This document aims to provide a clear set of procedures on the information collected from SHDFC website visitors.


This Privacy Policy governs the manner in which Shubham Housing Development Finance Company Limited (hereinafter referred to as "SHDFC") collects, uses, maintains, and discloses information collected from users of this Website. This privacy policy applies to all products and services offered by Shubham Housing Finance. It applies regardless of whether you use a computer, mobile phone, tablet, or television or any other media or computer resource to access our Services. It also applies to those who register on our Website in connection with use of our services. It is important that you read the Privacy Policy carefully because whenever you use SHDFC Website, your personal data will be processed (if at all) in accordance with this policy. SHDFC constantly seeks to maintain the integrity of and make improvements to the Website. As part of these efforts, SHDFC collects and analyzes certain aggregate information about how visitors use the Website. Your right to privacy is very important. SHDFC recognizes that when you choose to provide us with information about yourself, you trust us to act responsibly. SHDFC believes information gathered should only be used to help us provide you with better services. But due to the existing regulatory environment, SHDFC cannot ensure that all your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. Therefore, although SHDFC usesindustry standard practices to protect your privacy, SHDFC do not promise, and you should not expect, that your personal information or private communications will always remain private. Notwithstanding the above SHDFC will not disclose any of your personally identifiable information to third parties unless SHDFC have your permission or other circumstances such as compliance with subpoenas, court orders, requests/order from legal authorities or regulators or law enforcement agencies requiring such disclosure


When you visit our Website, SHDFC may collect various types of technical data including (but not limited to) domain and/or Web browser information. This data is gathered using cookies and other similar tracking technologies. Cookies are small pieces of information that our server places on a visitor's computer hard drive to enable that person to more easily communicate and interact with the Website.

1.4Personal Data Collection:

Personal Data, means and includes, any data relating to identified or identifiable living person (‘data subject’ here in referred as you/your’) including but not limited to, name, telephone number, email ID, any personal details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India (UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies (CIC). SHDFC collect data about you or your usage to provide better services to all of our users.

SHDFC collect data in the following ways:

  • • SHDFC may collect your data through campaigns and publicly available sources.
  • • When you communicate with SHDFC or use the SHDFC platform to communicate with other members, SHDFC collect data about your communication and any data you choose to provide.
  • • If you choose to sign in with your social media account to access SHDFC, or otherwise connect your social media account with the services of SHDFC, you consent to our collection, storage, and use, in accordance with this Privacy Policy, of the information that you make available to us through the social media interface. Please see your social media provider's privacy policy and help center for more information about how they share data when you choose to connect your account.
  • • SHDFC does not collect Personal Data about individuals except when such individuals specifically provide such data on a voluntary basis. Upon such voluntary disclosure of Personal Data, SHDFC may further verify, collate or receive data about you from publicly and commercially available sources (as permitted by law), which SHDFC may combine with other data SHDFC receive from you. SHDFC may also receive data about you from third-party social networking services if you are already connected with those services.

Personal data uses:

  • • SHDFC use data collected from cookies and other technologies, like pixel tags, to improve your user experience and the overall quality of our services.
  • • Send alerts and newsletter(s) to you.
  • • Communicate with you concerning our service so that SHDFC can send you details about SHDFC promotional announcements, marketing purposes and surveys, other services of SHDFC affiliates.
  • • Improve our SHDFC site/applications and its content to provide better features and services.
  • • Conducting market research and surveys with the aim of improving our products and services.
  • • Preventing, detecting, investigating, and prosecuting crimes (including but not limited to fraud and other financial crimes) in any jurisdiction, identity verification, government sanctions screening and due diligence checks.
  • • Establishing, exercising, or defending legal rights in connection with legal proceedings (including any prospective legal proceedings) and seeking professional or legal advice in relation to such legal proceedings.
  • • Our automated systems analyse your content to provide you customised search results, recommendations and specific promotions and offers.
  • • To help advertisers understand our audience and confirm the value of advertising on our SHDFC websites or Applications, (however it is usually in the form of aggregated statistics on traffic to various pages within our site).
  • • Notify you about changes in terms of service or privacy policy.
  • • Sharing with our customer support team and other relevant stakeholders to resolve your queries/concerns/feedback related to your rights or services provided to you.

1.5Third Party Links and Content on Services:

Shubham Housing Development Finance Company Limited Website may contain links to other sites, and SHDFC try to link only those sites that share our high standards and respect for privacy. SHDFC are not responsible for the content or the privacy practices used by other sites.


Shubham Housing Development Finance Company Ltd. endeavours to take reasonable and appropriate measures to protect your personal information from unauthorized access or disclosure. However, SHDFC do not warrant or represent that your personal information is completely safe from any type of security threats.


Consent is often referred to as an individual’s choice to “opt-in” or “opt-out” the use of their Personal Data and is usually obtained by a “check box” or signature confirming the individual understands and agrees to the processing of their Personal Data. At times, express written consent from you may be required based on the data processing activity. Whenever required, SHDFC take consent from you prior to :

  • • Collecting, using, or processing your Personal Data, including sensitive Personal Data, in certain ways or sharing your Personal Data with any third party (sensitive Personal Data is data revealing your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, data concerning health or data concerning sex life or sexual orientation).
  • • Transferring your Personal Data outside of your country of residence.
  • • Using or placing web cookies on your computer or other electronic devices.

1.8Retention of Information:

SHDFC shall not retain or store such information for periods longer than is required for the purposes except when the information may lawfully be used or is otherwise required under any other law for the time being in force.By agreeing to avail the services offered by SHDFC, you have agreed to the collection and use of your Sensitive Personal Data or Information, as well, by SHDFC. You always have the right to refuse or withdraw your consent to share/disseminate your Sensitive Personal Data or Information by contacting the customer care. However, in the event of your refusal or withdrawal of personal data, you shall fully not be able to avail any services of SHDFC.

1.9Information Sharing and Disclosure:

SHDFC restrict access to your Personal Data to employees who SHDFC believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services.

SHDFC does not rent, sell, or share Personal Data about you with other people or non-affiliated companies except : a) to provide products or services you've requested, b) when SHDFC have your permission, c) or under the following circumstances:

  • • SHDFC provide the information to trusted partners who work on behalf of or with SHDFC under confidentiality agreements. These companies may use your Personal Data to help SHDFC communicate with you about offers from SHDFC and our marketing partners. However, these companies do not have any independent right to share this data.
  • • SHDFC may disclose your Personal Data to agents or contractors of SHDFC and/or its group companies/affiliates to enable processing of transactions or communications with you on need basis. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for SHDFC and/or its group companies/affiliates.
  • • RBI/NHB/Registrar and transfer Agents/KYC Registration Agencies (KRAs) and other such agencies, solely for the purpose of processing your transaction requests for serving you better.
  • Any judicial or regulatory body, Auditors.

1.10Changes to this Privacy Policy:

SHDFC reserves the right to change or update this Privacy Policy or any other of our policies/practices at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically, to make sure that you are aware of any such changes. When SHDFC do, SHDFC will also revise the “Date of Updation” date at the top of this privacy statement. For material changes to this privacy statement, SHDFC will notify placing a notice on this Web Site.

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

Shubham Housing Development Finance Company Ltd.

Shubham House, 425, Udyog Vihar Phase-IV,Gurgaon, Haryana - 122015

Email: privacy-shubham@shubham.co

If at any time you have grievances or discrepancies with regard to any breach of personal information or sensitive personal information, you may contact the Grievance Officer. The details are displayed below:

  1. Mr. Gaurav Khurana
  2. Chief Information Officer
  3. Shubham House, 425, Udyog Vihar Phase-IV, Gurgaon, Haryana - 122015.
  4. Tel. No.: +91
  5. E-mail id : privacy-shubham@shubham.co
  1. 1. On receipt of the Complaint, the Grievance Officer shall acknowledge the aggrieved party the receipt of the complaint within 3 working days.
  2. 2. Also, within 3 working days of receipt of the complaint, the Grievance Officer shall ensure that the data or information against which the grievance is received is removed from the website or access to that data is denied.
  3. 3. Further, within One Month [30 Days] of receipt of the complaint, the Grievance Officer shall take action on the same and resolve the matter.

Child Protection:

SHDFC does not offer services to, or target, persons considered minor under the Indian laws i.e.,children below 18 years of age. In compliance with the Indian laws, the Information SHDFC receives from people we believe to be minors will be purged from SHDFC’s database. Further, SHDFC reserves its rights to purge any content or information which it finds in violation of Section 67B of Information Technology Act, 2000, i.e., contents or information or any material which depicts children in sexually explicitly acts, and which amounts to the facilitation of child abuse. SHDFC may unilaterally debar such User from availing its services.