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 safeguarding and protecting the privacy of its users.

This Privacy Policy describes 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 partner RBI-registered Non-Banking Financial Companies (NBFCs). The Company does not lend money directly.

2. DEFINITIONS

For the purpose of this Policy:

“Company” / “We” / “Our” / “Us” refers to Jora Capital Services Private Limited
“User” / “You” / “Your” refers to any individual accessing or using our platform
“Personal Information” means any data that can identify an individual
“Third Party” means any entity other than the User and the Company

3. INFORMATION WE COLLECT

We collect only such information as is necessary for lawful purposes connected with our services:

3.1 Personal Information

Name
Email address
Mobile number
Date of birth
Gender

3.2 Financial Information

Income details
Employment information
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 and operating system
Browser type
Website usage data

Important Clarification

We do NOT access or collect:

Contacts
SMS
Call logs
Media files (unless voluntarily submitted for KYC)

4. PURPOSE OF DATA USAGE

Your information is used strictly for legitimate purposes, including:

Processing and facilitating loan applications
Identity verification and KYC compliance
Sharing data with NBFC partners for credit evaluation
Fraud detection and risk management
Compliance with legal and regulatory requirements
Communication regarding application status and services

5. CONSENT AND AUTHORIZATION

By using our platform, you:

Provide explicit consent for data collection and processing
Authorize sharing of your data with NBFCs and credit bureaus
Confirm that the information provided is true and accurate

You may withdraw consent, subject to applicable laws and contractual obligations.

6. INFORMATION SHARING AND DISCLOSURE

We may share your information with:

Partner NBFCs – for loan processing and servicing
Credit Information Companies – such as CIBIL, Experian
KYC and verification agencies
Technology and payment service providers
Regulatory authorities where required

Important

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

7. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar technologies to:

Enhance user experience
Analyze platform usage
Improve services

Users may control cookie settings through their browser.

8. EXTERNAL LINKS

Our platform may contain links to third-party websites.

We are not responsible for the privacy practices or content of such external platforms. Users are advised to review their respective policies.

9. DATA SECURITY

We implement appropriate technical and organizational measures, including:

Encryption of sensitive data
Secure servers and infrastructure
Access control mechanisms
Regular monitoring and audits

However, no system is completely secure, and users should exercise caution while sharing information online.

10. CONFIDENTIALITY

Your information is treated as confidential and will not be disclosed except:

With your consent
For service facilitation
When required by law or regulatory authorities

11. DATA RETENTION

Your information is retained:

For as long as required to provide services
To comply with legal and regulatory obligations
For audit and dispute resolution purposes

12. USER RIGHTS

You have the right to:

Access your personal information
Request correction of inaccurate data
Withdraw consent (where applicable)
Request deletion (subject to legal requirements)

13. SECURITY DISCLAIMER

While we follow industry-standard practices, absolute security cannot be guaranteed.

14. INDEMNITY

You agree to indemnify the Company against any claims arising due to:

Incorrect or misleading information provided by you
Unauthorized sharing of your data with third parties

15. SEVERABILITY

If any provision of this Policy is held invalid, the remaining provisions shall continue in full force.

16. AMENDMENTS

We reserve the right to update this Privacy Policy at any time.

Changes will be posted on the website, and continued use of the platform constitutes acceptance of the updated Policy.

17. GRIEVANCE REDRESSAL

For any complaints or concerns:

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

All complaints will be addressed within 30 days.

18. RBI DISCLAIMER

Jora Capital Services Private Limited is a Lending Service Provider (LSP) and does not provide loans directly. All loans are offered by RBI-registered NBFCs.

IMPORTANT NOTICE

Borrowing may involve financial risk. Users are advised to carefully assess their repayment capacity before availing any loan.