This Privacy Policy covers the information provided to us when you call or visit the www.onimoney.com and obtain or seek to obtain a financial product or service. OniMoney provides various Banks/NBFCs products and services that are intended for Indian residents over 18 years of age only.
Please be aware that other websites that you may access through our site may collect personally identifiable information about you. Our Privacy Policy does not cover those third party websites, and we encourage you to read their privacy policies prior to providing them with your personal information. To assist you with reading through our Privacy Policy, we have provided answers to questions you may find most important, and have created the following sections:
How does OniMoney Collect and use my information?
OniMoney may collect and use your personal information to respond to your requests for our financial products and services or to provide you with information about products or services that may be of value to you. Certain personal information OniMoney collects about you may be publicly available via government records, telephone books, and other widely available media (i.e. the Internet). However, we treat all information you provide to us as non-public.
Information you provide
OniMoney collects the personal information you provide when you:
- Register for a OniMoney My Account.
- Apply for a home loan, personal loan, automobile loan and education loan.
- Use our loan planning tools.
- Participate in a contest, promotion or online survey.
- Contact OniMoney with a question or suggestion.
Loan planning tools
When you use our loan planning tools we collect information including email address, loan amount, interest rate, and payment terms. We use this information to provide you email communications that you have requested for newsletters, mortgage monitor etc.
Loan application
In order to process your loan application, we collect information including name, current address, permanent address, office address, age, qualification, loan amount, tenure, property location etc.
OniMoney My Account
If you apply for a loan, you will first need to create a OniMoney My Account. However, you may create a OniMoney My Account without applying for a loan if you wish to access the special features we offer in our portal. When you register for a OniMoney My Account, we request information including name, email address, telephone number etc. Your OniMoney My Account allows you to easily manage your debt and track market conditions. When you enter your information to your online application, the information is saved in your preferences so that you can return to your application and finish completing it at another time without having to reenter any information.
When you setup a OniMoney My Account, you will select a password to use. You will need this password to access your personalized Web page.
Contest, promotion or online surveys
We sometimes run contests on our site in which we ask visitors for contact information (like their email address), and we may ask additional optional survey information (like loan product preferences). We will use information from contest entries to contact you if you win, and names of contact winner will be made available upon request, as required by law. We may use survey information for aggregate analysis of our contest entrants. Your choice of whether to participate in a contest will have no affect on your ability to access or use the rest of our website. All contests are subject to rules that will be available with each particular contest.
Optional information
When accessing the OniMoney website, we may give you the option of submitting general information, such as whether you own a home, for purposes related to providing you with new financial products or services that may be of value to you. Certain information must be provided at the time you submit your request for a financial service or product. We allow you to submit your loan application without providing all requested information to speed up the loan process. However, you will be required to give us any missing information required by our investors or needed to process and fund your loan.
Information collected from other sources
OniMoney may also collect information about you from the following sources:
Consumer reporting agency: We may receive information regarding your creditworthiness or credit history from a consumer reporting agency. We use this information to approve and process your loan application, and to offer OniMoney products that may be of interest to you.
Outside sources: We may receive information regarding your employment or bank accounts from others who have relationships with you. OniMoney uses this information to verify representations you make, such as your employment history, loan or credit card balances or your property insurance coverage.
Technical information
We use technology to:
Gather technical information from your Web browser (IP address, operating systems);
Set persistent cookies on your computer; and Collect anonymous, non-personally identifiable information about your navigation throughout our website by using "action tags" or invisible "gifs" placed on our website by OniMoney or our business partners.
We use this information for routine Website maintenance; to establish that you are a unique user; to assist you in the loan process; and/or for purposes of assessing the effectiveness of our Website, products and services.
If you choose to disable cookies, you will still be able to access most of the OniMoney website. However, as a security precaution, in order to apply for a loan you may be required to enable cookies on your Internet browser.
You may also use cookies to remember your log-in username, if you elect this option. If you do not elect this option, you will be required to re-enter your username and password each time you access your account. These cookies do not contain any personally identifiable information.
The OniMoney website may link you to other companies' websites that offer services that may be of interest to you. These companies do not obtain any specific information about you or your transaction on the OniMoney website. You may also access the OniMoney website from another company's website. We may collect Web traffic statistics from you and other consumers' Web browsers, and we may share this aggregated information with outside companies to assist them with assessing the effectiveness of their website content. No personal information is shared in this aggregated information.
Can I access my information?
We provide you with the ability to view, and if necessary update and correct, information we maintain about you in our systems. Currently, access is limited to loan applications, OniMoney My Account activity, and newsletter services.
Loan applications: You may view your disclosures, including your loan application, by accessing your account. If you request paper copies of your disclosures when you submit your application, we will send you a paper copy in addition to providing your disclosures electronically. You may request a change or update to the information in your file by contacting a Customer Service representative at x-xxx-xxx-xxxx.
My Account: You may update information contained in your OniMoney My Account by logging into your account.
Loan Planning Tools: Email addresses needed to send communications for newsletter subscriptions can be updated or changed by submitting a new email address on the subscription page, updating your preferences and selecting the "update" button.
How does OniMoney safeguard my personal information?
OniMoney uses a variety of security safeguards to protect your information from loss, misuse, alteration or destruction. For example, you will only be able to access information in your OniMoney My Account by submitting the username and password you created during registration. We provide access to your personal information to OniMoney employees and other authorized parties on a "need to know" basis. In addition, we require that all employees attend our privacy training program and sign a Privacy Pledge that indicates that they are aware of OniMoney privacy policies regarding using and disclosing information.
OniMoney also uses Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from OniMoney during your session.
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