Janalakshmi Financial Services

Privacy policy

We, at Janalakshmi Financial Services (JFS) respect and value the trust bestowed by our customers and visitors. We are committed to protect the privacy rights of the visitors of our JFS website, WAP site and mobile application. This Privacy Policy mentions about the personal information collected from you and the way it will be stored and used. By visiting JFS’s website, WAP site and mobile applications you expressly and unconditionally give us consent to the terms of this Privacy Policy governing collections, use and disclosure of your personal information. Kindly do not use or access the JFS website, WAP site and mobile applications if you do not agree to the terms of this Privacy Policy.

We categorize information about you, collectively and independently shall be, referred to as “Personal Information” as follows:

  1. Profiling Information: Information which you provide when you register for a Service, which may include some or all of the following: – Information about your personal identity such as gender, marital status, age, preferences, likes and dislikes etc.; aYour contact details such as your physical addresses, postal addresses, telephone and fax numbers and the like. – In the case of Facebook aligned services (if so opted by you), publicly available information of your friends, their likes and dislikes, etc.
  2. Service Usage: Information about your navigation using our Services, for example the URLs of websites, which you visit and from which you request downloads.
  3. Log Information: Information such as your web request, IP address, browser type, browser language, date and time of request.
  4. Correspondence Information:  Content, information about your correspondents, and the destination/origin of communications between you and any other person using our Services, which include email communications, blog, chat room and discussion board communications, instant message communications, experts forum communications, faxmail communications, membership of mailing lists etc.
  5. User IDs: Your usernames, passwords, email addresses and other security-related information used by you in relation to our Services.
  6. Stored Information:  Data either created by you or by a third party and which you wish to store on our servers such as image files, documents etc.

By accepting the terms of this Privacy Policy you agree that we may collect, store and use your Personal Information as long as you use our Services subject to the limitations set out in this Privacy Policy.

We collect your Profiling and Account Information for the following reasons:

  1. We need your identity details, contact details to manage our relationship with you and provide Services to you. We may use this information for suggesting features that you might like on our website. We will only disclose this information as provided below.
  2. We use certain of your information in an aggregated form to compile statistical and demographical profiles for our product and marketing activities. We may disclose such information about you, provided that the information is in an aggregated form that is not capable of being used or interpreted in such a manner as to identify you.

We collect and store your Service Usage Information to:

  1. to administer our relationship with you.
  2. comply with any statutory or regulatory requirement.
  3. compile statistical and demographical profiles about you for our business and marketing activities and to customise our Services to you. While we are entitled to use such information about you for our own internal business purposes without limitation, we will only disclose it in an aggregated form which is not capable of being used or interpreted in such a manner as to identify you; and
  4. monitor your use of our Services for the purposes of ensuring compliance with our Terms of Service.

We collect and store your Correspondence Information and Personal Identifiers to:

  1. comply with our obligations under law; and
  2. monitor your use of our Services in order to ensure your compliance with our Terms of Service. Any Personal Information which we collect and which we may use in an aggregated format ensuring you are not individually identified is our property.

Sometime we use “cookies” so that we can provide you with more customised information when you return to our website. “Cookies” are used to store user preferences and to track user trends, so as to enhance your interactive experience and generally improve our Services to you.

You can set your browser to notify you when you are sent a “cookie”, giving you the chance to decide whether or not to accept it. If you do accept a “cookie”, you thereby agree to our use of any Personal Information collected by us using that Cookie. You may update your Profiling Information at any time on the website. You acknowledge and agree that in the interests of improving personalisation and Service efficiency, we may, under controlled and secure circumstances, share your Personal Information with our affiliates (an entity which is our subsidiary or holding company or a subsidiary of our holding company or an entity which controls, is controlled by or is under common control with us).

Use of Information

Protecting your privacy is very important to us. We have accordingly developed this Privacy Policy to protect your personal information and keep it confidential. We take all reasonable step to protect your rights of privacy on systems, website, WAP site and applications controlled by us. But we are not liable for any unauthorised or unlawful disclosures of your personal and confidential information made by third parties who are not subject to our control, for example advertisers and websites that have links to our website and applications. You should take note that the information and privacy practices of our business partners, advertisers, sponsors or other sites to which we provide hyperlinks, may be different from ours.

We collect, store and use your Personal Information to provide you with services and products explicitly requested by you. We also collect, store and use your Personal Information to conduct our business and to enable us to deliver and improve our Services. We do not for any reason whatsoever sell your Personal Information to any third party or otherwise trade on it.

We will only disclose your Personal Information in accordance with this Privacy Policy. If we want to use it for any other purpose, we will obtain your prior written consent. If you decline to submit personal information to us, then we will unfortunately not be in a position to provide the Services to you. Any of your information which you provide when you use certain Services and are to an open, public environment or forum including (without limitation) any blog, community or discussion board, is not confidential, does not constitute Personal Information, and is not subject to protection under Privacy Policy. Since such public environments are accessible by third parties, it is possible that third parties may collect and collate and use such information for their own purposes. You should accordingly be careful when deciding to share any of your Personal Information in such public environments. Information, which is disclosed publicly, is also shared with our affiliates, third party service providers, sponsors of competitions etc. unless expressly stated otherwise. We are not liable to you or any third party for any damages that you or any third party may suffer howsoever arising from your disclosure of Personal Information in any public environment. You accordingly disclose information in a public environment at your own risk.

General Exceptions

If we are required to intercept, disclose, monitor and/or store your Personal Information:

  1. by law;
  2. to conduct our business;
  3. to secure our systems; or
  4. to enforce our own rights, we will do so in the manner as prescribed by law.

Such interception, disclosure, monitoring and storage may take place without your knowledge. In that case, we will not be liable to you or any third party for any damages howsoever arising from such interception, disclosure, monitoring and storage. In order to ensure that all our Users comply with the Terms of Service, we may monitor your Personal Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance. To ensure that the security and integrity of our Services are safeguarded, we may monitor your Personal Information. This monitoring may include (without limitation) the filtering of incoming and outgoing electronic data messages to identify, limit and/or prevent the transmission of spam, viruses and/or unlawful, defamatory, obscene or otherwise undesirable material or content. We may under certain circumstances procure an element of the Services from a third party service provider. To the extent that it may be necessary, and solely for the purposes of providing the Service to you, you agree that we may disclose to such third party any of your Personal Information that may be necessary for the procurement of services from the third party.

Security of Information

JFS will take all the appropriate precautions and the requisite security measures that are technically feasible to protect your information to prevent any unauthorized access, unauthorized use, loss, abuse, misuse or alteration of your information. We restrict and regulate access of your personal information (name, email, location) to our employees, contractors and agents who need to know the information in order to operate, develop or improve our services.

Links to other website, WAP site and mobile application

TheJFS website, WAP site and mobile application may contain links to third party websites, WAP site and mobile applications that are not controlled by JFS. These third party links are available to you as a convenience and you agree to use these links at your own risk. Please be aware that JFS is not responsible for the content or privacy practices of third party websites, WAP site and mobile application linked to any of JFS’s proprietary links.


This Privacy Policy shall apply uniformly to JFS’s website, WAP site and mobile applications. This Privacy Policy is subject to change at any time without prior notification and by accessing the JFS website, WAP site and mobile application, it is deemed that you are aware of the new/changed privacy policy and that you have consented to it. To make sure that you are aware of any changes, kindly review the policy periodically. If you have any questions about our privacy policy kindly contact us at customercare@janalakshmi.com