Privacy Policy

JFG, one of India's fastest growing non-banking financial companies (NBFCs), offers tailored financial solutions to a wide range of customers across personal loans, business loans, home loans, etc. At JFG, we are committed to protecting your privacy and ensuring that your personal data is handled in a secure and responsible manner. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you use our financial services.

1. Introduction

This Privacy Policy explains our practices regarding the collection, use, and sharing of your personal information. By using our services, you consent to the practices described in this policy.

2. Information We Collect

We collect personal information to provide you with our financial products and services. The types of information we may collect include :

• Personal Identification Information: Name, address, phone number, email address, date of birth, etc.
• Financial Information: Bank account details, credit card numbers, income, loan details, investment details, and other financial data.
• Identification and Verification Documents: Copies of your government-issued ID, passport, utility bills, or other documents required for identity verification.
• Transaction Data: Details of transactions you make through our services, such as loan payments, investments, and other financial activities.
• Usage Data: Information about how you access and use our website, mobile apps, or other services, such as your IP address, browser type, and session data.

3. How We Collect Information

3. How We Collect Information

• Apply for our financial products or services.
• Register for an account on our website or mobile app.
• Make transactions or use any of our services.
• Contact us directly through email, phone, or online chat.

We may also receive information about you from third-party sources such as credit bureaus, financial institutions, or other partners, as part of our verification and underwriting process.

4. How We Use Your Information

We use your information for the following purposes:

• To process and evaluate applications for financial products and services.
• To provide customer support and respond to inquiries.
• To verify your identity and perform background checks (e.g., credit checks).
• To improve our services, website, and apps by analyzing how users interact with them.
• To send you updates, offers, or information related to your account or services, if you opt-in to receive such communications.
• To comply with legal, regulatory, and compliance requirements.

5. Sharing Your Information

We do not sell your personal information to third parties. However, we may share your information with trusted third-party service providers under the following circumstances:

• Service Providers: Companies that provide services on our behalf, such as payment processing, fraud detection, data storage, and marketing.
• Legal Requirements: We may share your information if required by law, such as in response to a subpoena, court order, or government investigation.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred to the new owner.
• Credit Bureaus: To report your credit history, payment behavior, and other credit-related activities.

6. Security of Your Information

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and other safeguards. However, please be aware that no security system is completely foolproof, and we cannot guarantee the absolute security of your information.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: You have the right to request a copy of the personal information we hold about you.
• Correction: You can request that we correct any inaccuracies in your personal information.
• Deletion: In some cases, you may request that we delete your personal data, subject to legal and contractual obligations.
• Opt-Out: You may opt out of receiving marketing communications from us by following the unsubscribe instructions in emails or contacting us directly.

8. Cookies and Tracking Technologies

We may use cookies, web beacons, and other tracking technologies to improve your experience with our website and services. These technologies help us analyze trends, track users’ movement, and gather demographic information. You can control cookies through your browser settings.

9. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law, regulation, or contractual obligations. When your data is no longer required, we will securely delete or anonymize it.

10. Children’s Privacy

Our services are not intended for children under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information as soon as possible.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. We will notify you of significant changes by posting the new policy on our website or by other means of communication. Please review this Privacy Policy periodically for any updates.