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Information We Collect:
Personal information includes any information that can be used to identify, contact or locate you. This includes but is not limited to your name, home and business address, email addresses, contact details and payment details and that is not otherwise publicly available. The authenticity of the personal information is the sole responsibility of the User and that PHFL shall not be held accountable for the same. The data collected will not be sold or given to third parties for other non-permitted uses. PHFL may allow users who choose to provide personally identifiable information on their profile to edit limited portion of their profile to ensure that the personally identifiable information is correct and up‐to-date.
Personally Identifiable Information
While providing various services or features, PHFL may ask you to provide personal information. For example, you may be asked to provide your email address, name, telephone number, street address, email address, age, gender etc.
Non-Personally Identifiable Information
Non-personal information includes but not limited to your IP address, cookies, third party’s cookies and web pages that have been viewed by you on the Website. Non-personally identifiable information is information that, by itself, cannot be tracked to a specific individual. PHFL may collect non-personally identifiable information while you are visiting the Website. While providing Products, PHFL may collect web surfing data such as your IP address, web pages on the Website that have you visited, time and date, and whether or not you clicked on advertisements ("Web Surfing Data"). PHFL use different types of technologies to collect this information, including cookies and single-pixel GIFs.
If your browser is configured to accept the cookies, these cookies will be used to recognize your computer when you revisit the Website to provide you with a superior user experience to help you improve performance. However, if you wish, you can configure your browser to block cookies.
PHFL may ask for similar information at other times, including during promotions sponsored by PHFL’s Partners or advertisers.
Use of the Information We Collect:
Use of Personally Identifiable Information
PHFL does not intentionally provide personally identifiable information to third parties except under the following conditions: If you provide personally identifiable information as part of an inquiry about products or services provided by one of the advertisers or Partners or while participating in any promotional offers provided by PHFL from time to time, PHFL will provide that information to that advertiser or Partner or sponsor or co-sponsor of the promotional event so that they may attempt to provide you with information regarding the products or promotional offer about which you inquired.
PHFL may use the personally identifiable information provided by Users for credit reporting, compilation of a transaction, internal purposes, such as sales, human resources, marketing, and administration. Further personally identifiable information may be provided by PHFL to any statutory authorities or to any regulatory body in accordance with laws governing PHFL.
Use of Non-Personally Identifiable Information
PHFL may use non-personally identifiable information collected to improve the quality of PHFL's services including by diagnosing service or technology problems, by assessing and maintaining security, by showing your previous predictions to improve the quality of your experience, by presenting you with ads that PHFL think you would be interested in seeing, or by allowing you to remain logged into PHFL on your computer. PHFL may also use the information to count and recognize returning Users.
In general, PHFL gathers all your Information collectively. PHFL uses such Information in the aggregate, and it will not divulge the Information except as required by law. This exercise helps PHFL to determine how it can continually create a better overall experience for its Users. PHFL also shall share this Information with its Partners, but only in the aggregate, so that they too may understand how you, collectively, use the Website and Products.
PHFL will ensure by undertaking standard internal checks/measures that there is no unauthorized monitoring or collection of Information and there is secrecy and confidentiality of Information maintained as per industry standards and as per the applicable law.
You agree that PHFL shall use Information about you to improve its marketing and promotional efforts, to analyze the Website usage, improve its content, product offerings and customize the content, layout of the Website and Products. Additionally, you agree that PHFL may use and disclose all Information so submitted to its authorized employees and any such third parties engaged by the PHFL in the same manner in which PHFL is entitled to use and disclose the Information that you submit to PHFL.
You further agree that PHFL shall use Information about you and any other information it may obtain from your activities on the site to troubleshoot problems, enforce the PHFL’s Terms and Conditions and other related issues.
Additionally, you should be aware that when you voluntarily disclose personally identifiable information (such as the user's name, e-mail address or any other personal detail) on the Website, such information, along with any information disclosed by the User, can be collected and used by third parties and may result in unsolicited messages from other users or third parties. Such activities are beyond PHFL’s control, and it shall not be liable and/or responsible for any consequences arising therefrom.
PHFL cannot ensure or warrant the security of any Information you transmit to it and thus, you provide Information at your own risk. Once it receives your transmission, PHFL shall endeavour to make reasonable efforts to ensure security on its systems. PHFL uses standard security practices and procedures such as secure server software and firewalls to protect your Information from unauthorized access, disclosure, alteration or destruction.
PHFL has policies and procedures in place to protect information. All technical and operational security operations are governed and managed through policies. We adhere all industry good practices on Information and cyber security.
By implementing these Security Practices and Policies, PHFL is deemed to have complied with reasonable security practices and procedures. However, this is not a guarantee that such Information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. To the extent permissible by law, PHFL disclaims any liability related to a security breach or loss of your Information.
In no event, shall PHFL be liable for any special, direct, indirect or consequential damages, including, without limitation, lost profits, loss of business opportunity, loss of data in the event of misuse of the Information provided.
PHFL makes significant efforts to protect against the loss, misuse, and alteration of the collected information. These measures may include the use of secure server technology. The User must be aware that the internet is not completely secure. Therefore, PHFL cannot ensure the security of any Information transmitted to PHFL over the internet, and PHFL does not accept any liability for any unintentional disclosure of Information.
Products and Website are password‐protected. The Users must not share the passwords with anyone. You shall not undertake any act which amounts to breach of security, and you shall not try to access password-protected area of the Products and Website without proper authorization.
Notwithstanding anything contained herein, no obligations of confidentiality shall exist in respect of Information which:
PHFL may be required to disclose your Information without your prior consent pursuant to an order or inquiry issued by a court of competent jurisdiction or by a judicial or administrative agency or legislative body or as may be required under any provision of law, rule, regulation or guidelines in force.
PHFL also may release information to law enforcement to protect its rights, property, or other interests, including those of its customers or users or to prevent illegal activities or violations of PHFL's Terms and Conditions.
PHFL may share its data, including Information gathered by it, with other subsidiaries or affiliates who have access to your Information. PHFL will ensure that your Information will have the reasonable protection under their privacy policies.
In the event that PHFL, in whole or in part, establishes a partnership/collaboration with another company, or is acquired by or merged with another company, collected Information may be transferred to the partner/collaborator or the acquiring or merging company.
PHFL's services are combined with content from web publishers and advertisers. The Products and Website may contain links to other websites, including advertisers. In addition, user submissions may contain links to other websites. PHFL is not responsible for the privacy practices or the content of web publishers, advertisers, or other websites that may be linked to the Products and Website.
Updating Of Information:
If your Information changes, or if you no longer use the Website, you may correct, update, amend, delete, remove or deactivate your User account by contacting PHFL by email on firstname.lastname@example.org. PHFL shall not be responsible for the authenticity of the Information provided by you.
Suspension Of Membership:
Upon your written request, PHFL will suspend your membership and delete your Information from its active databases. Such Information will be deleted as soon as reasonably possible in accordance with its policies and applicable law. PHFL will however retain your Information (though not visible to others) to be used in certain circumstances, such as to resolve disputes, troubleshoot problems, enforce its Terms and Conditions and as required by applicable law. Further, such prior Information is never completely removed and/or deleted from the PHFL’s databases due to technical and legal constraints, including stored backup systems and archives. The User agrees that all Information may not be completely removed and/or deleted from PHFL’s databases in response to your requests in accordance to technical and legal constraints.
Changes and Contact:
If at any time you have grievances or discrepancies with regard to any breach of personal information or sensitive personal information, you may contact the Grievance Officer. The details are displayed below:
Mr. Naveen Manghani
Chief Compliance Officer
602, 6th Floor, Zero One IT Park, Survey No. 79/1, Ghorpadi, Mundhwa Road, Pune – 411036
Tel. No.: +91 020 67808091
E-mail id: email@example.com
1. On receipt of the Complaint, the Grievance Officer shall acknowledge the aggrieved party the receipt of the complaint within 36 hours.
2. Also, within 36 hours of receipt of the complaint, the Grievance Officer shall ensure that the data or information against which grievance is received is removed from the website or access to that data is denied.
3. Further, within One Month[30 Days] of receipt of the complaint, the Grievance Officer shall take an action on the same and resolve the matter.
PHFL does not offer services to, or target, persons considered minor under the Indian laws i.e., children below 18 years of age. In compliance with the Indian laws, the Information PHFL receives from people we believe to be minors will be purged from PHFL’s database. Further, PHFL reserves its rights to purge any content or information which it finds in violation of Section 67B of Information Technology Act, 2000, i.e., contents or information or any material which depicts children in sexually explicitly acts, and which amounts to the facilitation of child abuse. PHFL may unilaterally debar such User from availing its services.
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Formerly Known as Magma Housing Finance Limited
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