroll you in, or facilitate your participation in recreational, educational or entertainment activities; surveys or questionnaires; promotions or sweepstakes, or any other services, events or activities sponsored by us or third parties, or offered in connection with our Services;
Send you prizes and gifts;
Protect our rights and property and the rights and property of others; and
Comply with law.
5. Tailored Advertising
The Services may include third party tailored ad technology which enables customized and targeted ads to be displayed to you through the Services and on third party websites, apps and services. When you use the Services, we or third parties operating ad technology may use information that is collected through cookies, identifiers such as an IDFA on iOS devices or Android Advertising IDs, web beacons, pixels, or clear GIFs to ensure that appropriate ads are presented and to perform analytics concerning your use of the Services and other websites, apps and services tracked by these third parties. These technologies also may help control the number of times you see a given ad, deliver ads that relate to your interests, and measure the effectiveness of ad campaigns. To the extent any of this information is collected by third parties, you acknowledge and agree that such collection and use is governed by those third parties’ privacy policies and we are not responsible for the privacy practices of such third parties.
If you are using an iOS device and you do not want to receive tailored in-application ads that relate to your interests and are based on your mobile device’s identifier, you may opt-out by following the instructions at http://oo.apple.com. If you are using an Android device and you do not wish to receive tailored in-application ads that are based on your mobile device’s identifier, you can use the opt-out methods described by Google.
6. Do Not Track Signals
We do not respond to or alter our practices detailed herein based upon your selection of the “Do Not Track” setting or other “opt out” setting or feature that may be offered by your browser; however, we reserve the right to do so in the future.
7. Disclosure of Your Information
We may share your information in the following ways:
We may make information collected through the Services available to subsidiaries and affiliated companies that are under common ownership or control within the Company family.
If you download information on assets listed on our Services or make a bid or offer on a particular asset, the seller and its affiliates and representatives, and potentially other parties related to the transaction, are given access to your information.
We may share information about our visitors, customers, or former customers with the following types of companies that perform services on our behalf or with whom we have joint marketing agreements:
Non-financial companies such as envelope stuffers, fulfillment service providers, payment processors, data processors, customer/support services, etc.
Financial service providers such as companies engaged in banking, mortgage lending, consumer finance, securities, and insurance.
We may share or sell, as allowed by law, information about you with other companies who we believe may have products and services of interest to you. If you would like to exercise a legal right to opt-out of our sharing of your information with these other companies for their direct marketing purposes, please follow our Third Party Opt-Out Policy described in Section 8 below or contact us as described in Section 14.
We may share your information with any person or entity when we have your consent.
We may use and share non-personal information about you or use of the Services, including any de-identified and aggregated data with third parties without limitation.
8. Opting Out of Communications from Us
By creating a HomeCapital Account or registering for or participating in any marketing or transaction event on one of our Company websites, you agree to receive direct mail, email newsletters and other promotional email communications, as well as promotional telephone communications. For example, from time to time we may send you email notices or news updates alerting you to new features, products, promotions, or services pertaining to offerings from us, new opportunities, surveys or our other Services, and, if you have created a HomeCapital Account or registered for marketing or a transaction on one of our Company websites, we may send you direct mail or call you with respect to same.
When you provide your telephone number, you are subscribing to receive HomeCapital.in Offerings Update Alerts and/or HomeCapital.in Event Notifications by text message from us to the phone number you provide, and you are authorizing our use of your phone number (which you confirm that you own) to send you text messages with marketing messages, alerts and updates about properties you are interested in. You also consent to our use of an automatic telephone dialing system for telephone calls and texts (if you have opted-in to receive text message marketing).
Please note that preferences relating to communications that you receive due to each of the following differ from one another: (a) communications that you receive from us due to your activity on, and HomeCapital Account with, homecapital.in
With respect to HomeCapital Communications:
You may alter your preferences with respect to promotional HomeCapital Communications by contacting us at email@example.com
If you no longer wish to receive direct mail HomeCapital Communications, you may opt out by contacting us at firstname.lastname@example.org
If you no longer wish to receive promotional email HomeCapital Commercial Communications, you may opt out of receiving these communications by choosing the “Unsubscribe” option available as a link in every promotional email or by contacting us at email@example.com
If you no longer wish to receive promotional telephone HomeCapital Communications, you may opt out of receiving these communications by telling the representative who calls you with such HomeCapital Communications or by contacting us at firstname.lastname@example.org
We will gladly comply with all requests to opt out of or unsubscribe from promotional communications, but reserve the maximum amount of time allowed by law to process such requests. You cannot opt out of certain transactional emails or telephone calls.
9. Security and Account Protection
We have implemented commercially reasonable physical, administrative, technical, and electronic security measures to protect against the loss, misuse, and alteration of your personal information. Despite our efforts, however, no security measures are perfect or impenetrable, and we do not promise that your information will remain secure. We appreciate your help in safeguarding the integrity of your own and others’ privacy. We encourage you to let us know immediately if you suspect that any personal information you shared with us is being used contrary to this Privacy Statement.
10. Children’s Information
The Services are not directed toward persons under 18 years of age. We do not knowingly market to or collect any personal information from children under the age of 18. If you are under 18, you are not permitted to submit any personal information to us or the Services. If you provide information to us through the Services, you represent that you are 18 years of age or older. If a parent or guardian believes that we have in our database the personal information of a child under the age of 13, please contact us immediately at email@example.com to request that we remove such information from our records.
11. Accessing Personal Information, and Related Options
If personal information you provided changes or is inaccurate, you agree to update your information by updating the account information located in your HomeCapital Account profile. Individuals in some countries outside the United States have certain legal rights to access certain information we hold about them and to obtain its correction, amendment or deletion (in addition to the self-serve option described in the previous sentence), as well as to object to the processing of their personal information or withdraw previously provided consent to such processing. (Withdrawal of consent does not affect the lawfulness of data processing based on consent before its withdrawal, and in some cases we may continue to process personal data on legal grounds other than consent, such as compliance with law.) To exercise those rights, they may contact us as described below.
If you no longer wish to use the Services, contact us at firstname.lastname@example.org
12. Third Party Links and Services
The Services may contain links to third-party websites, including identity verification and social networking websites. Your use of these features may result in the collection or sharing of information about you, depending on the feature. Please be aware that we are not responsible for the content or privacy practices of other websites or services, including those to which we link. We do not endorse or make any representations about third-party websites or services. The personal information you choose to provide to or that is collected by these third parties is not covered by our Privacy Statement. We strongly encourage you to read such third parties’ privacy statements.
13. Amendments to Privacy Statement
We may amend this Privacy Statement at any time by posting the amended terms on the Services. Unless a different effective date is specified in the update, any changes to this Privacy Statement will become effective upon posting. Your continued use of the Services following the effective date means that you accept such revisions. If we make any material changes to this Privacy Statement, we will post the changes here and notify you in the manner and to the extent required by law.
14. Contacting Us
Should you have any questions about this Privacy Statement, contact us by sending an email to email@example.com Please provide your name, mailing address, telephone number and email address so we can service you more quickly. You can also call us at (022) 49448600 or write to us at HomeCapital - Compliance Department , 16th Floor, Trade World-D Wing, Kamala Mills Compound, Senapati Bapat Road, Lower Parel, Mumbai- 400013.
This Privacy Statement was last updated October 25, 2018.
We use bank-level security for your protection.
Your information is encrypted with an AES 256 bit symmetric key.
Your connection to HomeCapital is always encrypted over HTTPS with Transport Layer Security (TLS). HomeCapital applications and data are physically located in multiple secure data centers. We utilize Amazon Web Services for our hosting which is compliant with numerous security certifications.
HCPL and it's partners reserve the right to reject any application at any time in accordance to its policies. To qualify, a borrower must be a Indian citizen and meet our financial partners underwriting requirements. To check for an applicant’s eligibility, our lending partner will request your full credit report from one or more credit bureaus. Not all applicants receive the down payment assistance. To qualify for the program, you must have a responsible financial history and meet other conditions. Assistance limits displayed are indicative, actual limits will depend on number of factors. If approved, your program assistance tenure will depend on a variety of factors, including down payment assistance amount, repayment capacity, a responsible financial history, years of experience, income, home-loan to value ratio and other factors.
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