Ace - Digital Onboarding Platform


1. Introduction

The Terms and Conditions written here shall manage your use of this website ( or mobile applications. These will be applied fully and affect to your use of this Website or mobile Applications. By using this, you agreed to accept all terms and conditions written here. You must not use, if you disagree with any of these Terms and Conditions. Use of this website or mobile application shall entirely be at your cost & consequences.

Minors or people below 18 years old are not allowed to use this Website or Mobile Applications.

2. Intellectual Property Rights

Other than the content you own, under these Terms, PNB Housing Finance Ltd and/or its licensors own all the intellectual property rights and materials contained.

You are granted limited license only for purposes of viewing the material contained on this Website or Mobile Applications to perform the actions facilitated by PNB Housing Finance Ltd.

3. Restrictions

You are specifically restricted from all of the following including but not limited to:

  • Publishing any material in any other media;
  • Selling, sublicensing and/or otherwise commercializing any material;
  • Publicly performing and/or showing any material;
  • Using this Website in any way that is or may be damaging to Website or Mobile Applications;
  • In any way that impacts user access to this Website or Mobile Applications;
  • Using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website or Mobile Applications, or to any person or business entity;
  • Engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website or Mobile Applications;
  • Using this Website or Mobile Applications to engage in any advertising or marketing.
  • Using this Website or Mobile Applications to engage in any advertising or marketing.

Certain areas of this Website are restricted from being access by you and PNB Housing Finance Ltd may further restrict access by you to any areas of this Website, at any time, in absolute discretion. Any user ID and password you may have for this Website or Mobile Applications are confidential and you must maintain confidentiality as well.

4. Your Content

In these Terms and Conditions, "Your Content" shall mean any audio, video text, images or other material you choose to display on this Website. By displaying Your Content, you grant PNB Housing Finance Ltd a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be invading any third-party's rights. PNB Housing Finance Ltd reserves the right to remove any of Your Content from this Website at any time without notice, at its sole discretion.

5. No warranties

This Website or Mobile Applications is provided "as is," with all faults, and PNB Housing Finance Ltd express no representations or warranties, of any kind related to this Website or the materials contained. Also, nothing contained on this Website or Mobile Applications shall be interpreted as advising you to do or to forbear from doing anything

6. Limitation of liability

In no event, shall PNB Housing Finance Ltd, nor any of its officers, directors and employees, shall be held liable (directly or indirectly) for anything arising out of or in any way connected with your use of this Website or Mobile Applications whether such liability is under contract or tort.PNB Housing Finance Ltd, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website or Mobile Applications.

7. Indemnification

You hereby indemnify to the fullest extent PNB Housing Finance Ltd from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

8. Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

9. Variation of Terms

PNB Housing Finance Ltd is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis. Such revisions shall be binding on you.

10. Assignment

The PNB Housing Finance Ltd is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

11. Entire Agreement

These Terms constitute the entire agreement between PNB Housing Finance Ltd and you in relation to your use of this Website or Mobile Applications, and supersede all prior agreements and understandings.

12. Governing Law & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of India, and you submit to the exclusive jurisdiction of the state and federal courts located in DELHI for the resolution of any disputes.


This Privacy Policy governs the manner in which PNB Housing collects, uses, maintains and discloses information collected from users (each, a "User") of the website ("Site") or Mobile Applications. This privacy policy applies to the Site and all products and services offered by PNB Housing.

1. Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site related activities.

2. Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, geo-coordinates and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

3. Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

4. How we use collected information

PNB Housing may collect and use Users personal information for the following purposes:

  • To improve customer service Information you provide helps us respond to your service requests and support your needs more efficiently.
  • To process payments We may use the email address to respond to their inquiries, questions, and/or other requests.
  • Any other purpose as required by PNB Housing Finance Ltd.

5. How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

6. Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

7. Changes to this privacy policy

PNB Housing has the sole discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

8. Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contact us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

  • PNB Housing Finance Ltd.
  • Address: 9th Floor, Antriksh Bhavan,
  • 22 Kasturba Gandhi Marg,
  • Near Connaught Place,
  • New Delhi 110001

This document was last updated on June 1, 2020

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