1. Introduction
JANACHETANA MICROFINANCE PRIVATE LIMITED ("Janachetana Microfinance", "Company", "we", "our" or "us") respects the privacy of visitors, customers and applicants using our website and services. This Privacy Policy explains how information is collected, used, protected and disclosed when you interact with our website, submit an enquiry, apply for a financial service or make an authorized payment.
2. Information We Collect
Depending on the service requested, we may collect information necessary for identification, verification, communication, loan servicing and payment processing, including:
- Name, date of birth and contact details.
- Residential and communication address.
- Government-issued identification and KYC documents where legally required.
- Banking and payment information necessary to process an authorized transaction.
- Employment, occupation, income and financial information provided during an application.
- Loan/application, repayment and transaction information.
- Information provided through contact, enquiry, customer-service and application forms.
- Technical information such as browser, device, IP address and website usage data where collected by our website infrastructure.
3. How We Use Information
Information may be used to process enquiries and applications, perform verification and KYC where applicable, administer customer accounts, service loans and repayments, process authorized payments, provide customer support, prevent fraud and misuse, maintain records, improve our website and services, and comply with applicable legal and regulatory requirements.
4. Payment Information
Where payments are processed through a third-party payment gateway, payment credentials such as card or net-banking authentication details are generally handled by the authorized payment service provider according to its security and privacy practices. Janachetana Microfinance receives the transaction information required to identify and reconcile the payment, subject to the payment provider's integration and applicable law.
5. Sharing and Disclosure
We do not sell personal information. Information may be shared with authorized employees, technology and hosting providers, payment gateway providers, banks or financial service partners, professional advisers, auditors, credit information agencies where applicable, and government or regulatory authorities where required or permitted by law. Such sharing is limited to legitimate business, service, verification, security or compliance purposes.
6. Data Security
We maintain reasonable administrative, technical and organizational safeguards intended to protect information against unauthorized access, misuse, alteration, disclosure or destruction. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.
7. Cookies and Website Technologies
Our website may use cookies or similar technologies for essential functionality, security, analytics and improving user experience. You may manage cookie settings through your browser, although disabling certain cookies may affect website functionality.
8. Third-Party Links and Services
Our website may contain links to third-party websites or services, including payment and technology providers. Their privacy practices are governed by their own policies. We recommend reviewing the applicable third-party terms before using those services.
9. Accuracy and Updates
Customers and applicants should provide accurate and current information. We may request updated information where necessary for service delivery, verification, security or compliance.
10. Policy Updates
We may update this Privacy Policy when our services, technology, legal requirements or practices change. The latest version will be published on this website with its effective date.
11. Contact
For privacy questions, requests or concerns, please use the official contact details below.