Privacy Policy – HDB OnTheGo Mobile App

HDB Financial Services Ltd. ("HDBFS," "we," "us," or "our") is committed to safeguarding the privacy and confidentiality of your personal and sensitive information. This Privacy Policy explains how we collect, process, store and protect the information you provide while using the HDB OnTheGo mobile application ("the App").

By downloading, installing, or using the App, you confirm that you have read, understood and agreed to the terms of this Privacy Policy, as well as the Terms and Conditions.

1. Information We Collect

We collect and process the following types of information:

1.1 Personal Information

• Name, contact details (mobile number, email, address), date of birth and gender.
• Identification details such as Aadhaar, PAN, etc as required for verification.

1.2 Financial Information

• Bank account details, payment history, loan details and repayment records.
• Financial details like income levels, credit scores and transaction patterns.

1.3 Device and Usage Data

• Device-specific details such as OS version, IP address, device model and usage patterns.
• Log data including feature interactions, performance metrics and diagnostic reports.
• Location data for location-based services (subject to user consent).

1.4 Cookies and Tracking Technologies

• Tracking information through cookies and analytics tools to improve user experience.

1.5 Communications Data

• Information shared during interactions with customer support via calls, emails or chat.

2. How We Collect Information

2.1 Direct Interactions

You provide data directly to us when you:

• Register for the App, create an account or update your profile.
• Submit KYC documents and upload financial information.
• Communicate with us for queries, feedback or technical support.

2.2 Automated Collection

We automatically collect certain data during your use of the App through:

• Cookies and Analytics Tools: To monitor usage trends and improve user experience.
• Log Files: Capturing session details such as errors, IP address and user activities.

2.3 Third Parties

We may collect information about you from trusted third parties, such as:

• Credit bureaus for loan approvals and financial risk assessments.
• Publicly available sources or government portals.
• Service providers facilitating services on our behalf.

3. Purpose of Information Collection

We collect and process your information for the following purposes:

3.1 Service Delivery

• To verify your identity and create user accounts.
• To provide access to app features, such as loan management, EMI calculators and service requests.

3.2 Compliance and Legal Obligations

• To meet regulatory requirements such as KYC and AML (Anti-Money Laundering).
• To comply with applicable laws, court orders and audit requirements.

3.3 Customer Support and Communication

• To respond to queries, feedback, and grievances.
• To send transactional messages, updates and promotional offers.

3.4 Marketing and Personalisation

• To send tailored recommendations and offers.
• To conduct surveys, contests or other promotional activities.

3.5 Business Insights and Analytics

• To improve the App and services through data analysis.
• To conduct research, troubleshoot issues and enhance App functionality.

4. Sharing of Information

We may share your information with the following entities:

4.1 Service Providers

• Third-party vendors for payment processing, analytics and operational support.
• IT service providers maintaining our systems and infrastructure.

4.2 Regulatory and Legal Authorities

• Government bodies, courts, or regulators, when required by law.

4.3 Business Partners

• Affiliates or group companies for business or operational purposes.

4.4 Third Parties in Business Transactions

• In case of mergers, acquisitions, or restructuring, we may share data. Note: All third parties are contractually obligated to maintain data confidentiality and security.

5. Children's Privacy

The App does not knowingly collect personal information from individuals under the age of 18. If we discover such data, it will be deleted promptly. Parents or guardians who believe their child has provided us with personal data can contact us for necessary action.

6. Data Retention

• We retain your information only as long as necessary for the purposes described above.
• Data may also be retained to comply with legal obligations or resolve disputes.
• Once retention is no longer required, your data will be securely deleted or anonymised.

7. Security

We implement technical and organisational measures to protect your data, including:

• Encryption: Securing sensitive information.
• Access Controls: Restricting access to authorised personnel.
• Monitoring: Regular audits to detect vulnerabilities.

Despite our efforts, no method of transmission or storage is 100% secure. You must safeguard your device and account credentials.

8. Cookies and Tracking

8.1 Use of Cookies

• We may use cookies to enhance user experience, personalise content and monitor App performance.

8.2 Managing Cookies

• You can disable cookies via your device/browser settings. However, doing so may limit certain features of the App.

9. Links to Other Sites

• The App may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or functionality of these external platforms. Users are advised to review the privacy policies of any linked websites.

10. Your Rights

As a user, you are entitled to the following rights:

• Access and Review: Request a copy of the personal data we hold about you.
• Correction: Update or rectify inaccurate data.
• Withdrawal of Consent: Opt-out of data processing (this may impact certain App functionalities).
• Grievances: File a complaint with relevant data protection authorities.

11. Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes in our practices or regulations. Significant changes will be communicated through the App. By continuing to use the App after updates, you agree to the revised policy.

12. Contact Us

For any questions, concerns, or assistance regarding our services, including account-related queries, feedback, or grievances, please visit our Contact Us page. This page provides detailed information on how to reach our support team, including FAQs, chat support and other helpful resources to address your concerns promptly. For data protection-related queries, you may contact our Data Protection Officer (DPO) at dpo@hdbfs.com.