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Last Updated: November 6, 2024
This privacy policy ("Privacy Policy”) is incorporated by reference into the Terms and Conditions (the “Terms and Conditions” or “Terms”).
Website https://www.myjar.app/ including its mobile application – Jar; (collectively referred to as the “Platform”) is owned and operated by Changejar Technologies Private Limited, (“Jar” “We” or “Us”) and Jar Gold Retail Private Limited (“JarGold” or “We” or “Us”) collectively referred to as the company (“Company”) to provide you the services.
This Privacy Policy applies to all the Users whose Personal Information has been processed by Us in the course of our business, mobile applications, forums, blogs, and other online or offline offerings.
We respect your privacy and hence handle your personal data with the utmost care and confidentiality.
By visiting the Platform, You (“You” or “Your”), accept and agree to be bound by the terms and conditions of this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms and Conditions of the Platform (“Terms”) and shall be read harmoniously and in conjunction with the Terms.
We respect your privacy and hence handle your personal data with the utmost care and confidentiality. Please read the Privacy Policy carefully prior to using or registering on the Platform or accessing/availing the services on the Platform inter alia is an online portal that facilitates the Users to purchase/sale/transfer gold and/or other precious metals in digital gold backed by gold bullions and coins with purity as mentioned (“Precious Metal”) operated and managed by Jar Gold Retail Private Limited”(hereinafter referred as “JarGold”) a company incorporated under the laws of India (“Services”).
This Privacy Policy specifies the type of information collected from You, the manner in which personal data and other information is collected, received, stored, processed, disclosed, transferred, dealt with or otherwise handled by the Company. This Privacy Policy does not apply to information that You provide to, or that is collected by, any third-party (excluding the Company or its Affiliates set out in paragraph 3 below) through the Platform, and any Third-Party Sites that You access or use in connection with the services offered on the Platform.
This Privacy Policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder. Further, this electronic record is generated by a computer system and does not require any physical, electronic, or digital signature and is a legally binding document between the You and Us. This Privacy Policy is published in compliance with Information Technology Act, 2000, Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”) and regulation 3(1) of Information Technology (Intermediaries Guidelines) Rules, 2011.
It is important that you read this privacy notice together with any other privacy policy or fair processing notice We may provide on specific occasions or when we are collecting or processing Personal Information about You so that You are fully aware of how and why we are using Your Personal Information. Additionally, we also recommend you to read the terms and privacy policy of Jar which can be accessed at https://www.myjar.app/terms-and-conditions and https://www.myjar.app/privacy-policy.
This privacy notice supplements the other notices/policy and is not intended to supersede them.
DISCLAIMER: DISCLAIMER- BY USING AND ACCESSING THE PLATFORM AND BY AVAILING THE SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU WILL BE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY THIS PRIVACY POLICY. YOU HEREBY CONSENT TO OUR COLLECTION, USE AND SHARING, DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD OR DELETE PORTIONS OF THE TERMS OF THIS PRIVACY POLICY, AT OUR SOLE DISCRETION, AT ANY TIME. IF YOU USE THE SERVICES ON BEHALF OF OR FOR THE BENEFIT OF SOMEONE ELSE OR ANY ENTITY YOU REPRESENT THAT YOU ARE AUTHORIZED BY SUCH INDIVIDUAL OR ENTITY TO (l) ACCEPT THIS PRIVACY POLICY ON SUCH INDIVIDUAL'S OR ENTITY'S BEHALF, AND (II) CONSENT ON BEHALF OF SUCH INDIVIDUAL OR ENTITY TO OUR COLLECTION, USE AND DISCLOSURE OF SUCH INDIVIDUAL'S OR ENTITY'S INFORMATION. BY VISITING THE PLATFORM, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS CONTAINED HEREIN, PLEASE DO NOT USE OR ACCESS OUR PLATFORM OR AVAIL ANY SERVICES ON THE PLATFORM. BY MERE USE OF THE PLATFORM, YOU EXPRESSLY CONSENT TO OUR USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY.
To provide you the Services, we collect, use and process your personal information (as defined below) including your sensitive information (as defined below). The types of personal information we may collect (directly from you or from Third-Party sources) and our privacy practices depend on the nature of the relationship You have with the Company and the requirements of applicable law.
In addition to the information that you provide us directly, we also collect information that You provide to Jar and other third parties for providing Services and for technology support like application programming interfaces (APIs) and embeds to make that information available in our database. . We may retrieve from Your records available with third party including from Know Your Customer (KYC) Registration Agency (KRA) such as name, KYC details, KYC status, father’s name, occupation, address details and related documents;
Also, please remember that the manner in which third party services collect, use, store and disclose Your information is governed by the terms and conditions and policies of such third parties, and Platform and/or Company shall have no liability or responsibility for the privacy practices or other actions of any third-party services that may be enabled within the Service.
If you would like to opt-out of the technologies we employ on our Platform, services, applications, or tools, you may do so by blocking, deleting, or disabling them as your browser or device permits.
The information collected allows Us to provide the Services and features on the Platform that most likely meet Your needs, and to customize the Platform to make Your experience safer and easier.
However, You can browse the Platform without telling Us who You are or revealing any Personal Information about Yourself. In such a case, we will only collect and store the non – Personal Information. Once You give us your Personal Information, You are not anonymous to Us. Wherever possible, while providing the information to Us, We indicate which fields are mandatory and which fields are optional for You. You always have the option to not provide the Personal Information to Us through the Platform by choosing to not use a particular Service or feature being provided by Us on the Platform, which requires You to provide such information. We may automatically track certain information about You based upon Your behaviour on the Platform. We use this information to do internal research on Your demographics, interests, and behaviour to better understand, protect and serve You. This information is compiled and analysed by the Company on an aggregated basis and not individually, in a manner that does not specifically identify You.
We use the Personal Information and other non-Personal Information, for the following:
Further to the above, You may also choose to provide Your explicit consent to connect/integrate Your email account(s) and/or registered mobile number with Your account on the Platform by clicking on the authentication email/message sent by the Company on Your registered email address and/or registered mobile number. You will be expressly asked in each case whether You want to connect Your email address and/or Your registered mobile number with Your account on the Platform. You can also choose to enable Our access to one or more of Your email accounts by connecting such account(s) with Your account on the Platform. Once connected, the Platform will securely access and analyze the emails and passwords and in case of registered mobile number, Your text messages, if any to populate and track Your investments details and history including those made through the account on the Platform and consolidate them at one place. Such data obtained by this integration will be used by the Company solely for providing the Services and improving Your experience of the features of the Platform and to consolidate your investment details and history. The Company hereby agrees and acknowledges that it shall not use or transfer any data or information received from the integration of the email addresses with the account on the Platform to third parties for serving ads, including retargeting, personalized, or interest-based advertising. However, we may share the same with Jar and its affiliates for providing you the Services.
You also specifically agree and consent to Us for collecting, storing, processing, transferring and sharing information (including Personal Information) related to You with third parties solely for the purpose of processing your transaction requests for the Services. Unless and until, You explicitly give Your consent to Us, to do so, We will not share Your Personal Information with another user of the Platform and vice versa.
We may make Your Personal Information and/or other non-Personal Information, and by agreeing to this Privacy Policy You consent to use and make available to Our partners, collaborators including third parties Jar to enable them to provide the Services and any other services provided through the Platform to You. Please note that all information shared with our partners, collaborators and affiliates or made available to our partners, collaborators affiliates will be governed by the terms of this Privacy Policy.
We may also disclose Your Personal Information to third party vendors, consultants and other service providers who work for the Company, who are bound by contractual obligations to keep such personal information confidential and use it only for the purposes for which We disclose it to them. This disclosure may be required for Us, for instance, to provide You access to Our Services and process payments including validation of Your bank accounts, to facilitate and assist Our marketing and advertising activities/initiatives, for undertaking auditing or data analysis, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to Our Services.
You also specifically agree and consent to Us for transferring and sharing your sensitive personal information (including your biometric data, financial information, passwords) related to You with Our partners, collaborators and its affiliates, third parties and other service providers solely for the legitimate purpose of proving you the Services.
We do not disclose Your Personal Information to third parties for their marketing and advertising purposes without Your explicit consent.
The Company may disclose Your information, to the extent necessary:
Our Platform may link You to other third-party Platforms (“Third – Party Sites”) that may collect Your Personal Information including Your IP address, browser specification, or operating system. The Company is not in any manner responsible for the security of such information or their privacy practices or content of those Third-Party Sites. These third-party service providers and Third-Party Sites shall have their own privacy policies governing the storage and retention of Your information that You may be subject to. Your sensitive and personal information shall be governed by the respective Third-Party Sites and the Company shall not be liable for the use or misuse of Your information. This Privacy Policy does not govern any information provided to, stored on, or used by these third-party providers and Third-Party Sites. We recommend that when You enter a Third-Party Site, You review the Third-Party Site’s privacy policy as it relates to safeguarding of Your information. We use third-party advertising companies to serve ads when You visit the Platform. These companies may use information (not including Your name, address, email address, or telephone number) about Your visits to the Platform and Third-Party Sites in order to provide advertisements about goods and services of interest to You. You agree and acknowledge that We are not liable for the information published in search results or by any Third-Party Sites.
Our Platform has reasonable security measures and safeguards in place to protect Your privacy and Personal Information from loss, misuse, unauthorized access, disclosure, destruction, and alteration of the information in compliance with applicable laws. Further, whenever You change or access Your account on the Platform or any information relating to it, We offer the use of a secure server. We cannot however ensure or warrant the security of any information You transmit to the Company or guarantee that Your Personal Information and/or other non-Personal Information provided for availing the Services or Platform may not be accessed, disclosed, altered or destroyed by a breach of any of Our security measures and safeguards.
It is further clarified that You have and so long as You access and/or use the Platform (directly or indirectly) the obligation to ensure that You shall at all times, take adequate physical, managerial, and technical safeguards, at Your end, to preserve the integrity and security of Your data which shall include and not be limited to Your Personal Information. When payment information is being transmitted on or through the Platform, it will be protected by encryption technology. You expressly consent to the sharing of Your information with third party service providers, including payment gateways, to process payments and manage your payment-related information. Hence, the Company cannot guarantee that transmissions of Your payment-related information or Personal Information will always be secure or that unauthorized third parties will never be able to defeat the security measures taken by the Company or the Company’s third-party service providers. The Company assumes no liability or responsibility for disclosure of Your information due to errors in transmission, unauthorized third-party access, or other causes beyond its control. You play an important role in keeping Your Personal Information secure. You shall not share Your Personal Information or other security information for Your account with anyone. The Company has undertaken reasonable measures to protect Your rights of privacy with respect to Your usage of the Platform controlled by Us and Our Services. However, We shall not be liable for any unauthorized or unlawful disclosures of Your personal information made by any third parties who are not subject to Our control.
We collect and store your data and Personal Information in AWS cloud as you use services and will retain the data for as long as necessary to fulfil the purposes for which it was obtained. Processed and non-identifiable data, however, will be perpetually stored.
To determine the appropriate retention period for Personal Data, we consider the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorised use or disclosure of your Personal Data, the purposes for which we process your Personal Data and whether we can achieve those purposes through other means, and the applicable legal requirements.
The Company will retain your Personal Data only as long as is reasonably necessary to fulfil the purposes for which the Personal Data was collected and processed and/or in accordance with legal, regulatory, contractual or statutory obligations as applicable or Company’s internal policies and procedures. At the expiry of such periods, your Personal Data will be deleted or archived in compliance with applicable laws.
Company is merely providing a distributor platform of JarGold that facilitate transaction of sale and investment for Users and will not be liable in any manner with respect to the products/ services allotted to You. You hereby agree and acknowledge that the data and information provided on the Platform does not constitute advice of any nature whatsoever and shall not be relied upon by You while making any savings decisions and You shall be solely responsible for any such decisions and for the purchase of any Precious Metal on the Platform. In no event shall the Company be liable to You for any loss or damage that may cause or arise from or in relation to these Terms of Use and/or due to use of this Platform or due to any saving made using this Platform. As part of the Platform Services provided to You, after availing such services, You agree to provide honest feedback/review about the concerned Platform Service, if required by the Company.
Your Consent: By visiting the Platform or setting up/creating an account on the Platform for availing the Services on the Platform at such time, You signify Your acceptance to the provisions of the Privacy Policy. You may choose to withdraw Your consent provided hereunder at any point in time. Such withdrawal of consent must be sent in writing to info@changejar.in. In case You do not provide Your consent or later withdraw Your consent, we request you not to access the Platform and/or use the Services and also reserve the right to not provide You any Services through the Platform. In such a scenario, the Company may delete Your information (Personal or otherwise) or de-identify it so that it is anonymous and not attributable to You. However, please note that Company reserves the right to refuse any request to exercise such rights to the extent permitted by applicable law.
We reserve the unconditional right to change, modify, add, or remove portions of this Privacy Policy at any time, without specifically notifying You of such changes. Any changes or updates will be effective immediately. You should review this Privacy Policy regularly for changes. Your acceptance of the amended Privacy Policy shall signify Your consent to such changes and agreement to be legally bound by the same.
If You have any privacy concerns, please feel free to reach out to the grievance officer, the name and contact details of this Officer have been provided below:
Name: Mr. Pankaj Parihar
Email: grievance-officer@changejar.in
He shall try to acknowledge the complaint within twenty-four hours and dispose of such complaint within a period of fifteen days from the date of receipt of complaint.
Effective as on 22nd April 2022
Registered Office address: No 752, 18th main, 6th block, 5th cross Koramangala Bangalore -560095.
“Personal Data or Information” means information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available to a body corporate, is capable of identifying a person.
“Sensitive Personal Data or Information” means such Personal Information which contains information such as (i) financial information such as bank account or credit card or debit card or other payment instrument details, (ii) sexual orientation, (iii) password and biometric information, (iv) medical records and history, (v) physical, physiological and mental health condition, (vi) any detail relating to the above clauses provided to Us for providing the Service, (vii) any of the information received under above clauses by us for processing, stored or processed under lawful contract or otherwise, (viii) visitor details as provided at the time of registration or thereafter; and (ix) call data records.
By providing Personal Information (including Sensitive Data) to us, you consent to the collection, usage, and disclosure of Personal Information (including Sensitive Data), as permitted by applicable laws. By using the Services, you are authorizing us to gather, parse data and retain basic data which are related to the provision of the Services.
We may use third-party service providers to monitor and analyse Your use of Our Services.
The Company does not knowingly collect or solicit personal information from children under the age of 18 (eighteen) and the Service or any services on the Platform and its content are not directed at children under the age of 18(eighteen). In the event that we learn that we have collected personal information from a child under the age of 18 (eighteen) without verification of parental consent, we will delete such information as quickly as possible. If you believe that we might have any information from or about a child under 18(eighteen). Please contact us at grievance-officer@changejar.in.
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