We value your privacy at Jaipur Capital

1. INTRODUCTION

1.1. Welcome to Jaipur Capital, your Trusted Partner in Financial Empowerment. This Privacy Policy (“Policy”) outlines our commitment to safeguarding the personal data you choose to share with us as you engage with our services on www.jaipurcapital.in. Throughout this document, the website is referred to as the "Platform."

1.2. Our array of services, aptly named "Services," is designed to empower your financial journey through personalized lending and training solutions. As you explore our offerings, it's crucial to align this Policy with our Terms and Conditions, available at https://jaipurcapital.in/terms-conditions, for a comprehensive understanding of our practices. We prioritize transparency and trust, striving to provide a secure environment for your financial interactions.

1.3. At Jaipur Capital, we are committed to preserving the privacy of your personal data. Take a moment to carefully review this Policy, as it outlines our approach to handling the personal data we collect from you or that you provide to us. This Policy serves as the cornerstone for the processing of any personal data entrusted to us.

1.4. By consenting to the processing of your personal data, you acknowledge that we will gather, store, use, and disclose your personal data in accordance with the principles outlined in this Policy.

2. THE DATA WE COLLECT ABOUT YOU

2.1. We responsibly gather, transmit, and store minimal personal data about you on our secure Jaipur Capital server (https://jaipurcapital.com) with your consent, specifically for the provision of Services. It is crucial to note that we limit our collection and processing to the necessary information required for delivering these Services. This personal data encompasses:

A.) Identity and Profile-related Data: This includes your first and last name, parents’ names, date of birth, gender, photographs, educational qualifications, loan purpose, house ownership, employment status, company name, contact information (addresses, email IDs, and phone numbers), and marital status.

B.) KYC Data: This involves government-issued identification documents such as Aadhaar, PAN card, voter ID, etc.

C.) Transaction Data: Details of transactions occurring through the Platform or in connection with the Services, such as services sought or availed, and confirmations of such services.

D.) Data from SMSs:With your approval, transactional SMS data is gathered from your phone on our secure Jaipur Capital server (https://jaipurcapital.com) to verify and analyze your financial position, cash flow, credits, income, and spending patterns. Importantly, no personal SMS account details are collected, read, or stored.

E.) Financial Data: This includes your past credit history, income details, details of loans issued or applied for through the Platform, payments, repayments, and bank account details, including bank account statements.

F.) Device Data: Involves IP addresses, browser types, time zone settings, operating systems, and device information, collected for data analytics and stored on our secure Jaipur Capital server (https://jaipurcapital.com).

2.2. Privacy Measures:

We respect your privacy by refraining from accessing your mobile phone resources, such as contact lists, call logs, telephony functions, and files & media (except for disclosed document uploads). We do not collect biometric data. However, explicit consent may be sought to access your camera, microphone, location (fine and coarse GPS data), or other facilities solely for onboarding or KYC checks. All collected data is transmitted and securely stored on our Jaipur Capital server (https://jaipurcapital.com).

2.3.  Data Necessity:

The collection of your personal data is crucial to provide you access to the Platform and Services. In specific instances, legal requirements or Terms may mandate the collection of personal data. Failure to provide requested data in a timely manner may impede our ability to fulfill obligations under the arrangement with you or establish potential arrangements (e.g., providing essential features of the Services). In such cases, access to the Services, or parts thereof, may be canceled or restricted.

3. HOW WE COLLECT DATA ABOUT YOU

3.1. Collection Methods:

A.) Information You Provide Us:This includes data (identity, contact, KYC, financial, and device data) that you willingly provide when using our Services or corresponding with us (e.g., through email, chat, or the Platform). It encompasses details shared during registration or while utilizing specific Platform features.

B.) Information We Collect About You and Your Device:

Every time you visit the Platform or utilize the Services, we automatically collect personal data through tools like cookies.

C.) Information We Receive from Other Sources:

We obtain personal data about you from diverse third parties and public sources, including our third-party associates, Google Analytics for advertising and user analytics, and other publicly accessible sources. This information is used for conducting fraud checks, improving the Services, and offering the credit products most suitable for you.

3.2. Publicly Available Data:

It's important to note that we have no control over personal data you choose to make publicly available. For instance, if you post reviews, comments, or messages on public sections of the Platform or on an application store (e.g., the Play Store), you do so at your own risk. We are not liable for any third-party misuse of such data.

4. HOW WE USE YOUR PERSONAL DATA AND FOR WHAT PURPOSES

4.1. We commit to using your personal data in compliance with applicable laws. Primarily, we utilize your personal data to provide you with the Services or when obligated to meet legal requirements.

4.2. By using our Services and creating an account on the Platform, you authorize us, our associate partners, and affiliates to contact you via email, phone, or other means concerning the Services. This includes, but is not limited to, educating you on available credit products, providing customer support, and addressing grievances/disputes related to the Service or the credit product you have availed. Additionally, this authorization extends to collection services offered to the Lender for the credit facilities availed by you.

4.3. In general, we utilize your personal data for the following purposes and activities undertaken without direct human supervision or control:

A.) To register you as a user of the Platform;

B.) To provide you with the Services;

C.) To communicate details of the products and services as requested by you or process queries raised by you on the Platform;

D.) To facilitate your KYC as per the instructions of the Lender;

E.) To facilitate your application to avail a loan and otherwise in connection with your obtaining of credit facilities from regulated entities, including our lending partners;

F.) To manage our relationship with you, including notifying you of changes to any Services;

G.) To administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations;

H.) To send you communication, including through WhatsApp business messages, in relation to your use of the Platform or Services;

I.) To conduct data analytics, monitor trends for the improvement of the App and Services;

J.) To enhance our business and delivery models;

K.) To perform obligations arising from the arrangement we are about to enter or have entered with you;

L.) To enforce our Terms;

M.) To undertake marketing services, including sending promotional messages in relation to Services offered by us presently or in the future;

5. HOW WE SHARE YOUR PERSONAL DATA

5.1. Agreement on Information Sharing:

You acknowledge and agree that any information related to you, whether directly provided by you (via the Services or otherwise), including personal correspondence like emails and instructions, may be collected, compiled, and shared by us with third parties. This sharing occurs only after obtaining your explicit consent, solely for the purpose of providing Services to you, particularly in connection with loan applications and your loan journey. This may involve, but is not limited to, sharing with Lenders (as defined in the Terms), storage providers, data analytics providers, consultants, lawyers, and auditors. Additionally, we may share this information with other entities in the Jaipur Capital group for the mentioned purposes. Failure to provide consent for data sharing, when requested, may impede our ability to fulfill obligations under the existing arrangement or the potential arrangement we seek to establish with you. Consequently, we may be unable to provide the Services to you.

5.2. Acknowledgment of Terms:

By utilizing our Services and creating an account on the Platform, you acknowledge and agree to authorize us, our associate partners, and affiliates to contact you via email, phone, or other means. This is to ensure you are informed about all the features of the Services.

5.3. Legal Obligations:

You agree and acknowledge that we may share data when required by law, court order, government agency, or authority to disclose such information. These disclosures are made in good faith and belief, deeming it reasonably necessary to enforce this Policy or the Terms or to comply with applicable laws. Such disclosures are made in good faith and belief that it is reasonably necessary to do so for enforcing this Policy or the Terms, or in order to comply with any applicable laws and regulations.

6. ACCESS AND UPDATING YOUR PERSONAL DATA

You warrant that all personal data provided to us is accurate, up-to-date, and true. As you use our Services, we strive to offer you the ability to review and correct inaccurate or deficient data, within the confines of legal requirements. We undertake to verify the accuracy of any new personal data you provide to us.

7. DATA SECURITY

7.1. We implement appropriate security measures and access controls to protect your personal data from unauthorised access, and follow technology standards prescribed by applicable law, including the Information Technology Act, 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and by RBI ensuring up-to-date physical security, such as secure areas in offices; electronic safeguards, such as passwords, firewalls, and encryption; and secure development procedures. Our safety and security processes are audited by a third party cyber security audit agency from time to time.

7.2. In the scenarios where personal information collection is mandatory, for instance any information required to pull bureau report or for loan application, we encrypt the data with the latest security algorithms before transmitting the data. All such data is encrypted at rest

7.3. Information you and Lenders provide and receive during the Services is transmitted through a secure sockets layer (SSL) transmission. We encrypt and store personal information wherever it is possible. No data is shared with any third party unless until it is a core feature to serve the end-user, in all such scenarios the user consent is taken.

7.4. We restrict access to your personal information only to those employees who are required to know such information in order to provide our Services to you. We train our employees on all our security procedures.

8. DATA RETENTION AND DESTRUCTION

For information about our retention and destruction practices, please refer to the Schedule to this Policy.

9. YOUR LEGAL RIGHTS

9.1. Under certain circumstances, you have the right to:

A.) Request the erasure of your personal data: This enables you to ask us to delete or remove personal data. We shall comply with any request, subject to applicable laws and the terms of the loans that are sanctioned through the Platform.

B.) Right to deny consent: This enables you to deny us the consent necessary to process your personal data. If you exercise this right, it may impact or restrict our ability to provide Services to you.

C.) Right to revoke consent: This enables you to withdraw consent provided to us previously for specific use of information, storing of information, sharing your information with third parties and Lenders, and consent to contact you. We shall comply with any request, subject to applicable laws and the terms of the loans that are sanctioned through the Platform.

D.) Right to rectify:You have the right to review and correct, update and/or amend your information provided to us previously for it to be accurate, complete, and up-to-date. However, note that in a situation where you deny consent, withdraw consent, avail the right to be forgotten, or provide inaccurate information, you may not be able to avail the entire scope of our Services, and in such instances, we reserve the right to not provide you access to our Services or any part thereof.

9.2. However, our Lenders may contact you regarding the loan application and payment of dues and shall continue processing your information if your application for the provision of a loan was sent to Lender or if you have availed any loan from our Lenders until all dues of the loan are paid. The Lenders may store your information for as long as required per applicable laws. The Lenders may also require us to retain information in circumstances where the Lender has outsourced any services in relation to the loan product, such as the collection of dues, to us, and in such cases, we will be required to retain your information for the period required by the Lender.

10. TRANSFER OF PERSONAL DATA

10.1. Location of Data Storage:

Please be aware that all your data, including financial information, is exclusively stored on systems located in India. There will be no transfer of your personal data to any third country.

10.2. Information Sharing with Lenders and Third Parties:

We share your information with Lenders and third parties for various purposes, including contacting you about loan products, completing loan applications, KYC checks, collection of KYC documents, bank authentication, performing employment checks, and loan repayment.

12. COOKIES

12.1. Cookies are small data files that are stored on your device. We use cookies and other tracking technologies to distinguish you from other users of the Services and to remember your preferences. This helps us provide you with a good experience when you use our Services and also allows us to improve the Services.

12.2. We identify you by way of using cookies. The cookies shall not provide access to data on your device such as email addresses or any other data that can be traced to you personally. The data collected by way of cookies will allow us to administer the Services and provide you with a tailored experience. The cookies shall enable you to access certain features of the Services. Most devices can be set to notify you when you receive a cookie or prevent cookies from being sent. If you prevent cookies from being sent, it may limit the functionality that we can provide when you visit the Platform or try to access some of the Services.

12.3. Additionally, you may encounter cookies or other similar technologies on certain pages of the Platform that are placed by third parties. We do not control the use of cookies by such third parties.

13. BUSINESS TRANSITIONS

You agree and acknowledge that in the event we go through a business transition, such as a merger, acquisition by another organization, or sale of all or a portion of our assets, your personal data might be among the assets transferred.

14. CHANGE IN PRIVACY POLICY

14.1. We keep our Policy under regular review and may amend it from time to time, at our sole discretion.

14.2. The terms of this Policy may change and if it does, these changes will be posted on this page and, where appropriate, notified to you by email or phone number through SMS.