Privacy Policy

We are sensitive to the scenario that we would be dealing with data and information of a personal nature. By using our Website and related mobile applications (also referred as “we”, “us”, “our” and “Jiwani” or “Jiwani ”, as the context may necessitate), you tend to provide Personal Information of you and your family (also referred as “you”, “your”, “yours” or the “User”, as the context may necessitate). You consent to the terms of our online Privacy Policy and to our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to our services. We request you to read this Policy in accordance with Terms and Conditions and to use these to make informed decisions.

This Privacy Policy sets out how Jiwani uses and protects any information that you provide when you use Our Website for any transaction. We are committed to ensuring that information shared by you is protected and we assure You that it shall solely be used in accordance with this Privacy Policy.

Information that we collect and that you provide

  • Privacy

    Your privacy is of utmost importance to us. We follow systematic and stringent procedures to protect the security of the information / data shared with us and stored on our Website/App. The information that you have shared on our Website/App is stored in secure server with encryption and can be accessed only for official purposes. Any of our employees who violate our privacy and/or security policies related to customer’s data is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.

  • Registration

    Upon signing up on our Website/App, You are required to provide us with certain basic mandatory information inter-alia your name, date of birth and mobile number, details we never request more information than is reasonably necessary to provide requested services. We assume all the information provided by you is true, accurate, current, non-misleading, consistent and relevant. Once the registration process is completed, the said mobile number and password can be used to access your account every time you visit our Website/App.

  • Personal Information

    Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as:

    • Your full name, address, e-mail address, mobile number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request
    • Details of any transactions that you carry out through our Website or application using your Jiwani and of the fulfillment of your requests
    • Details of any credit, debit or other card used by you for transactions
    • Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, and password, available balance and transaction history of your bank account), TAX certificates or any other income documents as necessary by us
    • Any correspondence sent by you to us
    • Survey that you complete through the Website/App or based on our request
    • Your participation in any promotion sponsored by us
    • Calls that we make to you or you make to us
    • Information collected through Cookies
    • Your IP address, log-in times, operating system and browser type
    • Details of your visits to our Website/ mobile application including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that You access whilst visiting our Website or mobile application
  • Information Collected by Merchants

    Jiwani shall engage independent merchants to provide certain services and products related to our Website/App. Access to any of your Personal Information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services for us. We also insist that these merchants protect your Personal Information in a manner consistent with this Privacy Policy and that the merchants shall not use or disclose your personal information for any purpose other than providing us with the products or services for which We have contracted. We will not sell, distribute or lease your Personal Information to merchants unless:

    • Required by law such as to comply with AML/CFT, or similar legal process. To the extent we are legally permitted to do so, we will take commercially reasonable steps to notify you in the event that we are required to provide your personal information to Merchants as part of legal process
    • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a written government request.
    • If Jiwani becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, We will provide notice before personally identifying information becomes subject to a different privacy statement
    • To any other Merchant with Your prior consent to do so.
  • Information Collected by Third Party AD Servers

    Third-party ad servers or ad networks may serve advertisements on the Website/App. These third-party ad servers or ad networks use technology to send, directly to your browser, the advertisements and links that appear on Jiwani . They automatically receive Your IP address when this happens. They may also use other technologies (such as cookies, JavaScript, or Web Beacons) to measure the effectiveness of their advertisements and to personalize the advertising content. Jiwani does not provide any personally identifiable information to these third-party ad servers or ad networks without your consent. However, please note that if an advertiser asks us to show an advertisement to a certain audience or audience segment and you respond to that advertisement, the advertiser or ad-server may conclude that you fit the description of the audience they are trying to reach. You should consult the respective privacy policies of these third-party ad servers or ad networks. This Privacy Policy does not apply to, and we cannot control the activities of, such advertisers.

  • Use of Personal Information

    We use personal information to provide you with services & products you explicitly requested for, like the following:

    • To carry out Your instructions for making and receiving payments and undertake transactions using our services, including verifying that you have sufficient funds in your Jiwani to make such payments
    • To operate and administer your Jiwani for providing services that you have requested
    • To notify you about changes to our service(s)
    • To comply with financial services regulations including retention of financial information and transactions
    • For customer service, including answering questions and responding to feedback and complaints
    • To provide you with information, products or services that you request from us or which we feel may interest you.
    • To provide you with information, products or services that you request from us or which we feel may interest you.
    • To allow you to participate in interactive features of the website or mobile application
    • To improve our internal customer training
    • For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks
    • To enhance the security of our services
    • To send you offers based on your previous orders and interests
    • To complete optional online surveys which may ask you for contact information and demographic information (like zip code, age, gender)?
  • Retention of Data

    Jiwani is required, under applicable laws, to retain certain records for a period as suggested by regulatory authorities even after closure of your Jiwani , which will include your personal data such as your name, contact details, customer number and transaction history, ("Retained Data"). Other than the Retained Data, We will delete and destroy all Personal Information that we hold about you when you (or we) terminate your Jiwani . We do not store your online banking login PIN, and/or password. Please note that we will not store your credit card information.

    Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from us requesting your personal or security details, please do not respond to it ("Such E-mail"). Please forward any Such E-mail to and thereafter delete the e-mail immediately.