Privacy Policy

1. Introduction

At Jagdamba Hire Purchase Company Limited (JHPL), your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you interact with our services, including our website, mobile application, and physical branches.

2. Information We Collect

We collect the following types of information:

• Personal Details: Name, address, contact number, email, citizenship/ID number, date of birth.
• Financial Information: Income, bank account details, loan history, guarantor details.
• Device and Usage Information: IP address, browser type, device used, login information.
• Location Data: If using our mobile app or location-based services.

3. Purpose of Data Collection

Your data may be used for the following purposes:

• To process loan applications, EMI collections, and account management.
• To verify your identity and creditworthiness.
• To communicate about your account, due payments, or new services.
• To comply with government regulations and financial laws.
• To improve our digital services (website/app) and customer experience.

4. Information Sharing

We may share your information with:

• Government/regulatory bodies when required by law.
• Partner banks, credit bureaus, or financial institutions (for verification purposes).
• IT and service providers involved in system operations and data processing.

Note: We do not sell or rent your personal data.

5. Data Protection and Security

We take the following steps to protect your information:

• Secure servers and encryption of sensitive data.
• Limited access to personal data within our company.
• Regular audits and data backup systems.

6. Your Rights

You have the right to:

• Access or update your personal information.
• Request deletion of your data (as permitted by financial law).
• Withdraw consent for non-essential services.

You may contact our office or send a written request for any of the above.

7. Use of Cookies (for digital platforms)

Our website/app may use cookies for analytics and to improve functionality. You can disable cookies via your browser settings.

8. Policy Updates

This policy may be updated from time to time. We will notify you through our website or other official channels.

9. Contact Information

For any queries or concerns about this Privacy Policy: