Privacy Policy
This Privacy Policy ("Policy") governs your access to and use of the JointPay website, available at jointpay.in, as well as all services provided through our digital platforms, including mobile applications (Android, Windows, etc.) (collectively referred to as "JointPay", "Platform", or "Website"). This Policy does not apply to third-party sites linked from our platform or to any external business relationships with entities listed on JointPay.
The terms "we", "us", and "our" refer to JointPay, while "you", "your", or "user" refer to any person accessing or using our services. The term "Personal Data" or "Personal Information" refers to identifiable details that you voluntarily provide, such as your full name, contact number, email address, or other information that can be directly or indirectly linked to your identity.
At JointPay, we prioritize your privacy and have implemented appropriate technical and organizational measures to safeguard the personal information collected through our platform. These security measures are designed in accordance with applicable industry standards and the sensitivity of the data handled. However, due to the open nature of internet communication, we cannot guarantee that all data transmissions will remain completely secure.
By continuing to access or use JointPay’s services, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. You also authorize us to collect, store, use, and disclose your personal information as detailed here. If you do not agree with our privacy practices, you should discontinue use of the Website and its services.
Please note, this Privacy Policy is to be read alongside our Terms of Use, which together form a binding agreement for your use of the platform.
Information We Collect and How We Use It
At JointPay, we gather and store certain personal and non-personal information to provide you with a seamless and secure experience on our platform. This data is collected when you register, access, or use our website, mobile apps, or services.
1. Personal Data You Provide
When you engage with our platform, we may collect information that identifies you as an individual. This may include, but is not limited to:
Full name
Mobile number
Email address
Address and identity documents (such as Aadhaar details, if applicable)
Payment or transaction-related information
Any additional information you voluntarily share via forms, registrations, or customer support
If you choose to link a third-party account (such as a social login or banking integration), and authorize data sharing, some details from that account may be transferred to JointPay. All such data received will be treated in accordance with this Privacy Policy.
Please note: You are not required to provide all information, but choosing not to may limit your ability to access certain features or services on JointPay.
2. Automatically Collected Information
When you use our website or mobile application, we automatically collect certain non-personal information such as:
Device information and browser type
IP address and location
Usage data (pages visited, features used, clicks, etc.)
Referral URLs
Technical logs and performance metrics
This helps us understand how users interact with our platform, and enables us to improve our performance and user experience.
Cookies or similar tracking technologies may be used to collect some of this data. You can choose to disable cookies through your browser settings, though doing so may impact functionality.
3. Purpose of Collecting Information
The information we collect is used strictly for the following purposes:
To register your account and enable you to use our services
To personalize your experience on the platform
To provide customer support and resolve technical or transactional issues
To notify you about service updates, new features, offers, or promotions
To improve security and prevent fraud or other illegal activities
To enforce our Terms of Use and maintain compliance with applicable laws
To conduct analysis and research to enhance the efficiency and reliability of our platform
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
However, your information may be shared with trusted service providers and partners who are directly involved in operating our platform, conducting technical processing, handling customer support, or enabling payments — but only to the extent necessary for them to perform their functions.
4. Communication Preferences
By using JointPay, you agree to receive transactional communications as well as periodic service-related messages via SMS, email, or other methods. You can choose to opt out of non-essential communication at any time by using the “unsubscribe” link or contacting our support team.
5. Consent and Control
Whenever we intend to use your data for a purpose different from what was originally stated, we will seek your explicit consent in advance. You have full control over your information and may update, correct, or delete it by logging into your account or contacting our support.
Account Information
When you create a user account on JointPay to access our full suite of services, we collect and securely store key personal details such as your name, email address, and mobile number. Additionally, if required for service delivery or regulatory compliance, we may also collect and retain sensitive personal data, including but not limited to:
Bank account details
KYC documents (such as PAN, Aadhaar, or other ID proofs)
Any other financial or regulatory data as required under applicable laws or RBI guidelines
We may use your registered email address to send you service notifications, updates, promotional emails, newsletters, and other important announcements — but only if you’ve opted in during registration or later via your account settings. If at any time you wish to stop receiving non-essential emails, you can unsubscribe via the link included in our communications.
Your mobile number may be used to send transaction alerts, service notifications, or messages related to your account activity. If you prefer not to receive such SMS communications, you may contact our support team at [support@jointpay.in] to request deactivation of alerts.
JointPay values your privacy and guarantees that your Personal Information will never be sold or made public. We only share your data with trusted partners involved in delivering our services — and never without purpose or consent.
Account Erasure
As a user, you have the right to delete or erase your information from our records. Upon receiving such a request, JointPay will permanently delete all user data from our active servers, in accordance with our data retention and deletion policies.
Payment Customer Information
In cases where customers make payments through JointPay-powered platforms, we may store limited payment-related data solely for transaction processing, legal compliance, or customer support. If a customer chooses to share their personal details (such as contact information) with a business using our services, we simply facilitate the transmission — JointPay does not take responsibility for how that business uses the shared information.
We encourage all users and businesses to act responsibly with customer data and follow best practices in data protection.
Transfer and Disclosure of Information
At JointPay, we do not sell or disclose your personal data to unrelated third parties for marketing purposes. However, there are certain circumstances under which your Personal Information may be shared — strictly to provide services, comply with legal obligations, or improve operational efficiency.
When We May Share Your Information
We may share your information with trusted entities such as:
Financial institutions (including banks, payment processors, or NBFCs)
Regulatory bodies like the RBI, law enforcement, or other government authorities — when legally required
Service providers assisting us in areas like account setup, identity verification, customer support, technology infrastructure, or app functionality (e.g., syncing contacts or enabling third-party services)
Such partners and vendors are contractually bound to use your data solely for the services they’re engaged to perform and not for any other purpose.
Affiliates and Corporate Restructuring
We may disclose your information to affiliated companies, which may include our parent organization, subsidiaries, or companies under common ownership/control, now or in the future. These entities are obligated to handle your data in alignment with this Privacy Policy.
If JointPay is ever involved in a merger, acquisition, or asset transfer, your personal data may be transferred as part of that deal. The acquiring entity would inherit the rights and obligations regarding your information as outlined in this policy.
Legal and Security-Driven Disclosures
Your information may also be shared in good faith under the following situations:
To prevent or investigate potential illegal activity or suspected fraud
To enforce our Terms of Use, other policies, or agreements
To comply with applicable laws, court orders, legal processes, or government demands
To protect the rights, safety, and property of JointPay, our users, partners, or the general public
We do not undertake to verify or contest the legitimacy of any official legal demand we receive.
Sharing Merchant Information with fingpay
In the course of delivering our services, JointPay may share specific merchant information with Fingpay, our backend service or compliance partner, to facilitate services such as onboarding, transaction routing, identity verification, and regulatory reporting. Fingpay is contractually obligated to use this information only for legitimate purposes related to service delivery and is bound by strict confidentiality agreements.
Aggregate and Non-Personal Information
We may also share non-personally identifiable data — such as overall usage patterns or traffic statistics — with partners like advertisers, analytics providers, or business associates for strategic purposes. For example, we may share the total number of users who interacted with a specific feature or viewed certain banners. Such data does not include information that can identify any individual user.
Terms and Modifications to This Privacy Policy
This Privacy Policy may be updated or revised by JointPay from time to time at our sole discretion, without prior notice to users. We encourage you to review this policy regularly so you remain informed about how we protect and use your information.
Any modifications made will become effective immediately upon being published on our platform. By continuing to use JointPay after such updates are posted, you acknowledge and accept the revised policy and agree to be bound by its updated terms.
It is your responsibility to keep your personal details up to date, especially your registered email address, so you continue to receive important communications and policy updates.
If you do not agree with any revised terms or do not wish for your personal data to be used in accordance with the updated policy, you may choose to deactivate your account at any time by contacting our support team.