This Privacy Policy applies exclusively to news.quickhomeloan.in — the editorial news and article subdomain of Quick Home Loan. For the main platform including EMI calculators and bank rate tools, a separate policy applies at quickhomeloan.in. Both domains are owned and operated by Quick Home Loan, India.
1.Who We Are
Quick Home Loan is an independent educational platform operated under the domain news.quickhomeloan.in. We publish articles, guides, financial news, CIBIL tips, home loan comparisons, market updates, and personal finance content for Indian home buyers and borrowers. All content is authored and reviewed by CA Praphul Purohit, a Chartered Accountant with expertise in home finance and personal banking.
We are not a bank, NBFC, housing finance company, SEBI-registered investment advisor, or loan agent. All content on this platform is for educational purposes only. By using our website, you agree to the terms described in this Privacy Policy.
- What Information We Collect
We collect the following types of information when you use news.quickhomeloan.in:
a) Information You Provide Directly:
- Name and username when you register an account
- Email address when you register, subscribe to our newsletter, or contact us
- Password (stored in encrypted form — we cannot read it)
- Profile photo (optional, during account setup)
- Comment text and display name when you post comments on articles
- Message content when you submit our contact form
b) Information Collected Automatically:
- IP address on every page visit
- Browser type, version, and operating system
- Device type (mobile or desktop) and screen resolution
- Pages visited, time spent on each page, and articles read
- Referring website (where you came from before visiting us)
- RSS feed subscription email (if you subscribe via RSS)
c) Poll and Voting Data: When you participate in our on-site polls (for example, home loan preference polls), your response is recorded anonymously. We do not link poll votes to your personal account or identity.
d) Newsletter Subscription Data: If you subscribe to our weekly newsletter, we store your email address and subscription preferences. We track email open rates and click rates in aggregate to understand content relevance.
We do NOT collect: Aadhaar number, PAN card, bank account details, credit card numbers, loan account numbers, OTPs, or any sensitive financial credentials. We are an educational platform — not a loan application or banking portal.
- How We Use Your Information
We use the information we collect for the following purposes:
- To create and manage your registered user account on news.quickhomeloan.in
- To deliver our weekly financial education newsletter and content alerts (only if you subscribed)
- To display your name and comment on articles, and to notify you of replies
- To remember your reading preferences, bookmarks, and login session
- To understand which articles are most helpful using Google Analytics
- To display contextual advertisements through Google AdSense
- To detect and prevent spam comments, fake registrations, and abuse
- To respond to your queries and support requests submitted through our contact form
- To comply with applicable Indian laws and regulations
- To send transactional emails such as account verification and password reset notices
- Cookies and Tracking Technologies
news.quickhomeloan.in uses the following cookies:
Session Cookies: Keep you logged into your account while you browse. These are deleted when you close your browser.
Persistent Login Cookies: If you select "Remember Me" during login, a cookie keeps your session active for up to 30 days on that device.
Analytics Cookies (Google Analytics): Track page views, session duration, traffic sources, and article popularity. These are anonymised and do not identify you personally.
Advertising Cookies (Google AdSense): Used to display relevant advertisements based on your browsing interests. These are managed by Google's advertising network.
Comment Cookies: If you post a comment, a cookie may remember your display name and email for your next visit so you do not have to retype them.
Newsletter Cookies: Track whether you have already seen our newsletter subscription prompt, to avoid showing it repeatedly.
You can manage or block cookies through your browser settings. Blocking essential login cookies will prevent you from staying signed into your account. Blocking analytics or advertising cookies will not affect your reading experience.
- Your Registered Account
When you create an account on news.quickhomeloan.in, you can post comments, save articles, and manage your newsletter preferences.
As an account holder you are responsible for:
- Keeping your password confidential and not sharing it with anyone
- Ensuring your name and email address are accurate and up to date
- All activity that occurs under your account
- Logging out of your account on shared or public devices
You can update your account information at any time through your profile settings. If you request deletion of your account, we will remove your personal profile data within 30 days. Previously posted public comments may be retained in anonymised form unless you specifically request their removal.
- Newsletter and Email Communications
If you subscribe to our newsletter via news.quickhomeloan.in:
- Your email is stored securely in our newsletter platform and used only to send Quick Home Loan content
- We never sell, rent, or share your email address with any third party for marketing purposes
- Every newsletter email contains a clear Unsubscribe link at the bottom. Clicking it removes you from our list within 48 hours.
- We may send transactional emails (account verification, password reset) even if you have not subscribed to the newsletter
- We send a maximum of 2 to 3 emails per week
- Comments and User-Generated Content
When you post a comment on any article on news.quickhomeloan.in:
- Your display name and comment text are publicly visible to all visitors of that article
- Your email address is stored privately and is never publicly displayed
- Your IP address is logged for spam detection and moderation
- Comments are moderated and we reserve the right to remove any comment that violates our community guidelines
- If you request deletion of a comment, we will remove it within 7 working days
- We retain comment data as long as the article exists on our platform
- Third-Party Services We Use
news.quickhomeloan.in integrates with the following third-party services, each of which has its own privacy policy:
- Google Analytics — for website traffic and behaviour analysis
- Google AdSense — for displaying contextual advertisements
- Newsletter platform — for email subscription and delivery management
- YouTube — for embedded financial education video content
- Social media share buttons (Facebook, Twitter/X, WhatsApp) — may set their own cookies when clicked
- RSS feed services — for readers who subscribe via RSS readers
Clicking on third-party links including bank websites, RBI, NHB, or government portals takes you to external sites not covered by this policy. Always review their own privacy policies before sharing personal information.
- Data Sharing and Disclosure
We do not sell, rent, or trade your personal data to any third party. We share data only in these limited circumstances:
- With our hosting provider, email platform, and analytics tools — only to the extent necessary to operate this subdomain, and all are bound by data protection agreements
- When required by Indian law, court order, or a lawful government authority request
- To prevent fraud, protect our platform, or protect the safety of our users or the public
- In the event of a business merger or acquisition, with appropriate confidentiality protections in place
- Data Retention
Account Data: Retained as long as your account is active. Deleted within 30 days of an account deletion request.
Newsletter Subscriptions: Retained until you unsubscribe. Removed within 48 hours of unsubscription.
Comment Data: Retained as long as the article exists. Deleted on request within 7 working days.
Analytics Data: Aggregated and anonymised. Retained per Google Analytics default settings (14 months).
Server Logs (IP address, browser): Retained for up to 90 days for security and spam prevention purposes.
- Your Rights as a User
As a registered user of news.quickhomeloan.in, you have the following rights:
Right to Access: Request a copy of all personal data we hold about you. Right to Correct: Update inaccurate information via your profile settings or by contacting us. Right to Delete: Request deletion of your account and personal data. Right to Unsubscribe: Opt out of newsletters at any time using the unsubscribe link in any email. Right to Object: Opt out of personalised advertising through Google Ad Settings at adssettings.google.com. Right to Data Portability: Request a copy of your data in a commonly used format.
To exercise any of these rights, contact us through our Contact Page at news.quickhomeloan.in/contact. We will respond within 7 working days.
- Data Security
We implement the following security measures to protect your personal data:
- All data transmission is encrypted using HTTPS/SSL
- Passwords are stored using one-way hashing — we cannot read your password
- Access to user data is restricted to authorised administrators only
- Regular security audits and platform updates are performed
- Spam detection systems protect our comment sections from abuse
No internet-based system is 100% secure. In the unlikely event of a data breach affecting your personal information, we will notify affected users within 72 hours as required by applicable Indian IT laws.
Important: Never share your bank login credentials, OTPs, or loan account passwords with anyone — including through this website. We will never ask for such information.
- Children's Privacy
news.quickhomeloan.in is intended for adults aged 18 and above. We do not knowingly collect personal data from anyone under 18 years of age. If we discover that a minor has registered an account, we will delete it promptly. Parents or guardians may contact us to report this.
- Changes to This Privacy Policy
We may update this Privacy Policy periodically. When we make significant changes, we will:
- Update the Last Updated date at the top of this page
- Post a notice on our website for 7 days after the change
- Send a notification email to registered users for major changes
Your continued use of news.quickhomeloan.in after any changes constitutes your acceptance of the updated policy.
Contact for Privacy Questions: For data access requests, deletion requests, or privacy concerns related to news.quickhomeloan.in, contact us at: news.quickhomeloan.in/contact We respond within 7 working days. For the main domain privacy policy, visit: quickhomeloan.in/privacy-policy
