Privacy Policy

JaldiMoney Technologies Pvt. Ltd. ("JaldiMoney", "we", "us", or "our"), headquartered in Mumbai, Maharashtra, India, operates the website jaldimoney.com and related services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial marketplace platform.

This policy is published in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000 (IT Act), and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

By accessing or using our platform, you consent to the collection and use of your information as described in this policy. If you do not agree, please discontinue use of our services.

1. Information We Collect

We collect the following categories of information to provide and improve our services:

1.1 Personal Information

• Full name, date of birth, and gender
• Email address, mobile number, and residential address
• PAN (Permanent Account Number) and Aadhaar number (with explicit consent)
• Employment details including employer name, designation, and work experience
• Educational qualifications

1.2 Financial Data

• Monthly and annual income details
• Existing loan obligations and EMI commitments
• Credit score and credit history (obtained with your consent from credit bureaus)
• Bank account details (for commission payouts to partners)
• GST Identification Number (GSTIN) for business loan applicants

1.3 Usage Data

• Pages visited, features used, and time spent on the platform
• Loan comparison and application history
• Search queries and product preferences
• Click-through data on offers and recommendations
• Communication preferences and interaction history

1.4 Device and Technical Information

• IP address, browser type, and version
• Device type, operating system, and screen resolution
• Referral URLs and UTM parameters
• Cookies and similar tracking technologies (see Section 6)

2. How We Use Your Information

We use the information collected for the following purposes:

2.1 Matching You with Lenders

Your financial profile is used to match you with suitable lending partners from our network of RBI-regulated banks, NBFCs, and fintech lenders. This is the core function of our marketplace.

2.2 Credit Score Checks

With your explicit consent, we facilitate soft credit score inquiries through licensed credit bureaus to help assess your eligibility and provide personalised loan recommendations.

2.3 Communication and Marketing

To send you loan offers, application status updates, product recommendations, newsletters, and promotional communications. You may opt out of marketing communications at any time.

2.4 Analytics and Platform Improvement

To analyse usage patterns, improve our matching algorithms, enhance user experience, conduct A/B testing, and develop new features and services.

3. Information Sharing and Disclosure

We do not sell your personal data. We share information only in the following circumstances:

3.1 With Lending Partners

When you apply for a loan or express interest in a financial product, we share relevant information from your profile with our partner banks, NBFCs, and fintech lenders so they can assess your application and provide offers. This sharing is essential to deliver our core marketplace service.

3.2 With Service Providers

We engage third-party service providers for hosting, analytics, email delivery, SMS notifications, payment processing, and customer support. These providers are contractually bound to use your data only for the purposes we specify and to maintain appropriate security measures.

3.3 Legal Requirements

We may disclose your information if required to do so by law, in response to a court order, summons, or legal process, or if we believe in good faith that disclosure is necessary to comply with applicable laws, protect our rights or property, prevent fraud, or ensure the safety of our users.

4. Data Security

We implement industry-standard security measures to protect your personal and financial information:

• Encryption: All sensitive data, including PAN, Aadhaar, phone numbers, and bank account details, is encrypted at rest using AES-256 (Fernet) encryption. All data in transit is protected using TLS 1.2 or higher.
• Access Controls: Strict role-based access controls ensure that only authorised personnel can access sensitive data. All access is logged and audited.
• Regular Audits: We conduct periodic security assessments and vulnerability testing to identify and remediate potential risks.
• Data Masking: Sensitive identifiers such as PAN, phone numbers, and bank account numbers are masked in user interfaces and logs to prevent unauthorised exposure.
• Secure Infrastructure: Our production systems are hosted on secure, access-controlled infrastructure with firewalls, intrusion detection, and regular backups.

5. Your Rights

Under the DPDP Act 2023 and applicable Indian law, you have the following rights regarding your personal data:

• Right to Access: You may request a summary of the personal data we hold about you and how it is being processed.
• Right to Correction: You may request correction of inaccurate or incomplete personal data by updating your profile or contacting us.
• Right to Erasure: You may request deletion of your personal data, subject to legal and contractual retention requirements. Upon a valid request, we will delete or anonymise your data within 30 days.
• Right to Opt-Out: You may opt out of marketing communications at any time by clicking the "Unsubscribe" link in any email, or by contacting us. You may also withdraw consent for data processing, though this may affect our ability to provide services.
• Right to Nominate: Under the DPDP Act, you may nominate another individual to exercise your data rights in the event of your death or incapacity.

To exercise any of these rights, please contact us at privacy@jaldimoney.com.

6. Cookies

Our platform uses cookies and similar tracking technologies to enhance your browsing experience, analyse traffic, and personalise content. Cookies are small text files stored on your device when you visit our website.

For detailed information about the types of cookies we use, their purposes, durations, and how to manage your cookie preferences, please refer to our Cookie Policy.

7. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. Specifically:

• Active Accounts: Data is retained for the duration of your account and for a period of 5 years after account closure, as required by financial record-keeping regulations.
• Loan Applications: Application data is retained for a minimum of 8 years from the date of the last transaction, in accordance with RBI guidelines and the Prevention of Money Laundering Act (PMLA).
• Marketing Data: Subscriber and marketing event data is retained for 3 years from the date of last engagement, unless you request earlier deletion.
• Audit Logs: System and administrative audit logs are retained for 5 years for compliance and security purposes.

Upon expiry of the retention period, data is securely deleted or anonymised.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have inadvertently collected personal data from a child under 18, we will take steps to delete such information promptly. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@jaldimoney.com.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by posting the updated policy on this page with a revised "Last updated" date. For significant changes, we may also notify you via email or a prominent notice on our platform. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

You may also file a complaint with the Data Protection Board of India if you believe your data rights have been violated under the DPDP Act 2023.