JORA CAPITAL SERVICES PRIVATE LIMITED

PRIVACY POLICY

Last Updated: April 25, 2026

1. INTRODUCTION

Jora Capital Services Private Limited (“Company”, “we”, “our”, or “us”), a company incorporated under the Companies Act, 2013, having its registered office at:

F No. 303, Bldg No. 9B, Mangal Murti Nagar, Gidraipada, Satiwai,
Thane, Vasai, Maharashtra, India – 401208

is committed to protecting and safeguarding your privacy.

This Privacy Policy explains how we collect, use, process, store, and protect your personal information when you access or use our website and services.

The Company operates as a Lending Service Provider (LSP) and facilitates loan applications on behalf of its partner NBFC, Salora Capital Limited. The Company does not lend money directly.

2. DEFINITIONS

“Company”, “We”, “Our”, “Us” refer to Jora Capital Services Private Limited
“User”, “You”, “Your” refer to any individual using our platform
“NBFC Partner” refers to Salora Capital Limited
“Personal Information” means any information that can identify an individual
“Third Party” means any entity other than the Company and the User

3. INFORMATION WE COLLECT

We collect only such information as necessary for loan facilitation and regulatory compliance:

3.1 Personal Information

Name
Mobile number
Email address
Date of birth
Gender

3.2 Financial Information

Income and employment details
Bank account details

3.3 KYC Information

PAN card
Aadhaar card (as per applicable laws)
Address proof
Photograph / video KYC

3.4 Credit Information

Credit score and credit history from authorized credit bureaus

3.5 Technical Information

IP address
Device type
Browser type
Usage data

Important Compliance Statement

We do NOT access or collect:

Contacts
SMS
Call logs
Media files (except voluntarily uploaded KYC documents)

4. HOW WE USE YOUR INFORMATION

Your information is used strictly for:

Processing loan applications
KYC verification and identity authentication
Sharing data with Salora Capital Limited for credit evaluation
Fraud prevention and risk management
Compliance with applicable laws and RBI guidelines
Communication regarding application status and services

5. CONSENT AND AUTHORIZATION

By using our platform, you:

Provide explicit consent to collect and process your data
Authorize sharing of your data with NBFC partners and credit bureaus
Confirm that the information provided is accurate and complete

6. INFORMATION SHARING AND DISCLOSURE

We may share your information with:

Salora Capital Limited (NBFC Partner)
Credit Information Companies (CIBIL, Experian, etc.)
KYC and verification agencies
Technology and payment service providers
Regulatory authorities, where required

Important

We do NOT sell, rent, or trade your personal data.

7. EXTERNAL LINKS

Our platform may contain links to third-party websites.
We are not responsible for their privacy practices. Users are advised to review their policies independently.

8. COOKIES

We use cookies to:

Improve user experience
Analyze platform usage
Enhance services

Users can manage cookies through browser settings.

9. DATA SECURITY

We implement reasonable security measures, including:

Data encryption
Secure servers
Access control systems
Continuous monitoring

However, no system is completely secure.

10. CONFIDENTIALITY

Your information is treated as confidential and will only be disclosed:

With your consent
For service facilitation
When required by law

11. DATA RETENTION

We retain your data:

As long as necessary for service purposes
To comply with legal and regulatory requirements
For audit and dispute resolution

12. USER RIGHTS

You have the right to:

Access your data
Request correction
Withdraw consent
Request deletion (subject to legal requirements)

13. SECURITY DISCLAIMER

While we follow industry standards, complete security cannot be guaranteed.

14. INDEMNITY

You agree to indemnify the Company against claims arising from:

Incorrect information provided by you
Unauthorized sharing of your data

15. SEVERABILITY

If any provision of this Policy is found invalid, the remaining provisions shall remain enforceable.

16. AMENDMENTS

We may update this Privacy Policy from time to time.
Continued use of the platform implies acceptance.

17. GRIEVANCE REDRESSAL MECHANISM

Grievance Officer
Jora Capital Services Private Limited
Email: support@joracapital.in
Phone: +91 88001 23456

Complaints will be resolved within 30 days.

18. RBI DISCLAIMER

Jora Capital Services Private Limited is a Lending Service Provider (LSP) and does not lend money directly.

All loans are provided by RBI-registered NBFCs, including Salora Capital Limited.

IMPORTANT NOTICE

Borrowing may involve financial risk. Users are advised to carefully assess their repayment capacity before applying for a loan.