Privacy Policy

01 Introduction

Allen's Housing and Finance Limited ("Company") is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. We are committed to protecting the privacy and confidentiality of the personal information entrusted to us by our customers, borrowers, guarantors, business partners, employees, and website users.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you use our products and services or visit our website.

02 Information We Collect

We may collect the following information:

• Name, photograph, date of birth, gender
• Mobile number, email address, residential and office address
• PAN, Aadhaar (where legally permitted), Passport, Driving Licence, Voter ID
• Bank account details
• Income details and employment information
• Credit history and credit bureau reports
• KYC documents
• Loan application details
• Device information, IP address, browser details, cookies, and website usage information
• Location information (where consent is provided)

03 Purpose of Collection

Your information may be used to:

• Process loan applications
• Conduct KYC verification
• Assess creditworthiness
• Verify identity
• Prevent fraud and financial crimes
• Disburse and service loans
• Recover outstanding dues
• Comply with RBI directions and applicable laws
• Improve customer service
• Respond to customer queries
• Send important service communications

04 Legal Basis

We process personal information:

• With your consent where required;
• To perform contractual obligations;
• To comply with legal and regulatory requirements; and
• For legitimate business purposes permitted under applicable law.

05 Sharing of Information

We may disclose your information to:

• Credit Information Companies (CIBIL, Experian, Equifax, CRIF High Mark)
• Banks and payment service providers
• KYC verification agencies
• Technology service providers
• Collection and recovery agencies
• Auditors
• Regulators, government authorities, and law enforcement agencies
• Service providers assisting in loan processing

06 Cookies and Website Data

Our website may use cookies and similar technologies to:

• Improve website functionality
• Understand visitor preferences
• Enhance user experience
• Maintain website security

Users may manage cookie preferences through their browser settings.

07 Data Security

We maintain appropriate administrative, technical, and physical safeguards to protect personal information, including:

• Encryption of sensitive information
• Secure servers
• Restricted access
• Regular security reviews
• Employee confidentiality obligations

08 Data Retention

Personal information is retained only for as long as necessary:

• To provide our services;
• To comply with applicable laws and RBI requirements;
• To resolve disputes; and
• To enforce contractual obligations.

09 Your Rights

Subject to applicable law, you may request:

• Access to your personal information
• Correction of inaccurate information
• Withdrawal of consent where applicable
• Deletion of personal data where legally permissible
• Grievance redressal regarding personal data processing

10 Third-Party Websites

Our website may contain links to external websites. We are not responsible for the privacy practices or content of those websites.

11 Policy Updates

We may revise this Privacy Policy from time to time. The updated version will be published on our website with the revised effective date.

12 Grievance Officer

For any privacy-related concerns, please contact: