• Usage Policy
  • Privacy policy
Privacy Policy

User’s confidentiality and privacy are of utmost concern to LICHFL. We respect your need to understand how information is being collected, used, disclosed, transferred and stored. Thus we have developed below Privacy policy to familiarize you with our practices.

Collection of personal information

You may be asked for personal information anytime you are in contact with LICHFL directly or indirectly through a third party.

When you take any Loan or are appointed as agents or advocates to our company on contract in such cases user data is collected.

Use of personal information

The personal information collected is primarily for user verification and authentication as per company’s rules and policy. The personal information we collect at the time of providing loan helps us to contact you to update about the loan status.

Also Personal information of agents is used to update agents about the process to be followed, ongoing competition and make payments to agents etc.

We may also use the personal information to improve our product offering, develop, and deliver products, services, content and advertising.

We may use personal information to send you important notices and communications regarding our products and services availed or changes to the terms and conditions and policies.

Personal information may also be used internally for research, analysis and auditing.

By using this website/mobileapp/customer portals you authorize us to contact you via email or phone on your contact details provided above and offer you information and services for the product you have opted for. You authorize us to call you for the mentioned irrespective of whether you are registered with the NDNC registry.

Collection and use of non-personal information

The data collected in non-personal manner which does not identify a particular user may be used in any manner. Below are some typical examples of how we collect and use information.

We may collect information such as browser, operating system, occupation, language, pin code, unique device identifier, location so that we can better understand customer behavior and improve our products, services, and advertising.

We may collect information regarding customer activities on various portals of LIC housing Finance Ltd. This aggregated information is used in research, analysis and monitor products and various promotional schemes. It may be shared in aggregated, non-personal form with third party to enhance customer experience, products offering or services.


We may disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary to (a) conform to the edicts of the law or comply with legal process served on LIC Housing Finance Ltd or the site; (b) protect and defend the rights or property (c) act under exigent circumstances to protect the personal safety of users of LICHFL, the site or the public.

Protection & Security

To protect your personal information and prevent unauthorized access, we have put in place appropriate security measures and certifications. We have SSL site and user should use it to protect the information transmission while transacting online.

While no system is full-proof, including ours, we will continue using internet security procedures to ensure your data remains safe with us.

By opening, browsing, using this site for transactions or storing any data/information, you agree to comply with the latest revised privacy policy in effect at such time.

If you use some social networking or other service which maintains your information, it is governed by their terms of use and privacy policy.

Access to Personal Information’s

You can help ensure that your contact information and preferences are accurate, complete, and up to date by logging in to your account.

Third-Party Sites and Services

LIC housing finance, its contractors, agents, owners, and employees are not responsible for the content or the privacy policies of other web sites to which this site may link to. Please take time to learn about them as well.

Our Privacy Policy undergoes revision from time to time. We may also make changes to the policy at such time. To make sure you have the access to latest version of Privacy policy, Kindly check/review this page periodically.

If at any time you believe that LIC Housing Finance has not adhered to above principles/policy, please notify us by e-mail at customersupport@lichousing.com and we will use all commercially reasonable efforts to promptly determine and correct the problem.

Refunds & Cancellation

Any incomplete transaction will be reversed by the service provider to the originating source account from where money is debited. LIC HFL will not be responsible for any charges levied by the customer’s Bank or service provider for such transaction.

In case of late confirmation from the service provider or payment gateway integrator, amount will be accounted towards your dues at the end of the day after receiving confirmation from the service provider.

In case of multiple payment or when there is no dues available for the appropriation as on date of accounting towards your loan
  a.  The amount received in excess will be parked in suspense (excess account) towards the same loan account for adjustment of future dues.
  b.  Any request for refund will be entertained by the LIC HFL Home Branch (from where loan is availed) only.

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