Privacy Policy

🔒 Privacy Policy for ATHMA BANDHU CORP (Code: RAS0012)

Last Updated: 16-12-25

ATHMA BANDHU CORP (“We,” “Us,” or “Our”) acts as a Direct Selling Agent (DSA) for LIC Housing Finance Limited (LICHFL). We are committed to protecting the privacy and confidentiality of the personal and financial information collected from our prospective and existing clients (“You” or “Your”). This policy outlines how we collect, use, disclose, and safeguard your data in our capacity as a DSA.

1. Data Collection

We may collect the following types of Personal Data and Sensitive Personal Data or Information (SPDI) from you:

  • Identity Data: Name, age, gender, date of birth, photograph, signature, marital status.

  • Contact Data: Residential/correspondence address, telephone number, mobile number, and email address.

  • KYC/Official Data: Permanent Account Number (PAN), Aadhaar number, passport number, voter ID, and other Know Your Customer (KYC) documents.

  • Financial Data: Income details, liabilities, bank account details, details linked to credit/debit instruments, and information related to credit score/history.

  • Transaction Data: Details concerning the loan product or service you are interested in or apply for.

2. Purpose of Collection and Use of Data

We collect and use your data strictly for the purpose of fulfilling our duties as a DSA to LICHFL, which include:

  • Facilitating Loan Applications: To process, scrutinize, and forward your housing loan application and necessary documents to LICHFL.

  • Preliminary Verification: To verify and ensure the genuineness of proofs of income and other documents submitted.

  • Communication: To contact you regarding your application, loan status, or any further documentation required.

  • Service Delivery: To provide necessary assistance to you and LICHFL to complete the loan transaction speedily.

  • Legal & Regulatory Compliance: To comply with all applicable laws, regulations, and guidelines issued by regulatory authorities (like RBI, NHB, etc.).

3. Consent

By providing your Personal Data and SPDI, you:

  • Consent to the collection, storage, and processing of your data by ATHMA BANDHU CORP for the purposes outlined in this policy.

  • Acknowledge that we will share this information with LICHFL for the purpose of processing your loan application and other related activities.

  • Understand that you have the option to refuse to provide the data or information sought to be collected, or to withdraw your consent at any time. However, withdrawing consent may prevent us from assisting you with your loan application or services.

4. Disclosure and Sharing of Data

We may disclose or share your Personal Data and SPDI with:

  • LICHFL: As our principal, LICHFL is the primary recipient for the purpose of loan processing and decision-making.

  • Service Providers: Third parties who provide services like credit checking, fraud prevention, IT support, or legal compliance, under strict confidentiality agreements.

  • Legal Authorities: Government agencies, regulators, or law enforcement, where required by law or legal process.

5. Data Security

We employ reasonable physical, electronic, and procedural safeguards to protect your personal information from misuse, loss, unauthorized access, modification, or disclosure. We ensure that our employees and third parties adhere to strict confidentiality and security protocols.

6. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The “Last Updated” date will indicate when the most recent changes were made. Your continued engagement with us after any modification constitutes your acceptance of the new terms.

7. Contact Information

For any questions or concerns regarding this Privacy Policy, please contact:

ATHMA BANDHU CORP (Code: RAS0012) | Mohan Raj-9900889696 and Ramachandra-9449155666

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