Privacy Policy

Updated on: Aug 20, 2026

This Privacy Policy (“Policy”) of Bharosepe Technology Services Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at 100 Ft Road, HAL 2nd Stage, Indiranagar, Bengaluru, Bangalore, Karnataka – 560038 (“we”, “us”, “our” or “Company”), is intended to inform users, merchants, unregistered visitors, and any other person(s) (collectively, “Users”, “you”, “your” or “yours”) of our policies and practices regarding the collection, use, storage, and disclosure of information when you access or use the Company application and/or website (together, the “Platform”), for any purpose, including but not limited to availing of the Services (as defined below).

At the Company, we place the highest importance on safeguarding the privacy of our Users and customers. We are committed to using your Personal Data (as defined below) strictly in accordance with this Policy. For this Policy, “Personal Data” shall include any information considered ‘Personal Information’ or ‘Sensitive Personal Information’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“SPDI Rules”).

This Policy is published in accordance with the provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal data or Information) Rules, 2011, framed under the Information Technology Act, 2000 (as amended from time to time). This Policy constitutes a binding and legally enforceable agreement between the Company and the User.

By using or accessing the Platform, you acknowledge and agree to the terms of this Policy, which is incorporated by reference into the Merchant Terms of Use accessible at https://collect.jodo.in/term-of-use/ and the Customer Terms of Use accessible at https://collect.jodo.in/term-of-use/customer/ (“Terms”) (as applicable to you), and consent to the processing of your Personal Data in accordance with the terms hereof. Subject to applicable laws, these terms (including any amendments) will apply from the date of your first use of the Platform.

The availability of the recurring and automated payment facility offered by payment aggregators partnered with the Company (“Payment Partners”), through various payment instruments (including via setting up mandates and enabling autopay on Unified Payments Interface (“UPI”), without the need for a separate payment integration system (collectively, the “Services”), is contingent upon your acceptance of this Policy and the privacy policies of our Payment Partners. You acknowledge that any collection, processing, or storage of your information, including Personal Data, by such Payment Partners will be governed solely by their respective privacy policies, and the Company has no control over the same.

We encourage you to read this Policy carefully before using the Platform and/or the Services, to understand how we handle your information, including any Personal Data.

IF YOU DO NOT AGREE TO THE TERMS OF THIS POLICY, PLEASE DO NOT ACCESS OUR PLATFORM.

By using this Platform and/or the Services, you confirm that you either own or have been duly authorised to use and share any information you provide to the Platform. You further represent that your use of the Platform and/or the Services does not violate any applicable law or any contractual obligation to which you are subject and does not infringe upon or otherwise prejudice the rights of any third party. The User agrees to indemnify and hold harmless the Company from and against any claims, losses, liabilities, or penalties arising out of or in connection with any breach of this representation.

You shall always, take adequate necessary precautions, at your end, to preserve the integrity and security of your data, which shall include and not be limited to your Personal Data. All information disclosed by you shall be deemed to be disclosed willingly and without any coercion.

We place the highest importance on respecting and protecting your privacy. The objective of this Policy is for you to understand better:

The type of information we may collect from you;
The purpose for which the information may be collected by us;
The use of such information by the third parties with whom we may share your information;
The data retention and information security measures implemented by us;
Changes and updates to this Policy; and
Your rights under this Policy.

We aim for full transparency on how we gather, use, and share your information.

1. INFORMATION WE MAY COLLECT

1.1. When you use the Services or otherwise communicate with us, we collect Personal Data that you provide to us directly. For example, we collect Personal Data in the following circumstances: you (i) use our Platform, (ii) register for the Services or create an account or profile or accept the creation of an account or profile on your behalf (an “Account”) for availing the Services, (iii) disclose information during use of the Services; (iv) request technical support; and/or (v) contact us via the Platform or otherwise communicate with us.

1.2. You can choose not to provide any Personal Data that is requested of you by us or ask us to delete any Personal Data provided by you; however, this may limit your ability to use or access the Services.

1.3. The Personal Data you provide to us directly or we collect may include, without limitation, the following categories of data:

When you use or access our Platform for the purpose of obtaining our Services, we may seek or collect, amongst other information and User identifiers, your name, email id/business e-mail, phone number, date of birth/ incorporation, business documents such as GST certificate, business/personal PAN etc.. Such information will only be received by the Company when you voluntarily share it on the Platform and will be required for generating your Account and associated profile on the Platform.
Bank details, including but not limited to account no. and IFSC code may be collected for facilitating the Services.
The Company may collect certain data from you, including your IP address, and device information, in order to maintain technical and usage logs for the purposes of security monitoring and fraud prevention in compliance with applicable laws and to support the ongoing improvements to our Services and analytics.
The Company may collect location information from your device when you use or access the Platform. Such location information may include precise or approximate location information, depending on the permissions granted by you through your device. The Company may use such information for the purposes of completing and supporting Know Your Customer (KYC) and merchant verification processes, and for security monitoring, fraud prevention and detection of unauthorised activity. Location access is required for accessing the Platform and availing the Services.

1.4. Information we receive from other sources (“Third-Party Information”): We may collect information about you from third parties, such as credit bureaus and credit information companies, based on your request and consent under this Policy. Such Third-Party Information is subject to and governed by the privacy policies of the relevant third parties.

We may receive Personal Data about you from various public sources including our third-party service providers for advertising and user analytics purposes, and other publicly available sources in connection with our provision of Services to you, or in connection with your use of the Sites or Services that you choose to avail. Please note that we do not have any control over personal data that you may choose to make publicly available. For example, if you post reviews, comments, or messages on public sections of the Platform, you do so at your own risk. We are not liable for any third-party misuse of such data. This data helps us create your profiles, complete mandatory KYC as part of the preliminary onboarding process with our Payment Partners, and provide you customized support in case of issues.

1.5. The Company shall bear no liability for the authenticity or accuracy of any information provided by you. Furthermore, the Company has no obligation to verify, and shall not be held responsible for verifying, any information received from you.

1.6. The Company may also collect certain non-personal information from the User such as usage data. This information is used to enhance, improve, and personalise your experience with the Services, facilitate communication with you, monitor usage, and support other internal operational and business purposes.

2.1. We can only use your Personal Data if we have a proper reason for doing so. We will use your Personal Data for one or more of these reasons:

To fulfil a contract for providing the Services we have with you, or
If we have a legal duty to use your data for a particular reason, or
For any other purpose, when we get your consent to use it.
to provide any support or assistance with respect to the Services based on your request
to enforce our Terms
to resolve any disputes or address any disputes in relation to the Services
to contact you to obtain feedback from you regarding the Services.
to further our legitimate interests in monitoring and analyzing the use of the Services and for the technical administration of the Platform
To understand User preferences requirements;
To permit User to participate in interactive features/additional functionalities offered through the Platform;
To improve the content, our business and delivery models with respect to the Services

2.2. In collecting your information under this Policy, we confirm that all data is securely stored on servers located within India, fully compliant with statutory guidelines and regulatory instructions.

2.3. We do not sell or rent your Personal Data to anyone.

2.4. By using the Platform, and furnishing information in relation to the Platform, you hereby agree that you are interested in acquiring knowledge of and availing various products, services, offers, that we display on our Platform. The Company may use email id/business e-mails or contact information provided by the User for furnishing information in relation to the Platform or information about various products, services, offers, that we display on our Platform or may offer in the future and for providing any support services in relation to the Services

2.5. We may be required to use and retain Personal Data for legal and compliance reasons, such as the prevention, detection, or investigation of a crime; loss prevention; or fraud. We may also use Personal Data to meet our internal and external audit requirements, information security purposes, and as we otherwise believe to be necessary or appropriate:

Under applicable law, which may include laws outside your country of residence;
To respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include such authorities outside your country of residence.

2.6. We endeavor to collect only such data/information that is reasonably necessary to perform Services for you or to respond to your inquiries. You are responsible for ensuring that the information you provide is accurate and complete.

3. HOW WE USE COOKIES AND OTHER TECHNOLOGIES

3.1. We may use a variety of tracking technologies, such as cookies, web beacons, and local shared objects on the Platform. These tools help us collect certain information about your device, browsing behavior, and usage of the Platform, including your browser type, search preferences, and interactions with advertisements (such as any ads shown to you or clicked by you).

3.2. This information helps us enhance and personalize your experience and supports our efforts to improve the Services. You have the option to manage or disable some of these technologies through your device or browser settings. Please note, however, that doing so may limit your ability to access certain features or functionality of the Platform or Services.

3.3. Some of these technologies may include unique identifiers that are stored on your device or embedded in communications we send to you. We are committed to protecting your privacy and will use any data collected strictly in accordance with applicable laws and regulations.

4. DATA RETENTION BY US

4.1. Company retains your Personal Data for as long as necessary to fulfill legitimate legal or business purposes as identified in this Policy. In determining appropriate retention periods, the Company considers applicable local laws, contractual obligations, and the expectations and requirements of its Users. Once the Personal Data is no longer required for these purposes, it is securely deleted or destroyed in accordance with applicable data protection standards.

4.2. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies, including the Terms.

4.3. We encourage you to review the information you share with us and inform us about any discrepancies. Please contact us at collect@jodopay.com if you would like to review the information you have submitted to us.

5.1. We may disclose or share certain Personal Data that you provide to us or that we collect automatically on the Platform and through our Services to the following categories of third parties in the following manner, but only if it is necessary and in compliance with relevant laws and regulations:

Payment Partners: We may share certain Personal Data with our Payment Partners for enabling the Services on the Platform and for providing a seamless experience of the Services to you. These payment processors are responsible for the processing of your Personal Data and may use your Personal Data for their own purposes in accordance with their privacy policies. We encourage you to read the privacy policies of our Payment Partners before accessing or utilising the Services.
Other Service Providers. We may share certain Personal Data with service providers providing KYC services which help us fetch personal and business information for digital onboarding & marketing tech software companies which help us with marketing attribution, targeting notification etc.
Law enforcement agencies, public authorities or other judicial bodies and organizations: We disclose Personal Data if we are legally required to do so, or if we have a good faith belief that such use is reasonably necessary to comply with a legal obligation, process or request; enforce our Terms and other agreements, policies, and standards, including investigation of any potential violation thereof; detect, prevent or otherwise address security, fraud or technical issues; or protect the rights, property or safety of us, our Users, a third party or the public as required
We disclose Personal Data or records reflecting Personal Data to our subsidiaries and affiliates, or a subsequent owner, co-owner or operator of our Platform and/or Services, and their advisors in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our stock and/or assets, or in connection with bankruptcy proceedings, or other corporate reorganization, in accordance with this Policy and subject to the requirement under applicable laws.

5.2. We are committed to protecting the privacy of our Users and will only disclose any Personal Data to third parties when it is necessary and in compliance with relevant laws and regulations. We will also implement strict contracts and data processing agreements with third parties to ensure that they are only using Personal Data for the specific purposes outlined by us, and that they are protecting the privacy and security of the Personal Data they receive.

6. INFORMATION SECURITY

We work to protect your information from loss, misuse, or unauthorised alteration by using industry-recognised security safeguards, coupled with carefully developed security procedures and practices. Our information security policies and procedures are closely aligned with widely accepted international standards and are reviewed regularly and updated as necessary to meet our business needs, changes in technology, and regulatory requirements.

We are ISO-27001 compliant, and comply with applicable data security requirements, and implement standards and best industry practices. We implement certain security measures, including encryption and firewalls, to protect your Personal Data from unauthorised access and such security measures comply with the security practices and procedures as prescribed under the Information Technology Act, 2000 and the SPDI Rules thereunder.

7. DISCLAIMER

7.1. Company implements stringent security measures to safeguard the Personal Data you provide to us. All such information is stored securely to prevent its loss, misuse, unauthorised disclosure, alteration, or destruction. These security protocols are reviewed and updated periodically. However, Company shall not be liable for any breach of security during the transmission of User’s data over the internet, including any unintended loss, misuse, alteration, or disclosure of such information or any loss of such data caused due to reasons beyond the reasonable control of the Company.

7.2. Furthermore, notwithstanding anything contained in this Policy, we shall not be responsible for any loss, damage, or misuse of data that arises due to (i) an event of force majeure, or (ii) any act or omission on your part.

7.3. Visitors to this Platform and every third party are hereby informed that the owners of this Platform do not collect any information unless it is explicitly provided by you.

8. DATA PURGING REQUESTS BY THE USERS

We will delete your Personal Data when it is no longer needed for the purposes for which it was collected, or when you request us to do so by writing to us at collect@jodopay.com. You agree and acknowledge that your Personal Data will continue to be stored and retained by us as required or permitted by applicable laws or as required for defending future legal claims against us.

We provide the following mechanisms to support Personal Data deletion in line with User preferences and compliance requirements.

User-initiated deletions: The User may permanently delete their Personal Data, with such deletion propagating immediately across all indexes and caches. You acknowledge that upon such deletion, the Company, acting as a facilitator of payments in partnership with its Payment Partners, will be unable to make the Services, or any part thereof, available to you. This deletion is irreversible.
Account closure: All User profile-related Personal Data is fully wiped from production systems within approximately ninety (90) days in order to ensure that all billing or pending transaction-related disputes are resolved. However, Personal Data in relation to the Services and the Account may be stored by the Company as required under law, to fulfil obligations or address claims in a legal dispute, or by the Payment Partners in accordance with their privacy policies.

You may choose to withdraw your consent provided hereunder at any point in time or object to or restrict the processing of your Personal Data. Such withdrawal of consent must be sent in writing to collect@jodopay.com. In case you withdraw your consent, we request you not to access the Platform.

We will review and respond to all such requests promptly, in accordance with applicable legal requirements.

10. USER COMMUNICATION AND MARKETING AUTHORIZATION

By using the Platform, and furnishing information in relation to the Services, you hereby agree that you are interested in acquiring knowledge of and availing various products, services, offers, or campaigns that the Company displays on its Platform, including but not limited to offers provided by our partners.

You, while providing information, expressly consent to Us (including our IVR, third-party marketing channels, and network of partners) contacting and communicating with you through SMS, Whatsapp, call and/or e-mail and conducting follow-up calls in relation to the Services, i.e., for imparting Services knowledge, and informing about promotional offers running on the Platform.

Once you create an Account, you are not anonymous to us. In the event your Account, at the time or during registration with us is created using your (a) cell phone number and password; (b) email address and password; or (c) google or other social media logins (if applicable), as the case maybe, you authorize us (and our business partners) to send texts and email alerts to you with your login details and any other Service requirements, including promotional mails and SMS, even if you have registered yourself under NCPR services. Your authorisation shall be valid as long as your Account is not deactivated. Further, any acceptance by you from the mobile number(s) and email ID (s) provided by you will be binding in nature. You confirm that laws concerning the unsolicited communication referred to in “National Customer Preference Register” (the “NCPR”) will not be applicable for such communication received from us.

11. THIRD-PARTY WEBLINKS

Users acknowledge that the Platform may contain links to other websites. If a User clicks on a third-party link, the User will be directed to that website. Note that these external sites are not operated by the Company. Therefore, it is strongly advised that Users review the privacy policies of these websites or external links. The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12. CHANGES TO THE PLATFORM AND THIS POLICY

We reserve the right to modify or amend the terms of our Policy from time to time. We shall post any changes to this Policy on our webpage and, if the changes are significant, we shall provide more prominent notice. While we will make reasonable efforts to keep you posted on any updates to this Policy, to make sure that you are aware of any changes, we recommend that you visit our website frequently to review this Policy periodically. In the event we modify this Policy, your continued use of the Platform will signify your acceptance of the modified Policy and will be adequate proof that you have expressly agreed to the terms of this Policy which shall apply from the date of your first use of the Platform.

13. GRIEVANCE REDRESSAL

13.1. In accordance with the provisions of applicable laws, the name and contact details of the Grievance Officer are provided below:

Email ID: collect@jodopay.com

13.2. If you have questions or concerns about this Policy or if you wish to make a complaint regarding any violation of the provisions of this Policy, please contact our Grievance Officer at the details provided hereinabove.

13.3. Response Timelines: The Grievance Officer can be contacted between 10:30 a.m. to 6:00 p.m. from Monday to Friday except on public holidays. We will acknowledge your complaint within 48 hours and aim to resolve it within 7 days from the date of receipt of the same, in accordance with the applicable law.

13.4. Any question or concerns with respect to the storage/processing/collection or sharing of your Personal Data by the Payment Partner shall be addressed by the Payment Partner in accordance with their privacy policies and applicable laws.

14. GOVERNING LAW AND JURISDICTION

This Policy shall be governed by the laws of India and the courts of Bengaluru, Karnataka shall have the exclusive jurisdiction to try any dispute arising thereof.