Privacy Policy

Last Updated: 28 May 2024

Welcome to JoyLoan.in/blogs. This privacy policy explains how Joy Loan (“we”, “us”, or “our”) collects, uses, discloses, and protects your information when you visit our website and use our services. By accessing JoyLoan.in/blogs, you agree to the terms outlined in this privacy policy.

1. Information We Collect

We collect various types of information to provide and improve our services, including:

  • Personal Identification Information: Name, email address, phone number, and postal address.
  • Financial Information: Information related to your loans and financial status.
  • Usage Data: Information on how you use our website, such as IP address, browser type, and browsing history.
  • Cookies and Tracking Technologies: We use cookies and similar tracking technologies to monitor activity and improve our services.

2. How We Use Your Information

We use the collected information for various purposes, including:

  • To provide and maintain our services
  • To notify you about changes to our services
  • To provide customer support
  • To gather analysis or valuable information to improve our services
  • To monitor the usage of our services
  • To detect, prevent, and address technical issues
  • To provide you with news, special offers, and general information about other goods and services we offer

3. Legal Basis for Processing Personal Data

We process your personal data under the following legal bases:

  • Consent: By providing your personal information, you consent to its processing.
  • Contract: Processing your data is necessary for the performance of a contract with you.
  • Legal Obligation: We may process your data to comply with legal obligations.
  • Legitimate Interests: Processing your data is in our legitimate interests and does not override your rights.

4. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations, resolve disputes, and enforce our agreements.

5. Data Protection Rights

Although GDPR applies to individuals located within the European Union (EU) and the European Economic Area (EEA) for the services provided in these regions. Our services are provided primarily in India and thus GDPR does not apply. Likewise CCPA, and CPRA does not apply.

Yet for individuals located in EU, EEA, and California we provide the following rights regarding your data:

  • Access: You have the right to request copies of your personal data.
  • Rectification: You have the right to request correction of any information you believe is inaccurate.
  • Erasure: You have the right to request the deletion of your personal data, under certain conditions.
  • Restriction of Processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
  • Object to Processing: You have the right to object to our processing of your personal data, under certain conditions.
  • Data Portability: You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

To exercise these rights, please contact us at [email protected].

6. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction.

7. International Transfers

Your information, including personal data, may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ. We ensure that your data is securely transferred and processed in accordance with this privacy policy.

8. Changes to This Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page. You are advised to review this privacy policy periodically for any changes.

9. Contact Us

If you have any questions about this privacy policy, please contact us:

  • Email: [email protected]
  • Address: 396, Second Floor, Sector 23, Faridabad, Haryana, IN – 121005

By using JoyLoan.in/blogs, you acknowledge that you have read and understood this privacy policy.