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.
1. Information the Company collects.
A. Information collected to access the Platform and provide Services
1.
Account and Contact Information
Full name, age, gender, date of birth, photo, liveliness video, telephone/mobile number(s), permanent and current address, state/city of residence, country, pin code, email address, chosen billing address and PAN number.
This data may be stored for the purpose of registration onto the Platform.
2.
Employer Information
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.
3.
Usage and Technical Information
IP addresses, application type, device or browser type, versions and configurations, operating systems, device brand, device model, serial numbers, device motion data, mobile network data, device international mobile equipment identity (IMEI), time zone setting, geo-location information, content, unique identifiers associated with your device(s) and pages that You access on the Jify App, and the dates and times that You visit the Platform or avail the Services.
Data about how You interact with our Platform. This includes data such as interaction patterns (such as screen actions, gestures: taps, scrolls and clicks), Jify App features viewed, Jify App crashes and other system activity and third-party sites or services used before or in the course of interacting with Our Platform.
4.
Marketing and Communications Information
Communications with customer service support, behavioural data (for example, data collected using cookies), information about promotions, surveys, promotional campaigns and records of Your decision(s) to subscribe or to withdraw from receiving marketing materials, if any.
5.
Location Data
With your explicit permission, We may receive, collect and analyse your location data which may be accessed through a variety of methods including (but not limited to) GPS, IP address, cell tower location and your precise location based on GPS data, so as to provide you with hyper-local information and application capabilities, to prevent fraud, verify your address and place of acceptance of documents, etc.
6.
Camera
We may require access to your device’s camera for a seamless experience, for clicking your selfie, or to upload photos for profile updation and as may be required for KYC purposes, or for uploading any other necessary documents on the Platform.
7.
Third Party Information
We may also work closely with affiliates, third party business partners, technical sub-contractors, analytics providers, search information providers, etc. and may lawfully receive Information about You from such sources. Such Information may be combined with Information collected on the Platform and such other Information as provided in this Privacy Policy
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.
8.
Other Information:
We may also collect your Information via other sources, such as delivery address or contact Information from our affiliates and partners, Information from our payment service providers, public records, publicly available sources or internet sites, vendors, data suppliers and service providers, commercially available marketing lists or registries, telephone directories, social network, news outlets and other related media.
B. Information collected specific in our capacity of lending service provider
1.
Financial Information
Personal bank account numbers, bank account data and IFSC code.
2.
Identification/KYC Information
Know your Customer (KYC) documents including all proofs of identity and address, photograph, parents’ names, video and audio recordings, geographical location, Permanent Account Number (PAN) etc.
2. Use of the Information.
1.
Enabling the Platform and Services.
We use the Information collected to personalize, maintain and improve our Services. This includes using the Information to:
• Create, maintain and update your account and verify your identity.
• Analyze your loan eligibility and estimate your loan terms.
• Track the disbursement and repayment of the loan.
• Enable features that allow You to add and remove bank accounts for your loan repayment and disbursements from time to time.
• Enable features that help You check your loan history, credit scores (as provide on government databases), and other such App features as may be added from time to time.
• Perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems; to conduct data analysis, testing, and research; and to monitor and analyze usage and activity trends.
• Enable any modification of the Platform from time to time to cater to the User’s interests.
• Personalise User experience with the Platform and to better understand the Users in general and to improve the content and functionality of the Platform.
• Provide the Platform and the functions and features therein, efficiently.
2.
Facilitation of Finance Facilities and KYC Authentication.
We use the Information collected to facilitate finance facilities and for KYC authentication. This includes using the Information to:
• Validate, process and share your Information, nominee details, and other legally mandated information with regulated entities, financial institutions, or service providers engaged by Us to facilitate the Services.
• Analyse your creditworthiness, loan eligibility, KYC documents, current employment verification and the terms of your loans.
• Processing loan requests and verify the KYC documentation received. You hereby grant Us explicit consent to fetch your KYC (Know Your Customer) details from the Central KYC Records Registry using the details provided by You.
• Enable Lending Partners to use the data to analyse your creditworthiness, loan eligibility, KYC documents, current employment verification and the terms of your loans. You hereby grant the Lending Partners explicit consent to fetch your KYC (Know your Customer) details from the Central KYC Records Registry using the details provided by You. Our Lending Partners also use the data for underwriting, to track the disbursement and repayment of your loans.
3.
Customer Support and Communication.
• For providing customer support related to the Platform and Services.
• For the purpose of sending administrative notices, alerts, advice, notification and communication relevant to your use of any facilities on the Platform, including any change to this Policy.
• For enabling any other communication between Jify and the User, as may be required.
4.
Marketing and Outreach
• For marketing and outreach purposes to improve the Platform and Services.
• To provide relevant offers or rewards to You, based on your consumption patterns.
• For promoting new products and services
5.
Legal Compliance and Requirements
• To investigate and address claims or disputes relating to use of Platform/Services.
• To investigate and prosecute potential breaches of Company security or license agreements.
• To comply with applicable laws or requests received from regulators, government, law enforcement or judicial authorities under applicable laws.
• For the purpose of legal compliance and other related requirements.
3. Information the Company shares with third parties.
CleverTap Private Limited (“CleverTap”)
1901, 19th Floor, DLH Park, Ramlal Compound, S.V. Road, Goregoan (West), Mumbai, Maharashtra – 400064.
To enable push notifications and conduct analytics.
K.M. Global Private Limited (“Credit Fair”)
Surya Mahal, 4th Floor, 5 Burjorji Bharucha Marg, Mumbai, Maharashtra – 400001.
Lending Partner. For underwriting and reporting purposes.
Premium eBusiness Venture Private Limited (“Zokudo”)
42, Navketan Industrial Estate, Mahakali Caves Road, Andheri (East), Mumbai, Maharashtra – 400093
Pre-paid Payment Instruments (PPI) License Partner. For issuance of PPIs to Users.
NDX P2P Private Limited (“LiquiLoans”)
1st Floor, B-104, "The Qube" having C.T.S. No. 1498, A/2, M.V. Road, Marol, Andheri (East) Mumbai, Maharashtra – 400059
Lending Partner. For underwriting and reporting purposes.
Mixpanel, Inc.
One Front Street, 28th floor, San Francisco, CA 94111
For the purpose of conducting analytics.
Please note that We only share non-consumer identifiable data with Mixpanel.
4. How do We protect your Information?
5. Your rights regarding the Information collected by us.
6. Children’s privacy.
7. Grievances.
