Privacy Policy

Welcome to Mera Ghar Mera Ashiana (https://meragharmeraashiana.pk/). We are a dedicated information portal for the Mera Ghar Mera Ashiana Loan Scheme, an initiative supervised by the State Bank of Pakistan (SBP). Our mission is to help low and middle-income families in Pakistan achieve their dream of homeownership by providing clear, accessible information.

جوائن وٹس ایپ چینل

We understand that your privacy is as important as your dream home. This Privacy Policy is a detailed, transparent document that explains how we collect, use, protect, and handle your personal information when you use our website. We have written it in simple, easy-to-understand English to ensure you are fully informed and comfortable.

By using our website, you consent to the data practices described in this policy.

1. Information We Collect: What Do We Gather and Why?

We collect information to provide you with a better service, to help you understand the loan scheme, and to improve your overall experience on our site. The information we collect can be broken down into two categories:

A. Personal Information You Provide Voluntarily
This is information that you knowingly give to us. Examples include:

  • Contact Forms: When you fill out a “Contact Us,” “Get Eligibility Criteria,” or “Request a Callback” form, we may ask for your name, email address, phone number, city, and approximate income bracket.
  • Newsletter Sign-ups: If you choose to subscribe to our newsletter for updates on the scheme, we collect your email address.
  • Comments: If you leave a comment on our blog or articles, we collect the data shown in the comments form, your IP address, and browser user agent to help with spam detection.

B. Non-Personal Information Collected Automatically
Like most websites, we automatically collect certain technical information when you visit. This information does not reveal your specific identity.

  • Log Data: Your browser automatically sends information when you visit our site. This “Log Data” includes your computer’s Internet Protocol (IP) address, browser type and version, the pages of our site that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
  • Cookies and Tracking Technologies: We use “cookies” and similar tracking technologies to track activity on our website and hold certain information. Cookies are small text files stored on your device. They help us:
    • Remember your preferences and settings.
    • Understand how you use our site, allowing us to improve its functionality and content.
    • Gather analytics data to measure traffic and user trends.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

2. How We Use Your Information

We use the information we collect in various ways, including to:

  • Provide, Operate, and Maintain Our Website: To ensure our website runs smoothly and is available to you.
  • Respond to Your Inquiries: To answer your questions about the Mera Ghar Mera Ashiana scheme, eligibility, and application process.
  • Send You Updates: To send you informational emails about changes to the scheme, new guidelines from SBP, or important deadlines (only if you have opted-in).
  • Improve User Experience: To analyze how our visitors use the site so we can enhance its content, layout, and navigation.
  • Prevent Misuse: To detect, prevent, and address technical issues, security threats, or potential fraud.

Crucial Note: meragharmeraashiana.pk is an information website. We are NOT the State Bank of Pakistan (SBP) or a participating bank. We do not process loan applications or make lending decisions. The personal information you provide on our site (e.g., through a contact form) is solely used to guide you and connect you with relevant information. The actual loan application and its sensitive financial data will be handled directly by the participating banks/financial institutions, which have their own strict privacy policies compliant with SBP regulations.

3. How We Share Your Information

We value your trust and are committed to keeping your information confidential. We do not sell, trade, or rent your personal identification information to third parties.

We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners and advertisers for the purposes outlined above.

We may share your information only in the following limited circumstances:

  • With Your Consent: We will share your personal information with third parties when we have your explicit consent to do so. For example, if you request to be connected with a specific bank, we may share your contact details with them.
  • For Legal Reasons: We may disclose your information where required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

4. How We Protect Your Information

The security of your data is paramount. We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your information.

  • SSL Encryption: Our website uses SSL (Secure Sockets Layer) technology, which encrypts data transmitted between your browser and our server. You can see this as a padlock icon in your browser’s address bar.
  • Administrative Safeguards: Access to your personal information is restricted to a limited number of authorized personnel who are required to keep the information confidential.
  • Regular Security Reviews: We regularly review our data collection, storage, and processing practices to guard against unauthorized access.

5. Third-Party Services and Links

Our website may contain links to other sites that are not operated by us. This includes the official SBP website, websites of participating banks (like HBL, UBL, etc.), and other relevant government portals.

Please be aware that we have no control over the content and practices of these sites. We are not responsible for the privacy policies or practices of any third-party sites or services. We strongly advise you to review the Privacy Policy of every site you visit, especially before submitting any personal information to a participating bank for a loan application.

6. Your Data Protection Rights

We believe you should have control over your personal data. Under applicable laws, you have the right to:

  • Access: You can request copies of your personal data that we hold.
  • Rectification: You can request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
  • Erasure: You can request that we erase your personal data, under certain conditions.
  • Restrict Processing: You can request that we restrict the processing of your personal data, under certain conditions.
  • Object to Processing: You can object to our processing of your personal data, under certain conditions.
  • Data Portability: You can request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us using the details provided at the end of this policy.

7. Cookies Policy

We use cookies to improve your experience. The types of cookies we use include:

  • Essential Cookies: Necessary for the website to function and cannot be switched off.
  • Analytics Cookies: (e.g., Google Analytics) These allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages are the most and least popular.
  • Functionality Cookies: These enable the website to provide enhanced functionality and personalization.

You can choose to disable cookies through your individual browser options. For more detailed information about cookie management with specific web browsers, visit the respective browsers’ websites.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date at the top.

We will not reduce your rights under this Privacy Policy without your explicit consent. We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the data we hold about you, please do not hesitate to contact us. We are here to help.

Email: privacy@meragharmeraashiana.pk

Thank you for trusting Mera Ghar Mera Ashiana with your information. We are here to help you build your dream home.