Privacy Policy

1. Introduction

At Habib Rafiq (Pvt.) Ltd. ("HRL Housing", "we", "us", or "our"), we respect your privacy and are committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

2. Information We Collect

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: includes first name, last name, username or similar identifier, title.
• Contact Data: includes billing address, delivery address, email address and telephone numbers.
• Payment and Transaction Data: includes payment amount, currency, date, transaction reference, payment status, and limited account details supplied by the payment service provider. HRL Housing does not request or store your card PIN, CVV, wallet PIN, or full card number.
• Technical Data: includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform.
• Usage Data: includes information about how you use our website, products and services.

3. How We Use Your Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Where we need to perform the contract we are about to enter into or have entered into with you.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal obligation.

4. Online Payments and Payment Providers

When you make an online payment, payment credentials are entered on secure systems operated by our authorized payment service provider and relevant financial institutions. They process those credentials under their own privacy and security terms. We receive only the information needed to confirm, reconcile, support, or refund the transaction.

We may share necessary identity, contact, booking, and transaction information with payment processors, acquiring banks, card networks, wallet providers, fraud-prevention services, professional advisers, regulators, or authorities where required to provide the service, protect a transaction, or comply with law. We do not sell personal information.

5. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.

6. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent.

7. Contact Us

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

Habib Rafiq (Pvt.) Ltd. — HRL Housing
House No. 253-D, Northern Bypass, Near Nigana Chowk, Multan, Pakistan
Email: info@hrlhousing.com
Phone: +92-31-111-444-32 or +92-31-134-111-69