This Privacy Policy is incorporated by reference into ChangeJar /Jar Terms of Service (the “Terms”).

Website myjar.app and/or the mobile application ‘Jar’ (collectively referred to as the “Platform”) is owned and operated by Changejar Technologies Private Limited, a private limited company having its registered office at No. 752, 18th main, 6th block, 5th cross Koramangala Bangalore-560095 together referred to as “Company”, “We”, “Us” or “Our”.

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 (“Privacy Policy”). This Privacy Policy is incorporated into and subject to the terms of use of the Platform(“Terms”) and shall be read harmoniously and in conjunction with the Terms.

1. INFORMATION WE COLLECT

1.1 Sensitive Data and Personal Information: In general, We may collect Personal Information, including Sensitive Data.

“Personal Information” means individually identifiable information that directly or indirectly, in combination with other information would allow the identification of a specific living person.

“Sensitive Data” means Your Personal Information such as financial information such as bank account details and/ or any other payment instrument details, sexual orientation, any details that may have been voluntarily provided by You and any of the information received under above clauses by Us in connection with availing the Services.

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.

1.2 Personal Information: We may collect and process your Personal Information, including but not limited to the following:

1.2.1 Information provided by you at the time of registration such as your name, address, email ID, phone number, bank account details, financial information, unique identifiers, and preferences information including favourites and history;

1.2.2 Information that you provide to us directly via email and/ or electronic communication;

1.2.3 Your bank account statement provided by you through the upload feature during the onboarding process on Jar Platform to assess your creditworthiness;

1.2.4 Your live selfie for your identity check and verification with your KYC documents. The image captured through this selfie may be shared with third party for the purpose mentioned in Clause 3.3 herein;

1.2.5 Information that you provide to us over telephone. We may make and keep a record of such information shared by you;

1.2.6 Information that you provide to us in physical form whether sent through post and / or courier and / or handed over to our representatives in person;

1.2.7 Any other additional information required to be provided via email/ electronic communication/ telephone/ post/ courier after your registration; and

1.2.8 Hardware model, operating system and versions and identifiers like IMEI number and serial number of your primary device used for availing Services.

1.2.9 Information from other sources.‍

1.3 Domain Name and IP Address: We may collect your domain name which is linked to every computer/ mobile device connected to the internet and a set of numbers that serve as that computer’s Internet Protocol or “IP” address. When you request a page from any page within the Website, our web servers automatically recognize your domain name and IP address. The domain name and IP address does not reveal any further information about you other than the IP address from which you have accessed the Website.

1.4 Cookies: If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of this website. Cookies can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits.
We use cookies on our website in order to personalize our service to you. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. Unless you have adjusted your browser setting to refuse cookies, our system will issue cookies when you log on to the website.

1.5 SMS: We do not collect, read, store or share with third parties your personal SMS, other than the SMS pertaining to your financial transactions solely to assist our lending partners in assessing your credit risk.‍

1.6 Phone: We shall take one-time access of certain features of your mobile phone to facilitate on-boarding on the platform and KYC verification:

• Camera
• Location
• SMS
• IP Address

1.7 Biometric Data: No Personal Information of yours containing biometric data will be collected or stored by Jar unless permitted by extant statutory guidelines.

2. HOW WE USE INFORMATION WE COLLECT

Our primary goal in collecting the information is to provide you a platform to render our Services. We may use the personal information provided by you for one or more of the following:

a. To help provide you the Services;

b. To observe, improve and administer the quality of Services;

c. To analyze how the platform is used and diagnose technical problems;

d. Remember the basic information provided by you for effective access;

e. To confirm your identity in order to determine your eligibility to use the platform and avail the Services

f. To notify you about any changes to the Website;

g. To enable us to comply with our legal and regulatory obligations;

h. For the purpose of sending administrative notices, Service-related alerts and other similar communication with a view to optimizing the efficiency of the Website;

i. Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and

j. To enforce our Terms of Use.

3. DISCLOSURE OF INFORMATION

3.1 We do not publish your Sensitive Data provided by you.

3.2 We will treat your Personal Information strictly confidential. We will not disclose your Personal Information to anyone, except in the following cases:

1. We may disclose your Personal Information in the event it is required to do so by law, rule, regulation, law, enforcement, governmental official, legal or regulatory authorities and/ or to such other statutory bodies who have appropriate authorisation to access the same for any specific legal purposes.
2. Merger, acquisitions: Information collected from you may be transferred to a third party(ies) as a result of a sale or acquisition, merger or bankruptcy involving the Company.
3. We may disclose your information to any of our affiliates or related entities. We will ensure that our affiliates and related entities maintain the same standards of confidentiality and protection with respect to the Personal Information shared with them.
4. We may disclose your information in order to provide you the Services, enforce or apply the Terms and Conditions of Use, or to protect the rights, property or safety of the Company, its users or others. This includes providing information to one or more lending partners, and exchanging information with other companies / agencies that work for fraud prevention.

3.3 Sharing: You hereby consent to sharing your Personal information with credit information companies, analytics, technical partners, payment facilitators, commercial partners, etc for purposes including but not limited to providing and monitoring Our Services, onboarding process on the Jar Platform, assessing the creditworthiness, KYC verification, fraud prevention and risk evaluation. We may share aggregated demographic information with our partners or affiliates. This is not linked to any personal information that can identify an individual person. We will not be liable for transfer of any personal identification information resulting from loss or distribution of data, the delineation or corruption of media storage, power failures, natural phenomena, riots, act(s) of vandalism, sabotage, terrorism or any other event beyond our control. Further, our Privacy Policy does not cover the use of cookies by its partners and affiliates since we do not have access or control over such cookies.

3.4. Consulting: We may partner with other parties to provide specific portions of the Services, if required. When you sign-up for the Services, we may share some of your Personal Information (including phone number registered or to be registered with Jar) and Sensitive data to the extent necessary for the third party to provide these Services. Our contractual arrangements with such third parties restrict these parties from using personally identifiable information except for the explicit purpose of assisting in the provision of these Services.

3.5. Promotional Offers: We may send you offers, which may be on behalf of other businesses. If you do not want to receive such offers, you may request us to adjust your preferences.

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4. CHANGE OF INFORMATION

If your Personal Information or Sensitive Data changes, you may correct, delete inaccuracies, or amend information by reaching out to us at ID: lending.support@changejar.in. We may request you to provide any additional information or documents as may be necessary to verify the changes requested by you.

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5. SECURITY OF INFORMATION

5.1 We take the security of your information very seriously. To this end, we use several security techniques including secure servers at India, firewalls, and encryptions, as well as physical safeguard of the locations where the data are stored. We have in place appropriate administrative, technical, physical safeguards and security measures to protect the personal data you provide to us against accidental, unauthorized, or unlawful loss, destruction, damage, alteration, access, disclosure or use and any other unlawful forms of processing. When we collect data, we collect your personal details on a secure server. We use firewalls on our servers. Whilst we are unable to guarantee 100% security, this makes it hard for a hacker to decrypt your details. We maintain physical, electronic, and procedural safeguards in connection with the collection, storage and disclosure of your information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you. You are responsible for protecting against unauthorized access to your password and to your computer.

5.2 The information that is collected from you may be transferred to, stored, and processed at any destination as permitted under applicable law. By submitting information to us, you agree to this transfer, storing and/ or processing. We will take such steps as we consider reasonably necessary to ensure that your information is treated securely and in accordance with this Privacy Policy.

5.3 In using the Services, you accept the inherent security implications of data transmission over the internet. Therefore, the use of the Website will be at your own risk, and we assume no liability for any disclosure of information due to errors in transmission, unauthorised third party access or other acts of third parties, or acts or omissions beyond its reasonable control and you agree not to hold us responsible for any breach of security.

5.4 In the event we become aware of any breach of the security of your information, we will promptly notify you and take appropriate action to the best of its ability to remedy such a breach.

6. DATA RETENTION

You may request us to delete your information or revoke the consent to access or opt out of processing your application by submitting a request for account deletion through the Jar mobile app via the profile section. On submitting a request to delete Your account, you confirm/understand that:

1. You have no outstanding credit facility availed on the Jar platform.

2. You have no pending or potential grievances in relation to any of your previous dealings with Us.

3. Your account will be permanently deleted. We will not be able to reactivate your account.

4. You will receive no further communications from Jar.

You however understand that We will be required to or retain, and accordingly use and disclose any specific data if required by law, rule, regulation, law, enforcement, governmental official, legal, or regulatory authorities and / or to such other statutory bodies who have appropriate authorisation or for the purposes of completing any legal obligations or for audit requirements. We will not retain your Personal Information(including sensitive personal data) for longer than is required for the purpose for which the information may lawfully be used.

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7. NOTIFICATION OF CHANGES

We may update this Privacy Policy at any time, with or without advance notice. In the event there are significant changes in the way we treat your Personal Information, or in the Privacy Policy document itself, we will display a notice on the Website or send you an email informing you of such changes, so that you may review the changed terms prior to continuing to use the Website and our Services.

Using the Company’s Services or accessing the Website after a notice of changes has been sent to you or published on the Website will constitute your consent to the changed terms.

It is very important that any Personal Information we hold/pass on to our lending partners about you is up to date and correct. Please inform us at lending.support@changejar.in for any changes to your Personal Information.

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8. ADDRESS FOR PRIVACY RELATED QUESTIONS

To offer optimum support to our customers and to address complaints and grievances in the most effective manner, we have set out the process for registering and getting the complaint addressed.

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are provided below.

Name: Mr. Pankaj Parihar

Address: No.752 Vasantham Building, 18th main, 6th block, 5th cross Koramangala Bangalore - 560095

Email ID:  grievance-officer@changejar.in

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This Privacy Policy is incorporated by reference into ChangeJar /Jar Terms of Service (the “Terms”). 

Website myjar.app and/or the mobile application ‘Jar’ (collectively referred to as the “Platform”) is owned and operated by Changejar Technologies Private Limited, a private limited company having its registered office at No. 752, 18th main, 6th block, 5th cross Koramangala Bangalore-560095, which shall include its affiliates and group entities, together referred to as “Company”, “We”, “Us” or “Our”.

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. Please read the Privacy Policy carefully prior to using or registering on the Platform or accessing/availing the services on the Platform inter alia in relation to purchase/sale/transfer of Digital Gold from a brand named “Safe Gold” operated and managed by “Digital Gold India Private Limited”(hereinafter referred as “Safe Gold”)  a company incorporated under the laws of India (“Services”).

‍This Privacy Policy specifies 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 4 below) through the Platform, and any Third-Party Sites that You access or use in connection with the services offered on the Platform.

By visiting the Platform, You (“You” or “Your”), accept and agree to be bound by the terms and conditions of this privacy policy (“Privacy Policy”). This Privacy Policy is incorporated into and subject to the terms of use of the Platform(“Terms”) and shall be read harmoniously and in conjunction with the Terms.

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 Safe Gold which can be accessed at https://www.safegold.com/privacy-policy

This privacy notice supplements the other notices/policy and is not intended to supersede them.

1. COLLECTION OF INFORMATION

To provide you the services, we collect, use and process your personal information including your sensitive information. 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.

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1. Information that You Provide to Us: 

1. While registering on Our Platform for using Our Services, We collect Your Personal Information including sensitive personal information such as name, mobile number, email address, password, date of birth, gender. We use your contact information, such as your email address or phone number, to authenticate your account and keep it, to secure our services and to help prevent spam, fraud, and abuse. We also use contact information to personalize our Services, enable certain account features and to send you information about our Services. If you provide us with your phone number and email id, you agree to receive text messages from Changejar/ Jar to that number.  In addition to the Personal Information mentioned above and in order to provide Services to You when you purchase Gold in excess of 30grams We may also collect your KYC information including Your Proof of identity like Aadhaar number , driving license, PAN number, finger – print details and signature solely for completing the account opening procedures and authenticating Your transactions on the Platform. The act of providing Your Aadhaar is voluntary in nature and the Company, hereby agrees and acknowledges that they will collect, use and store such details in compliance with applicable laws and this Privacy. 

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2. You may also be asked for certain financial information, including Your billing address, bank account details, credit card number, expiration date and/or other payment related details or other payment method data, and debit instructions or other standing instructions to process payments for the Services.  All the payment transactions made through the Platform are electronically processed by third party service provider. All UPI payments and/or card payments are subject to authorisation by UPI service providers and/or card issuer and are electronically processed by UPI payment aggregators or approved payment gateway provider including Google Pay https://pay.google.com/, Pay Tm https://paytm.com/

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3. If You choose to post messages on our message boards, chat rooms or other message areas or leave feedback, We will collect and store such information You provide to Us. We retain this information as necessary to resolve disputes, provide customer support, respond to queries and inquires, and troubleshoot problems and improve the Services.

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4. If You send us correspondence, such as emails or letters, or if other users or third parties send us correspondence about Your activities or postings on the Platform, We may collect and retain such information into a file specific to You for responding to Your request and addressing concerns in relation to Your use of the Platform. We shall be entitled to retain Your Personal Information and other information for such duration as may be required for the purposes specified hereunder and will be used by Us only in accordance with this Privacy Policy.

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5. We may ask You to provide certain additional information about Yourself on a case-to-case basis. All information disclosed by You shall be deemed to be disclosed willingly and without any coercion. No liability pertaining to the authenticity/ genuineness/misrepresentation/ fraud/negligence, etc. of the information disclosed shall lie on the Company nor will the Company be in any way responsible to verify any information obtained from You.

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6. You have every right to edit, modify, review or delete any information including sensitive personal information provided to us. 

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2. Automated Collected Information

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In addition to the information that you provide us directly, we also collect information that You provide to Safe Gold 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. 2. 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.;

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1. Usage and Log Information: To make our Platform and Services more useful to you, our servers (which may be hosted by a third-party service provider) collect information from you, including your browser type, operating system, Internet Protocol (IP)address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), domain name, and/or a date/time of your visit. We use this information to examine our traffic and to view how our customers use our website. This type of information will not allow you to be personally identified although we might be able to associate it with your account. We process this usage data to facilitate your access to our services in technical terms (e.g. to adjust our services to the terminal device you are using), and to recognize and stop any misuse. We also use usage data in anonymised form for statistical purposes and to improve our website . Further, if You choose to invest through the Platform, We will also collect information about Your transactions including transaction status and details and Your investment behaviour. We process this data to provide you Services.

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2. Location Information: When and if You download and/or use the Platform through Your mobile, We may receive information about Your location, Your IP address, and/or Your mobile device, including a unique identifier number for Your device. We may use this information to provide You with location-based Services including but not limited to search results and other personalized content. You can withdraw Your consent at any time by disabling the location-tracking functions on Your mobile. However, this may affect Your enjoyment of certain functionalities on Our Platform.

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3. Third party information: We also collect information from third parties on the tracking technologies to track the activity on our service and hold certain information. Browser based, network based, AD- Tracking, User UX behaviour tracking information is collected from third parties. We collect information to understand and track the behavioural as means for security and connection integrity. We will keep such information for our reference and will never share with any third party. 
   ‍Also, please remember that the manner in which third party services collect, use, store and disclose Your information is governed by the 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.

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4. Cookies: We use cookies and URL information to gather information regarding the date and time of your visit and the information for which you searched and which you viewed. Cookies are small digital signature files that are stored by your web browser that allow your preferences to be recorded when you visit thePlatform . Also, they may be used to track your return visits to the website. We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. Persistent Cookies can be removed by following Internet browser help file directions. Our uses of cookies, web beacons, or other similar technologies fall into the following general categories:

i) Operationally Necessary. We may use cookies, web beacons, or other similar technologies that are necessary to the operation of our Services. This includes technologies that allow you access to our Services; that are required to identify irregular site behaviour, prevent fraudulent activity and improve security; or that allow you to make use of our functions such as, product information, saved search, or similar functions.

ii) Performance Related. We may use cookies, web beacons, or other similar technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how our visitors use our Services, determine if you have interacted with our messaging, determine whether you have viewed an item or link, or to improve our Services’ content, applications, services, or tools;

iii) Functionality Related. We may use cookies, web beacons, or other similar technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed so that we may enhance the presentation of content on our Services;

iv) Advertising or Targeting Related. We may use first-party or third-party cookies and web beacons to deliver content, including ads relevant to your interests, on our Services or on Third Party sites. This includes using technologies to understand the usefulness to you of the advertisements and content that has been delivered to you, such as whether you have clicked on an advertisement.

If you would like to opt-out of the Technologies we employ on ourPlatform, 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.

2. USE OF YOUR INFORMATION

We use the Personal Information and other non-Personal Information, for the following:

1.  to provide and improve the Services on the Platform that You request;
2.  to resolve disputes and troubleshoot problems;
3. to help promote a safe service on the Platform and protect the security and integrity of the Platform, the Services and the users;
4. collect money from You in relation to the Services,
5. inform You about online and offline offers, products, services, and updates;
6. customize Your experience on the Platform or share marketing material with You;
7. to detect, prevent and protect Us from any errors, fraud and other criminal or prohibited activity on the Platform;
8. enforce and inform about our terms and conditions;
9. to process and fulfil Your request for Services or respond to Your comments, and queries on the Platform;
10. to contact You;
11. to allow Our business partners and/or associates to present customised messages to You;
12. to communicate important notices or changes in the Services provided by the Company, use of the Platform and the terms/policies which govern the relationship between You and the Company and with Our affiliates as set out in paragraph 3 below for providing services to You; and
13. for any other purpose after obtaining Your consent at the time of collection.

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 Safe Gold 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.

3. SHARING OF INFORMATION

We may make Your Personal Information and/or other Non-Personal Information available to Our partners, collaborators including Safe Gold and its affiliates to enable them to provide Services 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 including Safe Gold 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:

1.  to comply with laws and to respond to lawful requests and legal process,
2. to protect the rights and property of the Company, Our users, and others, including to enforce the Terms, and
3. in an emergency to protect the personal safety and assets of the Company, the users, or any person. In such an event the Company is in no manner responsible for informing You or seeking Your approval or consent.

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4. LINKS TO OTHER THIRD-PARTY SITES AND COLLECTION OF INFORMATION

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 may have their own privacy policies governing the storage and retention of Your information that You may be subject to. 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.

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5. SECURITY PRECAUTIONS AND MEASURES

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.

6. DATA STORAGE AND RETENTIONPOLICY

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.

7. DISCLAIMER

Company is merely providing a distributor platform of Safe Gold 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 investment decisions and You shall be solely responsible for any investment decisions and for the purchase of any mutual funds 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 investments 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.

8. YOUR PRIVACY RIGHTS 

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.

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9. CHANGES TO PRIVACY POLICY

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.

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10. GRIEVANCE OFFICER

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 22^nd April 2022

Registered Office address: No 752, 18th main,6th block,5th cross Koramangala Bangalore -560095.

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These terms of use (“Terms and Conditions”) mandate the terms on which the users (“You” or “Your” or “User”) can access and register on the website <myjar.app> including its mobile application 'Jar’ operated and managed by Changejar Technologies Private Limited (“Company” or “We” or “Us”) a company duly incorporated under the laws of India, having corporate identification number U74999KA2021PTC143459, collectively referred to as, the “Platform”.

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IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE TERMS AND CONDITIONS OF SAFE GOLD (AS AVAILABLE AT https://www.safegold.com/terms-and-conditions), YOU MAY NOT USE THE PLATFORM AND SHOULD NOT PROCEED TO CREATE ANY ACCOUNTS OR ACQUIRE ANY SUBSCRIPTIONS TO THE PLATFORM. BY USING THE PLATFORM, YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS, INCLUDING ALL AMENDMENTS MADE HERETO FROM TIME TO TIME. 

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This is an electronic record in terms of the Information Technology Act, 2022 and the rules made thereunder, and does not require any physical or digital signatures. This is being published in accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011. 

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The Platform is an online portal that facilitates the Users to purchase/sale/transfer gold in digital form from a brand named ‘Safe Gold’ (“Gold”) operated and managed by Digital Gold India Private Limited (“Safe Gold”), a company incorporated under the laws of India with corporate identification number U74999MH2017PTC293205, and Safe Gold provides for purchase and sale of Gold, and providing services of safe keeping, vaulting, delivery and fulfilment of gold and related services (“Services”). 

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YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY IS ONLY A DISTRIBUTOR THAT FACILITATES USERS TO BUY GOLD FROM SAFE GOLD. YOU UNDERSTAND THAT BY REGISTERING TO THE PLATFORM AND/OR ACCESSING SERVICES DIRECTLY OR INDIRECTLY FROM THE PLATFORM, YOU ONLY RECEIVE THE ABILITY TO USE THE PLATFORM FOR PURCHASE OF GOLD FROM SAFE GOLD OR SUCH OTHER PRODUCTS OFFERED BY US FROM TIME TO TIME. WE SHALL NOT INCUR ANY LIABILITY IN RELATION TO ANY DISPUTE RELATING THAT ARISES IN RELATION TO PURCHASE OF GOLD OR SERVICES OFFERED BY SAFE GOLD. YOU EXPRESSLY AGREE THAT WE ARE NOT RESPONSIBLE FOR CUSTODY, QUANTITY AND QUALITY OF PHYSICAL GOLD THAT YOU PURCHASE THROUGH THE PLATFORM AND HENCE WE SHALL NOT BE LIABLE IN CASE OF ANY DISPUTE THAT ARISES IN RELATION TO CUSTODY OF PHYSICAL GOLD WITH THE CUSTODIAN AND TRUSTEESHIP WITH THE TRUSTEE ADMINISTRATOR.

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You understand that the Gold is being offered for purchase by Safe Gold, and the User can also sell the Gold through Safe Gold. As per the terms and conditions of Safe Gold (available at https://www.safegold.com/terms-and-conditions), the Gold purchased by You will be accounted in a customer account maintained by Safe Gold and the corresponding quantity of gold in physical form will be storied with Brinks India Private Limited (“Custodian”). In order to safeguard Your interest, Safe Gold has also appointed a trustee (“Trustee Administrator”), and You agree to the appointment of such Trustee Administrator and the Custodian, and also accede to the terms for such arrangement with the Trustee Administrator (being the Trustee Administrator agreement). The Trustee Administrator shall be responsible for monitoring the physical gold held on Your behalf with the Custodian. 

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Please read these Terms and Conditions and privacy policy (available at https://www.myjar.app/privacy-policy) carefully before registering on the Platform or accessing any material and/or information through the Platform. The Company retains an unconditional right to modify or amend this Terms and Conditions without any requirement to notify You of the same. You can determine when this Terms and Conditions was last modified by referring to the ‘Last Updated’ legend above. It shall be Your responsibility to check this Terms and Conditions periodically for changes. Your continued use of the Platform shall indicate an acceptance of the amended Terms and Conditions, and shall signify Your consent to the changes to the Terms and Conditions and the intention to be legally bound by the amended Terms and Conditions.

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Before using our Services and before buying the Gold, Users are also recommended to read the terms of services and privacy policy of Digital Gold India Private Limited which can be accessed at https://www.safegold.com/terms-and-conditions. In case of any conflict between this Terms and the terms of Safe Gold, the terms of Safe Gold in relation to the purchase and/or sale of Gold shall prevail. It is also clarified that these Terms and Conditions and the terms and conditions of Safe Gold apply to You once you avail of the Services and purchase Gold. 

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By using the Services, you acknowledge that Company is not responsible for the quality of physical gold being offered and sold by Digital Gold India Private Limited and that any disputes in relation to the quality of physical gold shall be raised directly by You to Digital Gold India Private Limited. 

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1. ELIGIBILITY

By using the Services, you represent and warrant that you are above the 18 years of age and qualified to enter into a legally binding contract, enforceable under Indian law, including the Indian Contract Act, 1872. If you are not eligible to enter into any contract, then please discontinue use of the Platform and leave now. If you are the parent or guardian of a child under 18 years of age, by registering/by creating an account or profile on the Platform, you provide your consent to your child’s registration and you agree to be bound by these Terms and Conditions in respect of their use of our Platform. We will at all times assume (and by using this Platform you warrant that) you have the legal ability to purchase and sale Gold and otherwise use this Platform, and capable of being bound by these Terms and Conditions. Further, by using the Platform, You confirm that you are not registered under any applicable  Goods and Services Tax Act, 2017 and that if, in the course of your relationship with our Platform and/or Safe Gold, you become registered under the applicable Goods and Services Tax Act, 2017, you shall inform Safe Gold of your change in status immediately, and no later than 24 hours of such change, and provide any relevant information and documents, as may be requested by Safe Gold. The Company shall not be liable for any actions that may be undertaken by Safe Gold pursuant to change of Your status on registration under the applicable Goods and Services Tax Act, 2017. If necessary, You shall seek independent tax advice, and these Terms and Conditions do not constitute any tax advice to You. 

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2. REGISTRATION

1. The Services are available to only those who have subscribed to the Platform by registering and creating account with Us. You can register to the Platform by providing your personal information including name, age, gender and registered mobile number. The registration will be validated by sending one time password (OTP) to registered mobile number.
2. We may also ask You for certain financial information, including Your billing address, bank account details, credit card number, expiration date and/or other payment related details or other payment method data, and debit instructions or other standing instructions to process payments for the Platform Services (as defined below). The Company may also ask You to provide certain additional information about Yourself on a case-to-case basis.
3. If there is any change in the account information, You shall promptly update Your account information on the Platform. If You provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or if the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate Your Account and refuse any and all current or future use of the Platform (or any portion thereof) at its sole and absolute discretion, in addition to any right that the Company may have against You at law or in equity, for any misrepresentation of information provided by You.
4. By registering on the Platform, you agree to (a) provide correct details when prompted on the Platform and failure to do so may invalidate your request to use Services; (b) authorise the Platform and the Company to retain the information shared by You for the purpose of using the Platform and/or accessing the Services and for any marketing campaign undertaken by the Company and/or third-party service providers; and (c) by giving Your details, You agree to abide by the Terms and Conditions and the privacy policy. Also, by registering, you agree that you will not allow others to use Your account and that you are fully responsible for all activities that occur under Your username. We may assume that any communications we receive under Your account have been made by You.
5. By providing such personal information, You consent to receive all information, communication and instructions relating to the Platform, the Services offered by the Platform and/or third-party service providers, and for availing special offers and promotional benefits. You shall solely be responsible for the appropriate use of the same. You shall immediately notify the Company of any unauthorized use / breach of your password or account and ensure that You exit from Your account at the end of each session. The Company reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole and absolute discretion. The Company cannot and will not be liable for any loss or damage arising from Your failure to comply with these Terms and Conditions. You may be held liable for losses incurred by the Company or any other user of or visitor to the Platform due to authorized or unauthorized use of Your Account as a result of Your failure in keeping Your Account information secure and confidential.

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3. PLATFORM SERVICES

1. By registering on the Platform, You are allowed to purchase Gold pursuant to the collaboration between the Company and Safe Gold.  The Company hereby grants You, a limited, non-exclusive, non-transferable, royalty free license to use the Platform for the purposes of availing the Services. The services offered on the Platform shall include, but is not limited to the following: (a) facilitating buying  and selling of  Gold; and (b) maintaining a record of Your personal information and financial transactions in a secure and confidential manner;. Upon no User transaction being detected, Our system intelligently updates the User ledger to meet the User’s savings goal of up to Rs. 10 per day (“Platform Services”). 
2. However, before placing the order and availing the Services, the User may be required to provide certain KYC documentation and other information as may be required by Safe Gold in such form and manner as it may deem fit. This information may be requested from You at the time of registration, or at a later stage, including the following events, to prevent fraudulent activities: 

1. You withdraw your purchase of Gold; 
2. You wish to convert Your winnings on the Platform to purchase Gold; and/or
3. You wish to get Your Customer Gold delivered to Your doorstep. 

The KYC verification shall be undertaken based on the PAN Card issued to You. You shall upload a clear picture of your PAN Card except in cases where e-PAN is provided by You. We shall verify Your details from the database of the issuing authority, including through Digilocker. If You do not have a PAN Card, you may submit Form 60 to Us. 

3. It is hereby clarified that any Services offered (purchase, sale or transfer of Gold on Safe Gold’s platform) are governed under specific terms and conditions of Safe Gold, operated and managed by Gold India Private Limited which can be accessed at https://www.safegold.com/terms-and-conditions.
4. It is also clarified that the Company is merely providing a platform to its Users to facilitate the transaction of sale and investment of Gold and will not be liable in any manner with respect to the products and/or services offered to You by Safe Gold. 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 investment decisions and You shall be solely responsible for any investment decisions and for the purchase of any Gold 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 and Conditions and/or due to use of this Platform or due to investments made using this Platform. As part of the Platform Services provided to You, on availing such services, You agree to provide honest feedback/review about the concerned Platform Service, if required or requested by the Company from time to time. 
5. Use of the Platform and availing the Services: You acknowledge that the Services are for Your personal use and agree not to publish the Gold prices or descriptions of Gold and/or any other information displayed on the Platform (in lieu of Your access to the Platform) on any other medium.  You agree to use the Platform only: (a) for purposes that are permitted by the Terms and Conditions; and (b) in accordance with any applicable law, regulation or generally accepted practices or guidelines. 
6. You agree that You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, alter, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Platform, except that You may download the Platform for Your own personal, internal and non-commercial use. You agree that You will not use the Platform in any manner or engage in any activity that may damage, disable or impair or adversely affect the use of the Platform or interfere with any other users’ use, legal rights, or enjoyment of the Platform. Further, You agree not to remove any text, copyright or other proprietary notices contained in the content downloaded from the Platform. 
7. Further, while using the Platform, You undertake not to:

1. defame, abuse, harass, threaten or otherwise violate the legal rights of others;
2. publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
3. copy, republish, post, display, translate, transmit, reproduce or distribute any content on the Platform through any medium without obtaining the necessary authorization from the Company in writing;
4. conduct or forward surveys, contests, pyramid schemes or chain letters; 
5. upload or distribute files that contain software or other material protected by applicable intellectual property laws unless You own or control the rights thereto or have received all necessary consents; 
6. upload or distribute files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Platform or another’s computer; 
7. engage in any activity that interferes with or disrupts access to the Platform (or the servers and networks which are connected to the Platform); 
8. attempt to gain unauthorized access to any portion or feature of the Platform, any other systems or networks connected to the Platform, to any of the Company’s server, or through the Platform, by hacking, password mining or any other illegitimate means; 
9. probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor breach the security or authentication measures on the Platform or any network connected to the Platform. 
10. reverse look-up, trace or seek to trace any information on any other user, of or visitor to, the Platform, to its source, or exploit the Platform or information made available or offered by or through the Platform, in any way whether or not the purpose is to reveal any information, including but not limited to personal identification information, other than Your own information, as provided on the Platform; 
11. disrupt or interfere with the security of, or otherwise cause harm to, the Platform, systems resources, accounts, passwords, servers or networks connected to or accessible through the Platform or any affiliated or linked sites; 
12. collect or store data about other users in connection with the prohibited conduct and activities; 
13. use any device or software to interfere or attempt to interfere with the proper working of the Platform or any transaction being conducted on the Platform, or with any other person’s use of the Platform; 
14. use the Platform or any material or content for any purpose that is unlawful or prohibited by these Terms and Conditions, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or other third parties; 
15. falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; 
16. violate any applicable laws or regulations for the time being in force within or outside India or anyone’s right to privacy or personality; 
17. violate the Terms and Conditions contained herein or terms and conditions provided elsewhere; and 
18. reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from the Platform.

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4. PLACING OF ORDER

1. You can purchase Gold on the Platform on a pre-payment basis i.e., once you place the order and confirms the transaction for purchase of Gold, and agree to the Terms and Conditions (“Customer Order”), the Platform will notify Safe Gold.
2. Once the payments are received by Safe Gold and the KYC information is found acceptable, Safe Gold shall issue an invoice to You confirming the Customer Order placed within a period of 3 (three) business days of placing such order, in a manner it may deem fit. Notwithstanding anything to the contrary contained in these Terms and Conditions, Company and/or Safe Gold shall be entitled to accept or reject the User, for any reason whatsoever, at its sole and exclusive discretion.  
3. Once the Customer Order is placed, You are not entitled to cancel such a Customer Order, provided however that such Customer Order shall stand cancelled if the payment fails for any reason whatsoever. The Platform and/or Safe Gold reserves the right to cancel the Customer Order, at its sole discretion, if Your information, provided prior to placing the Customer Order, is not found acceptable and the Platform and/or Safe Gold are of the opinion that You are not eligible to purchase Gold from Safe Gold. 

In case of rejection of any of Your Customer Order, where payments have been received by the /Safe Gold, such payments shall be returned to You in accordance with these Terms and Conditions or the terms and conditions of Safe Gold, as applicable. 

4. The quantity of Gold purchased by You shall be stored with the Custodian in a vault on Your behalf. You hereby authorize Safe Gold to store such physical gold products purchased by You pursuant to the Customer Order, including, but not limited to, bullion, coins or jewellery (as the case may be) in the secured vault maintained by the Custodian on Your behalf (“Customer Gold”). It is hereby clarified that Your purchase of the physical gold corresponding to the Your Customer Order shall be deemed to be completed and title in relation thereto shall be deemed to have been passed to You upon such relevant portion of the Customer Gold being stored in the vault with the Custodian on Your behalf in accordance with the terms and conditions of Safe Gold, subject to applicable laws. 
5. You will be provided with free storage for your Customer Gold for 5 years, or for such period as more particularly stipulated by Safe Gold in this regard from time to time at its sole discretion and notified to Customers on the Platform (“Free Storage Period”). After the expiry of the Free Storage Period, Safe Gold shall be entitled to levy storage charges for such Customer Gold at such rate as would be specified on the Platform, and which may be revised from time to time. The charges would be levied by deducting the gold balance at the end of each month by a percentage amount at the specified rate. You are advised to periodically check the Platform to understand these storage charges. In the event, Safe Gold is not able to deduct the storage charges because Your gold balance is too low, then Safe Gold shall be entitled to sell such portion of Your Customer Gold stored with the Custodian that is necessary or required to recover the unpaid storage charges in question. 
6. To ensure that the Customer Gold stored in such vault is adequately protected, necessary insurance policy/ies has been obtained by the Custodian, with the cost of the insurance and the insurance premia is borne by the Custodian. Pursuant to such insurance policy/ies, for any loss or damage to the Customer Gold stored in the vault, You authorize the Trustee Administrator to act as Your beneficiary under the insurance policy/ies and to take all steps necessary to protect Your interests.
7. While the Custodian has taken the necessary insurance policy/ies, in case of occurrence of an event not covered in such insurance policy/ies, the Customer Gold may be at risk. The insurance policy/ies obtained by the Custodian are in line with the global industry practices and cover losses due to fire, lightning, theft, cyclone, earthquake, flood, etc. but do not cover losses due to events such as war, revolution, derelict weapons of war, nuclear radiation, etc. 
8. In the event of any expenses or charges remaining payable to the Custodian, the Trustee Administrator or such other person appointed by Safe Gold as an intermediary, or otherwise till actual delivery or fulfilment of any of Your Customer Orders for any reason, including where Safe Gold is unable to service such requests due to any event of default, thereby adversely effecting or jeopardizing the fulfilment of Your Customer Orders, then the Trustee Administrator will be entitled to sell part of the Customer Gold and satisfy such outstanding expenses or charges as required in accordance with these Terms and Conditions read with the Trustee Administrator agreement. The sums due to You and/or gold to be delivered (as the case may be), after settling the aforementioned charges, would be dealt with in accordance with these Terms and Conditions read with the Trustee Administrator agreement. 

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5. PRICING AND PAYMENT POLICY

1. Except where noted otherwise, the price displayed on the Platform, represents the market linked price of Gold as indicated by Safe Gold. Market linked prices means that these quotes are linked to the prices of gold in the commercial bullion market in India. However, it does not indicate that the gold prices displayed on the Platform will always be same as that of the prevalent prices displayed in other commercial bullion market. As a purchaser, it is your responsibility to compare the prices and take appropriate decisions after adequate diligence
2. Notwithstanding the foregoing, you understand that these prices may vary multiple times within a day, and accordingly Your payment obligations for any Customer Order will depend on the prices displayed at the relevant time. 
3. Payment policy: Payment will be accepted through the payment options made available on the Platform, which may include redirection to a payment gateways and aggregators hosted by third-party website or applications including UPI payments like Phone Pe - https://www.phonepe.com/, Paytm - https://paytm.com/. At the time of purchase, fulfilment sale and/or transfer of Gold, the relevant taxes will be chargeable as applicable as per the Government regulations.
4. However, please note that the payment terms, delivery, warranty and cancellation and refund policy are subject to the terms and conditions of Safe Gold which can be accessed at https://www.safegold.com/terms-and-conditions. 
5. The transactions on the Platform with will be completed only after successful transfer of money to Safe Gold’s bank account, either from Your registered bank account or from the escrow account maintained by the Company. Please note that the corresponding gold quantity will be credited to Your Account maintained with Safe Gold, within 5 (five) business days from the date of successful transfer of such amount. Please look at Safe Gold Terms and conditions accessed at https://www.safegold.com/terms-and-conditions and understand fully the terms of custodian and trusteeship arrangement before making the investment. 
6. Unclaimed rewards will get expired after 90 days from date of credit.

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6. DELIVERY OF GOLD

1. For the purposes of making delivery to You, You are required to provide a valid address and/or any other documents/information/ biometric identification that may be specified in this regard by Company and Safe Gold on the Platform from time to time.
2. You are required to take delivery of Your Customer Gold within such maximum period as shall be specified for this purpose by Safe Gold from time to time on the Platform (“Maximum Storage Period”).  
3. In the event that no valid address has been provided by You during the Maximum Storage Period, then Platform and/ Safe Gold shall for a period 1 (one) year commencing from the date of expiry of Maximum Storage Period (such period being the “Grace Period”) attempt at least once to contact You using the contact information provided by You to obtain either (i) an address to which You would require the gold in question to be delivered or (ii) Your bank account details into which sale proceeds of the Customer Gold shall be deposited. In the event that Platform and/or Safe Gold has not been able to contact You during the applicable Grace Period using the contact information provided by You or where You shall during the Grace Period either fail to take delivery of the physical gold in question for any reason whosoever (including where You shall not have provided any address to take delivery of such physical gold); or provide the details for a valid bank account into which the proceeds of any sale of such Customer Gold is to be deposited;  then upon expiry of the applicable Grace Period for the Customer Gold in question, Safe Gold shall be entitled to purchase such Customer Gold with the purchase price being the applicable prevailing price displayed on the Platform for purchase of Gold from Customers. 
4. The purchase proceeds realized from such sale of Gold on Safe Gold’s platform (“Final Sale Proceeds”) after deducting any amounts payable to Safe Gold as storage charges after the free storage period, shall be deposited into a bank account operated by the Trustee Administrator who shall be the sole signatory to such bank account. In the event that You shall during a period of 3 (three) years commencing from the date of expiry of the applicable Grace Period (such period being the “Final Claim Period”) notify either the Platform, Safe Gold and/or the Trustee Administrator that You are claiming the applicable Final Sale Proceeds, the Trustee Administrator shall issue suitable instructions to transfer the Final Sale Proceeds to such bank account as You shall notify for this purpose. Please note that to claim the Final Sale Proceeds You will be required to provide details of a valid bank account and that the Final Sale Proceeds will not be transferred in the absence of such details. At no time will the Final Sale Proceeds be paid to You in cash. In the event that You shall not claim Your Final Sale Proceeds within the Final Claim Period, then the Final Sale Proceeds shall be transferred to the Prime Minister’s Relief Fund or such other fund as You may designate for this purpose at any time prior to the expiry of the Grace Period. 

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7. RETURN AND CANCELLATION POLICY

1. On use of any coupon or discounts, as made available by us on the Platform or any other website or platform of any authorised third party, for purchase of Gold, the same shall be verified and adjusted, as may be necessary, within 7 (seven) days of use of such coupon or discount.
2. Upon confirmation of the payment, You shall be permitted to withdraw the monies after 24 (twenty-four) hours of investment, and there is no minimum lock-in period. 
3. Once the payment has been confirmed, the same shall be binding on You and cannot be cancelled. 
4. You can opt out of auto investing on the Platform by undertaking the following actions: 

1. Tap on 'Locker' in the bottom right corner on the mobile application.
2. Go to 'Settings' by tapping on the icon on the top right corner on the mobile application.
3. Scroll down and find ‘AutoPay’ under transactions and withdrawals on the mobile application.
4. Disable AutoPay by tapping on the toggle on the mobile application. 

1. You can also pause their roundup detection and savings for a defined period of time. You can find the option of pausing Your saving for 10 (ten) days to 1 (one) month in the settings of the mobile application. 

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8. REFUND POLICY

Please note, once an order for purchase or sale has been confirmed by the customer, refunds or cancellation is not possible. All orders are final upon customer confirmation

Deliveries are made only to the registered address of the customer. Please keep proof of identity ready at the time of delivery as it may be required for verification by the courier partner. If no one is available at the registered address to take delivery, delivery will be attempted at least once more after which the package will be returned to the vault and the customer's balance will be credited back with the corresponding grams of gold. Shipping charges will be payable again as and when the customer asks for delivery.

Customers are required to verify that the package they are accepting has not been tampered with and is of acceptable quality. Once delivery has been taken by the customer, returns and refunds are not possible. All of our products are 100% certified and there should never be any problems with quality. In the unlikely event of any issues, feel free to contact us, we will investigate the matter to resolve any concerns or issues.

You can email us at voc@changejar.in. We assure you that your request will be addressed on priority.

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        9. YOUR OBLIGATIONS AND RESPONSIBILITIES 

1. While accessing our Platform, You shall comply with these Terms and Conditions and the special warnings or instructions for access or use posted on the Platform from time to time. 
2. You shall not make any change or alteration to the Platform or any Content or Services that may appear on this Platform or on Safe Gold and shall not impair in any way the integrity or operation of the Platform.
3. You shall always act in accordance with extant laws, customs and in good faith.
4. You further represent and warrant that:

1. Payment for purchase of Services is made from Your bank account (primary holder’s bank account in case of Investment Account held jointly), and the same is from legitimate sources and remitted through approved banking channels; 
2. Before making the investment purchase, You shall seek independent financial planning, legal, accounting, tax or other professional advice, if required; 
3. You have read the offer documents of Safe Gold (including its terms and conditions accessed at https://www.safegold.com/terms-and-conditions) and its schemes and have made an informed independent investment decision before investing; and 
4. You will not sell, trade, or otherwise transfer Your registered account to another party or impersonating any other person for the purposing of creating an account with the Platform.

1. You agree and acknowledge and confirm that You solely, and to the exclusion of the Company, are liable for all liabilities that may arise on acts of omission or commission attributable to You, including but not limited to acts such as making inputs pertaining to UPI details, phone number or email addresses, bank account details, addresses, etc.
2. Without limiting the generality of any other provision of these Terms and Conditions, if you commit any default in any of the obligations set forth in these Terms and Conditions, you shall be liable for all the losses and damages that this may cause to the Platform, Company, our partners or licensors.

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         10. INTELLECTUAL PROPERTY RIGHTS

1. The Platform and all information, content, materials, products including, but not limited to text, content, photographs, graphics, texts, video and audio content and computer code (“Content”) on the Platform is owned and controlled by the Company and the design, structure, selection and feel and arrangement of the Content is protected by copyright, patent and trademark laws and other applicable intellectual property rights either in the favour of the Company or third parties from whom the appropriate permissions have been taken under applicable laws by the Company.
2. The trademarks, logos and service marks displayed on the Platform (“Marks”) are the property of the Company and its affiliates or other respective third parties, as the case may be. You are not permitted to use the Marks without the express prior written consent of the Company or the third party that owns the Marks, as the case may be. Further, You understand and accept that all information, except Your personal information and other data submitted by You for the purposes of transacting on the Platform, through the Platform shall be deemed the property of the Company, and the Company shall be free to use any ideas, concepts, know-how or techniques provided by You on the Platform, in any manner whatsoever. On initiating a contact or query through the Platform, You agree to be contacted by the Company or any other entities with whom the Company has entered into an arrangement for the provisions of Services to You.

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         11. LIMITATION OF LIABILITY

1. The Content on this Platform is for your general information and use only and does not amount to any investment advice.
2. You expressly understand and agree that, to the maximum extent permitted by applicable law, the Platform and Content are provided by the Company on an “as is” basis without any warranty of any kind, express, implied, statutory or otherwise, including the implied warranties of title, non-infringement, merchantability or fitness for a particular purpose. The Platform may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from Your device and/or any device used by You to connect to the Platform as well as from peripherals (including, without limitation, servers and computers) connected to any of the above-mentioned devices. You assume all risks and costs associated with Your use of the Platform and accessing the Platform Services and Services, including without limitation, any costs incurred for the use of Your device and any damage to any equipment, software or data. 
3. Further, without limiting the foregoing, the Company makes no warranty that (i) the Platform or Platform Services will meet Your requirements, or Your use of the Platform will be uninterrupted, timely, secure or error-free; (ii) the results obtained from the use of the Platform will be effective, accurate or reliable; (iii) any errors or defects in the Platform will be corrected by the Company. No advice or information, whether oral or written, obtained by You from the Company shall create any warranty not expressly stated in these Terms and Conditions.
4. The Company will have no liability related to any user Content arising under intellectual property rights, libel, privacy, publicity, obscenity or other applicable laws. The Company will not incur any liability with respect to the misuse, loss, modification or unavailability of any user Content.
5. The Company shall not be responsible for the delay or inability to use the Platform or related functionalities, the provision of or failure to provide functionalities, or for any information, software, functionalities and related graphics obtained through the Platform, or otherwise arising out of the use of the Platform, whether based on contract, tort, negligence, strict liability or otherwise.
6. Further, the Company shall not be held responsible for non-availability of the Platform during periodic maintenance operations or any unplanned suspension of access to the Platform that may occur due to technical reasons or for any reason beyond the Company’s control. You understand and agree that any material or data downloaded or otherwise obtained through the Platform is done entirely at Your own discretion and risk, and that You will be solely responsible for any damage to Your computer systems or loss of data that results from the download of such material or data. 
7. You acknowledge that the software and hardware underlying the Platform as well as other software which are required for accessing the Platform are the legal property of the respective vendors. The permission given by the Company to access the Platform will not convey any proprietary or ownership rights in the above software/hardware to You.
8. You agree and acknowledge that you are not registered under the Goods and Services Tax Act, 2017.  

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        12. INDEMNITY

You agree to indemnify the Company, its affiliates, their respective directors, officers and employees from any losses, damages, penalties, claims, costs and demands (including reasonable attorney fees and legal costs) arising out of breach or non-performance and/or non-observance of the duties and obligations, representations, warranties and covenants under the Terms and Conditions or due to Your acts or omissions. You further agree to hold the Company its affiliates, their respective directors, officers and employees harmless against any claims made by any third party due to, or arising out of, or in connection with, Your use of the Platform, any misrepresentation with respect to the data or information provided by You, Your violation of the Terms and Conditions, or Your violation of any rights of another, including any intellectual property rights. In no event shall the Company, its affiliates, their respective directors, officers, partners, consultants, agents and employees, be liable to You or any third party for any special, incidental, indirect, consequential or punitive damages whatsoever, arising out of or in connection with Your use of or access to the Platform or Content on the Platform. 

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The Company and Safe Gold do not guarantee any returns on any transaction consummated with respect to the Services to You, either directly or indirectly. You shall be solely responsible for undertaking appropriate and effective due diligence and related analysis before undertaking any transactions pursuant to these Terms and Conditions. You further acknowledge and agree that the Company, Safe Gold and their respective officers, directors, employees, agents and affiliates will have no liability for Your purchase or other decisions using the Platform.

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      13. LIMITATION IN PLATFORM SERVICES

Please note that Platform Services are not available in all geographical areas and depending on Your location, You may not be eligible to avail certain Platform Services offered by the Company. The Company reserve the absolute right to determine the availability and eligibility for any of the Platform Service offered on the Platform.

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       14. THIRD PARTY LINKS

The Company is not responsible for the availability of Content or other services on third party sites linked from the Platform and the Company urges You to read the terms of use of the respective third-party sites, before accessing or registering with any of such third-party sites. Further, the Company does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through these third-party websites.

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        15. FORCE MAJEURE 

The Company shall not be liable for failure or error of any transaction on the Platform or for any failure on part of the Company to perform any of its obligations under these Terms and Conditions if performance is prevented, hindered or delayed by a Force Majeure event (as defined below) and in such case its obligations under these Terms and Conditions shall be suspended for so long as the Force Majeure event continues. The term “Force Majeure Event” means any event which occurred and is beyond the control of the Company, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, pandemic, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc. 

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The Company and Safe Gold shall be discharged from such performance to the extent of and during the period of such Force Majeure Event, and such non-performance of its obligations shall, in no event whatsoever, amount of a breach of its obligations. 

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         16. SUSPENSION AND TERMINATION 

The Terms and Conditions will continue to apply until terminated by either You or the Company for reasons set forth below. If You object to the Terms and Conditions or are dissatisfied with the Platform, Your only recourse is to (i) close Your registered account on the Platform; and/or (ii) stop accessing the Platform. In case you violate these Terms and Conditions and/ or any applicable law, the Company may, at any time and in its sole discretion, terminate Your Account and/or prevent You from accessing the Platform and the Platform Services. The Company may delist You or block Your future access to the Platform or suspend or terminate your registered account if it believes, in its sole and absolute discretion that You have infringed, breached, violated, abused, or unethically manipulated or exploited any term of these Terms and Conditions.

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Notwithstanding anything in this clause, these Terms and Conditions will survive indefinitely unless and until the Company chooses to terminate or modify them. If You or the Company terminate Your use of the Platform, the Company may delete any Content or other materials relating to Your and the Company shall have no liability to You or any third party for doing so. However, Your transactions details may be preserved by the Company for purposes of tax or regulatory compliance. The Company may modify or amend these Terms and Conditions at any time.

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       17. GOVERNING LAWS

The Terms of Use shall be governed and construed in accordance with the laws of India without reference to conflict of laws principles.

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        18. DISPUTES 

With respect to any dispute regarding the Platform, all rights and obligations and all actions contemplated by these Terms and Conditions shall be governed by the laws of India and subject to this Clause 17, the courts at Bangalore, India shall have exclusive jurisdiction to deal with such disputes. To the fullest extent permitted by applicable law, any dispute, differences or claim arising out of your visit to this Platform, shall be referred to and finally resolved by mediation and in accordance with the dispute resolution provisions under Indian Consumer Protection Act, 2019. Please review our other policies, including privacy policy (accessed at https://www.myjar.app/privacy-policy), posted on the Platform. These policies also govern your visit to the Platform. We reserve the right to make changes to our site, policies, and these Terms and Conditions at any time without any notice to You. 

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        19. COMMUNICATIONS

You hereby expressly agree to receive communication (including transactional messages) or by way of SMS and/or e-mail or through WhatsApp from the Company or any third party in connection with the Platform Services or Your registration on the Platform. You can unsubscribe/ opt-out from receiving communications through e-mail anytime by writing to info@changejar.in 

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        20. GRIEVANCES 

We are committed to resolving all disputes in a fair, effective and cost-efficient manner. We seek to resolve any User concerns through our Grievance cell.

All Grievances related to the use of Platform shall be addressed to Mr. Pankaj Parihar  (Grievance Officer). Please write us on grievance-officer@changejar.in. The Grievance Officer will get back to the User within 48 hours of the receipt of any complaint from You. 

Every grievance will be provided with a complaint or ticket number which can used to track the status of the grievance. Redressal or closure of a grievance might take approximately one month from the date of receipt of complaint. 

However, if you are dissatisfied with our grievance redressal mechanism, the dispute will be resolved through mediation in accordance with Consumer Protection Act, 2019 and as provided in Clause 17 hereinabove. 

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        21. GENERAL PROVISIONS  

1. Notice: All notices from the Company will be served by email to Your registered email address or by general notification on the Platform. Any notice provided to the Company pursuant to the Terms and Conditions should be sent to info@changejar.in.
2. Assignment: You cannot assign or otherwise transfer the Terms and Conditions, or any rights granted hereunder to any third party. The Company’s rights under the Terms and Conditions are freely transferable by the Company to any third party without Your consent. 
3. Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Terms and Conditions, or any portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of the parties as reflected by that provision, and the remainder of the Terms and Condition shall continue in full force and effect.
4. Waiver: Any failure by the Company to enforce or exercise any provision of the Terms and Conditions, or any related right, shall not constitute a waiver by the Company of that provision or right. 

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Changejar Technologies Private Limited. 

Registered Office address: No. 752, 18th main, 6th block, 5th cross Koramangala Bangalore-560095

Tel:  +91-6366693874, Email: info@changejar.in

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