Privacy Policy

1. About Us

Business Name: JB Financial Consultants (JBFC)
Entity Type: Proprietorship Firm
Registered Office: Thane, Maharashtra, India
Website: https://jbfc.co.in
Contact Email: info@jbfc.co.in
Contact Phone: +91-8806288000

JBFC is a loan advisory and facilitation firm. We are not a bank, not a Non-Banking Financial Company (NBFC), and we do not directly lend money. We act as an intermediary between businesses and institutional lenders, facilitating access to business loans, MSME loans, working capital, and other financial products.

2. Information We Collect

In the course of providing our loan advisory services, JBFC may collect the following categories of information:

2.1 Personal Identification Information

• Full name, date of birth, and gender
• PAN card number and Aadhaar number
• Passport, Voter ID, or Driving Licence (as applicable)
• Residential and business addresses
• Phone numbers and email addresses

2.2 Business and Financial Information

• Business name, registration number, and GST number
• Annual turnover, profit & loss statements, and balance sheets
• Bank account statements (typically 12 months)
• Income Tax Returns (ITR) for up to 3 years
• GST returns and GSTR filings
• Credit bureau reports (CIBIL, Experian, CRIF)
• Property documents (for secured loan applications)
• Loan requirement details (amount, purpose, tenure)

2.3 Website Usage Information

• IP address and browser type
• Pages visited, time spent, and navigation patterns
• Referral source (how you found our website)
• Contact form submissions and consultation requests
• WhatsApp messages and conversation history

3. How We Use Your Information

JBFC uses your information solely for the purpose of providing loan advisory and facilitation services. Specific uses include:

• Eligibility Assessment: Evaluating your loan eligibility based on financial and credit profile
• Lender Matching: Presenting your profile to suitable banks and NBFCs from our network
• Application Processing: Preparing and submitting loan applications on your behalf
• Communication: Keeping you informed on application status, lender responses, and next steps
• Compliance: Meeting KYC, AML (Anti-Money Laundering), and regulatory requirements
• Service Improvement: Analysing usage patterns to improve our website and services
• Marketing (with consent): Sending relevant loan scheme updates, eligibility alerts, or newsletters — only if you have opted in

4. Sharing of Information

JBFC does not sell, rent, or trade your personal or financial information to third parties for commercial purposes. We share your information only in the following circumstances:

• Lending Institutions: We share your financial and KYC documents with banks and NBFCs specifically for the purpose of loan application — only with your knowledge and consent
• Credit Bureaus: As required for credit assessment (CIBIL, Experian, CRIF)
• Legal Compliance: When required by law, court order, or regulatory authority (e.g., RBI, SEBI, Income Tax Department)
• Service Providers: Technology or administrative partners who assist us in operating our website or CRM — bound by strict confidentiality agreements

5. Data Storage and Security

JBFC takes the security of your financial and personal data seriously. We implement the following measures:

• Documents shared with JBFC are stored on password-protected, encrypted systems
• Physical documents (if any) are kept in secure, access-controlled premises
• Our website uses HTTPS/SSL encryption for all data transmission
• Access to client data is restricted to authorised JBFC personnel only
• Documents and data are retained for the period required by applicable law — typically 7 years — and then securely deleted
• In the event of a data breach, JBFC will notify affected clients and relevant authorities as required under the Digital Personal Data Protection Act 2023 (DPDP Act)

6. Your Rights Under the DPDP Act 2023

Under India's Digital Personal Data Protection Act 2023, you have the following rights with respect to your personal data:

• Right to Access: Request a copy of the personal data JBFC holds about you
• Right to Correction: Request correction of any inaccurate or incomplete personal data
• Right to Erasure: Request deletion of your personal data (subject to legal retention obligations)
• Right to Withdraw Consent: Withdraw consent for data processing at any time — this will not affect processing already carried out
• Right to Grievance Redressal: Lodge a complaint with JBFC's designated grievance officer

To exercise any of these rights, email us at info@jbfc.co.in with the subject line "Data Privacy Request". We will respond within 30 days.

7. Cookies and Website Tracking

Our website jbfc.co.in uses cookies and similar tracking technologies to improve user experience and analyse website traffic. We use:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Google Analytics 4 to understand visitor behaviour (anonymised data)
• Marketing Cookies: For retargeting campaigns on Google and Meta platforms (only if you consent)

You can disable cookies through your browser settings. Disabling essential cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites, including lender portals and government websites. JBFC is not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before submitting any information.

9. Children's Privacy

JBFC's services are intended exclusively for business entities and adults (18 years and above). We do not knowingly collect personal information from minors. If we become aware that a minor has submitted personal data, we will delete it immediately.

10. Changes to This Policy

JBFC reserves the right to update this Privacy Policy at any time to reflect changes in our practices, technology, or applicable laws. The updated policy will be published on this page with a revised "Last Updated" date. Continued use of our services after such changes constitutes acceptance of the updated policy. We recommend reviewing this page periodically.