Clarity about your information.
We use the information you provide to handle the services you request, coordinate authorised service providers and maintain appropriate records. Service-specific permissions, including any required credit bureau or sensitive-data consent, must be obtained separately where applicable.
Who we are
Jo Jo Money Solutions Private Limited (“JoJo Money”, “we”, “our” or “us”) operates jojomoney.in as a financial-services facilitation platform. This notice explains how personal data is collected and processed when you browse our website, request assistance, create an account, submit an application or use an activated service. We are not a bank or NBFC. Where a regulated third-party provider independently determines the purposes and means of processing, its separate privacy notice may also apply.
Scope of this notice
This notice covers website visitors, prospective customers, applicants, registered customers, support contacts and persons communicating with our team. It applies to loan assistance and, when activated, BBPS, insurance and travel facilitation. It does not replace a lender's, insurer's, bill-payment participant's, travel provider's or payment gateway's separate legally required disclosures.
Information we may collect
Depending on the service you request, information may include name, father's name where relevant, date of birth, mobile number, email, residential address, PIN code, PAN, employment, income, loan amount, existing EMI, preferred tenure, product interest, enquiry notes and supporting documents. We may also process consent records, application references, communication history, staff follow-ups, transaction references, account-login information, security logs, IP address, browser and device information. We collect only information relevant to a specified purpose and actual functionality.
How information reaches us
Information may be supplied directly through website forms, login and support channels; through telephone, email or WhatsApp interactions; from authorised business representatives; or from an integrated service provider when necessary for an authorised request. Where data is received from a third party, we expect the required lawful basis, notice and authorisation to be in place.
Why we use personal data
We use relevant data to acknowledge enquiries, assess completeness of submitted information, allocate requests to authorised staff, communicate about the service, facilitate suitable provider referrals, maintain application and transaction records, respond to complaints, prevent misuse, secure the Platform and fulfil applicable legal obligations. Optional promotional communication will be managed separately from essential service communication.
Loans and lender referrals
For a loan enquiry, our CRM may store submitted personal, contact, employment, income and requirement details. An authorised team member may contact you to complete missing information. Where appropriate and with required notice and consent, relevant data may be transmitted to a selected authorised lending institution for its own eligibility, verification and credit decision. We do not independently sanction loans. Credit bureau enquiries and any Aadhaar-related verification, if offered, require legally permitted arrangements and any specific consent mandated by law.
BBPS and payment information
If BBPS facilities are activated, relevant biller category, consumer/account identifier, transaction amount, status and payment reference may be processed by authorised ecosystem participants to fulfil and reconcile the transaction. Payment credentials should be entered only into the relevant secure, authorised payment interface. We do not claim to store complete card credentials or payment PINs.
Insurance-related information
When insurance facilitation is activated, information necessary to request a quote or proposal may be passed to the appropriate authorised insurer or intermediary subject to applicable consent and regulatory requirements. Health or other sensitive proposal information, where legitimately required, should be collected and handled only through a suitably authorised process. Policy underwriting and claims decisions remain with the insurer.
Travel-related information
When travel services are activated, traveller names, contact information, itinerary preferences and any identification information required by the provider may be shared with the authorised booking partner, carrier or accommodation provider to process a requested reservation. International travel may require additional provider disclosures and legally appropriate data-transfer arrangements.
CRM, staff access and internal controls
Website enquiries and applications may be recorded in the Company's customer relationship management system for handling, assignment, follow-up, status tracking and support. Access should be limited to authorised personnel according to their responsibilities. Security and audit logs may be maintained to investigate suspicious access and protect customer records. This notice does not represent that every planned technical control is already active.
Communication preferences
We may send service acknowledgements, application updates, document requests, security notices and complaint responses through appropriate channels. Optional marketing requires the consent and preferences applicable under Indian law. You may contact us to withdraw optional communication consent. Mandatory or transaction-related communications may still be sent where legally necessary.
Cookies and technical data
Our website or its hosting and integrated tools may use essential cookies or similar technologies for session continuity, preferences, fraud prevention and security. If optional analytics, advertising or non-essential tracking technologies are introduced, appropriate information and choices will be provided as required by law. Browser settings may allow you to control certain cookies, though disabling essential cookies can affect functionality.
Disclosure to third parties
We may disclose only relevant data, for specified lawful purposes, to selected authorised lenders, payment and BBPS partners, insurers or intermediaries, travel providers, hosting and communication vendors, professional advisers, or public authorities where legally required. Such disclosure is subject to applicable agreements, confidentiality, security, notice and consent requirements. We do not treat a general enquiry as permission for unrestricted sale or distribution of customer data.
Retention and deletion
Personal data is retained for as long as reasonably necessary for the notified purpose and for any applicable legal, regulatory, audit, dispute-resolution or contractual retention obligation. Once the applicable purpose and mandatory retention requirements end, data should be deleted or appropriately anonymised in accordance with the Company's operational retention schedule. A deletion request may be subject to lawful exceptions.
Security measures
We aim to use proportionate administrative and technical safeguards such as access controls, authentication, role-based permissions, transport encryption where supported, monitoring and incident response. No internet-based service can promise absolute security. Do not share OTPs, passwords or PINs with anyone, and promptly report suspected misuse to our official support channel.
Your privacy choices and rights
Subject to the Indian law in force and applicable exemptions, you may request information about relevant processing, seek correction or updating of inaccurate data, request erasure where legally available, withdraw consent for consent-based processing, and raise a grievance. Withdrawal does not automatically invalidate processing already lawfully completed or data that must be retained by law. Contact us using the details below; reasonable identity verification may be required.
Children's data
The Platform is not intended for independent loan applications by minors. If a service involving a child is lawfully offered, the applicable age, parental consent and other statutory requirements must be met before the relevant processing. Please contact us if you believe information about a child was submitted inappropriately.
Data incidents and regulatory obligations
Where a personal-data breach or other incident triggers a legal notification duty, we will follow the requirements and timelines applicable at the time of the incident. We may preserve relevant logs and cooperate with competent authorities where legally required.
Third-party websites and international processing
Links and integrations may lead to independently operated services with separate terms and notices. Any transfer or processing of data outside India, if undertaken, will be assessed against applicable legal restrictions and contractual safeguards. We do not represent that every integrated service stores all data exclusively in India.
Updates to this notice
We may revise this notice when our services, partners, technology or applicable legal requirements change. The updated version and effective date will be displayed on this page. Where a material change requires additional notice or consent, we will provide it as applicable.
Privacy contact and grievance
For a privacy enquiry, correction request, consent withdrawal or grievance, write to info@jojomoney.in, call +91 6389339000, or contact Jo Jo Money Solutions Private Limited, Jeetmal Gauri Datt Road, Chilbila, Pratapgarh, Uttar Pradesh 230403, India. Designated privacy/grievance contact: [INSERT VERIFIED OFFICER NAME AND EMAIL BEFORE PUBLICATION]. This notice does not restrict your right to seek remedies before a competent authority under applicable law.