Security & Trust

At KeyOwn Habitat, we understand that homeownership involves sensitive personal, financial and property information. Our approach is built around protecting customer information, maintaining responsible access, and using data only for legitimate business and service purposes.

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1. Protecting Your Information

We take reasonable technical, organisational and administrative measures to protect information provided to us. Depending on the nature of the information and service, these measures may include:

• Controlled access to customer information
• Authentication and access controls
• Secure hosting environments
• System monitoring
• Data backups
• Security updates
• Internal access controls
• Vendor and service-provider controls
• Secure handling of customer documents

Security measures may evolve as our technology, services and risks change.

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2. Customer Information

We may handle information such as:

• Name and contact details
• Homeownership preferences
• Property requirements
• Income and financial information
• Loan and EMI information
• Identity and address documents
• Property-related documents
• Assessment information
• Transaction information
• Customer communications

We use this information only for legitimate purposes connected with our services, transactions, customer support, compliance and other purposes described in our Privacy Policy.

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3. Financial Information

Homeownership and financing services can involve sensitive financial information. We apply appropriate controls to information provided for:

• HOAS assessments
• Financial-readiness assessments
• Property transactions
• Banking and finance coordination
• Loan-related assistance

Important Security Rule: KeyOwn Habitat will never ask you to share your banking password, ATM PIN, UPI PIN, OTP or similar authentication credentials through ordinary customer communications. If someone claiming to represent KeyOwn Habitat asks for such information, do not provide it.

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4. Payment Security

Where payments are accepted through third-party payment providers, payment information may be processed by those providers according to their own security and privacy practices.

Customers should use only official KeyOwn Habitat payment channels communicated through verified KeyOwn Habitat representatives or official platforms.

Never send payment to a personal bank account or an unverified payment link claiming to represent KeyOwn Habitat.

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5. Document Security

Property transactions and advisory services may require customers to provide documents. These may include:

• Identity documents
• Address proof
• Income documents
• Bank statements
• Property documents
• Loan documents
• Booking documents
• Other transaction-related documentation

Access to such information is strictly limited to authorised personnel and service providers who require it for legitimate business purposes.

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6. Access Controls

Not every employee or service provider requires access to every customer record. We aim to follow a need-to-know approach, where access to information is limited according to the person's role and business requirement. Access is regularly reviewed, restricted, or removed when no longer required.

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7. Property & Banking Partners

When you request Property Advisory, property sales or Banking & Finance assistance, relevant information may need to be shared with authorised partners. This may include:

• Property developers and promoters
• Property owners and real-estate partners
• Banks and housing finance companies
• Legal professionals and documentation partners
• Other service providers involved in your requested service

Only information reasonably required for the relevant purpose will be shared. For more information, see our Privacy Policy.

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8. Third-Party Technology

KeyOwn Habitat may use verified third-party technology and service providers for functions such as website hosting, cloud infrastructure, CRM, email delivery, messaging, analytics, IT security, payment gateways, and document management. These providers process information on our behalf strictly where required to deliver their services under confidentiality standards.

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9. Secure Communication

For your protection:

• Official KeyOwn Habitat communications will always come through our verified website, official email addresses (@keyownhabitat.com), authorised phone numbers, or verified communication channels.
• If you receive a suspicious message, payment request, document request, or offer claiming to be from KeyOwn Habitat, verify it directly with us before taking action.

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10. Beware of Fraud & Impersonation

KeyOwn Habitat will NOT ask customers to provide:

• OTPs
• UPI PINs
• ATM PINs
• Internet banking passwords
• Card PINs or CVV numbers
• Account login passwords

Be cautious of anyone promising:

• Guaranteed loan approval
• Guaranteed property appreciation
• Guaranteed returns or financing
• Special offers requiring immediate payment to personal accounts
• Unofficial booking or registration charges

Always verify before making any payment or sharing sensitive personal or financial information.

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11. Security Incident Response

While no digital system can be guaranteed to be 100% immune from security threats, if we identify a security incident affecting customer information, we will take prompt and reasonable steps to:

1. Investigate the incident;
2. Contain and mitigate the issue;
3. Assess potential impact;
4. Take corrective measures;
5. Notify relevant authorities where legally required; and
6. Notify affected individuals where required by applicable law.

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12. Privacy & Data Protection

Security is only one part of protecting customer information. Our Privacy Policy explains what information we collect, why we collect it, how we use it, when we share it, how long we retain it, your applicable privacy rights under the Digital Personal Data Protection Act 2023, and how to contact us about privacy concerns.

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13. Customer Responsibility

Security is a shared responsibility. Customers should:

• Use official KeyOwn Habitat communication channels;
• Verify payment requests before transferring funds;
• Avoid sharing passwords, PINs, or OTPs with anyone;
• Keep email and mobile accounts secure;
• Avoid uploading unnecessary sensitive information;
• Report suspicious activity promptly.

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14. Report a Security Concern

If you believe you have received a suspicious communication or discovered a potential security issue involving KeyOwn Habitat, contact our security and compliance team immediately:

When reporting an issue, please provide your name, contact information, description of the issue, and relevant screenshots where safe to provide. Do not include passwords, OTPs, or PINs in your report.

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15. Our Commitment

We aim to build long-term relationships with our customers based on transparency, responsible information handling and clear communication. Your homeownership journey involves important decisions, and we believe the information you share with us should be handled with the highest level of responsibility and care.