Welcome to jebSathi. Your privacy is important to us, and we are committed to protecting the personal information you share while using our website and related digital services (collectively, the “Platform”).
This Privacy Policy explains current website handling and the intended framework for collecting, using, storing, sharing, and safeguarding information if lender-enabled application services launch. jebSathi does not currently accept loan applications. By accessing the website, you acknowledge this Policy.
1. Who We Are
jebSathi is a pre-launch technology platform being developed to operate as a Lending Service Provider for RBI-regulated lending institutions. jebSathi is not a lender; any future approval, pricing, tenure, sanction, and disbursal will be decided by the applicable lender. Throughout this Policy, “jebSathi,” “we,” “our,” and “us” refer to the website operator, while “you” and “your” refer to a website user or future applicant.
2. Information We Collect
The current website may collect limited technical and enquiry information. If application services launch, and only after appropriate notices and consent, the platform may collect the following categories where necessary for a lender-enabled journey and applicable law.
Personal Information
- Full name, date of birth, gender, photograph, and signature
- PAN Card details
- Aadhaar details, only where legally permitted and with appropriate masking where applicable
- Identity and address proof
Contact Information
- Mobile number and email address
- Residential address
- Alternate contact details, if provided
Employment & Income Information
- Occupation, employer details, monthly income, and employment type
- Business information, if self-employed
Financial Information
- Bank account details and bank statements
- Credit history, existing loan information, and repayment history
Technical Information
When you use our website, we may collect technical information such as your browser type, operating system, IP address, website usage information, error logs, and network information. This helps us improve performance, maintain security, detect fraud, and enhance the user experience.
3. Information You Provide
At present, we receive information you voluntarily provide by email or other published contact channels. If the application journey launches, this may also include information provided when you register, apply, complete lender-required KYC, upload documents, request support, or respond to an optional survey or campaign.
4. Information Received From Third Parties
If lender-enabled services launch, and where permitted by law and supported by applicable consent, information may be received from regulated lenders and approved service providers such as credit bureaus, KYC agencies, account aggregators, fraud-detection services, payment service providers, and regulatory databases. This would support identity verification, lender credit assessment, fraud prevention, and application processing.
5. How We Use Your Information
We may use your information to:
- Operate and secure the website
- Respond to enquiries and privacy requests
- If services launch, facilitate applications for lender evaluation
- Support lender-required identity and KYC verification
- Support lender credit assessment and fraud prevention
- Communicate application and servicing updates
- Support lender-controlled disbursal and permitted repayment workflows
- Improve services and customer experience
- Comply with legal and regulatory obligations
- Send service-related notifications and important updates
Where legally permitted, we may also send promotional communications. You may opt out of marketing communications at any time.
6. Consent
Where consent is the applicable basis, jebSathi will request clear, purpose-specific consent before collecting or sharing information for a lender-enabled journey. You may withdraw consent where legally permitted, although this may prevent the relevant feature or application from continuing.
7. Sharing of Information
We do not sell personal information. If lender-enabled services launch, information may be shared only where necessary, disclosed, and legally permitted with:
- Lending partners, banks, and financial institutions
- Payment gateway providers
- KYC and verification agencies
- Credit Information Companies
- Technology service providers and collection partners
- Government authorities or regulators when legally required
- Courts or law enforcement agencies in accordance with applicable laws
All disclosures are made only to the extent necessary for providing our services or complying with legal obligations.
8. Data Security
jebSathi is designing administrative, technical, and organizational safeguards appropriate to the information handled. Controls for any lender-enabled service will be reviewed before launch. No method of electronic transmission or storage is completely secure.
9. Data Retention
Website enquiry information will be retained only as long as reasonably necessary for the enquiry, security, dispute, or legal purpose involved. Retention periods for future lender-enabled services will be documented before launch and aligned with applicable lender, contractual, and legal requirements. Information will then be deleted or anonymized where permitted.
10. Your Rights
Subject to applicable laws, you may have the right to:
- Access your personal information
- Update inaccurate or incomplete information
- Request deletion where legally permissible
- Withdraw consent for optional data processing
- Raise concerns regarding the handling of your information
Certain requests may be limited where retention is required by law or regulatory obligations.
11. Cookies and Analytics
Our website may use cookies and similar technologies to improve functionality, remember preferences, analyze traffic, enhance security, and improve customer experience. You may disable cookies through your browser settings, although some features may not function properly.
12. Third-Party Services
Our Platform may contain links to third-party websites or integrate services provided by external partners. jebSathi is not responsible for their privacy practices, content, or policies. Please review their respective privacy policies before sharing personal information.
13. Data Breach Response
jebSathi is establishing a process to investigate, contain, document, and remediate data-security incidents and to notify affected people or authorities where applicable law requires it.
14. Changes to this Privacy Policy
We may revise this Privacy Policy from time to time to reflect legal, operational, or business changes. The latest version will be available on our Platform, and continued use constitutes acceptance of the updated policy.
15. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our handling of your information, contact:
jebSathi Support
Email: support@jebsathi.com
Website: www.jebsathi.com