Last updated: November 2026
1. This website
This website does not have customer accounts and does not store the details you type into our enquiry forms. When you submit a form, your details are placed into a WhatsApp message on your own device, and nothing is sent until you choose to send that message. Messages you send us on WhatsApp are handled under WhatsApp's own terms and privacy policy, and by our team as described below.
2. Information we collect when you enquire or apply
- Identity and contact details: name, mobile number, address, date of birth
- KYC documents such as Aadhaar, PAN and photographs
- Financial details: income, bank account details, existing loans and credit information
- Information about your business or employment, where relevant to the loan
3. How we use your information
- To respond to your enquiry and assess your loan application
- To verify your identity and comply with KYC and anti-money-laundering requirements
- To disburse and service your loan, including sending reminders and receipts
- To report to credit information companies and regulators, where required by law
4. Sharing your information
We do not sell your personal information. We share it only with credit information companies, regulators, banks and service providers who help us process your loan, or when required by law, and always with appropriate safeguards.
5. Keeping your information safe
We use reasonable technical and organisational measures to protect your information. Our staff will never ask for your OTP, UPI PIN or banking passwords.
6. How long we keep it
We keep your information for as long as needed for the purposes above and as required by law and regulation.
7. Your rights
You can ask to access or correct your personal information, withdraw consent where processing is based on consent, or raise a concern about how it is used. Write to us at jyothikamicrofinances@gmail.com.
8. Changes to this policy
We may update this policy from time to time. The latest version will always be on this page. For complaints, see our Grievance Redressal page.