Privacy Policy

The website – https://www.jify.co/ ("Website") and the Jify mobile application ("Jify App") (together referred to as the "Platform") are made available by Zeo Fin Technology Private Limited (“Company” or “Jify” or “We”). By using or even just browsing the Platform, you (“You”, “User” or “Employee”) agree to accept this privacy policy (“Privacy Policy” or “Policy”) and You hereby consent to the Company collecting, processing, using, disclosing, sharing and transferring your Information.

Do note that this Policy is subject to regular updates and revisions. While We may provide You notice of changes from time to time, We urge You to visit this page to see if there have been any updates. Capitalized terms mentioned in this Policy shall have the same meaning as provided in the Terms and Conditions (“Terms”), unless specifically defined in this Policy.‍

  • Information the Company collects.‍

    • In order to provide access to the Platform and provide the Services to the Users, We may collect a variety of information, including but not limited to:

      • Personal information: including name, gender, date of birth, official phone number, personal phone number, residential phone number, official email id, personal email id, permanent address.
      • Information required to facilitate the Finance Facilities and Services: including name of Partner Employer, Employee ID, Employee status, date of joining the Partner Employer, pay grade, designation, department in which the Employee is working, attendance details, pay-out date, pay group, employment type, loss of pay status, last working day and net monthly salary.
      • Know Your Customer information: including images of PAN card, voter identity card, driver’s license, Aadhar card, video and audio recordings and geographical location.
      • Financial information: Bank account number and IFSC code.

      • Feedback data: This includes:

        • If You call our customer service, We may record information provided by You to service You or record the calls for quality and training purposes.
        • If You provide any feedback or comments to us on the Platform.
      • Usage data: We collect data about how You interact with our Platform. This includes data such as interaction patterns (such as screen actions, gestures: taps, scrolls and clicks), access dates and times, Jify App features or pages viewed, App crashes and other system activity, type of browser, and third-party sites or services used before or in the course of interacting with our Platform.
      • Device data: We collect data about the devices used to access our Platform, including the device IP address, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.
      • Information collected through advertisements: Our Platform may use third party advertising companies to serve ads when You visit our Platform. The data regarding the way You interact with these ads is also collected, analysed and stored by us. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to You. This Policy does not cover the use of cookies by any such advertisers.
      • Usage data: We collect data about how You interact with our Platform. This includes data such as interaction patterns (such as screen actions, gestures: taps, scrolls and clicks), access dates and times, Jify App features or pages viewed, App crashes and other system activity, type of browser, and third-party sites or services used before or in the course of interacting with our Platform.

    • You authorize the Company to:

      • obtain necessary User Data from the Partner Employer including through their respective human resource management system portal. 
      • share your Know Your Customer details with other regulated third-party vendors engaged by the Company to provide Third Party Services. 
      • obtain your credit information report from credit information companies as decided by the Company and/or the Lending Partner from time to time.

    • The information listed in paragraphs 1 and 2 are referred to as "Information”. You represent that any such Information as provided by You or otherwise obtained on your behalf shall always be accurate, correct and complete.

  • Use of the Information

    • Your Information is used in connection with your use of the Platform, including your registration, facilitation of Finance Facilities and other Services, completion of transactions, providing customer service, sending administrative information, and to personalize user experience with the Platform. We may use this information to better understand our users in general and to improve the content and functionality of the Platform. We may use information to investigate and prosecute potential breaches of Company security or license agreements.

    • From time to time, We may use your phone numbers, email addresses, and addresses strictly for communication purposes. Your contact information may also be used to reach You regarding issues concerning your use of our Platform, including changes to this Policy.

    • The Know Your Customer information is collected by us on behalf of our Lending Partners to enable them to provide the Finance Facilities and other Services. We reserve the right to store, verify and transfer the aforesaid data to our Lending Partners to confirm Know Your Customer compliance.

    • We collect your bank account number and IFSC code for the purpose of depositing the loan amounts into your bank accounts pursuant to You availing our Services.

  • Information the Company shares with third parties.

    • We share your information with third parties, as set out below:

      • Lending Partners. We may share your Know Your Customer details including PAN, Aadhar number, driver’s license, voter ID, geographical location and voice recordings, and Bank IFSC Code and Bank Account Number with our Lending Partners for the provision of the Services as defined under the Terms and in compliance with applicable laws.
      • Data Analytics. We may share your name, gender, date of birth, work phone number, home phone number, personal phone number, Employee ID, Employee status, date of joining the Partner Employee, designation, department in which the Employee is working, and net monthly salary for analytical purposes.
      • Service Providers. We may share your Information with our service providers and vendors, such as our payment gateway providers and other service providers.
      • Government/Law enforcement. We may share your Information with law enforcement agencies pursuant to lawful requests for information, and otherwise as required under any law applicable at the given time.
      • Business affiliates and change in control. The Company may share your Information with its affiliates and group companies for offering relevant products and offers to You. If the Company and its assets are wholly or substantially acquired by a third party in future, your Information will be one of the assets that may be transferred. This transition will take place with full disclosure of this Privacy Policy and the commitments expressed herein.

    • The address and websites of the Lending Partners and Data Analytics partner is as provided hereunder*:

      Name of Entity

      Website

      Registered Office

      CleverTap Private Limited (“CleverTap”)

      https://clevertap.com

      1901, 19th Floor, DLH Park, Ramlal Compound, S.V. Road, Goregoan (West), Mumbai, Maharashtra – 400064.

      K.M. Global Private Limited (“Credit Fair”)

      https://creditfair.in

      Surya Mahal, 4th Floor, 5 Burjorji Bharucha Marg, Mumbai, Maharashtra – 400001. 

      Premium eBusiness Venture Private Limited (“Zokudo”)

      https://www.zokudo.com

      42, Navketan Industrial Estate, Mahakali Caves Road, Andheri (East), Mumbai, Maharashtra – 400093

      NDX P2P Private Limited (“LiquiLoans”)

      https://www.liquiloans.com 

      1st Floor, B-104, "The Qube" having C.T.S. No. 1498, A/2, M.V. Road, Marol, Andheri (East) Mumbai, Maharashtra – 400059 

      *We may also notify you if information is shared with any other Lending Partner or Data Analytics provider.

    • We do not sell the Information of our Users to others. We also do not share such information with third party business entities for their marketing or advertising purposes, unless You explicitly allow us to do so.

  • How do We protect your Information?

    • The Company limits access to personal information to authorized employees, associates, partners and officers. We maintain physical, electronic and procedural safeguards to protect the information against loss, misuse, damage or modification and unauthorized access or disclosure.

    • We have obtained the IS/ISO/IEC 27001 standard certification for data protection.

    • However, please note that:

      • the Company is not responsible for any breach of security or for any actions of any third parties that receive your Information.
      • the Company shall not be liable for any loss or injury caused to You as a result of You providing your Information to third party, even if links to such third party websites are provided on the Platform.
      • as a registered user with a User Account, You are responsible for keeping your account details and your one-time password confidential.
      • no method of transmission over the internet, or method of electronic storage is entirely secure and reliable, and We cannot guarantee its absolute security.
      • the Company is not responsible for any loss, damage or misuse of your Information, if such loss, damage or misuse is attributable to any force majeure event including fires, floods, earthquakes, strikes, unavailability of necessary utilities, blackouts, acts of God, acts of declared or undeclared war, acts of regulatory agencies, or national disasters.

  • Your rights regarding the Information collected by us.

    • Restrict disclosure and withdraw consent. You have the right to restrict the disclosure of your Information to any third party or withdraw your consent under this Policy by writing to us at [●]. However, please note that, You may not be able to access certain parts of the Platform, as well as certain services from on the Platform if You exercise these rights. Do note that despite your withdrawal request, We may continue to retain and store your information as provided in paragraph 15.

    • Data retention. We shall only retain your Information to facilitate your smooth and uninterrupted use of the Platform. We do not retain your Information for longer than required for the purpose for which the information may be lawfully used.

    • Deletion of data. You have the right to demand us to erase your Information and We will do so without undue delay, provided that the Information is no longer required by us and there is no legal requirement to retain the Information.

    • Correction of data. In the event that any Information provided by You is inaccurate, incomplete or outdated, then You shall have the right to provide us with the accurate, complete and up to date information and have us rectify such information at our end immediately.

  • Children’s privacy.

    Our Platform is not meant to be used by children, and We do not knowingly solicit or collect personal information from persons under the age of 18 (eighteen). If We find out that a child has given us personal information, We will take steps to delete that information and terminate the relevant user account.

  • Grievances.

    Should You have any grievances about the processing of your personal information, You may contact:

    Mr. Rajat Solanki
    Email: rajat@jify.co
    Contact No: 9145686591
    Time: Mon - Fri (9:00 - 18:00)