Hello and welcome to refinanceoffersonline.com! We are a real estate information service that connects buyers and sellers in the real estate market. refinanceoffersonline.com and our subsidiaries and affiliates (collectively "refinanceoffersonline.com") give you access to a variety of services, including but not limited to the www.refinanceoffersonline.com website (the "Website") and refinanceoffersonline.com's mobile applications, as well as all of the products and services available through our website (collectively the "Services"). Locon Solutions Private Limited, a company incorporated under the laws of India, owns and operates the Website.
Our Privacy Policy is part of the refinanceoffersonline.com Terms of Service. Before using our Services, please carefully read this Privacy Policy and our Terms of Service. You agree to the terms of this Privacy Policy by using refinanceoffersonline.com's Services. Please do not use our Services if you do not agree to be bound by our Privacy Policy.
refinanceoffersonline.com is a website that provides real estate information. We use the information we collect to: To provide our Services, we use the information we collect to:
Our goal in developing this policy is to be completely transparent about the data we collect, why we collect it, and how we use it in order to make finding your new home a pleasant and enjoyable experience!
Some sections of this Policy are aimed at specific groups of people. We refer to them using specific terminology, which we define below. This Policy applies to everyone who uses our Services, but we may tailor portions of it to specific groups of users.
Users: Everyone who uses our Services is referred to as a "User."
Real Estate Professionals (REPs): "Real Estate Professionals," or "REPs," are users who have created accounts with us (free or paid) to sell or rent real estate, participate in our advertising services, and participate in other Services aimed at the professional real estate community. Landlords, agents, developers, institutional property consultants, mortgage professionals, and subscribers are all examples of REPs. As described in this Policy, we send leads to REPs on your behalf.
All visitors to our website provide us with the following information: To collect and analyse information about all users of our Services, we use technologies such as session and persistent cookies, web beacons (tiny image files on web pages that communicate information about the page viewer to the beacon owner), log data, and third-party analytics services, as do many other online services. This includes user search preferences, interaction with advertisements on our website, and location.
Our servers automatically record information generated by your use of the Services ("Log Data"). Log Data may include your IP address, browser type, operating system, the referring web page, pages visited, location, mobile carrier, device, search terms, and cookie information. When you interact with our Services, such as visiting our websites, signing into our Services, or responding to email notifications, we collect Log Data. We use Log Data to provide our Services, as well as to measure, customise, and improve them. We also collect and use Log Data in aggregate.
This Policy does not apply to, and we accept no responsibility for, any information collected by any third party while using the Website, any links on the Website, or any advertisements.
Cookies are small text files that we place on your computer. We use "session" cookies to keep you logged in while using our Services, to better understand how you interact with them, and to monitor aggregate usage and web traffic data on our Services. To recognise you when you return to our Services, we use "persistent" cookies. For example, we may set a persistent cookie containing some basic information about you, such as your most recent search and whether an agent responded to a query you sent through refinanceoffersonline.com's Services. This persistent cookie is used to remember your preferences and, if you create an account, to ensure a consistent user experience after you register.
Most web browsers accept cookies by default; however, you can change your settings or use third-party tools to refuse cookies or prompt you before accepting cookies from websites you visit. You can also delete existing cookies using your browser settings or other tools. Please be aware that if you disable cookies, some parts of our Services may not function properly for you.
We Collect Information from REPs: If you open a REP account with us, whether as a landlord, agent, developer, or subscriber, we will ask you to provide certain information in order to set up your account. We require all REPs to provide their name, company name (if available), phone number, and email address. If you create a paid REP account and become a subscriber, we will require you to submit all of the information requested from landlords and agents, as well as a campaign description. We will also collect financial information from subscribers, such as credit card information and billing addresses, in order to handle billing. If you are a subscriber, a representative from refinanceoffersonline.com may contact you to verify your information.
Additional Information About You Obtained from Third Parties: We may obtain additional information about you from third parties and use it to help agents better serve you. For example, our partners may assist us in predicting your income range and likelihood of purchasing a home. We will only share this augmented data with selected REPs (subscribers) with whom you have chosen to share information by contacting them via the refinanceoffersonline.com Services. Location Data: If you provide location information (such as a ZIP code, street address, or even just a city) during the registration process or at any other time through your account settings, we will store and associate that information with your account.
We may use and store information about your location in order to provide localised features, analyse our Services using third-party analytics services, provide you with relevant advertising and marketing materials, and otherwise improve and customise our Services.
As you use, access and navigate our Website, we collect various information, which may either be personally identifiable information or information that is not personally identifiable. This information is classified as:
“Personal Information” which means personally identifiable information like your name, your address, your age, your email address and your phone number.
“Sensitive Personal Information” which means your financial information, your passwords, any biometric, medical or health related information.
“Other Information” which means all other information other than “Personal Information” or “Sensitive Personal Information.” For example, the nature of device information, your usage patterns, your usage preferences, logs which are created when you access and use the Website, local caches on your browser, your location, ip address and the like. These are just examples and the list is by no means exhaustive.
Any personal information will be used to allow you to login to your account or to resolve specific service issues, inform you of our new services or features and to communicate with you in relation to your use of the Website. Any other information we collect will be used for-
our business purposes and this may include the viewing or advertising of residential or commercial real estate, rental properties or to use associated services;
analytical purposes, data usage;
improving the Website, or your user experience; and
providing targeted advertisements to you.
We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/action or any manner required for the purposes of protecting our rights or interests.
From time to time, we make the e-mail addresses of those who access our Website available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by emailing us at contact@refinanceoffersonline.com or call our call center at +91-8296488662.
Persons who supply us with their telephone numbers on-line may receive telephone or text message contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls or text messages, please let us know by e-mailing us at contact@refinanceoffersonline.com or call our call center at +91-8296488662.
With respect to Ad Servers: To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our Website, ad server companies may collect information such as your domain type, your IP address and clickstream information.
Non-Personally Identifiable Information (Non-PII): is information that cannot by itself be used to identify an individual person. Non-PII includes information received from the web browser, operating system, or device, including such things as information about the browser and browser settings, information about the operating system or device, the unique identifier assigned to a device, the web address of a web page visited, the name or type of mobile app, the time and date a web page or app was visited, the address of the referring web page, and other information about a web page or app. It could also include the number of times a particular browser or device has been shown a particular ad, or it may include generic categories about users and their interests (for example, “male flat buyer”). Non-PII also includes information about the precise geographic location of the device, which may be collected when the user of the device permits such collection.
Use of Non-PII: In order to provide and improve our Services and to share relevant ads with you, provide interest-based advertising (to opt out of interest-based advertising on the Platform, go to the Opt Out section below), show ads in a particular sequence, customize ads to a particular geographic region, determine when users respond to ads and reporting aggregated statistics regarding, for example, the effectiveness of online advertising campaigns we use and disclose to our advertising and analytics partners Non-PII that we collect, including cookie data, some log data, and mobile data. We also share anonymous profiles of users who view a property with REPs.
The user may CLICK BELOW to opt out of tracking Non PII on all our online properties.
Opting out of tracking on our services through this link inserts a cookie on the user’s browser. We rely on this cookie to identify an opted-out user. We will not be able to identify an opted out user, if the user
Clears the cookie from his/her browser,
Uses a different browser, Or
Uses a different computer
We will discontinue tracking activities for an opted out user. This means that we will not track an opted out user’s behaviour or display customised ads to the user. However, an opted out user may be able to view suggestions by us pertaining to marketing, branding or promotional campaigns.
I Agree, Opt me out
Direct Contact with a REP: If you fill out a form to contact a REP (or use any other contact forms available on our Website) or call a REP via our mobile site or app, we may share personally identifiable information that you share with us and information about your use of our Services with the party you wanted to contact. This may include data you input such as home search criteria or Log Data that we collect as you use the Services. If a REP wants to contact you based on the anonymized profile of refinanceoffersonline.com pages you visited, we will contact you to see if we can make that connection. Sometimes, if we are working with a third party to improve the leads we provide to our subscriber REPs, we may provide that third party with additional but limited personally identifiable information for the sole purpose of their carrying out their duty to us.
Mortgage Services: If you request a mortgage quote using our services, you authorize us to share the personally identifiable information necessary for our partners to deliver the service. They are not permitted to use the information for any other purpose.
User-Generated Content: If you use our user-generated content services, like posting a question, answer or blog on our Webite, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.
Protecting Ourselves and Our Users: We may release personal information when we believe that doing so is appropriate to comply with a legitimate law, regulation, or legal request; to enforce or apply our policies; to initiate, render, bill, and collect for amounts owed to us; to protect our rights or property; to protect the safety of our users; to address fraud, security, or technical issues; or if we reasonably believe that an emergency involving immediate danger of death or serious physical injury to any person requires disclosure of communications or justifies disclosure of records without delay.
All refinanceoffersonline.com websites including this Website fully comply with all Indian Laws applicable. refinanceoffersonline.com has always cooperated with all law enforcement inquires. refinanceoffersonline.com may disclose all or part of your personal details in response to a request from the law enforcement authorities or in a case of a bonafide requirement to prevent an imminent breach of the law.
Mobile Ad Networks and Analytics: For our mobile products, we use third-party service providers for the limited purpose of helping us analyze your mobile Log Data and location data, so that we can improve and localize our Services, show you relevant advertisements, and study the way our mobile users interact with our Website and Services.
The Accuracy and Confidentiality of Your Account Information Is Your Responsibility: You are responsible for maintaining the secrecy and accuracy of your password, email address, and other account information at all times. We recommend a strong password that you do not use with other services. We are not responsible for personal data transmitted to a third party as a result of an incorrect email address.
Third-Party Websites: Our Website may contain links to other websites. When you click on one of these links, you are navigating to another website. We do not accept liability for misuse of any information by any website controller to which we may link. We also do not have any responsibility of liability for the content on websites that use the refinanceoffersonline.com search functionality. We encourage you to read the privacy statements of these websites, which may differ from ours.
Sale/Merger: Information about our Users and our Website is a business asset of refinanceoffersonline.com. Consequently, information about our Users, including personal information, will be disclosed as part of any merger or acquisition, creation of a separate business to provide the Website, our Services or fulfill products, sale or pledge of company assets as well as in the event of an insolvency, bankruptcy or receivership in which personal information would be transferred as one of the business assets of the company.
Security: We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
Policy Changes: We may update this Privacy Policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.