Capital that arrives exactly when your supply chain needs it.

1. Introduction

These Terms of Use ("Terms") govern your access to and use of the website www.jitfin.co and the JiT Finco platform ("Platform"), owned and operated by JiT Techlabs Pvt. Ltd ("Company", "we", "us", or "our"), a company incorporated under the laws of India, having its registered office at 137, 7th Main Road, 2nd Stage, Indiranagar, Bengaluru, Karnataka, 560038.

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

2. Nature of the Platform

JiT Finco operates as a supply chain finance marketplace. The Platform connects borrowers (including distributors, dealers, suppliers, vendors, and other MSMEs) with lending partners (banks and NBFCs) for the purpose of facilitating supply chain finance transactions.

JiT Finco is not a lender. We do not directly disburse loans, extend credit, or make lending decisions. All lending decisions, loan disbursements, interest rates, and credit terms are determined solely by our lending partners. The Company acts solely as a technology-enabled marketplace facilitating the connection between borrowers and lenders.

3. Eligibility

To use the Platform, you must:

• Be at least 18 years of age
• Be a resident of India or a business entity incorporated/registered in India
• Have the legal authority to enter into binding agreements
• Provide accurate, current, and complete information as required during registration or onboarding

4. Account and Access

Certain features of the Platform may require you to register an account or be onboarded through an anchor corporate programme. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use of your account.

5. Use of the Platform

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You shall not:

• Provide false, misleading, or fraudulent information
• Use the Platform to facilitate money laundering, terrorist financing, or any illegal activity
• Attempt to gain unauthorised access to any part of the Platform or its systems
• Interfere with or disrupt the integrity or performance of the Platform
• Reverse engineer, decompile, or disassemble any aspect of the Platform
• Use automated tools to scrape, crawl, or extract data from the Platform

6. Document Submission

As part of the onboarding or loan facilitation process, you may be required to submit documents including but not limited to bank statements, GST returns, financial statements, identity documents, and business registration certificates. You represent and warrant that all documents submitted are authentic, accurate, and complete. Submission of forged, falsified, or misleading documents may result in immediate termination of your access and may be reported to relevant authorities.

7. Role of Lending Partners

All loan agreements, credit facilities, and financial products offered through the Platform are between you and the respective lending partner. The Company is not a party to any loan agreement and shall not be liable for any disputes, defaults, or claims arising between you and a lending partner. You acknowledge that:

• Loan approval is at the sole discretion of the lending partner
• Interest rates, fees, charges, and terms are set by the lending partner
• The Company does not guarantee loan approval or any specific terms
• Repayment obligations are owed to the lending partner, not to the Company

8. Fees

The Company may charge fees for the use of its Platform or services. Any applicable fees will be communicated to you prior to being charged. The Company reserves the right to modify its fee structure with reasonable prior notice.

9. Intellectual Property

All content on the Platform — including text, graphics, logos, software, technology, and design — is the property of JiT Techlabs Pvt. Ltd or its licensors and is protected under applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Platform without our prior written consent.

10. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, the Company disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or secure.

11. Limitation of Liability

To the maximum extent permitted by applicable law, JiT Techlabs Pvt. Ltd and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Platform, including but not limited to loss of profits, data, business opportunities, or goodwill.

12. Indemnification

You agree to indemnify and hold harmless JiT Techlabs Pvt. Ltd, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of the Platform, violation of these Terms, or infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your access to the Platform at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Platform ceases immediately.

14. Modifications to Terms

The Company reserves the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of the Platform after any changes constitutes your acceptance of the modified Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.

16. Grievance Redressal

If you have any complaints, grievances, or concerns regarding the Platform, you may contact our Grievance Officer:

Email: hello@jitfin.co
Phone: +(91) 9980-621-635
Address: 137, 7th Main Road, 2nd Stage, Indiranagar, Bengaluru, Karnataka, 560038

We will acknowledge your complaint within 48 hours and endeavour to resolve it within 30 days.

17. Contact Us

For any questions about these Terms, please contact us at hello@jitfin.co.

1. Introduction

This Privacy Policy describes how JiT Techlabs Pvt. Ltd ("Company", "we", "us", or "our"), operating under the brand JiT Finco, collects, uses, stores, and protects your personal and business information when you access or use our website www.jitfin.co and the JiT Finco platform ("Platform").

This policy is published in compliance with the Information Technology Act, 2000 and the rules made thereunder, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and is aligned with the Digital Personal Data Protection Act, 2023 ("DPDPA") to the extent applicable.

2. Information We Collect

We collect the following categories of information:

a) Information you provide directly

• Contact information: name, email address, mobile number, company name (via contact forms)
• Business identity documents: PAN, Aadhaar (where applicable for KYC), GST registration certificates, business registration documents
• Financial documents: bank statements, GST returns, financial statements, invoices, and purchase orders submitted as part of the loan facilitation process
• Account credentials: login information if you create an account on the Platform

b) Information collected automatically

• Device and browser information: IP address, browser type, operating system, device identifiers
• Usage data: pages visited, time spent on pages, click patterns, referring URLs
• Cookies and similar technologies: session cookies, analytics cookies, and functional cookies (see Section 7)

c) Information from third parties

• Credit information from credit bureaus (with your consent and through our lending partners)
• Business verification data from public registries (MCA, GSTN)
• Information provided by anchor corporates as part of supply chain finance programme onboarding

3. How We Use Your Information

We use your information for the following purposes:

• To facilitate supply chain finance transactions between you and lending partners
• To verify your identity and assess eligibility for financial products
• To process and transmit your loan applications and supporting documents to lending partners
• To communicate with you about your applications, account, and our services
• To comply with legal and regulatory obligations, including KYC and AML requirements
• To improve, maintain, and secure the Platform
• To analyse usage patterns and optimise the user experience
• To send you relevant updates about our services (with your consent, where required)

4. Sharing of Information

We may share your information with the following parties:

• Lending partners: banks and NBFCs to whom your loan application and supporting documents are submitted for credit assessment and disbursal
• Anchor corporates: the corporate entities through whose supply chain programme you are applying, to the extent necessary for programme administration
• Service providers: third-party vendors who assist with technology infrastructure, data analytics, communication services, and customer support, bound by confidentiality obligations
• Regulatory and legal authorities: where required by law, regulation, legal process, or governmental request
• Credit bureaus: to support credit assessment processes conducted by our lending partners

We do not sell your personal information to any third party.

5. Data Storage and Security

Your data is stored on secure servers located in India. We implement reasonable security practices and procedures consistent with industry standards, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Access controls limiting data access to authorised personnel only
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems

While we take reasonable measures to protect your information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to fulfil the purposes for which it was collected, including:

• Active account or application data: for the duration of your use of the Platform plus 5 years after your last interaction
• Financial and KYC documents: as required by applicable laws and RBI guidelines (typically 5–8 years after the completion of the relevant transaction)
• Contact form submissions: 2 years from the date of submission, unless a business relationship is established

After the applicable retention period, data is securely deleted or anonymised.

7. Cookies

The Platform uses cookies and similar tracking technologies to enhance your experience. The types of cookies we use include:

• Essential cookies: required for the Platform to function correctly
• Analytics cookies: to understand how visitors interact with the Platform (e.g., Google Analytics)
• Functional cookies: to remember your preferences and settings

You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of the Platform.

8. Your Rights

Subject to applicable law, you have the following rights regarding your personal data:

• Right to access: request a copy of the personal data we hold about you
• Right to correction: request correction of inaccurate or incomplete data
• Right to erasure: request deletion of your personal data, subject to legal retention requirements
• Right to withdraw consent: withdraw your consent for data processing at any time, which may affect our ability to provide services
• Right to grievance redressal: raise a complaint regarding the processing of your data

To exercise any of these rights, please contact us using the details in Section 11.

9. Third-Party Links

The Platform may contain links to third-party websites, including those of our lending partners. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Updated versions will be posted on this page with a revised "Last updated" date. Your continued use of the Platform after changes are posted constitutes your acceptance of the revised policy.

11. Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of our Grievance Officer are:

Email: hello@jitfin.co
Phone: +(91) 9980-621-635
Address: 137, 7th Main Road, 2nd Stage, Indiranagar, Bengaluru, Karnataka, 560038

We will acknowledge your query or complaint within 48 hours and endeavour to resolve it within 30 days of receipt.

12. Contact Us

If you have any questions or concerns about this Privacy Policy, please reach out to us at hello@jitfin.co.