Privacy Policy

Last Updated: February 4, 2026

IMPORTANT DISCLOSURE FOR FINANCIAL SERVICES:

Sree Jayavelan Chits (P) Ltd is a registered Chit Fund company under the Chit Funds Act, 1982. This app is a digital catalog and enquiry platform for our registered chit plans and does not directly facilitate online money lending or unsecured personal loans.

Your privacy is critically important to us. This Privacy Policy describes how we collect, use, and protect your personal data when you use the Sree Jayavelan Chits mobile application.

1. Data Collection & Purpose

We only collect data that is necessary to provide you with our chit fund services and support:

1.1 Identity & Communication

Personal Identifiers: We collect your Name and Mobile Number when you submit an enquiry.
Purpose: This data is used solely to respond to your requests and providing information about our chit schemes.

1.2 Location Data (App Permissions)

Our app requests access to your device's Precise Location (GPS) and Approximate Location.

Why we need this: To show you our nearest branch locations and provide region-specific chit plan details.
Strict Compliance: We do NOT track your location in the background. Location data is only accessed while the app is in use.

1.3 Device Information

Security: We collect basic device info (Model, OS version) and IP address for fraud prevention and to maintain app stability.

2. Data Safety Summary (Google Play Requirement)

To help you understand our data practices at a glance:

Data Type	Collected?	Shared?	Purpose
Name & Mobile Number	Yes	No	App Functionality / Account Management
Location	Yes	No	App Functionality (Branch Locator)
Financial History	No	No	N/A (App is for enquiry only)
Contacts / SMS	No	No	N/A

3. Data Sharing & Third Parties

No Selling: We NEVER sell, rent, or trade your personal data to third parties.
WhatsApp Integration: When you use the "Enquiry" feature, you are redirected to WhatsApp. Your interaction there is governed by WhatsApp's own privacy policy.
Legal Compliance: We may disclose information only if required by law or government authorities under Indian Law.

4. Data Storage & Security

We use industry-standard encryption (SSL/TLS) to protect data during transmission. Your information is stored on secure servers with restricted access to authorized personnel only.

5. User Rights & Data Deletion

You have full control over your data:

Access & Correction: You can request to view or update your data by contacting us.
Account Deletion: You can request the deletion of your enquiry records at any time. To do so, please email us at jayavelanchits@gmail.com with the subject "Data Deletion Request".

6. Contact Us

Sree Jayavelan Chits (P) Ltd Registered Office

1st Floor, Mannapparai Road (Near SBI), Thuvarankurichi � 621314

?? +91 90477 11143 | +91 97877 11128

?? jayavelanchits@gmail.com

CIN: U64990TN2023PTC163349

Governing Law

This policy is governed by the laws of India and complies with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.