Effective date: 24 April 2026 | Last updated: 24 April 2026
Shreenathji Home Finance ("SHF", "we", "us", "our") respects your privacy. This
Privacy Policy explains what personal and financial information we collect when
you interact with us — through our website, phone calls, loan enquiries, in-person
meetings or any of our partner lenders — how we use it, how we safeguard it, and
the rights you have over that information.
1. Information We Collect
Depending on how you engage with us, we may collect the following categories of information:
a. Identity & contact information
- Full name, date of birth, gender, PAN, Aadhaar number
- Residential & office address, city, state, PIN code
- Mobile number, email address, WhatsApp number
b. Financial & employment information
- Employment status, employer details, designation
- Salary slips, Form 16, bank statements, income tax returns
- Existing loan obligations, credit history and CIBIL score
- Business registrations (GST, Udyam, Shop & Establishment), MOA/AOA, LLP agreement, partnership deed where applicable
c. Property information
- Property documents including title deed, sale agreement, NOC, approved plans
- Property valuation and legal opinion reports
d. Website-usage information
- Pages you visit, browser type, device type, IP address, referring URL
- Form submissions (contact form fields, EMI calculator inputs)
2. How We Use Your Information
- To process your loan enquiry and prepare comparison quotations across partner lenders
- To communicate with you about your application, documentation and disbursement
- To share your application with partner banks and NBFCs only with your consent
- To comply with KYC, RBI, Prevention of Money Laundering (PMLA) and other legal obligations
- To improve our services, train our advisors and refine our digital workflow
- To send service-related alerts, updates and occasional marketing (you may opt out at any time)
3. How We Share Your Information
We share your information only with:
- Partner banks and NBFCs you have authorised us to approach on your behalf
- Legal, technical and valuation agencies empanelled by these banks for processing your loan
- Credit information companies such as CIBIL, Experian, CRIF High Mark — as required to assess eligibility
- Regulators, law-enforcement and courts when legally compelled
- IT service providers who help us operate our systems under strict confidentiality agreements
We do not sell or rent your personal information to any third party for marketing purposes.
4. Data Security
We apply reasonable technical and organisational safeguards to protect your information — encrypted
transmission, access controls, activity logging and secure document handling. No system is perfectly
secure, but we treat every document you entrust to us with the same care we would expect for our own.
5. Retention
We retain your information for as long as required to serve you, plus additional periods mandated by
applicable laws (typically 7–10 years after loan closure for KYC, AML and income-tax purposes).
6. Your Rights
- Access: Request a copy of the personal information we hold about you.
- Correction: Ask us to correct inaccurate or incomplete information.
- Withdrawal of consent: Withdraw consent previously given (this may limit our ability to serve you).
- Grievance redressal: Raise concerns with our grievance officer at the contact below.
7. Cookies
Our website uses only essential cookies needed to make the site function. We do not use
third-party advertising cookies on the marketing website. Should this change, we will update
this policy and notify you through an on-site banner.
8. Changes to This Policy
We may update this policy from time to time. The "last updated" date above will always
reflect the most recent version. Material changes will be highlighted on our website.
9. Contact & Grievance Officer
Questions, requests, or complaints about this policy? Reach out to us:
