L&T Finance - Privacy Policy

Terms of Use
The following privacy policy (“Privacy Policy”) governs your use of this Website/Application and the information accessible on or from the Website/Application of L&T Finance Limited (formerly known as L&T Finance Holdings Limited), its affiliates and its subsidiaries (together herein referred to as “L&T Finance ” or “LTF”). Please read the Privacy Policy carefully before accessing, using or submitting any material/information available on this Website/Application. By accessing any part of this Website/Application and/or submitting any information and/or using the information provided on or via this Website/Application you agree to be bound by and you will be deemed to have accepted the Privacy Policy in full.

If you have any queries please contact us via email
For Two-wheeler, Farm and Consumer Loan: [email protected]
For Housing Loan: [email protected]
For Infra Bond: [email protected]

L&T Finance Limited (formerly known as L&T Finance Holdings Limited)
Brindavan, Plot No 177,
Vidyanagari Marg, CST Road, Kalina
Santacruz (E), Mumbai 400 098

Ownership
All rights, title and interest (including, but not limited to all copyrights, trademarks, and other intellectual property rights, if any) in this Website/Application belong to us. In addition, the names and other indicia identifying our products and services are our proprietary marks. You acknowledge that you do not own and shall not acquire any title, interest, or right on any of the intellectual property rights of LTF. You hereby agree that the information on the Website/Application shall be used for lawful purposes only and that you will not violate laws, regulations, ordinances or other such requirements of any applicable Central, State or local government or any other international laws.

Terms of Intellectual Property
All information displayed, transmitted or carried on this Website/Application (including, but not limited to, directories, guides, articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, logos etc) is protected by and in the name of LTF (as owned by or licensed to it) under intellectual property laws in India.

Permitted Use
Except as expressly provided in this paragraph nothing contained in this Website/Application shall be construed as conferring any license or right, expressly, by implication, by estoppel or otherwise, on any intellectual property rights including any third party's intellectual property rights, and no part of this Website/Application may be reproduced, republished, copied, transmitted or distributed in any form or by any means without written permission of LTF.

You shall not archive or retain any information or content herein (except any information relating to your accounts or transactions) in any form without written permission of LTF.

You may not distribute, modify, transmit, reuse, repost, or use the content of this Website/Application for public or commercial purposes, including the text, images, audio, and video without LTF' written permission. LTF neither warrants nor represents that your use of materials displayed on this Website/Application will not infringe rights of third parties.

Information Use by LTF
The information as supplied by the users enables us to improve the services and provide you the most user-friendly experience. In some cases/provision of certain service(s) or utility(ies), we may require your name, contact, address or other personal information. All required information is service dependent and LTF (either directly or through its service providers) may use the above said user information to provide, maintain, protect, and improve the services (including advertising and personalization on the Website/Application) and for developing new services. Personal information shall not be shared with any third party partner/vendor/service provider unless the same is necessary to enable LTF to provide services to the customer or to enable the compilation of a transaction, credit/bureau reporting/evaluation, or the same is necessary or required to provide customers with superior services and a range of offers. We (either directly or through our service providers) may also use your email address or other personally identifiable information as shared by you to send commercial or marketing messages about our services and/or such additional updates and features about third party products and services with an option to subscribe / unsubscribe. To opt-out from such messages, please notify us the same at [email protected] for Two Wheeler, Farm Equipment & Micro Finance and [email protected] for Housing /Real Estate Finance.

We may continue to use your email address to notify you of any critical administrative or operational updates. We may, however, use your email address or other data for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, billing, etc.).

Any personally identifiable information provided by you will not be considered as sensitive if it is freely available and / or accessible in the public domain like any comments, messages, blogs, scribbles available on social platforms like Facebook, twitter etc.

Cookies
Cookies that are text files containing small amounts of information which are downloaded to your device when you visit a website in order to provide a personalised browsing experience. Cookies do lots of different jobs, like allowing users to navigate between pages efficiently, remembering their preferences, and generally improving their browsing experience. These cookies collect information analytics about how users use a website, navigate between pages efficiently, remembering your preferences, and generally improving your browsing experience. Cookies can also help ensure marketing you see online is more relevant to you and your interests. By using our Website/Application user/s agree that these types of cookies could automatically be downloaded on your device. You are free to disable/delete cookies by changing your web browser settings. LTF is not responsible for cookies downloaded to in the device of user/s by any other website and information collected thereto.

Commitment to Privacy
Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used as allowed or required by applicable law.

We will take steps to use your personal information only in ways that are compatible with this Privacy Policy and in compliance with applicable law. We do not share, trade, sell or rent any of the individual personal information you provide with this site (other than as provided herein).

LTF reserves the right to disclose any information including personal details that is required to be shared, disclosed or made available to any governmental, administrative, regulatory or judicial authority under any law or regulation applicable to LTF. LTF can further disclose your name, street address, city, state, pin code, country, phone number, email, proof of identity or any other personal information as it in its sole discretion believes necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity

Linking to other websites/ Website/Applications
As a convenience and/or to provide services, this Website/Application may contain links to other websites/ Website/Applications operated by third parties that are not controlled by, or affiliated or associated with LTF. Accordingly, we do not make any representations concerning the privacy practices or policies of such third parties or terms of use of such sites, nor do we control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such sites. The inclusion or exclusion does not imply any endorsement by LTF of the site, the site 's provider, or the information on the website/ Website/Application.

The third party websites/ Website/Applications may also contain links to external websites/ Website/Applications, having further linked websites/ Website/Applications, controlled or offered by third parties (Non-Affiliates of LTF), in order to help you find relevant websites/ Website/Applications, services and/or products which may be of interest to you, quickly and easily. The contents displayed or products/ services offered on such linked websites/ Website/Applications or any quality of the products/ services are not endorsed, verified or monitored by LTF. LTF is also not responsible for the owners or operators of such external websites/ Website/Applications or for any products or services they supply or for the contents of their websites/ Website/Applications and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external website/ Website/Application to which this Website/Application includes a link infringes the intellectual property rights of any third party).

Grievance Redressal Mechanism
Any complaints or concerns with regards to content and/or comments or to report any abuse of laws or breach of these terms may be taken up with the designated grievance redressal officer as mentioned below via post or through email signed with the electronic signature to:

For Two-Wheeler, Farm Equipment & Micro Finance: [email protected]

For Home Loans: [email protected]

For Infra Bond: [email protected]

Force Majeure
LTF shall not have any liability for any interruption or delay, to access the Website/Application due to a Force Majeure Event. For the purposes of this clause, 'Force Majeure Event' means any event or circumstance or combination of events and circumstances which is reasonably beyond the control of the party affected thereby and which causes or results in default or delay in performance by such affected party of any of its obligations under this Privacy Policy and includes an act of God, war, epidemics, pandemics, floods, fires, lockdowns, hostilities, civil commotion, strikes, lockouts and other industrial disputes.

Termination of Account, Suspension or Discontinuation of the Service
LTF reserves the right to change, suspend, or discontinue temporarily or permanently, some or all of the services (including the content and the devices through which the services are accessed), with respect to any or all users, at any time without notice. You acknowledge that LTF may do so in its sole discretion. You also agree that LTF will not be liable to you for any modification, suspension, or discontinuance of the services.

LTF may retain any information and associated records that are required to be retained or preserved under applicable laws and/or as part of automatic electronic back-ups including post termination of your account and irrespective of whether such information or content has been removed or access to it has been disabled.

Limitation of liability
Under no circumstances shall LTF be liable to any users of this Website/Application for:

  •    loss, injury, claim, liability or damages (either direct or indirect or opportunity losses) of any kind resulting from the use of or the inability to use the material on this site, even if LTF had been advised of the possibility of such damages and regardless of the form of action, whether in contract, tort or otherwise;

   •    special, direct, indirect, incidental, punitive, exemplary or consequential damages of any kind whatsoever (including without limitation lawyer's fees) in any way due to, resulting from or arising in connection with the use of or the inability to use this Website/Application or its content/materials;

   •    claim attributable to errors, omission or inaccuracies in or destructive properties of any information available herein 

   •   any warranty and representation/disclaimer

LTF also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Website/Application or your downloading of any materials, data, text, images, video, or audio from this Website/Application.

Amendment
LTF reserves the right to change the information provided on or via this Website/Application, including the terms of this Privacy Policy, at any time and without notice. However, LTF shall not undertake to update the content contained on this Website/Application from time to time. It is recommended that you review the information provided on or via this Website/Application periodically for changes. LTF shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information on this Website/Application.

Software Licenses
You acknowledge that any software which may be available or provided to you on this Website/Application may contain technology that is subject to strict controls pursuant to laws and regulations of India and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. LTF does not authorize the downloading or exportation of any software or technical data from this Website/Application to any jurisdiction prohibited by such export controls laws and regulations.

Governing laws
Any dispute arising out of the content, information, material etc. provided on this Website/Application or violation of the trademark and copyright rights of LTF, this Privacy Policy and any use or access of this Website/Application shall be governed by and construed in accordance with the laws of India without reference to conflict of laws principles. In the event any dispute in relation hereto is brought by the User, it shall be subject to the exclusive jurisdiction of the courts of Mumbai, India.

Regarding Permissions
Why Permissions?
Thank you very much for choosing LTF as your preferred finance partner. Before getting started, just give us a moment to explain why we need the permissions on our digital platfroms, such as website, applications, etc.

Storage (Photos, Media, Files, Documents)
This permission is required so that users' loan account statements can be securely downloaded and saved on user's phone, and so that user can upload the right documents for a faster approval and disbursal of the loan. Also, this helps provide a very smooth seamless experience while using the app.

Contacts
Contacts permission is required to augment user's credit profile which helps us to provide best loan offers to the user.

Location
User location helps to locate and verify the address which helps in making better credit risk decisions and fasten the Know Your Customer (KYC) process.

Camera
Camera access is required so that user can easily scan or capture identity documents, etc. and save time by allowing us to auto-fill the required data and helps in improving the user journey and experience.

Phone State /Phone Calls
To understand phone status for seamless experience and to send payment notifications.

Calendar
Required to view, update events & send reminders related to your loan accounts

Whatsapp communications
Required for quick & real time updates on disbursement status, customised offers & instant services/documents available at one click from your phone.
We, at LTF, are extremely careful about your privacy and will always strive to provide you the best in class service.

With you accepting this Terms and Conditions, by clicking “Proceed”, you hereby consent that: (a) LTFH, its employees, representatives and/or its agents may send SMS/Phone Calls/Email/instant messaging service like WhatsApp, Telegram, etc. in relation to the products and services offered by LTFH and/or its partners; this consent overrides/cancels your registration with the "National Do No Call Registry" (NDNC) or "Do Not Disturb" service with respect to LTFH, its employees, representatives and/or its agents.