Policies and Agreements

This Privacy Policy applies to all customers and potential customers of the https://www.jamunjar.com website and its services. By using our website or JamunJar App, you agree to the terms of this Privacy Policy and accept its conditions. This website is not intended for use by children or minors. Parents are advised to ensure that minors do not provide any personal information. This Privacy Policy does not create any contractual, financial, or legal rights for any user or viewer.

The following definitions shall be applicable to this Privacy Policy;
"JamunJar.com" or "Us" or "We" or “JamunJar Apps in iOS & Android” - refers to JamunJar.
"Privacy Policy" - refers to this policy.
"Personal Information" refers to any data related to an individual that can identify them directly or indirectly, especially when combined with other information held by a corporate body.
"Sensitive Personal Data or Information" includes specific types of personal information such as: Information freely available in the public domain or furnished under the Right to Information Act, 2005 shall not be regarded as sensitive personal data.

1. (i) password;
2. (ii) financial information, including but not limited to bank account details, credit card or debit card information, or other payment instrument details;
3. (iii) mobile no, email and demographic details like address, location etc.
4. (iv) physical, physiological and mental health condition;
5. (v) sexual orientation;
6. (vi) medical records and history;
7. (vii) biometric information;
8. (viii) any detail related to the above provided to or processed by the body corporate under lawful contract;
9. (ix) Aadhaar number and biometric information associated with Aadhaar as defined under the Aadhaar Act, 2016.

Information freely available in the public domain or furnished under the Right to Information Act, 2005 shall not be regarded as sensitive personal data.

• "Services" - refers to all services provided by JamunJar.
• “Third Party Service Provider(s)” - encompasses group companies, affiliates, third-party vendors, agents, contractors, consultants, or service providers.
• "Website" - refers to JamunJar.com and any subsequent pages listed under its sitemap.
• "You," "Your," or "User(s)" - denotes the individual accessing the Website or utilizing the services of JamunJar in any capacity.

# Information You Provide to Us:
Some Services require registration to create an account. The typical registration information may include Your mobile number, name, email address, etc., which helps us in identifying You personally. This information is necessary for initiating and continuously using Your online account and products. If the information provided by You during registration is incorrect or has changed, You can quickly update or delete it unless we are required to retain it for legitimate business or legal purposes. However, backend audit trail keeping may require us to retain a copy/log of such information for as long as legally permitted/required.
We may collect the following Personal Information from You (this is an indicative list):

1. (i)Personal Information includes details that identify You and Your financial savings, such as Your name, date of birth, bank/financial account details, credentials, passwords, phone number, PAN, Aadhar, fax number, email address, gender, marital status, city of residence, basic salary, cost to company, contribution to financial instruments like MF, Insurance, EPF, PPF, superannuation, gratuity, leave encashment, or any other information required under regulatory requirements.
2. (ii) Most features of the Website would require registration information, which may necessitate providing Your email address, mobile number, password, and other details needed for registration. The type of Personal Information collected depends on the service you avail or propose to avail.
3. (iii) The Website may occasionally request additional Personal Information to provide you with benefits or value-added services. On these occasions, you have the choice to provide or decline this information. Failure to provide required information may prevent you from availing specific services or products.

Information collected during Your use of our Services on the Website/App: Using the Website's Services offered by JamunJar may result in the collection of performance and usage information such as the date and time of Your visit, browser/computer type, default language setting, unique Internet Protocol address, number of links clicked within the Website, pages viewed, and the webpage from which you arrived. This information will not be used to personally identify You. Usage of facilities/products/services through any App will be subject to additional terms and conditions regarding data collection and disclosure, to be read along with this Privacy Policy. JamunJar shall not be liable for any consequences arising from the use of third-party Apps or breaches of data privacy occurring at their end.
# Information Obtained from Affiliates or Third Parties:
We may receive information about You from other sources, including commercially available ones such as social media, data aggregators, and public databases. We may also collect information from our affiliates or group companies.
# Information Obtained through Cookies or Anonymous Identifiers:
Cookies are small electronic text files utilized by Websites to store User preferences and settings. JamunJar cannot control the use of cookies or the resulting information by advertisers or third parties hosting data on JamunJar websites. You may reset your browser to control cookies, although some Services offered by the Website may not function correctly if cookies are refused, reset, or deleted.
# Consequences of Not Providing Information or Withdrawing Consent:
If you do not provide your information, consent to its usage, later withdraw consent for its intended purpose, submit misleading or false information, or fail to update your information, JamunJar reserves the right to discontinue/cancel the services for which the information was sought. Any decision by JamunJar in this regard shall be binding on You and supersede the terms of the services.

We may use the information we collect from you for various purposes, including:

• Providing financial and non-financial products.
• Addressing your inquiries or complaints.
• Offering services via our Website/App.
• Personalizing your experience.
• Improving our Website/App, products, and customer service.
• Processing transactions under your User ID and Password.
• Sending periodic communications (emails/SMS/mobile notifications/WhatsApp).
• Managing contests, promotions, surveys, or other features.
• Closing sales and gathering post-sales information.
• Communicating for post-sales requirements.
• Conducting statistical analysis.
• Enhancing products/services using advanced technologies.
• Performing sales and marketing activities.
• Aadhaar authentication as per laws.
• Detecting and protecting against fraud or criminal activity.
• Complying with legal or regulatory requirements.

Third-party service providers may assist us in these tasks, but we are not liable for any damages incurred by them.
You acknowledge that providing personal information is voluntary and done with your full consent to procure our services.

JamunJar encourages you to update your personal information as required. You are also entitled to review the information provided and ensure that any inaccuracies are corrected or amended when feasible. JamunJar is not responsible for the authenticity of the personal information supplied by you. All personal information provided will be on an 'as is' basis. JamunJar is not responsible for any actions or policies of third-party service providers, and users are requested to check the applicable privacy policy and familiarize themselves with the terms and conditions of usage of such third-party service providers when providing personal information. JamunJar shall not be liable for any variance in the features or benefits offered by such third-party service providers and does not assume warranty on the efficiency or efficacy of such offers.

• JamunJar and its website/app do not collect any personal information (except in relation to online usage of tools/calculators/journeys) unless voluntarily provided by you. JamunJar confirms that it will not rent or sell any of your personal information.
• JamunJar may share personal information for external processing with business partners, third-party service providers or vendors:
  • To ensure that the business partner can provide personalized service as promised by JamunJar
  • To comply with any applicable law, regulation, legal process, enforceable governmental request, or customary practice directly or through affiliates, banks, financial institutions, credit bureaus, or agencies.
  • To meet requirements of participation in any telecommunication or electronic clearing network.
  • For statistical analysis, verification, or risk management.
  • To enforce applicable terms of service, including investigation of potential violations.
  • To detect, prevent, or address fraud, security, or technical issues.
  • To protect against harm to the rights, property, or safety of JamunJar, its users, or the public as required or permitted by law.
  • To comply with regulatory guidelines and/or as required under applicable laws. Your use of the website implies acceptance of these terms.
• JamunJar retains the right to share non-personally identifiable information with third parties for business purposes, to assess website traffic, patterns, and other similar purposes. Additionally, JamunJar retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes or to protect and defend the rights and interests of JamunJar, its affiliates, and/or other users or to enforce the terms and conditions binding on all users of the website.

JamunJar may contact you via email, postal service/courier, mobile messaging services, WhatsApp, telephone, or social media if you consent or if required by operational or regulatory needs. JamunJar may also use third-party service providers to communicate with you. By providing your contact information, you agree to be contacted even if registered under the National Customer Preference Register (" NCPR "). You can unsubscribe from these communications at any time.

JamunJar may enable third parties to offer subscription and/or registration-based services through the website, app, or other platforms such as WhatsApp, Twitter, Alexa, etc. JamunJar is not responsible for the actions or policies of these third parties, and users are advised to review the applicable privacy policy and familiarize themselves with the terms and conditions of usage of such service providers when providing personally identifiable information. JamunJar shall not be liable for any variations in the features or benefits offered by these third parties and does not provide warranties on the efficiency or effectiveness of such offers.
JamunJar shares specific personal information with third parties for various activities, including but not limited to:

• Marketing purposes
• Document management/retention
• Cloud storage
• Logistical activities such as printing and couriering documents
• Cross-selling and up-selling of products of JamunJar or its group/parent companies
• Customer support provided by call centers
• Improving services and products

JamunJar reserves the right to amend or modify this Privacy Policy, including replacing it with a new policy, at any time at its sole discretion. Users are advised to periodically review the terms and conditions outlined in this Privacy Policy. JamunJar shall not, under any circumstances, be held liable for any lapses on the part of the users.

We take reasonable precautions to protect your Personal Information or Sensitive Personal Data from unauthorized access, alteration, disclosure, or destruction. Specifically:

• We provide role-based access to employees/partners.
• We review our information practices to guard against unauthorized access.
• We allow access to personal information for employees, contractors, and agents under strict confidentiality obligations.
• We use password-based authentication for User access. You are responsible for maintaining the confidentiality of your login ID and password; we recommend changing your password periodically.
• Communications between your device and our Website are encrypted using at least 128-bit SSL technology to prevent eavesdropping, tampering, and message forgery. Your Website password is also encrypted.

JamunJar uses third-party data centres and cloud services to securely store your data and prevent loss. Relevant security measures and legal clauses are followed.
Trademarks, logos, slogans, and service marks on this website belong to JamunJar or others. Without written permission, JamunJar does not allow their use or display. Legal remedies will be sought for any intellectual property violations.
We protect your information with HTTPS, which encrypts data between your device and our servers. Look for the padlock icon in your browser for secure connections.
Reproduction of these pages without JamunJar's prior written consent is prohibited unless for private, non-commercial viewing.
Your personal information is also encrypted or hashed on our servers using industry-standard algorithms to ensure protection and integrity.

JamunJar will only retain Personal Information or Sensitive Personal Data as long as necessary to fulfil its purpose or as required by law. In some cases, data may be anonymized for further use without referring to the user. Upon deactivation, termination, or withdrawal of consent, Personal Information may no longer be used and may be removed after the legally prescribed retention period. Unless permanently purged, Personal Information may remain on servers for non-identifiable data analytics to improve services.

Information, content, and materials provided on this Website are presented "As Is," and JamunJar does not make any express or implied representation or warranty regarding their accuracy or completeness.

Should you require any further clarifications regarding the content of this Privacy Policy or the terms and conditions stated herein, please contact:
Damji Shamji Corporate Square,
C Wing, Office no 312,
Laxmi Nagar, Ghatkopar East,
Mumbai - 400075
Email:
support@JamunJar.com