How We Protect Your Information

Jammu Financiers Private Ltd. ("Company", "we", "us" or "our") respects the privacy of customers, prospective customers, website visitors and other users of our website. This Privacy Policy explains how we collect, use, disclose, retain and protect personal information when you visit our website, submit an enquiry, request a call-back, contact us or otherwise interact with our online services.

The Company will handle personal data in accordance with applicable Indian law and regulatory requirements, including the Digital Personal Data Protection Act, 2023 and applicable rules as and when their respective provisions apply, together with applicable Reserve Bank of India requirements concerning confidentiality and protection of customer information. The Company will also comply with applicable KYC/AML, tax, accounting, record-retention, fraud-prevention and other legal obligations.

Depending on how you use the website or our services, we may collect: (a) name, mobile number, email and address; (b) enquiry and product-interest details; (c) information/documents required for KYC, underwriting and regulatory compliance where you apply for a financial product; (d) account or transaction information required to provide services; (e) technical information such as IP address, browser/device information, pages visited and timestamps; and (f) cookie and similar technology information.

We may use information to respond to enquiries and complaints; provide and administer products and services; conduct KYC, AML, fraud-prevention and risk-management activities; process transactions; communicate important service, security and regulatory information; comply with law and regulatory directions; protect our systems and customers; improve website performance and user experience; and, where legally permitted and appropriately consented, send marketing communications.

Where consent is required, the Company will seek consent through an appropriate affirmative action and will provide information about the data being collected and the purpose of processing. Where applicable law permits processing without consent, information may be processed for contractual/service purposes, legal obligations, fraud prevention, security, regulatory compliance or other permitted purposes. Where consent is the applicable basis, you may withdraw it through the mechanism provided by the Company, subject to lawful processing that may continue to be required or permitted.

The Company does not sell customer personal information as a commercial commodity. Information may be shared, to the extent necessary and permitted by law, with authorised employees on a need-to-know basis; technology and other service providers; auditors and professional advisers; banks/payment providers; credit information companies and other regulated entities where permitted or required; insurers or relevant product partners; and government, regulatory, judicial or law-enforcement authorities. Service providers will be subject to appropriate confidentiality and security requirements.

The Company will maintain reasonable technical, organisational and procedural safeguards appropriate to the nature of the information and associated risks. Measures may include access controls, authentication, secure transmission, restricted employee access, vendor controls, backups, monitoring and incident-response procedures. No transmission or storage method is completely secure. Customers should never disclose passwords, PINs, CVV, OTPs or other confidential authentication credentials to unknown persons.

Personal information will be retained only for as long as reasonably necessary for the purpose for which it was collected, to provide services, establish or defend legal claims, prevent fraud, meet audit/accounting requirements, comply with applicable law and RBI requirements, or fulfil other lawful obligations. Different categories of information may therefore have different retention periods.

The website may use cookies and similar technologies for essential functionality, security, preferences and analytics. Where required, non-essential cookies will be controlled through an appropriate consent or preference mechanism. Users may also manage cookies through browser settings, although disabling certain cookies may affect website functionality.

Our website may contain links to third-party websites, payment pages, applications or services. Their privacy practices are governed by their own policies. The Company is not responsible for the privacy practices, content or security of third-party websites.

Subject to applicable law and the Company's legal and regulatory obligations, individuals may have rights relating to their personal data, including access to information about processing, correction/update of inaccurate information, withdrawal of consent where consent is the applicable basis, and grievance or complaint mechanisms. Requests should be submitted through the Company's designated privacy/grievance contact. Identity verification may be required before acting on a request.

The Company may update this Privacy Policy to reflect changes in law, regulation, technology, products or business practices. The revised version will be published on the website with an updated effective date. Users are encouraged to review this page periodically.