These Terms apply to the JoJo Money website and associated facilities. Specific transactions may also be governed by the terms and mandatory disclosures of the relevant authorised lender, BBPS participant, insurer or travel provider.
BBPS, insurance and travel transactions are subject to partner integration, permissions and activation. The presence of a category on the website does not mean live transactions are available.
General platform terms
01. Introduction & acceptance
These Terms and Conditions (“Terms”) govern access to jojomoney.in and associated facilities operated by Jo Jo Money Solutions Private Limited (“JoJo Money”, “Company”, “we”, “us”). By using the Platform, requesting a callback or submitting an enquiry, you acknowledge these Terms. Where law requires separate, specific consent, use of the Platform alone will not replace that consent. If you disagree, discontinue the relevant Service. Read these Terms alongside the Privacy Notice, applicable service disclosures and the terms of the authorised provider.
02. Company status & scope
JoJo Money is a financial services facilitator and may act as a Lending Service Provider (“LSP”) pursuant to agreements with relevant regulated lenders. We are not a bank or NBFC and do not independently sanction or disburse loans. We do not hold ourselves out as an insurer, payment system operator, carrier or railway operator. Services are available only when the required partner integrations, contractual arrangements and legal permissions are active.
03. Services offered
The Platform covers four service areas: (i) loan enquiry and application assistance; (ii) BBPS bill payment facilitation; (iii) insurance-related facilitation; and (iv) travel search and booking assistance. A service marked “coming soon” is informational and does not accept or complete live regulated transactions. Availability, functionality and third-party partners may change.
04. Eligibility & authority
Users must have the legal capacity to contract under applicable Indian law. Loan applicants must ordinarily be at least 18 years old and meet the relevant lender’s eligibility requirements. Anyone acting for an entity warrants that they are authorised to do so.
05. Registration & account security
Provide accurate information and protect passwords, PINs, OTPs and other credentials. Do not share them with callers or staff. Report suspected unauthorised access promptly. We may apply proportionate security checks and restrict suspicious access subject to applicable law.
06. Information & documentation
You warrant that information and documents supplied are accurate, current, genuine and lawfully obtained. We may request corrections or additional information and pause a request where verification is reasonably required. False identity, fabricated income evidence and misleading records are prohibited.
07. Communication & consent
When you submit an enquiry and provide relevant consent, we may contact you about that enquiry through permitted calls, email, SMS, WhatsApp or in-platform notices. Marketing communication requires any separate consent applicable under law. Optional consent can be withdrawn through our support channels; withdrawal does not automatically cancel an existing lawful transaction or mandatory service communication.
Loan assistance
08. Nature of facilitation
We assist with loan enquiries, preliminary information, document coordination, application tracking and referral to participating authorised lenders. Products may include personal, business, MSME, home, education, vehicle, gold, loan against property, working capital and other products actually supported by active lender arrangements.
09. No approval guarantee
Submitting an enquiry does not create a right to credit. Eligibility, underwriting, interest, charges, security, tenure, sanction, rejection and disbursement are determined by the respective lender. Illustrative rates, amounts and EMI calculations are estimates until confirmed in official lender disclosures.
10. Application & lender referral
With appropriate notice and consent, we may collect identity, contact, employment, income, obligation and loan requirement information and share necessary application information with selected suitable lending institutions. We do not override lender decisions. We do not distribute sensitive customer documents indiscriminately to all lenders.
11. Credit information & KYC
Credit bureau access, KYC, identity verification and related assessments are performed only through authorised arrangements and applicable specific notice or consent. A general callback consent is not blanket permission for unrestricted bureau checks or third-party sharing.
12. KFS, APR, charges & repayment
Review the lender-issued Key Facts Statement (KFS), Annual Percentage Rate (APR), repayment schedule, processing charges, penal charges and final agreement before accepting an offer. Mandatory lender disclosures and applicable law prevail. Do not transfer loan fees or instalments to personal accounts or unauthorised UPI IDs.
13. Servicing & EMI tracker
Where permitted by the lender, we may assist with application status, documentation, communication and repayment information. An EMI tracker on our Platform is a convenience feature and does not supersede the lender’s official loan account statement. Discrepancies must be reconciled with the lender.
BBPS & bill payments
14. Bill payment facilitation
Once activated, BBPS-related facilities will be provided through authorised ecosystem participants and approved technology arrangements. Supported billers and categories depend on the operating partner and biller availability. A displayed category does not guarantee a live payment facility.
15. Customer payment details
Check the biller name, consumer/account number, payment amount and transaction details before confirming. You are responsible for details you provide, without prejudice to rights and remedies under applicable law.
16. Processing & confirmation
A debit from your payment instrument alone does not establish successful bill settlement. Confirmation depends on the relevant payment system, biller and provider records. Transactions may be pending during outages or reconciliation. Any legally permissible fee or tax will be displayed before confirmation.
17. Failures, refunds & disputes
Failed, duplicate or disputed transactions are handled under the applicable BBPS/payment-provider framework and law. Refund timing depends on the payment channel and transaction status. Retain the reference number and receipt and contact support for assistance.
Insurance facilitation
18. Authorised insurance arrangements
Insurance services will be offered only through legally permitted arrangements with appropriately authorised insurers or intermediaries and subject to applicable IRDAI requirements. An enquiry or quotation is not a policy and does not constitute insurance coverage.
19. Policy terms & exclusions
Premiums, benefits, waiting periods, exclusions, deductibles, coverage limits, renewals and cancellation rights are governed by the official policy documents. Read the proposal form, Customer Information Sheet and policy wording carefully.
20. Underwriting & claims
Policy acceptance, underwriting, issuance, claim assessment and settlement remain with the insurer under applicable law. We cannot independently approve a policy or guarantee a claim.
21. Cancellation & refunds
Free-look rights, cancellation and premium refunds follow the insurer’s policy terms and applicable regulations. Our role is limited to lawful assistance under our arrangement.
Travel services
22. Travel partner role
Once activated, we may facilitate bus, rail, flight, hotel and related bookings through authorised providers and aggregators. We are not the underlying carrier, railway operator or accommodation owner.
23. Reservation confirmation
A search result, fare quote or payment initiation is not a confirmed booking. Confirmation occurs only when the relevant provider issues a valid ticket, PNR or booking reference. Availability, prices and taxes may change before confirmation.
24. Traveller information
You must supply accurate passenger names and details matching required identity documents and comply with passport, visa, entry and other travel requirements where relevant.
25. Changes, cancellation & refunds
Cancellation, rescheduling, missed departures, no-shows, supplier deductions and refunds are governed by the relevant carrier, hotel, booking partner and applicable law. Fees will be disclosed where applicable; we cannot guarantee a refund outside those rules.
26. Disruptions
Weather, technical failures, government restrictions, strikes and supplier changes can affect journeys. Available remedies are determined by applicable law and the provider’s terms; we will assist within our lawful contractual role.
Payments, privacy & security
27. Fees & payment authorisation
Any fee lawfully payable to JoJo Money will be separately identified before payment. We will not impose undisclosed charges. Where applicable lending rules prohibit collecting an LSP fee from a borrower, those rules prevail.
28. Personal data & privacy
We process personal information for specified lawful purposes including enquiries, communication, identity verification where authorised, application facilitation, transaction administration, fraud prevention and compliance, as explained in our Privacy Notice. Required notice, consent, withdrawal and other rights are handled under applicable Indian law. Data is not indiscriminately shared with unrelated parties.
29. Third-party platforms
Separate terms and privacy practices may apply to integrated lender, biller, insurer, travel and payment platforms. This does not exclude any legal responsibility that JoJo Money must retain for its own conduct or that of persons for whom it is legally responsible.
30. Prohibited use & cybersecurity
Do not impersonate others, forge documents, misuse accounts, attempt unauthorised access, deploy malicious software, scrape protected information without permission or abuse personnel. We may investigate and impose proportionate access restrictions.
31. Intellectual property & availability
Company branding, design, content and software are protected by applicable law. Access grants no ownership rights. Reasonable efforts are made to maintain availability, but maintenance, outages and security incidents may cause interruptions.
Legal & grievance provisions
32. Limitation of liability
To the extent permitted by law, we are not liable for indirect or consequential loss arising solely from events beyond our reasonable control. Nothing excludes liability for fraud, wilful misconduct, mandatory statutory duties, non-excludable consumer rights or our own legally attributable acts and omissions.
33. Complaints & grievance redressal
Send complaints with the relevant enquiry or transaction reference to info@jojomoney.in or call +91 6389339000. Postal address: Jo Jo Money Solutions Private Limited, Jeetmal Gauri Datt Road, Chilbila, Pratapgarh, Uttar Pradesh 230403, India. Designated Grievance Officer: [INSERT VERIFIED NAME]; grievance email: [INSERT VERIFIED EMAIL]. Regulated lender, insurer or payment-provider complaints may also follow their applicable escalation framework. Nothing prevents access to a competent regulator, ombudsman or consumer forum.
34. Force majeure
Performance may be affected by extraordinary events beyond reasonable control, subject to applicable law. This clause does not extinguish non-excludable refund, consumer or statutory rights.
35. Changes to terms
We may revise these Terms to reflect service, operational or legal changes. Material updates will be communicated where required. Revisions do not retrospectively remove accrued statutory rights or alter third-party contracts without lawful basis.
36. Severability
If a competent authority finds one provision invalid or unenforceable, the remaining provisions continue to the extent permitted by law.
37. Governing law & disputes
These Terms are governed by Indian law. Subject to mandatory jurisdiction, consumer protections and statutory remedies, disputes directly arising under these Terms may be brought before competent courts having territorial jurisdiction over Pratapgarh, Uttar Pradesh. Access to competent regulators, ombudsmen and consumer forums remains unaffected.
38. Contact information
Jo Jo Money Solutions Private Limited · Jeetmal Gauri Datt Road, Chilbila, Pratapgarh, Uttar Pradesh 230403 · Email: info@jojomoney.in · Phone: +91 6389339000 · Website: https://jojomoney.in.