Privacy Policy

KeyOwn Habitat (“KeyOwn Habitat”, “we”, “us”, or “our”) respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, use, disclose, store, protect and otherwise process personal information when you:

• Visit our website;
• Submit an enquiry;
• Use our Home Ownership Advisory Service (HOAS);
• Use our rent, EMI or homeownership calculators;
• Complete an assessment;
• Enquire about or purchase a property;
• Request Property Advisory services;
• Request banking or financing assistance;
• Communicate with our team;
• Contact us through email, phone, WhatsApp or other channels;
• Interact with our advertisements, forms or digital platforms; or
• Otherwise use our services.

This Policy should be read together with our Terms & Conditions and any service-specific or transaction-specific documents applicable to you.

---

1. Who We Are

KeyOwn Habitat is a homeownership-focused platform providing:

• Home Ownership Advisory Services (HOAS);
• Property Advisory;
• Property Sales;
• Property discovery and recommendations;
• Banking & Finance coordination;
• Financial-readiness assessments;
• Homeownership calculators;
• Property transaction support; and
• Related customer services.

The legal entity responsible for processing your personal information is:

---

2. Information We Collect

Depending on how you interact with us, we may collect different categories of information.

2.1 Identity Information

This may include:

• Full name;
• Date of birth, where required;
• Government-issued identification information where required;
• Signature or electronic confirmation;
• Other information necessary to identify you.

2.2 Contact Information

This may include:

• Mobile number;
• Email address;
• Residential address;
• Correspondence address;
• City, State, Country;
• Preferred communication method.

2.3 Homeownership and Property Information

For HOAS, Property Advisory or property-related services, we may collect:

• Current monthly rent;
• Rental history;
• Preferred property type and configuration;
• Preferred locations and property budget;
• Down-payment information and homeownership timeline;
• Family requirements and property preferences;
• Existing property ownership information, where relevant.

---

3. Financial Information

Depending on the service requested, we may collect:

• Salary or business income;
• Monthly or annual income and monthly expenses;
• Existing EMI obligations and existing loans;
• Credit-related information voluntarily provided;
• Down-payment capacity and financial commitments;
• Banking information required for a transaction;
• Loan-related information and other information reasonably required for an assessment or financing process.

Security Notice: We do not ask you to provide passwords, PINs, OTPs or other authentication credentials through ordinary website forms. Never share such credentials with anyone claiming to represent KeyOwn Habitat.

---

4. Property Transaction Information

If you enquire about, book, purchase or otherwise transact in relation to a property, we may process:

• Property selected;
• Booking and application information;
• Transaction and payment details;
• Agreement and registration information;
• Property documentation and communication records;
• Information required for legal or regulatory compliance.

---

5. Documents You Provide

Depending on the service or transaction, you may provide:

• Identity documents and address proof;
• Income documents, salary slips, and bank statements;
• Tax-related documents;
• Property documents and booking documents;
• Loan documents and other documents required for a property or financing transaction.

We use such documents strictly for the purposes for which they are collected and other lawful purposes connected with those purposes.

---

6. Website and Technical Information

When you visit our website, certain information may be collected automatically, including:

• IP address, browser type, and operating system;
• Device type and screen resolution;
• Approximate technical location;
• Pages visited, time spent on pages, and referring website;
• Date and time of access and website interactions;
• Error and diagnostic information.

This information is used for website operation, security, analytics and performance improvement.

---

7. Cookies and Similar Technologies

We may use cookies, pixels, tags, scripts and similar technologies for:

• Essential website functionality and security;
• User preferences and settings;
• Analytics and website performance measurement;
• Marketing measurement and remarketing, where applicable.

Where applicable law requires consent for non-essential technologies, we provide appropriate consent mechanisms. You may also manage cookies through your browser or device settings.

---

8. How We Collect Information

We collect information directly from you through website forms, HOAS assessments, rent/EMI calculators, property enquiry forms, booking forms, phone calls, email, WhatsApp, social-media interactions, meetings, and transaction processes. We may also receive information from authorised third parties where permitted by law.

---

9. Information Received From Third Parties

Depending on the service, we may receive information from property developers, promoters, property owners, real-estate partners, banking partners, housing finance companies, service providers, documentation partners, professional advisers, publicly available sources, and regulatory authorities where legally permitted.

---

10. How We Use Your Information

We may use personal information to:

• HOAS: Conduct assessments, understand financial readiness, prepare advisory reports, provide personalised guidance, and contact you regarding your roadmap.
• Property Advisory: Understand requirements, identify properties, provide recommendations, arrange site visits, and coordinate with partners.
• Property Sales: Process enquiries, facilitate bookings, handle documentation, coordinate with developers, and administer transactions.
• Banking & Finance: Understand financing requirements, coordinate with banking partners, facilitate loan communications, and assist with applications.
• Website & Services: Provide requested functionality, improve performance, diagnose issues, and protect our systems.
• Customer Support: Respond to enquiries, schedule consultations, provide updates, and manage relationships.
• Security & Compliance: Detect suspicious activity, prevent fraud, comply with laws, and meet regulatory, tax and accounting requirements.

---

11. Consent and Other Permitted Grounds

Depending on applicable law and circumstances, we process personal information where you have provided consent, where processing is necessary to provide a requested service or contract, where required by law, to protect rights/prevent fraud, or as otherwise permitted by law. You may withdraw consent where permitted by law.

---

12. Sharing Personal Information

We may share relevant information where reasonably necessary to provide services or comply with applicable law, including with:

• Property Partners: Developers, promoters, property owners, and authorised real-estate partners;
• Banking & Finance Partners: Banks, housing finance companies, and authorised financial institutions;
• Technology & Service Providers: Cloud hosting, CRM, communication, analytics, IT security, customer support, and payment providers;
• Professional Service Providers: Legal counsel, accountants, tax advisors, and registration facilitators;
• Authorities: Government, regulatory, law-enforcement or judicial authorities where required by law.

---

13. We Do Not Sell Your Personal Information

KeyOwn Habitat does not sell personal information to third parties as a standalone commercial data product. Where applicable law defines advertising, sharing, or disclosure activities, we comply with all applicable legal requirements.

---

14. Payment Information

Where payments are processed through third-party payment gateways, those providers process payment information under their own terms and privacy policies. KeyOwn Habitat does not collect or store full credit/debit card numbers, CVVs, card PINs, banking passwords, or OTPs.

---

15. Marketing Communications

We may send property updates, HOAS guidance, financing insights, event invitations, and promotional communications. You may unsubscribe or opt-out from promotional communications at any time. Transactional and service communications will continue where necessary.

---

16. WhatsApp and Messaging Platforms

If you communicate with us through WhatsApp or another messaging platform, that platform's terms and privacy policy apply. We may retain communication records for customer service, transaction tracking, compliance, and dispute resolution.

---

17. Phone Calls and Meetings

Where legally permitted, calls or meetings may be documented or recorded for quality assurance, training, security, transaction records, and compliance.

---

18. Automated Calculations and Profiling

Our website features automated calculators (Rent calculators, EMI tools, Affordability estimates, HOAS readiness assessments). Results are indicative and do not constitute formal loan approvals or credit decisions.

---

19. Financial and Credit Decisions

While KeyOwn Habitat assists with readiness assessments and banking coordination, all final credit decisions regarding loan approvals, interest rates, amounts, and disbursements rest solely with the lending financial institutions.

---

20. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill service delivery, complete transactions, maintain business records, meet statutory/tax obligations, resolve disputes, and enforce agreements. When no longer required, data is securely deleted or anonymised.

---

21. Data Security

We implement appropriate technical, administrative, and physical security measures designed to protect personal data against unauthorised access, loss, misuse, alteration, or destruction. Security measures include encryption, access controls, secure hosting, backups, and employee safeguards.

---

22. Data Breaches and Security Incidents

In the event of a confirmed security incident affecting personal data, we will take prompt steps to investigate, contain, remediate, notify relevant authorities and affected individuals where required by law, and prevent recurrence.

---

23. International Data Transfers

Some technology or cloud providers may process information outside India. Where international data transfers occur, we implement necessary contractual and legal safeguards in compliance with applicable data-protection laws.

---

24. Third-Party Websites

Our website may contain links to partner banks, developers, and payment gateways. We are not responsible for the privacy practices of external websites. We encourage you to review their individual privacy policies.

---

25. Children's Privacy

Our services are intended for adults legally capable of entering property and financial transactions. We do not knowingly collect personal data from children under 18 without appropriate parental or legal guardian consent.

---

26. Your Privacy Rights

Depending on applicable law and your location, you may have rights including access, correction, updating inaccurate data, deletion/erasure where applicable, withdrawal of consent, restriction of processing, data portability, and marketing opt-out.

---

27. Data Principal Rights — India (DPDP Act 2023)

Under India's Digital Personal Data Protection Act, 2023, you have rights to:

• Access a summary of your personal data being processed;
• Request correction, completion, or updating of personal data;
• Request erasure of personal data where legally applicable;
• Withdraw consent at any time;
• Register a grievance with our Data Protection Officer / Grievance Officer;
• Nominate another individual to exercise rights in the event of death or incapacity.

---

28. How to Exercise Your Privacy Rights

To exercise your privacy rights, please email us at admin@keyownhabitat.com or privacy@keyownhabitat.com with your full name, contact details, and the specific nature of your request. We will respond within the timeframe mandated by law.

---

29. Grievance Redressal

For any privacy-related grievances or escalations, you may contact our Grievance Officer:

---

30. California Privacy Rights (CCPA / CPRA)

Where California privacy law applies, eligible residents may have rights to know, access, delete, correct, opt-out of data sale/sharing, and be free from discrimination.

---

31. EEA / UK Privacy Rights (GDPR)

Where GDPR or UK GDPR applies, data subjects possess rights of access, rectification, erasure, restriction, objection, data portability, and the right to lodge a complaint with a supervisory authority.

---

32. Advertising and Analytics

We may use privacy-compliant analytics tools to understand website traffic, interaction patterns, and marketing effectiveness, offering opt-out controls where legally required.

---

33. Social Media

Interactions on social-media platforms are subject to the respective platform's privacy policy. Please do not post confidential financial or personal documentation on public channels.

---

34. Property Transaction Data

During a property purchase, relevant information is shared strictly with necessary parties (sellers, developers, banks, legal counsel, registration authorities) to execute and administer the legal conveyance.

---

35. Banking and Financial Partner Data

When you request mortgage or financing coordination, your relevant profile is shared with partner financial institutions to evaluate credit readiness and process home-loan applications.

---

36. Data Minimisation

We adhere to data minimisation principles, collecting only information that is adequate, relevant, and necessary for the stated advisory and transactional purposes.

---

37. Accuracy of Information

You are responsible for ensuring that personal and financial information provided to KeyOwn Habitat is accurate and up-to-date. You may contact us at any time to request updates.

---

38. Do Not Track Signals

We monitor industry standards regarding browser “Do Not Track” (DNT) signals and comply with applicable regulatory requirements.

---

39. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect service updates, technological changes, or regulatory developments. The latest version will always be published on this page with the updated revision date.

---

40. Contact Us

For any questions, concerns, or requests regarding this Privacy Policy or our data protection practices, please reach out to us: