*KSG Home Loans* (“the Company”, “we”, “us”, or “our”) is committed to protecting the privacy of its users and customers. This policy outlines how we collect, process, and protect your personal information.
A. Information We Collect
We collect personal and financial data necessary to process your home loan application, including but not limited to:
*Identity Data:* Full Name, Date of Birth, Gender, and Photograph.
*Contact Data:* Email address, mobile number, and residential/office address.
*KYC Documentation:* PAN Card, Aadhaar Card, Passport, or Voter ID.
*Financial Data:* Salary slips, Bank statements, Income Tax Returns (ITR), and credit history.
B. Purpose of Data Collection
The information collected is used for:
* Evaluating loan eligibility and creditworthiness.
* Verifying identity and preventing financial fraud.
* Communicating loan status, reminders, and promotional offers.
* Complying with statutory and regulatory requirements.
C. Data Security & Disclosure
* *Security:* We implement robust technical and organizational measures (encryption, firewalls) to safeguard your data.
* *Sharing:* We do not sell your data. We only share information with credit bureaus (like CIBIL), government authorities, or authorized service providers under strict confidentiality agreements.
2. TERMS AND CONDITIONS (LOAN APPROVAL)
By accessing this website or applying for a loan, you agree to the following terms:
A. Loan Application & Evaluation
* In-Principle Approval: Any online “instant approval” is indicative only and does not constitute a legal binding commitment. Final approval is subject to physical document verification and credit policy checks.
* Credit Assessment: You authorize KSG Home Loans to fetch your Credit Information Report (CIR) from CIBIL or other credit bureaus.
B. Fees and Charges
* Processing Fees: Application and processing fees are generally non-refundable, regardless of whether the loan is sanctioned or rejected.
* Third-Party Charges:Costs related to legal valuation, technical inspection, and stamp duty are to be borne by the applicant.
C. Property Verification
* Loan disbursement is subject to a clear “Legal Title” and “Technical Appraisal” of the property by the company’s empanelled experts.
D. Digital Consent (DND Override)
* By submitting your details, you authorize KSG Home Loans and its representatives to contact you via Call, SMS, Email, or WhatsApp for transactional and promotional purposes, overriding any DND (Do Not Disturb) registration.
3. DISCLAIMER* No Guarantee of Accuracy: While we strive to provide updated information, KSG Home Loans does not warrant the completeness or accuracy of the content on this website.
* Financial Estimates: EMI calculators and interest rate quotes are for representational purposes only. Actual rates and amounts will be mentioned in the Sanction Letter.
* Limitation of Liability: The company shall not be liable for any loss or damage arising from the use of the website or reliance on the information provided herein.
4. CONTACT INFORMATION
For any grievances, queries, or requests regarding your data, please contact our Compliance Officer:
* Company Name: KSG Home Loans
* Email: ksg.homeloans@gmail.com
* Phone: 9711060635
* Registered Address: PSQ 812A or PSQF814 Floor, Emaar Palm Square, Sector-66, Gurgaon, Haryana – 122002