Privacy Policy
Thank you for using HomePe. Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your information when you use the HomePe mobile application ("App").
Introduction
HomePe Technologies Private Limited ("HomePe", "we", "us" or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you use the HomePe mobile application (Android & iOS) and our website www.homepe.app (collectively, the "Services"). By accessing or using the Services, you agree to the practices described below. If you do not agree, please do not use the Services.
1. Who We Are
• Legal entity: HomePe Technologies Private Limited
• Registered address: No 4/147‑12, KNR Building, Thiruchendur Main Road, Muthiahpuram, Thoothukudi 628 005, India
• Contact email: support@homepe.app
• Telephone: +91 81221 27157
• Primary product: HomePe app – helps Indian homeowners repay home loans faster through pre‑payment and SIP simulations.
2. Information We Collect
2.1 Information You Provide Directly
• Account identifiers – your name, email address and mobile number.
• Financial profile – PAN, income range, loan principal, EMI amount, interest rate and tenure.
• Voluntary inputs – savings goals, investment preferences, feedback messages and support queries.
• Optional future uploads (with explicit consent) – home‑loan statements, bank statements or identity proofs.
2.2 Information Collected Automatically
• Device data – device model, operating‑system version, unique device identifiers and IP address.
• Usage data – screen interactions, simulation parameters, crash logs and performance metrics.
• Location data – approximate location generated from IP, or precise GPS if you grant permission for regional customisation.
2.3 Information From Third Parties
• Analytics and attribution platforms (Firebase, Google Analytics, Mixpanel).
• Financial market APIs to obtain mutual‑fund NAVs.
• Social‑login providers (Google / Facebook) if you choose to sign in that way in future versions.
3. How We Use Your Information
1. Create and maintain your account and authenticate log‑ins.
2. Analyse your loan and generate personalised pre‑payment or SIP strategies.
3. Send notifications, reminders and essential service messages.
4. Improve, test and debug the Services through aggregated analytics.
5. Conduct marketing and promotional outreach only when you opt in.
6. Detect, investigate and prevent fraud or abuse.
7. Comply with legal obligations and enforce our Terms of Use.
4 Legal Bases for Processing
We rely on the following lawful grounds under Indian law (and, where relevant, GDPR terminology):
• Consent – for marketing communications, precise‑location access and future sensitive‑document uploads.
• Contract performance – to provide core loan‑analysis features you request.
• Legitimate interests – to secure, improve and develop the Services.
• Legal obligation – to comply with laws, tax and regulatory requirements.
5. When and With Whom We Share Data
• Service providers – secure cloud hosting (AWS India), analytics, customer‑support and notification platforms.
• Financial partners – SEBI‑registered mutual‑fund platforms; we share only fund identifiers and amount, not your KYC documents.
• Professional advisers and authorities – auditors, lawyers, regulators or law‑enforcement when required.
• Corporate transactions – merger, acquisition or fundraising, subject to confidentiality agreements.We never sell or rent your personal data to third parties.
6. Third‑Party Websites
Our Services may link to external sites (for example, mutual‑fund houses). We are not responsible for their privacy practices. Please review their policies before providing any personal information.
7. Cookies and Tracking Technologies
Our website uses cookies, pixels and local storage to keep you signed in, remember preferences and measure traffic. You can disable cookies in your browser, although some features may not work. The mobile app uses device identifiers instead of cookies; you can reset your advertising ID or disable analytics in the app settings.
8. Social Logins (Future Feature)
If you choose to sign in with Google or Facebook, we will receive your basic profile (name, email, profile photo) and use it solely to create your HomePe account. You can revoke access in your social‑media account settings at any time.
9. International Transfers
Our primary servers are located in Mumbai, India. We do not routinely transfer personal data outside India. If future disaster‑recovery backups require cross‑border storage, we will use encryption and contractual safeguards before any transfer.
10. Data Retention
• Your account data is retained while your account remains active.
• Analytics logs are stored for up to 24 months.
• Back‑ups containing deleted‑account data are purged within 30 days.
• Marketing‑opt‑out (suppression) lists are kept for up to 5 years to honour your preferences.When data is no longer needed, we securely delete or anonymise it.
11. Keeping Your Data Safe
• 24 × 7 monitoring and incident‑response procedures; we will notify affected users within 72 hours of a confirmed breach.
12. Your Privacy Rights
• Access and portability – request a copy of your personal data (JSON/CSV).
• Rectification – correct inaccurate or incomplete information.
• Deletion – delete your account and associated data within the app or by email.
• Withdraw consent – opt out of marketing or precise‑location sharing at any time.
• Grievance redressal – contact us; unresolved issues may be escalated to the future Indian Data Protection Board.We respond to verified requests within 15 calendar days.
13. Do‑Not‑Track
We honour browser Do‑Not‑Track signals on our website by disabling behavioural advertising. In the mobile app you can turn off analytics from the Privacy settings page.
14. Updates to This Policy
We may revise this Privacy Policy to reflect changes in law or our practices. Material changes will be announced by email or in‑app notification at least 7 days before they take effect. The "Last updated" date at the top will always show the newest version.
15. Contact Us
HomePe Privacy
TeamEmail: support@homepe.app
Phone: +91 81221 27157Postal: No 4/147‑12, KNR Building, Thiruchendur Main Road, Muthiahpuram, Thoothukudi 628 005, India
16. Review, Update or Delete Your Data
• Open the HomePe app → Settings → Delete Account to erase your data instantly.
• Alternatively, email support@homepe.app from your registered address. We will verify your identity (via registered email or OTP) and complete the request within 7 business days.
