Privacy Policy

STATEMENT ON PRIVACY

Welcome to Finfutech Solutions Private Limited (FSPL)’s Jumpp App. The domain name www.jumpp.finance (hereinafter referred to as "Website") is owned by FSPL, a company incorporated under the Companies Act, 1956, having its Corporate Office at 1108, Sector 21-B, Chandigarh, 160022 (hereinafter to be referred as “FSPL”). For the purpose of this Privacy Policy, wherever the context so requires the term "You" or "User" shall mean any natural or legal person including online and offline clients, competent to enter into contract in terms of the Indian Contract Act, 1872, and the term "We", "Us", "Our" shall mean FSPL’s Jumpp App.

By registering for or using the App/Site, you signify your acceptance of this privacy statement and voluntary submission of the Information and consenting to FSPL’s use of this information in terms of the Privacy Policy. If at any point in time, an individual provides data or other information about someone other than himself or herself, the individual warrants that they have that person’s consent to provide such information for the purpose specified. If you do not agree to this privacy statement, you cannot use the App/Site. We reserve the right to modify this Statement at any time by posting a notice on the Site’s home page. (If we consider it appropriate, we may also provide additional notice of significant changes.) Your use of the Site after the date of the last modification listed at the beginning of this Privacy Statement indicates to us that you agree to the changes.

At FSPL we are strongly committed to protecting the Information that you submit to us. This information is provided when you register to receive certain financial services or products from FSPL’s Jumpp App. TheInformation we get from you will help us provide you with improved services and products that match your needs as closely as possible and also form part of information required by Us to be collected under applicable law.

Information: Type, Collection and Use

“Information” which may be collected by FSPL and which is covered under this Privacy Policy includes data, message, text, images, sound, voice, codes, computer programs, software and data bases or micro film or computer-generated micro fiche, a representation of information, knowledge, facts, concepts or instructions which are being prepared or have been prepared in a formalized manner, and is intended to be processed, is being processed or has been processed in a computer system or computer network, and may be in any form (including computer printouts magnetic or optical storage media, punched cards, punched tapes) or stored internally in the memory of the computer. Information includes Personal Information and Sensitive Personal Data.

“Personal Information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person and includes “Sensitive Personal Data”.

'Sensitive Personal Data" would include Password; Financial information such as Bank account or credit card or debit card or other payment instrument detail; biometric information as provided to body corporate for providing service. However, “Sensitive Personal Data” shall not include such information which is freely available or accessible in public domain; or furnished under the Right to Information Act, 2005; or furnished under any other law for the time being in force.

With your explicit prior consent, Jumpp may seek access to facilities like camera, microphone, location, or any other necessity for onboarding/KYC/banking services requirements in connection with Bill Payments and Banking Products.

SMS Access and Usage

Jumpp requests access to your SMS messages for the following purposes:

• To securely send SMS messages from your device during the account setup process, as required for verification or authentication purposes.
• To automatically read One-Time Passwords (OTPs) sent by us during account setup, verification, and secure login.

How We Use Your SMS Data:

• We only access and process transactional SMS messages (e.g., those containing account updates, OTPs, or payment confirmations).
• We do not read or access personal or promotional SMSes.

Your Consent and Data Privacy:

• SMS access is requested with your explicit consent at the time of app setup or as required.
• We do not share, store, or misuse the content of SMS messages for purposes other than those stated here.

Collection of Sensitive Personal Data or Information:

FSPL, through its Jumpp App, may, for the purpose of rendering its services, collect store, process and transmit Personal information/Information such as:

• Name, gender, residential / correspondence address, telephone number, date of birth, marital status, email address or other contact information;
• PAN, KYC Status, Signature and Photograph;
• Bank account or other payment instrument details including financial information such as income tax returns, pay slips; or any other detail for providing services.
• Credit related information that is collected from other sources.
• Your unique identifiers such as username and password, preferences information and transaction history
• Any other Personal Information or Sensitive Personal Data.
• By sharing your phone number, you agree to receive service and promotional calls and messages from us. This consent will override any registration for DNC/NDNC.

We may also automatically receive and collect certain anonymous Information in standard usage logs through the web server/App, including mobile- identification information obtained from the equivalent of “cookies”, including mobile network information, standard web log information, traffic to and from our App and any other available information, from: An IP address, assigned to the device used by the User. The domain server through which the User accesses the App and the functions and features therein and the type of device used by User.

The Information We collect about You will depend on the products and services We offer, on an ongoing basis. The Information collected from You will be used in order to effectively provide Services to You. If You do not allow Us to collect all the Information, We may not be able to deliver all of these services effectively. We shall also be using the Information collected to effectively administer our website, manage our relationship with You, conduct data analyses, enforce Our terms of use and to prevent monitor and prevent fraud and to comply with our obligations under applicable law.

We may also collect personal data about You from third parties, such as data brokers or aggregators, in the course of its business activities including in connection with some client services or Your interaction with online targeted content (including advertisements). This includes demographic, professional and other Information that is available online publicly, including Information you choose to make public through social media platforms and/or other public online forums. We may combine this data with the existing Information We have about You or use it independently, for the purposes of our benchmarking and data analytics activities.

FSPL, through its Jumpp App, offers online platform System for availing financial products & services that require such personal data or information to process your financial and non-financial transaction requests. The information so collected may be shared with SEBI/ NSE/ BSE/ MCX /Asset Management Companies of Mutual Funds/Registrar and Transfer Agents/Collecting Banks/KYC Registration Agencies (KRAs)/Finvasia Group Companies and other third partyetc. solely for the purpose of processing your transaction requests or serving you better.

Under certain circumstances we may be required to share the information given by you with the third parties, where we feel they can contribute to add value and improve the quality of services imparted by us to you. We shall take all reasonable steps to ensure that the confidentiality of your information is maintained by imposing strict confidentiality standards on all the third parties with whom we part this information and also ensure that such third parties provide represent and warrant to maintain strict security standards as required under applicable law. In all circumstances we shall ensure that your personal information is protected by strict confidentiality agreement. We shall not allow any third parties to retain your personal information longer than what is warranted by the nature of services rendered. We would also impart your personal information wherever it is required to be disclosed under law to any of the governmental agencies or regulatory bodies. By agreeing to avail the service offered by FSPL through its Jumpp App, you have agreed to the collection and use of your Sensitive Personal Data or Information by FSPL. You always have the right to refuse or withdraw your consent to share/dissemination of your Sensitive Personal Data or Information by contacting the customer care. However, in such an event, you would no longer avail the services of FSPL or its Jumpp App. Withdrawing your consent will not affect the lawfulness of any processing We carried out before your withdrawal, nor will it affect processing of your personal data carried out in reliance on other lawful grounds other than consent.

You also have the option to place a request to FSPL to access and review the Personal Information provided by You and to correct or amend the inaccurate or deficient information. However, FFSPL shall not be responsible for the authenticity of the Information provided by You.

We shall not sell your personal information to any third party. However under certain conditions we would share this information:

• We share information as part of normal business operations, such as providing you with any services to which you subscribe, and any activity related to these services such as collecting fees for those services, and informing you about these services; as part of normal legal/regulatory purposes required by Regulatory and Government entities,
• And we may occasionally invite selected third parties to participate in offers we feel would be attractive to customers of FSPL.
• And additionally, We may disclose or transfer your Information in the case of a reorganization, sale, joint venture, merger, assignment, transfer, or other disposition of all or any portion of our business.

It may become necessary for FSPL to disclose your personal information to our agents and contractors, or to their subcontractors. However these parties would be required to use the information obtained from FSPL for such use exclusively. Your account information is protected by placing it in the secure portion of our website, which is why you need to enter your unique login username and password each time you want to access your account information.

Do help us protect your privacy by maintaining the secrecy of the username and password you use for any of our services. You are responsible for all actions that take place under Your User Account. If You choose to share your User Account details and password or any Personal Information with third parties, You are solely responsible for the same. If You lose control of your User Account, You may lose substantial control over your Personal Information and may be subject to legally binding actions.

Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so. We, at FSPL, acknowledge and accept that the personal details that you impart to us, is to be kept in strict confidentiality and to use the information only in the manner which would be beneficial to our customers. We consider our relationship with you as invaluable and strive to respect and safeguard your right to privacy. We shall protect the personal details received from you with the same degree of care, but no less than a reasonable degree of care, to prevent the unauthorized use, dissemination, or publication of this information as we protect our own confidential information of a like nature. We shall use the personal information to improve our service to you and to keep you updated about our new product or information that may be of interest to you. The information collected from you would be used in the right spirit and context in which it is intended to be used. Your information would be used by us to process your trading request for availing our products & services.

We understand clearly that You and Your Personal Information is one of our most important assets. We store and process Your Information including any sensitive financial information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules there under as also in strict compliance of THE DIGITAL PERSONAL DATA PROTECTION ACT, 2023 (NO. 22 OF 2023) Dated 11th August, 2023. If you object to Your Information being transferred or used in this way, please do not provide the details of your information on the Website/App.

We shall store all your Personal Information is stored only in servers located within India, while ensuring compliance with statutory obligations/ regulatory instructions.

We will use and retain Your Information for such periods as necessary to comply with Our legal obligations, resolve disputes, and enforce Our agreements.

All the Personal Information, including all the copies thereof will be destroyed post the completion of the business, legal or regulatory requirement. In case the data are stored in physical form, that is, CDs, DVDs, pen drive, tapes, etc., then the physical device storage shall be destroyed. In case the data are stored in digital form, then secure erasure of individual folders and/or files will be done.

To ensure security of access to the personal information and transaction details, the access to the secured zone of our website is restricted by the unique login ID and Password selected by you. You should be very careful in handling the ID and password and you should ensure that you do not reveal it to anybody, nor do you keep it in writing. You should keep changing your password periodically. We and our affiliates will share/sell/transfer/license/convey some or all of your personal information with another business entity to carry out any business activity or re-organization, amalgamation, restructuring of business or for any other reason whatsoever. Once you provide your personal information to us, you provide such information to us and our affiliate and we and our affiliate may use such information to provide you various services with respect to your transaction conducted on www.jumpp.finance.We are committed and assure to provide for the processing of digital personal data in a manner that recognises both the right of individuals to protect their personal data and the need to process such personal data for lawful purposes and for matters connected therewith or incidental thereto in accordance with the Guidelines contained in THE DIGITAL PERSONAL DATA PROTECTION ACT, 2023 (NO. 22 OF 2023) Dated 11th August, 2023.

When You use the Website/App or send emails or other data, information or communication to us, You agree and understand that You are communicating with Us through electronic records and You consent to receive communications via electronic records from Us periodically and as and when required. We may communicate with you by email or by such other mode of communication, electronic or otherwise.

GDPR:

Additional Privacy Policy for applicable subjects as per European General Data Protection Regulation This section is applicable to subjects as per the requirements of the European General Data Protection Regulation (“GDPR”) which comes into effect on May 25, 2018. This section is to be read in addition to the Privacy Policy, Terms of Use and any other Agreement entered into with FSPL by all visitors to the website and clients using the services of the company.

FSPL, through its Jumpp App handles two categories of data as mentioned above in this Privacy Policy, i.e. (1) Personal Information and (2) Non Personal Information. As per this Policy, FSPL and its Jumpp App shall have a right to use and disclose data obtained from all users/subjects in connection with visiting websites, support and/or use of the services of FSPL.

All users subjected to the GDPR guidelines agree to provide consent to this Policy. All users subjected to the GDPR, after giving written notice of stopping to use the services provided by FSPL, shall have the right to erase or correct such (1) Personal Information OR (2) Non Personal Information as processed by FSPL through its Jumpp App.

After giving a written notice, a user, who is subject to GDPR, shall have the right to receive Personal Information and Non Personal Information, which is provided to FSPL, through its Jumpp App, during the usage of company’s services, such that, this information may be used by another entity which is technically feasible by all parties to the maximum extent possible.

For sending across any notice pertaining to removal or requesting to receive all such Personal Information and Non Personal Information, such that, this information may be transferred to another entity/controller of such data as per the GDPR, all subjected users are required to write to complaint@fspl.com.

Cookies and Tracking Technology:

A cookie is a small data file that certain Web sites write to your hard drive when you visit them. Cookies cannot be used to run programs or deliver viruses to your computer. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. Cookies save your time, for example, if you personalize a web page, or navigate within a Site; a cookie recalls your specific information on subsequent visits. www.jumpp.finance also uses cookies to track user traffic patterns. We do this in order to determine the usefulness of our website information to our users and to see how effective our navigational structure is in helping users reach that information. You may accept or decline cookies. Most web browsers automatically accept cookies; however you can modify your browser setting to decline cookies. In addition to cookies, our site uses a variety of technical methods for tracking purposes, which may include web beacons. Web beacons are small pieces of data that are embedded in images on the pages of web sites. www.jumpp.finance also uses these technical methods to analyze the traffic patterns on our web site, such as the frequency with which our users visit various parts of our web site.

Therefore, We may use cookies and tracking technology to store non-personal (browser, internet service provider, operating system (OS), clickstream information etc.,.) and profiling information (age, gender, income etc.), use Information stored in the cookies to improve User experience by throwing up relevant content where possible or use the cookies to store User preferences to ease User’s navigation on the App.

Disclaimer as to Loss:

Although, we take appropriate steps to maintain the security and safety of Personal Information we collect from you. We also ensure to maintain compliance of Guidelines contained in THE DIGITAL PERSONAL DATA PROTECTION ACT, 2023 (NO. 22 OF 2023) Dated 11th August, 2023 to all possible extent. But you must understand that the open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. FSPL continuously strives to use commercially reasonable efforts in protecting such Personal Information. However, no method of transmission, whether in physical form or over the internet, or method of electronic storage is 100% secure and may be subjected to unintentional risks, due to reasons beyond the control of FSPL.

FSPL or/and its Jumpp App assumes no responsibility of whatsoever nature as to make good the losses and damages you may incur, due to privacy and/or security breach of your Personal Information.

Nothing on the App or the Privacy Policy in its contents is meant to give legal, data protection compliance, or other professional advice. We disclaim any liability for any loss resulting from reliance on the information or contents provided on this App or Privacy Policy.

Except for the historical information herein, statement in App or Privacy Policy, which includes words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to “, “future”, “objective”, “goal”, “likely”, “project”, “should”, “potential”, “will pursue”, and similar expressions or variations of such expressions may constitute “forward-looking statements”. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to diff er materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our liability to successfully implement our strategy, our growth and expansion plans, obtain regulatory approvals, our provisioning policies, technological changes, investment and business income, cash flow projections, our exposure to the market risks as well as other risks. FSPL does not undertake any obligation to update forward-looking statements to reflect events or circumstances after the date thereof.

Subject to Change

This Privacy Policy is subject to change and may be updated or revised from time to time, without any prior notification to the User, at the sole discretion of FSPL. It is the responsibility of the User to periodically review and revisit the Privacy Policy to determine whether there have been any revisions or updates. The last updated date of the Policy has been mentioned above for the reference of the User.

Notification Procedures

It is our policy to provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to You via email notice, written or hardcopy notice, or through conspicuous posting of such notice on the Website or service, as determined by FSPL in its sole discretion. We reserve the right to determine the form and means of providing notifications to you, provided that You may opt out of certain means of notification as described in this Privacy Policy.

Grievance Mechanism

You can file a complaint or share feedback if You are disappointed by services rendered by the FSPL. You can give complaint/feedback in writing or by way of an email to the following:

Name of the grievance officer: Mr. Kapil Sachdev

Address: FINVASIA Centre, D 179, Phase 8B, SAS Industrial Area, Mohali 160055

Email Id: Kapil.sachdev@finvasia.in

Grievance officer above shall receive, handle and process complaints from users as required under applicable law.

You agree to provide all necessary details and information and contact details for the grievance officer to reach out to You to receive the necessary details from You in a timely fashion.

Severability and Exclusion

We have taken every effort to ensure that the Privacy Policy adheres with the applicable laws. The invalidity or unenforceability of any part of the Privacy Policy shall not prejudice or affect the validity or enforceability of the remainder of this policy. This policy does not apply to any information other than the information collected by Us. This policy shall be inapplicable to any unsolicited information You provide Us through the Website or through any other means. All unsolicited information shall be deemed to be non-confidential and FSPL shall be free to use and/ or disclose such unsolicited information without any limitations.

Governing Law and Dispute Resolution

The Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of India. The courts at Chandigarh, India shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this policy.