Privacy Policy

Hanoch Financial Technologies Private Limited ("Butter Money", "we", "us", or "our") is committed to protecting your privacy. This privacy policy explains how we collect, use, disclose, and safeguard your information when you use our services ("Services"), including our website https://www.butter.money/ and any related sales, marketing, or events. Please read this privacy policy carefully to understand our views and practices regarding your personal data and how we will treat it.

1. INFORMATION WE COLLECT

Personal Information Provided by You:

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, participate in activities on the Services, or otherwise contact us. This information may include:

• Names
• Phone numbers
• Email addresses
• Mailing addresses
• Job titles
• Contact preferences
• Usernames
• Contact or authentication data
• Billing addresses

Financial Documents and Information Provided by You:

We collect financial documents and information that you voluntarily provide to us when you apply for home loan services or express interest in our financial products. This information may include:

• Income Tax Returns (ITRs)
• Bank statements and transaction records
• Salary certificates and employment documents
• Form 16 and other tax documents
• Credit reports and financial statements
• Property and investment documentation
• Income and employment verification documents
• Asset and liability statements

Information Automatically Collected:

When you visit, use, or navigate our Services, we may automatically collect information that does not reveal your specific identity, such as:

• IP address
• Browser and device characteristics
• Operating system
• Language preferences
• Referring URLs
• Device name
• Location
• Information about how and when you use our Services
• Other technical information

We use this information primarily to maintain the security and operation of our Services and for our internal analytics and reporting purposes.

2. HOW WE USE YOUR INFORMATION

We process your information to:

• Facilitate account creation and authentication
• Deliver and facilitate delivery of services to the user
• Profile your creditworthiness and financial capacity
• Generate personalized loan offers and recommendations
• Share relevant financial information with lending partners for loan evaluation
• Fulfill and manage orders, payments, returns, and exchanges
• Respond to user inquiries and offer support
• Send administrative information and updates
• Enable user-to-user communications
• Protect our Services through security and fraud prevention measures
• Evaluate and improve our Services, products, marketing, and your experience

3. SHARING YOUR INFORMATION

We may share your information in the following situations:

With Lending Partners:

We may share your personal and financial information with lending partners and financial institutions to facilitate loan processing and provide you with competitive loan offers. This includes:

• Banks and Non-Banking Financial Companies (NBFCs)
• Housing Finance Companies
• Credit assessment agencies
• Loan processing partners

With Service Providers:

We may share your data with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. These third parties include:

• Data Analytics Services
• Communication and Collaboration Tools
• Data Storage Providers
• Payment Processors
• Sales and Marketing Tools

For Legal Reasons:

We may disclose your information to comply with applicable law, regulations, legal processes, or governmental requests.

International Data Transfers:

Your information may be transferred to and processed in countries other than your country of residence, including countries that may have different data protection laws. When we transfer your personal information internationally, we implement appropriate safeguards to ensure your data remains protected in accordance with this privacy policy and applicable data protection laws.

4. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar tracking technologies to access or store information. You can manage your cookie preferences through your browser settings.

5. DATA SECURITY

We implement appropriate technical and organisational security measures to protect your personal information. However, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

6. DATA RETENTION

We retain your personal information only as long as necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law.

7. YOUR PRIVACY RIGHTS

You have the right to access, correct, update, or delete your personal information. You may also withdraw your consent to the processing of your personal data at any time, and opt-out of marketing communications by following the unsubscribe link in the emails or contacting us directly at [email protected]

8. CHILDREN’S PRIVACY

Our Services are not directed to individuals under 18. We do not knowingly collect personal data from children under 18.

9. UPDATES TO THIS POLICY

We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page.

10. CONTACT US

If you have any questions or concerns about this privacy policy or our practices, please contact us at:

Hanoch Financial Technologies Private Limited

Email: [email protected]

Address: 1318, 3rd Floor, 24th Main Road, Sector 2, HSR Layout, Bengaluru, Karnataka - 560102 India