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“I and my family were planning on buying a new home for which we needed a loan and I chose Piramal Capital & Housing Finance. From collecting documents to guiding me at every step, Piramal has been a strong support system through the process. „
Piramal Capital & Housing Finance (PCHF) tries to ensure that all information and materials, whether in relation to the products, services, facilities, offerings or otherwise (hereinafter referred to as "Information") provided as part of this website www.pchf.in is correct at the time of inclusion on the web site, it does not guarantee the accuracy of the Information. PCHF makes no representations or warranties as to the completeness or adequacy or accuracy of information and expressly disclaims liability for any errors or omissions or delays in updating this information. The information available on the website is subject to change, updation, revision, verification and amendment without notice and such information may change materially.
Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. No information at this web site shall constitute an invitation to invest in any financial product. Any use of this website or the Information is at your own risk.
PCHF along with its directors, employees, associates or other representatives and its Affiliates along with its directors, employees, associates or other representatives shall not be liable for damages or injury arising out of or in connection with the use of the Website
The information available on the Website do not constitute an offer , invitation, advertisement, promotion, or a solicitation of any product or services of PCHF and is not intended to create any rights or obligations.
The data and information provided on the website is not advice, professional or otherwise, and should not be relied upon as such. There may be news/articles related to the products -the content of the articles and the interpretation of data are solely the personal views of the contributors and do not in any way reflect the views of PCHF . Users are advised to use the articles and other data in the Website only as information and independently assess and take their own independent decisions without being influenced by the views and opinions of the authors.
Sanctioning of all the loans will be at the sole discretion of PCHF.
All visitors (“visitor”, “you”, “your”) who shall visit the site www.pchf.in (“Website”) shall be covered under this Privacy Policy.
Piramal Capital & Housing Finance Limited (“PCHF”, “Us”, “We”, “Our”) acknowledges the importance of protecting your personal, financial and transaction information (“Information”). PCHF assures that the information made available to us shall be kept in strict confidentiality and we shall use such information only to service your account better, to provide products and services that you may have requested and to inform you about other products and services that may be of interest to you. We do not sell your personal information to any third parties. PCHF shall use its best efforts to prevent inadvertent disclosure of your information and personal details to unauthorized personnel or to any other third party. PCHF shall use the same degree of care to protect such information and personal details as PCHF would employ with respect to its own confidential information.
PCHF shall use your personal information to improve its services towards you and to keep you updated about its new products or information that may be of interest to you including having our representative/s to get in touch with you. The information collected from you would be used in the right spirit and context in which it is intended to be used.
In case, you don’t wish to be disturbed via any tele-calling marketing activities, you may register this request by registering the numbers under the “Do not Disturb Registration” on the Home page.
Please note that your action of having visited the Website authorizes PCHF to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and You shall not hold PCHF liable for use or disclosure of the said information.
PCHF shall collect and use the information provided by you only on a need-to- know basis to deliver better service to you. PCHF may use and share the information provided by you with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting the you regarding any problem with, or the expiration of, such services. In this regard, it may be necessary for PCHF to disclose your information to one or more agents and contractors of PCHF and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from PCHF only for these purposes.
Under certain circumstances PCHF may be required to share the information with the third parties, where PCHF may be of the opinion that the third parties can contribute to add value and improve the quality of services provided by PCHF to its Customers. PCHF shall take all reasonable steps to ensure that the confidentiality of your information is maintained by imposing strict confidentiality requirements on all the third parties with whom we may part with the information.
PCHF may also have to share your personal information wherever it is required to be disclosed under law to any of the Governmental/Statutory Agency or Regulatory bodies.
PCHF shall use the Information to improve your experience on the site and make subsequent offers to you on products which may be of interest to you.
Some of our web pages including our third party service providers store and use "cookies" so that we can serve User better, with customized information when User returns to our site. Cookies are identifiers which a web site can send to User’s browser to keep on User’s computer to facilitate User’s next visit to our site. User can set User’s browser to notify User when User is sent a cookie, giving User the option to decide whether or not to accept it. The information we collect and analyze is used to improve our service to the User. User agrees that we or our third party service providers collect User’s IP address or other unique identifier. At times, we also use these identifiers to collect information regarding the frequency with which our guests/Users visit various parts of our sites. We, either through ourselves or our affiliates or group companies may combine User’s IP address with other personally identifiable information for marketing and for market research purposes, including internal demographic studies, so that we can optimize our products and services and customize this Website for the Users and /or other such purposes as PCHF may require.
We may combine User’s visitor session information or other information collected through cookies, web beacons and other technical methods with personally identifiable information in order to understand and improve User’s online experiences and to determine what products, promotions and services User prefers or are likely to be of interest to User.
Cookies, web beacons and other technical methods may involve the transmission of information either directly to us or to another party authorized by us to collect and use information on our behalf. The information from use of these technical methods may be collected in a form that identifies User personally. User may get cookies from our advertisers. We do not control these cookies, and once User has clicked on the advertisement and left our Website, our Privacy Policy no longer applies.
At PCHF, we value your relationship and will at all times strive to ensure your privacy.
We will use the information stored in the cookies to improve visitor experience through throwing up relevant content where possible. We will also use the cookies to store visitor preferences to ease visitor navigation on the website.
We may change this Privacy Policy from time to time without requiring any consent from anyone and we will post the latest version on this Website.
The User’s access to the website implies irrevocably acceptance of all the terms and conditions of Disclaimer, Privacy Policy and Website User Agreement specified at www.pchf.in.
This Website User Agreement along with the Disclaimer and Privacy Policy (collectively hereinafter referred to as the “Agreement”) lays out the terms and conditions, as maybe amended and supplemented, from time to time (“Terms”) which shall be applicable to the access and use of the Website of Piramal Housing Finance Limited (hereinafter referred to as “PCHF”) i.e. https://www.pchf.in and various other URLs channelized through https://www.pchf.in (“Website”) by you, the visitor/ user (“User”) of the Website.
This Agreement constitutes a binding and valid contract between User and PCHF, with regard to the access and use of the Website. Access of the Website by the User constitutes an acknowledgement and acceptance in full and without any modification and/or exception by the User of this Agreement. The User must not access the Website in case the User does not agree with any part of such terms, conditions and notices as stated in this Agreement in any manner.
PCHF reserves the right to change the terms, conditions and notices pursuant to which the Website is accessed by the User or any services (hereinafter referred to as “Services”) that are offered through the Website, without any notice or intimation of such change.
The User shall be responsible for regularly reviewing the terms and conditions of this Agreement. Changes to this Agreement will be effective when posted and the User agrees to review this Agreement periodically to become aware of any changes.
That PCHF may, at its sole discretion, amend any of the use or Services being provided by it vide the Website and/ or this Agreement either wholly or partially, at any time and without the requirement of any prior notice or consent. PCHF reserves the right, in its sole discretion, to terminate the access to the Website and/or any of the Services or any portion thereof at any time, without any prior notice.
The User’s use of certain Services, features, functionality or programs (including, without limitation, contests, sweepstakes, promotions, wireless marketing opportunities, RSS feeds, etc.) offered on or through the Website may be subject to additional terms and conditions (hereinafter referred to as "Rules"), and before the User uses any such Services, features, functionality or other programs he would be deemed to have accepted such additional Rules upon the use of such Services or the Website in any manner.
The User expressly agrees that he will be deemed to have consented to the disclosure of any data, information of the User to, and same is used by PCHF, a subsequent owner or operator of the Website, of any information about the User contained in the applicable PCHF database, to the extent PCHF assigns its rights and obligations regarding such information in connection with a merger, acquisition, or sale of all or substantially all of PCHF's assets, or in connection with a merger, acquisition or sale of all or substantially all of the assets related to this particular Website to a subsequent owner or operator. In the event of such a merger, acquisition, or sale, the User’s continued use of the Website signifies the User’s agreement to be bound by the terms of use, Website User Agreement, Privacy Policy and Disclaimer or otherwise of the Website's subsequent owner or operator.
The User agrees that given the nature of the Internet, even though the Website is targeted to Indian Residents, Non Resident Indian (NRI), and Person of Indian Origin (PIO) only, it may be accessed in other parts of the world. The material/information on the Website is not intended for use by persons located in, or residents in countries that restrict the distribution of such material/information or by any person in any jurisdiction where distribution or use of such material/information or usage or access of Website will be contrary to law or any regulation. It shall be the responsibility of every User to be aware of and fully observe the applicable laws and regulations of the jurisdiction which User is subject of. If the User is not an Indian resident, NRI or PIO and yet uses the Website, he acknowledges, understands and agrees that he is doing so on his own initiative and at his own risk and PCHF shall not be liable for violation/breach of any of the laws applicable to usage of the Website. The Website is not to be and should not be construed as purporting to offer or inviting to offer any information or services to residents of countries where PCHF is not licensed or authorized to perform its business activities. If the User is not an Indian resident, by using this Website and/or submitting his personally identifiable information or any other information on the Website, he expressly consents to the transfer of such data to India, and to the processing of such data on PCHF’S Indian servers, where his data will be governed by Indian laws that may provide a level of data protection different than his country.
The User agrees and undertakes not to sell, trade or resell or exploit for any commercial purposes, any portion of the Services. For the removal of doubt, it is clarified that the Services, including the use of the Website, is not for commercial use but is specifically meant for personal use only of the User.
The User further agrees and undertakes not to reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, services or intellectual property obtained from the Website in any manner whatsoever. Limited reproduction and copying of some of the content of the Website is permitted for the User unless otherwise prohibited by PCHF. For the content which is prohibited by PCHF the prior written consent of PCHF is required to be obtained by the User. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of the Website is strictly not permitted.
The Website may contain links to other Websites or may contain features of any nature of other Websites on the Website ("Linked Sites"). The Linked Sites are not under the control of PCHF and PCHF is not responsible for the contents of any Linked Site, including without limitation any link or advertisement contained in a Linked Site, or any changes or updates to a Linked Site. PCHF is not responsible for any form of transmission, whatsoever, received by the User from any Linked Site. PCHF is providing these links to the User only as a convenience, and the inclusion of any link does not imply endorsement of any nature by PCHF or the Website of the Linked Sites or any association with its operators or owners including the legal heirs or assigns thereof.
DISCLAIMER OF WARRANTIES
PCHF has endeavored to ensure that all the information provided by it on this Website is correct, but PCHF neither warrants nor makes any representations regarding the quality, accuracy or completeness of any data or information displayed on this Website and PCHF shall not be in any manner liable for inaccuracy/error if any. PCHF makes no warranty, express or implied, concerning the Website and/or its contents and disclaims all warranties of fitness for a particular purpose and warranties of merchantability in respect of information displayed and communicated through or on the Website, including any liability, responsibility or any other claim, whatsoever, in respect of any loss, whether direct or consequential, to any User or any other person, arising out of or from the use of any such information as is displayed or communicated through or on the Website or the provision of the Services.
Although PHCF makes commercial efforts, reasonable or otherwise to ensure that the description and content of the information displayed or communicated to the User on each page of the Website is correct, it does not, however, take responsibility for changes that may have occurred due to human or data entry errors or for any loss or damages suffered by any User due to any such changed information.
Also, as PCHF is only the information provider, and it cannot therefore control or prevent changes in the published descriptions or oral representations, which are always based upon information provided by third parties and shall not be liable in any manner for any content that such third party would provide. All Users are cautioned to conduct their own due diligence and seek separate and specific legal and other advice prior to make any decisions or investments based on the information provided on the Website.
PCHF does not endorse any advertiser on its Website in any manner. The Users are requested to verify the accuracy of all information on their own before undertaking any reliance on such information.
In no event shall PCHF be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages resulting from: (a) the use or the inability to use the Services; (b) the cost of procurement of services substitute to the Services; (c) unauthorized access to or alteration of the User's transmissions or data; (d) any other matter relating to the Services; including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with availing of the Services through the Website.
Neither shall PCHF be responsible for the delay or inability to use the Website or the Services, the provision of or failure to provide the Services, or for any information, software, products, services and related graphics obtained from PCHF through the Website, whether based on contract, tort, negligence, strict liability or otherwise. Further, PCHF shall not be held responsible for non-availability of the Website during periodic maintenance operations or any unplanned suspension of access to the Website and/ or the Services that may occur due to technical reasons or for any other reason whatsoever. The User understands and agrees that any material and/or data downloaded or otherwise obtained from PCHF through the Website is done entirely at his discretion and risk and he will be solely responsible for any damage to his computer systems or any other loss that results from such material and/or data.
PCHF is having a valid Certificate of Registration dated 28 th August, 2017 issued by the National Housing Bank under Section 29A of the National Housing Bank Act, 1987. However, the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of PCHF or for the correctness of any of the statements or representations made or opinions expressed by PCHF and for repayment of deposits/discharge of the liabilities by PCHF.
These limitations, disclaimer of warranties and exclusions apply without regard to whether the damages arise from (a) breach of contract, (b) breach of warranty, (c) negligence, or (d) any other cause of action, to the extent such exclusion and limitations are not prohibited by applicable law.
USE OF COMMUNICATION SERVICES
The Website may contain services such as email, chat, bulletin board services, news groups, forums, communities, personal web pages, calendars, and/or other message (hereinafter collectively referred to as "Communication Services"). The User agrees and undertakes to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
PCHF will review materials posted through Communication Service and shall remove any materials in its sole discretion. The PCHF reserves the right to terminate the User's access to any or all of the Communication Services at any time without notice for any reason whatsoever.
PCHF does not control or endorse the content, messages or information found in any Communication Service and, therefore, PCHF specifically disclaims any liability or responsibility whatsoever with regard to the Communication Services and any actions resulting from the User's participation in any Communication Service.
As a condition of access and use of the Website, the User warrants that he will not use the Website for any purpose that is unlawful or illegal under any law for the time being in force within or outside India or prohibited by this Agreement. In addition, the Website shall not be used in any manner, which could damage, disable, overburden or impair it or interfere with any other party's use and/or enjoyment of the Website. The User shall refrain from obtaining or attempting to obtain any materials or information through any means not intentionally made available or provided for, by PCHF, through the Website.
The User represents and confirms that the User is of legal age to enter into a binding contract and is not a person barred from accessing and using the Website and availing the Services under the laws of India or other applicable law.
REGISTRATION PROCESS FOR USER
Registration of the User on the Website is optional. If the User opts to register himself on the Website, upon completion of the registration process, the User shall receive a User id and password. The User agrees and undertakes at all times to be responsible for maintaining the confidentiality of the password and User id, and shall be fully responsible for all activities that occur by use of such password or User id. Further, the User agrees not to use any other party's user id and password for any purpose whatsoever without proper authorization from such party. The User is responsible for the security of his password and for all transactions undertaken using his password. The password entered by the User is transmitted in one- way encrypted form to PCHF’s database and stored as such. Thus the password will not be known even to PCHF. PCHF will not be responsible for any financial loss or any other loss, inconvenience or mental agony resulting from misuse of your ID / password / account details.
The User also agrees and undertakes to immediately notify PCHF of any unauthorized use of the User's password or User id and to ensure that the User logs off at the end of each session at the Website. PCHF shall not be responsible for any, direct or indirect, loss or damage arising out of the User's failure to comply with this requirement.
The User also agrees to: (a) provide true, accurate and complete information about himself and his beneficiaries as prompted by the registration form ("Registration Data") on the Website; and (b) Upon registration PCHF will permit the User to review the information/data provided by User and it shall be User’s obligation to maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If the User provides any information that is untrue, inaccurate, not current or incomplete or PCHF has reasonable grounds to suspect that the Registration Data or any part thereof is untrue, inaccurate, not current or incomplete and PCHF shall not be responsible for authenticity of data provided by User. PCHF has the right to suspend or terminate the User's registration and refuse any and all current or future use of the Website and/or any of the PCHF Services where is found that User had willfully provided any inaccurate information/data Furthermore, the User grants PCHF the right to disclose to third parties the Registration Data to the extent necessary for the purpose of providing services by PCHF, its affiliates and third party service providers.
The Parties hereby agree to keep the data, information and terms of the contract (“Confidential Information”) confidential and shall not disclose the same without the consent of the other Party, except in pursuant to an order of any court or government authority and/or, in performance of this contract by PCHF and/or when the parties independently obtain from third party.
Any and all trademarks and/or service marks of PCHF (whether registered or in the process of
registration) and all rights accruing from the same, statutory or otherwise, wholly vest with
PCHF. Any violation of the above would constitute an offence under the laws of India and
international treaties governing the same.
Except as otherwise noted on this Website, the contents of this Website are copyright of PCHF.
All rights of PCHF are reserved. No part of the information on this Website, including text,
graphics and html code, may be reproduced, transmitted or modified in any form by any means,
without the express written consent of PCHF.
Without prejudice to the other remedies available to PCHF under this Agreement or under applicable law, PCHF may limit the User's activity, warn other Users of the User's actions, immediately temporarily / indefinitely suspend or terminate the User's registration, and/or refuse to provide the User with access to the Website if, the User is in breach of this Agreement and/or the documents it incorporates by reference; or PCHF is unable to verify or authenticate any information provided by the User; or PCHF believes that the User's actions may infringe on any third party rights or breach any applicable law or otherwise result in any liability for the User, other Users of the Website and/or PCHF.
PCHF may at any time in its sole discretion reinstate suspended Users. Once the User has been indefinitely suspended the User may not register or attempt to register with PCHF or use the Website in any manner whatsoever until such time that the User is reinstated by PCHF. Notwithstanding the foregoing, if the User breaches this Agreement or the documents it incorporates by reference, PCHF reserves the right to recover any amounts due and owing by the User to PCHF and to take strict legal action as PCHF deems necessary.
Subject to the terms of this Agreement, PCHF hereby grants to the User, if and only to the extent the necessary functionality is provided to the User on or through the Website, the following limited, revocable, non-exclusive, non-transferable, non-assignable, worldwide, royalty-free rights and licenses (each a "License"): (i) the License to access, view and otherwise use the Website (including, without limitation any information or Services provided on or through the Website) for your personal, lawful use only, as intended through the normal functionality of the Website; (ii) if the Website includes a "Send to Friend" tool that allows the User to initiate and send to one of his friends an email communication that includes Website content, and the tool is operational, the License to use the tool to request that the Website's servers convey his message to his friend; (iii)the License to obtain a registered personal account (and related username and password) on the Website and interact with other Website Users as part of Website-based chat rooms, message boards, social media networks, online multiplayer games and/or other similar activities; (iv) the License to use any other functionality expressly provided by PCHF on or through the Website for use by Users, subject to this Agreement.
The content of the Website and all copyrights, patents, trademarks, service marks, trade names and all other intellectual property rights therein are owned by PCHF and/or its licensors and are protected by applicable Indian and international copyright and other intellectual property law. The User acknowledges, understands and agrees that he shall not have, nor be entitled to claim, any rights in and to the Website content and/or any portion thereof.
PCHF may provide the User with content including information, sound, photographs, graphics, video or other material through the Website. This material may be protected by copyrights, trademarks or other intellectual property rights and laws. The User may use this material only as expressly authorized by PCHF and shall not copy, transmit or create derivative works of such material without express authorization from PCHF.
The User acknowledges and agrees that he shall not upload, post, reproduce distribute or modify any content on or through the Website that is protected by copyright or other proprietary right of a third party, without obtaining the permission of the owner of such right. Any copyrighted or other proprietary content distributed on or through the Website with the consent of the owner must contain the appropriate copyright or other proprietary rights notice. The unauthorized submission or distribution of copyrighted or other proprietary content is illegal and could subject the User to personal liability or criminal prosecution.
The User agrees not to copy, reproduce, duplicate, stream, capture, access through technology or means other than those provided on the Website, perform, transfer, sell, resell, download, upload, archive, license to others, edit, modify, manipulate, create derivative works from or based upon (including, without limitation, mash-ups, montages, wallpapers, ringtones, greeting cards, or other merchandise), publish, republish, post, transmit, publicly display, frame, link from or to, distribute, share, embed, translate, decompile, reverse engineer, translate, incorporate into any hardware or software application, use for commercial purposes, or otherwise use or exploit the Website or any component part thereof. Any of the unauthorized uses referred to above would constitute an infringement of the copyrights and other proprietary rights of PCHF and/or its licensors (including, without limitation, other Website Users who have submitted their own information) and a violation of this Agreement and may subject User to civil and/or criminal liability under applicable laws.
The User agrees to indemnify, defend and hold harmless PCHF, its affiliates, group companies and their directors, officers, employees, agents, third party service providers, and any other third party providing any service to PCHF in relation to the Services whether directly or indirectly, from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by PCHF that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any terms of this Agreement including any representation, warranty, covenant or agreement made or obligation to be performed by the User pursuant to this Agreement.
PCHF or any of its affiliates or group companies or any of their respective officers, employees, directors, shareholders, agents, or licensors, in no event shall be liable to User or anyone else under any theory of liability (whether in contract, tort, statutory, or otherwise) for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of revenues, profits, goodwill, use, data or other intangible losses (even if such parties were advised of, knew of or should have known of the possibility of such damages), resulting from the User’s use (or the use of anyone using an account registered to the user) on the website or any parts thereof.
Notwithstanding anything to the contrary herein, the User hereby irrevocably waives any right or remedy to seek and/or obtain injunctive or other equitable relief or any order with respect to, and/or to enjoin or restrain or otherwise impair in any manner, the production, distribution, exhibition or other exploitation of any the PCHF or any of its affiliate or group company related services, or the use, publication or dissemination of any advertising in connection with such services.
PCHF may under certain circumstances and without prior notice, immediately restrict the User's usage of and/or limit access to the Website/ PCHF Services. Causes for restriction and /or limitation may include, but shall not be limited to, breach by the User of this Agreement, requests by enforcement or government agencies, requests by the User.
The User's should immediately discontinue use of the Website/ PCHF Service; and notify PCHF of such discontinuance by written communication or by sending e-mail from registered e-mail address of the User in case the User object to any terms and conditions of this Agreement or become dissatisfied with any PCHF Service in any way or wishes to withdraw any consent previously given. PCHF then shall have a right to put a restriction or limitation on use the Website/ Services and software by the User.
The User agrees that the User shall have no right and PCHF shall have no obligation thereafter to execute any of the User's uncompleted tasks or forward any unread or unsent messages to the User or any third party.
The User agrees that once the User's usage of and /or access to website has been restricted and/or limited any data that the User had stored on the Website, it may not be available for the User’s disposal.
In case of any grievance that the User may have in relation to any information uploaded on the Website or with respect to processing of information or use of Website, the Grievance Officer provided at the Website may be contacted, who shall endeavour to expeditiously redress the grievances, but within reasonable time as may be provided in applicable laws.
PCHF shall not be liable for any failure to perform any of its obligations under this Agreement or provide the Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.
This Agreement shall be governed by the laws of India and in case of any dispute it shall be subject to the exclusive jurisdiction of the courts of Mumbai, India.
