MAS HOME LOAN SAATHI Privacy Policy
Effective Date: 2025-07-18
This Privacy Policy explains how MAS HOME LOAN SAATHI collects, uses, and manages personal data when you use the application to access your loan details, apply for loans, raise service requests, locate nearby branches, and access other related services.
Third-Party Data
We, as MAS Rural Housing and Mortgage Finance Limited. ("Owner"), ensure that any third-party personal data shared through the application is obtained with the required consent from our users (customers), in compliance with applicable data protection regulations.
Data Security
Securing users' information is of paramount importance to MAS Rural Housing and Mortgage Finance Limited. We implement various management, technical, and administrative measures to safeguard personal data.
- Technical controls to secure underlying systems.
- Regular internal and external audits.
- Compliance with regulatory and statutory obligations.
- Information Security certifications, such as ISO 27001:2022.
- Data discovery mechanisms to track and secure personal data using encryption and masking.
- Access controls ensuring employees have limited data access on a need-to-know basis.
- Third-party agreements ensuring compliance with security standards and obligations regarding data use and transfer.
Unauthorized use, sharing, or breaches of confidentiality will be subject to penalties as per the master agreement, including possible legal proceedings.
Consent
By using our application and availing of services from MAS Rural Housing and Mortgage Financial Limited, the user consents to:
- The terms of this Privacy Policy and the Terms of Use of the mobile application.
- The collection and processing of data for loan facilitation.
- Aadhaar-based authentication and verification (eKYC and OKYC) as per UIDAI regulations.
- Communications related to marketing and business promotions.
- Data storage as per company policy and regulatory/legal requirements.
Types of Information Collected
MAS Rural Housing and Mortgage Finance Limited collects the following user information:
- Personal Data: Name, age, date of birth, gender, address, mobile number, email ID, PAN number, photograph, KYC documents (e.g., Aadhaar), etc.
- Device & Usage Data: IP address, browser details, application activity, traffic information.
Sources of Information
MAS Rural Housing and Mortgage Finance Limited collects information from the following sources:
- Directly from users during the product application process (online/offline).
- From users' browsers, mobile applications, or devices (including cookies).
- From service providers, dealers, agents, and agencies.
- Through customer email communications with user consent.
<%-- Payment Processing via Paytm
MAS HOME LOAN SAATHI integrates Paytm as a third-party payment gateway for users to make loan payments, including overdue amounts. By using Paytm within our application:
- You consent to Paytm’s terms and privacy policies.
- Paytm may collect payment-related data (e.g., transaction ID, payment status).
- MAS HOME LOAN SAATHI does not store sensitive payment details such as card numbers or CVV.
- Payment transactions are encrypted and secured per industry standards.
- Any disputes regarding transactions should be raised with Paytm and MAS Rural Housing and Mortgage Finance Limited.
--%>
Mobile App Permissions
To enhance user experience, MAS HOME LOAN SAATHI may require certain device permissions:
| Sr. No. |
Permission |
Purpose |
| 1 |
Location |
Customer KYC, Fraud Detection |
| 2 |
Photos |
Upload profile photo |
| 3 |
Notifications |
Transactional communication |
| 4 |
Files, Media & Storage |
Servicing customer requests for products, KYC, and document downloads |
| 5 |
SMS |
Login authentication |
Place of Processing & Retention Period
Data is processed at the operating offices of the Data Controller and other locations involved in processing. Personal data is retained only as long as necessary or as required by law. Users may request data deletion or suspension at any time.
User Rights
Users have the right to:
- Access and review stored data.
- Request corrections, updates, or deletion of personal data.
- Request anonymization or restriction of data processing.
- Object to the processing of personal data for legitimate reasons.
Requests can be directed to the Data Controller using the contact information provided below.
Request Account Deletion
Users can request to delete their account and associated data:
- Sign in to the app.
- Navigate to the Profile Page.
- Click Delete Account.
- Confirm the deletion by selecting Yes.
Data Deletion Details:
- Personal Data: Includes identifiable details such as name, contact information, etc.
- Usage Data: Includes app usage details, IP address, and device/browser details.
Legal Information
This Privacy Policy complies with applicable data protection laws, including EC Directive 95/46/EC and Directive 2002/58/EC (updated by Directive 2009/136/EC). For inquiries, contact the Data Controller.
Changes to the Privacy Policy
MAS Rural Housing and Mortgage Finance Limited may update this Privacy Policy periodically. Users are encouraged to review this page for updates. Changes will be notified by posting the updated policy.
Contact Us
For questions or suggestions regarding this Privacy Policy, please contact:
Email:
Phone:
Address:
MAS Rural Housing and Mortgage Finance Limited
4th Floor, Narayan Chambers,
B/H Patang Hotel, Nehru Bridge Corner, Ashram Road,
Ahmedabad - 380009.