L&T Financial Services- Privacy Policy

Terms of Use
The following privacy policy (“Privacy Policy”) govern your use of the website and the information accessible on or from the website of L&T Finance Holdings Limited, its affiliates and its subsidiaries (together herein referred to as “L&T Financial Services ” or “LTFS”). Please read the Privacy Policy carefully before accessing, using or submitting any material/information available on this website. By accessing any part of this website and/or submitting any information and/or using the information provided on or via this website 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:
L&T Finance Holdings Limited
Brindavan, Plot No 177,
Vidyanagari Marg, CST Road, Kalina
Santacruz (E), Mumbai 400 098

No information on this website should be construed as an offer, advertisement, prospectus, inducement, invitation or solicitation of an offer for purchase or sale of any products/services/securities/instruments etc. of LTFS. You are advised to take your consultant’s / advisers views and advice, and accordingly independently assess and take your own independent decisions without being influenced by the views and opinions of the authors. Investments in financial products/services/securities/instruments inherently involve risks and you should consult your legal, tax and financial advisors before investing. Past performance is not a guide/ indicative of future returns and may not necessarily provide a basis for comparison with other investments. The value of investments and income from them may go down as well as up and an investor may not get back the amount invested. Reference to individual companies or other investments is included solely for the purpose of illustration and should not be taken as a recommendation.
No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of information appearing on this web site; LTFS cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in or on, any information appearing on this website. LTFS does not testify/confirm the authenticity of the data mentioned in this website and you are strictly advised to rely on your own independent investigations and take your own professional advice.

RBI Disclaimer
The Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of LTFS or for the correctness of any statements or representations made or opinions expressed by LTFS and for discharge of its liability.

NHB Disclaimer
The National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of LTFS, or for the correctness of any of the statements or representations made or opinions expressed by LTFS, and for repayment of liabilities by LTFS.

All rights, title and interest (including, but not limited to all copyrights, trademarks, and other intellectual property rights, if any) in this website 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 LTFS. You hereby agree that the information on the website 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 (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 LTFS (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 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 may be reproduced, republished, copied, transmitted or distributed in any form or by any means without written permission of LTFS.
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 LTFS.
You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without LTFS' written permission. LTFS neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Information Use by LTFS
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 LTFS may use the above said user information to provide, maintain, protect, and improve the services (including advertising and personalization on the website) and for developing new services. We 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 customercare@ltfs.com for Two Wheeler, Farm Equipment & Micro Finance and customerservice@ltfs.com 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 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 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. LTFS 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).
LTFS 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 LTFS. LTFS can further disclose your name, street address, city, state, zip 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/ applications
As a convenience and/or to provide services, this website may contain links to other websites/ applications operated by third parties that are not controlled by, or affiliated or associated with LTFS. 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 LTFS of the site, the site's provider, or the information on the website/ application.
The third party websites/ applications may also contain links to external websites/ applications, having further linked websites/ applications, controlled or offered by third parties (Non-Affiliates of LTFS), in order to help you find relevant websites/ 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/ applications or any quality of the products/ services are not endorsed, verified or monitored by LTFS. LTFS is also not responsible for the owners or operators of such external websites/ applications or for any products or services they supply or for the contents of their websites/ 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/ application to which this website 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: gro@ltfs.com
For Home Loans: gro@lthousingfinance.com
For Infra Bond: investorgrievances@ltfs.com
For Mutual Fund: iro@lntmf.co.in

Force Majeure
LTFS shall not have any liability for any interruption or delay, to access the website 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
LTFS 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 LTFS may do so in its sole discretion. You also agree that LTFS will not be liable to you for any modification, suspension, or discontinuance of the services.
LTFS 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 LTFS be liable to any users of this website 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 LTFS 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, resulting from or arising in connection with the use of or the inability to use this web site 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

LTFS 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 or your downloading of any materials, data, text, images, video, or audio from this website.

LTFS reserves the right to change the information provided on or via this website, including the terms of this Privacy Policy, at any time and without notice. However, LTFS shall not undertake to update the content contained on this website from time to time. It is recommended that you review the information provided on or via this website periodically for changes. LTFS 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.

Software Licenses
You acknowledge that any software which may be available or provided to you on this website 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. LTFS does not authorize the downloading or exportation of any software or technical data from this website 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 or violation of the trademark and copyright rights of LTFS, this Privacy Policy and any use or access of this website 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 LTFS as your preferred finance partner. Before getting started, just give us a moment to explain why we need the permissions on the app.

To collect and monitor only financial transaction SMS which includes name of transacting party, a description of the transaction and transaction amount for the purpose of performing a credit risk assessment. This credit risk assessment enables faster and quicker loan approval and subsequent disbursal. No personal SMS are accessed, read or collected.

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

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 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.

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 LTFS, are extremely careful about your privacy and will always strive to provide you the best in class service.
Android classifies certain permissions’ protection level as dangerous for which we seek your explicit permission for Android OS versions 6.0 and above. For Android OS versions 6.0 and below they are granted by default.

Speak to us
Speak to us

 a.)  For Investors

Toll-free number - 1800 4190 200/
1800 2000 400

Timing – 9AM to 6PM (Mon-Fri)

               9AM to 1PM (Saturday)

Email id – investor.line@lntmf.co.in


 b.)  For Distributors

Phone number - 1800 4199 800/3030 9800

Timing – 9AM to 6PM (Mon-Fri)

               9AM to 1PM (Saturday)

Email id – partner.line@lntmf.co.in

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