Privacy Policy

1. Introduction

J. Financial Services ("JFS Finance", "Jay Ambe Vehicle Finance", "we", "us", or "our") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy outlines our procedures concerning the collection, storage, utilization, processing, and disclosure of information gathered through our website (https://jfsfinance.com), mobile interfaces, and offline branch interactions in Sakchi, Jamshedpur (Jharkhand) and Patna (Bihar).

2. Information We Collect

To evaluate loan eligibility, process pre-owned car or commercial vehicle financing, and comply with Know Your Customer (KYC) guidelines prescribed by regulatory authorities, we may collect the following categories of information:

• Identity and Contact Data: Name, father's name, date of birth, mobile number, email address, current and permanent residential address, PAN card, Aadhaar number (in redacted/masked format according to UIDAI guidelines), and voter ID/passport.
• Financial and Employment Data: Bank account statements, salary slips, Income Tax Returns (ITR), Form 16, employer details, or business registration certificates.
• Vehicle Details: Vehicle Registration Certificate (RC), vehicle chassis/engine numbers, insurance certificate, fitness certificate, and physical inspection reports.
• Credit Information: Credit bureau reports and history fetched from authorized bureaus (such as CIBIL, Equifax, Experian, or CRIF High Mark) with your explicit consent.
• Technical and Usage Data: IP address, device type, browser information, pages visited, and interaction timestamps gathered through analytical cookies to optimize portal performance.

3. Purpose and Legal Basis of Processing

We collect and utilize your personal information strictly for legitimate financial service operations, including:

• Verifying identity and creditworthiness for vehicle loans, refinancing, and loan-against-vehicle applications.
• Liaising with partnered lending institutions, banks, and NBFCs for underwriting, sanction, and disbursal.
• Vehicle hypothecation, RTO documentation, and post-disbursal loan administration.
• Sending transactional updates, EMI reminders, payment confirmations, and customer support notifications.
• Preventing fraudulent transactions and ensuring anti-money laundering (AML) compliance.

4. Information Sharing and Disclosure

JFS Finance does not sell, rent, or trade your personal data to commercial third parties. Data sharing is strictly confined to:

• Partner Banks and NBFCs: Authorized lending partners responsible for sanctioning and servicing your loan.
• Credit Rating Agencies: Authorized credit bureaus as mandated under the Credit Information Companies (Regulation) Act, 2005.
• Statutory and Government Authorities: Police, court orders, Reserve Bank of India (RBI), or law enforcement agencies when legally mandated.
• Technical Service Providers: Verified SMS gateway vendors, cloud database hosting facilities with encrypted data protocols, and customer care CRM platforms.

5. Data Storage and Security Measures

We implement industry-standard administrative, physical, and electronic security safeguards (including 256-bit SSL encryption, firewalls, and strict role-based access control) to protect your personal data from unauthorized access, loss, alteration, or misuse. All customer data is hosted on secure servers located within India.

6. Your Rights under DPDP Act 2023

As a data principal, you have the following rights regarding your personal information:

• The right to access a summary of your personal data processed by us.
• The right to request correction or updating of inaccurate or outdated information.
• The right to withdraw consent for marketing or promotional communications at any time.
• The right to grievance redressal regarding data privacy concerns.

7. Cookies and Analytics

Our website uses essential and analytical cookies to facilitate seamless navigation, remember session preferences, and measure website traffic. You may choose to disable non-essential cookies via your browser settings; however, certain site features may have reduced functionality.