Privacy Policy

1. Introduction

HomeLoanPune.in is a consumer brand operated by Moneasy Financial Services. We provide home loan consultancy services to residents of Pune, PCMC, and surrounding areas of Maharashtra. As a Direct Selling Agent (DSA) / channel partner of empanelled banks and NBFCs, we collect and process certain personal information to deliver these services.

By accessing the Site, submitting a form, calling, messaging, or otherwise sharing your information with us, you consent to the practices described in this Privacy Policy. If you do not agree to this policy, please do not use the Site or our services.

2. Who We Are (Data Fiduciary)

For the purposes of the DPDP Act, we are the Data Fiduciary for personal data collected through the Site:

3. Information We Collect

3.1 Information You Provide Directly

When you submit a contact form, request a callback, apply for a loan through us, or otherwise interact with us, you may provide:

• Name, mobile number, email address
• Property details (location, type, expected price)
• Loan amount required and preferred tenure
• Income details (range or specific amount), employment status and type
• Existing EMI / debt obligations
• CIBIL or other credit-bureau scores (if voluntarily provided)
• KYC documents — PAN, Aadhaar, passport, address proof — collected only at the loan application stage with your explicit consent
• Income documents — salary slips, Form 16, ITRs, bank statements, audited financials — collected only at the loan application stage
• Any other information you choose to share via chat, email, WhatsApp, or telephone

3.2 Information We Collect Automatically

When you visit the Site, we and our service providers may automatically collect:

• IP address and approximate geographic location
• Device information — type, operating system, browser
• Pages visited, time spent, click paths, referring website / search keyword
• Cookies and similar tracking identifiers (see Section 8)

3.3 Information from Third Parties

During loan processing, we may receive information about you from:

• Empanelled banks and NBFCs (e.g., loan approval status, sanctioned terms)
• Credit information bureaus (with your explicit consent)
• Property valuation and legal verification agencies engaged by the lender

4. How We Use Your Information

We process your personal data for the following purposes:

• Responding to your queries and callback requests
• Assessing your home loan eligibility
• Comparing and recommending suitable lenders for your profile
• Submitting your application to the lender(s) you select
• Coordinating documentation, valuation, legal verification, and disbursement
• Communicating about your application status and post-loan support
• Sending relevant updates about loan products, rate changes, and offers (with your consent; you may opt out at any time)
• Improving our Site, services, and customer experience
• Complying with legal, tax, regulatory, anti-money-laundering, and KYC obligations
• Preventing fraud, abuse, and security breaches

5. Legal Basis for Processing

Under the DPDP Act, we process your personal data on the following lawful bases:

• Consent — our primary basis. By submitting a form or contacting us, you provide informed consent for the use described in this policy.
• Performance of services — to deliver the consultancy services you have requested.
• Legal obligation — for compliance with RBI guidelines, tax laws, anti-money-laundering rules, and other applicable regulations.
• Legitimate use — for our legitimate business interests such as fraud prevention, security, internal analytics, and service improvement (where these do not override your rights).

6. Sharing of Information

6.1 With Empanelled Lenders (Banks & NBFCs)

As a DSA / channel partner, we share your information with the bank or NBFC of your choice for the purpose of loan processing. By submitting a loan application through us, you authorize us to share with the selected lender:

• Your contact details
• Income and employment details
• Property details
• KYC and supporting documents required for assessment
• Credit bureau reports (subject to your separate consent)

You retain the right to choose which lender we approach.

6.2 With Service Providers

We may share information with trusted third-party service providers who help us operate, including:

• Hosting and IT infrastructure providers
• Email, SMS, and WhatsApp communication platforms
• Analytics and advertising platforms (Google, Microsoft, Meta)
• Customer relationship management (CRM) tools

These providers are bound by confidentiality and data protection obligations and may use your data only for the specific purposes we instruct.

6.3 Legal and Regulatory Disclosures

We may disclose your information when required by:

• Indian law, court order, subpoena, or government authority
• Regulatory bodies — RBI, SEBI, CERT-In, Income Tax Department, MahaRERA, others
• Anti-money-laundering, KYC, and counter-terrorism financing requirements
• Protection of our legal rights, prevention of fraud, or in matters of safety

6.4 Business Transfers

In the event of a merger, acquisition, restructuring, or sale of business assets, your information may be transferred to the new owner — subject to confidentiality obligations and continued protection under this policy.

6.5 We Do Not Sell Your Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

7. Data Retention

We retain personal data only for as long as necessary for the purposes stated in this policy or as required by law:

• Active loan applications: until disbursement, plus a minimum of 7 years thereafter (in line with RBI record-retention guidelines)
• Inactive enquiries (no application initiated): up to 24 months from your last interaction
• Marketing communications: until you opt out or withdraw consent
• Aggregated, anonymized analytics: retained per Google Analytics and Microsoft Clarity standard retention periods

Where you request deletion and we are legally permitted to comply, we will erase or anonymize your data within 30 working days.

8. Cookies & Tracking Technologies

We and our service providers use cookies and similar technologies to operate the Site, remember your preferences, and analyze how you interact with our content. The categories include:

• Strictly necessary cookies — required for core Site functionality (cannot be disabled).
• Analytics cookies — Google Analytics 4 and Microsoft Clarity. These help us understand which pages are useful and how visitors move through the Site.
• Advertising cookies — Google Ads and Meta Pixel. These help us measure and improve our marketing campaigns.

You can manage cookies through your browser settings or our cookie consent banner. Disabling certain cookies may limit some Site features.

9. Your Rights Under the DPDP Act

As a Data Principal under the DPDP Act, 2023, you have the following rights with respect to your personal data:

• Right to Information — to know what personal data we hold about you and how we use it
• Right to Correction — to request correction of inaccurate, incomplete, or out-of-date data
• Right to Erasure — to request deletion of your data, subject to our legal retention obligations
• Right to Withdraw Consent — at any time, for any processing based on your consent (this does not affect lawfulness of processing carried out before withdrawal)
• Right to Grievance Redressal — to file a complaint with our Grievance Officer about how we handle your data
• Right to Nominate — to nominate another individual to exercise these rights in the event of your death or incapacity

To exercise any of these rights, contact our Grievance Officer (Section 13). We will respond within the timelines prescribed by law.

10. Data Security

We implement reasonable technical and organizational measures to protect your personal data:

• Encrypted transmission of data via HTTPS / TLS / SSL
• Restricted access on a need-to-know basis, governed by role-based access controls
• Secure cloud infrastructure with industry-standard safeguards
• Confidentiality agreements with all employees, contractors, and partners
• Regular reviews of our security practices

While we follow industry-standard practices, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security and disclaim liability accordingly.

11. Children's Data

Our Site and services are not directed at individuals below 18 years of age. We do not knowingly collect personal data from children. If you believe we have inadvertently collected such data, please contact our Grievance Officer immediately and we will delete it promptly.

12. Third-Party Links

The Site may contain links to third-party websites — banks, NBFCs, builders, government portals, news sources, and others. Once you click out, this Privacy Policy no longer applies. We are not responsible for the privacy practices of those third parties. Please review their respective privacy policies before sharing any data.

13. Grievance Officer

In compliance with the DPDP Act and the Information Technology Act 2000, our designated Grievance Officer for data protection matters is:

We will acknowledge complaints within 7 working days and resolve them within 30 working days in compliance with applicable Indian regulations.

14. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, technologies, or applicable law. The "Last Updated" date at the top reflects the most recent revision. For material changes, we will provide reasonable notice through a prominent notice on the Site or by email. Continued use of the Site after such updates constitutes acceptance of the revised policy.

15. Governing Law & Jurisdiction

This Privacy Policy is governed by the laws of India. Any disputes arising from or relating to this policy shall be subject to the exclusive jurisdiction of the competent courts in Pune, Maharashtra.

16. Contact Us

For any questions, concerns, or requests related to this Privacy Policy or your personal data, please contact us:

By using HomeLoanPune.in, you acknowledge that you have read and understood this Privacy Policy.