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We at Greenizon Agritech Pvt. Ltd. ("Jai Kisan”, "we," "us," or "our") know that our users ("you," "your," or "yourself") care about how your personal information is used and shared, and we take your privacy seriously. Please read the following to learn more about our Privacy Policy. By visiting or using the Jai-Kisan websites and domain names, any other linked pages, features, content, mobile applications, and any other services we offer from time to time in connection with any of the foregoing (collectively, the "Website"), you agree to the practices and policies set forth in this Privacy Policy, and you hereby acknowledge and consent to our collection, use, and sharing of your information as described in this Privacy Policy. Capitalized terms that are not defined in this Privacy Policy have the meaning given to them in our Terms and Conditions of Use.
I. WHAT DOES THIS PRIVACY POLICY COVER?
This Privacy Policy covers our treatment of personally identifiable information ("Personal Information") that we gather when you are accessing or using our Website. This policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage, even if you have accessed the websites or services of those companies through our Website.
II. ARE CHILDREN ALLOWED TO USE OUR WEBSITE?
Use of our Website is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are a minor i.e. under the age of 18 years, you may use our Website only with the involvement of a parent or guardian.
We do not knowingly collect or solicit personal information from anyone under the age of 18 or knowingly allow such persons to register for the Services (as that term is defined in our Terms of Use). If you are under 18, please do not attempt to register for the Services or send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 18 may provide any personal information to us or use the Services. If we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 18, please contact us at [email protected].
III. WHAT INFORMATION DOES JAI-KISAN COLLECT?
We gather various types of Personal Information from our users, as explained more fully below. We may use this Personal Information to, among other things, personalize and improve our services, allow our users to set up a user account and profile, contact users, fulfill your requests for certain products and services, analyze how users utilize the Website, or as otherwise set forth in this Privacy Policy. We may share certain types of Personal Information with third parties (as described in this Section and in Section V below). We collect the following types of information:
  1. Information You Provide to Us:
    We receive and store any information you knowingly provide to us. For example, we collect Personal Information including but not necessarily limited to your name, username, phone number, credit card and other billing information, email address, shipping address, and your friends’ email addresses (which we will only use in order to invite them to use the app developed by us), and your third-party account credentials (for example, your log-in credentials for Facebook). If you access the Service through Facebook Connect, you understand that some content and/or information in your Facebook account (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and that Third Party Account Information transmitted to our Services is covered by this Privacy Policy. You can choose not to provide us with any or all of the information we specify or request, but then you may not be able to register with us or to take advantage of some or all of our features. It is your responsibility to ensure that the information you provide us is not false, inaccurate, out of date or misleading information.
    We may anonymize your Personal Information so that you cannot be individually identified and provide that anonymized information to our partners. For example, we allow advertisers to choose the demographic information of users who will see their advertisements and you agree that we may use any of the information we have collected from you in non-personally identifiable form to allow our advertisers to select the appropriate audience for those advertisements.
    If you avail our Bharat Khata app, we shall retain, on our servers, details provided by you with respect to your requirements. We shall, however, ensure that we maintain reasonable information security practices and procedures in compliance with the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011. We shall not share your telecom bills with any third party.
  2. Information Collected Automatically:
    Whenever you interact with our Website, we automatically receive and record information on our server logs from your browser including your IP address, “cookie” information, and the page you requested. “Cookies” are identifiers we transfer to your computer or device that allow us to recognize your browser or device and tell us how and when pages in our Website are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your computer’s or device’s acceptance of cookies, but doing so may prevent you from taking advantage of our Website’s best features. Our advertising partners may transmit cookies to your computer or device when you click on ads that appear on our site. This Privacy Policy does not cover cookies delivered to you by any of our advertisers.
    Information collected automatically may include but not be limited to your browser type, operating system, IP address and the domain name from which you accessed the Site. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Site, the areas or pages of the Site that you visit, the amount of time you spend viewing the Site, the number of times you return to the Site and other click-stream data. If we provide usage information (such as the numbers and frequency of visitors to the Website and to which pages within the Website) to our partners, we will only provide such data in aggregate form, in a manner that assures your anonymity. We may provide this aggregate usage information to our partners; our partners may use such information to understand how often and in what ways people use our Website, so that our partners, too, can endeavor to provide you with an optimal online experience. For example, we may place a cookie on your device that records what products you have viewed on our Website, and then provide that information, in non-personally-identifiable form, to a third party website, to allow such website to show you ads for similar products that are available from us or from third parties.
    We may also deliver a file to you through the Website (known as a "web beacon") from an advertising network we have contracted with. Web beacons allow advertising networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. These beacons may, for example, log that you have viewed a certain product on our Website, and then show you an ad for similar products when you browse to another website. Because your web browser must request these advertisements and web beacons from the ad network's servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their site. Many ad networks participate in the Network Advertising Initiative ("NAI"), a cooperative of online marketing and analytics companies committed to building consumer awareness and establishing responsible business and data management practices and standards, and such NAI members may allow you to opt-out of cookies or beacons they deliver. Again, we do not control the policies of any third parties, including advertising networks.
  3. E-mail and Other Communications:
    We may contact you, by email or other means. For example, we may send you updates about new products, promotional offers, or communicate with you about your use of the Website. Also, we may receive a confirmation when you open an email from us. If you do not want to receive email or other mail from us, please indicate your preference by changing your account settings accordingly, or email us at [email protected].
IV. WHY DO WE COLLECT THIS INFORMATION?
The primary reason we gather information is for customer service. We also use this information to improve our services, website content and navigation, monitor usage of our Website and diagnose problems with our server, gather broad demographic information and provide you with customized content and advertising, including sending you information about new products or promotions using Whatsapp and / or SMS.
V. SECURITY OF YOUR CREDIT CARD INFORMATION
We use Razorpay for processing payments. We / Razorpay do not store your card data on their servers. The data is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS) when processing payment. Your purchase transaction data is only used as long as is necessary to complete your purchase transaction. After that is complete, your purchase transaction information is not saved.
Our payment gateway adheres to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of credit card information.
For more information, please review the terms and conditions of Razorpay at https://razorpay.com.
VI. WILL JAI-KISAN SHARE ANY OF THE PERSONAL INFORMATION IT RECEIVES?
We neither rent nor sell your Personal Information in personally identifiable form to anyone. We share your Personal Information in personally identifiable form with third parties only as described below:
  1. Affiliated Businesses and Third Party Websites We Do Not Control:
    In certain situations, businesses or third party websites we’re affiliated with may sell items or provide services to you through the Website (either alone or jointly with us). You can recognize when an affiliated business is associated with such a transaction or service, and we will share your Personal Information with that affiliated business only to the extent that we deem it related to such transaction or service. One such service may include the ability for you to automatically transmit information from your Bharat Khata account to an account on a third party website or service, such as Facebook. We have no control over the policies and practices of third party websites or businesses as to privacy or anything else, so if you choose to take part in any transaction or service relating to an affiliated website or business, please review all such business’s or websites’ policies.
  2. Agents
    We employ other companies and people to perform tasks on our behalf and need to share your information with them to provide products or services to you. Examples include sending postal mail, e-mails, SMSes and Whatsapp messages, removing repetitive information from customer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments and providing customer service. Unless we inform you otherwise, our agents do not have any right to use the Personal Information we share with them beyond what we deem necessary to assist us in performing such tasks.
  3. User Profiles and Content:
    Certain user profile information, including without limitation a user’s username and the image content that such user has uploaded to the website may be displayed to other users to facilitate user interaction within the Website or address your request for our services. Any content you upload to your public user profile, along with any Personal Information or content that you voluntarily disclose online in a manner other users can view (on discussion boards, in messages and chat areas, etc.) becomes publicly available, and can be collected and used by others. Your username may also be displayed to other users if and when you post comments or upload images through the Website and other users can contact you through such comments. If you sign into the Services through Facebook Connect, your list of “friends” from Facebook may be automatically imported to the Services, and such “friends,” if they are also registered users of the Services, may be able to access certain non-public information you have entered in your Services user profile. Again, we do not control the policies and practices of any other third party site or service.
  4. Business Transfers:
    We may choose to buy or sell assets. In these types of transactions, customer information (which may include your Personal Information) is typically one of the business assets that is transferred. Also, if we (or substantially all of our assets) are acquired, or if we go out of business or enter bankruptcy, Personal Information would be one of the assets transferred to or acquired by a third party.
  5. Protection of Jai-Kisan and Others:
    We may release Personal Information when we believe in good faith that release is necessary to comply with laws; enforce or apply our conditions of use and/or other agreements; or protect the rights, property, or safety of Jai Kisan, our employees, our users, or others. We may exchange information with other companies and organizations (including governmental authorities) for fraud protection and credit risk reduction.
  6. With Your Consent:
    Except as set forth in this Privacy Policy, you will be notified when your Personal Information may be shared with third parties and / or other registered users or service providers at your request or with your consent, and will be able to prevent the sharing of this information.
VII. IS PERSONAL INFORMATION ABOUT ME SECURE?
Your account is protected by a password for your privacy and security. You need to prevent unauthorized access to your account and Personal Information by selecting and protecting your password (or other sign-on protections) appropriately and limiting access to your computer or device by signing off after you have finished accessing your account.
We endeavor to protect the privacy of your account and other Personal Information we hold in our records, but we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time.
The Website may contain links to other sites. We are not responsible for the content or services on such other sites, nor for their privacy policies and/or practices. When following a link to another site you should read that site’s privacy policy.
VIII. WHAT PERSONAL INFORMATION CAN I ACCESS?
Through your account settings, you may access, and, in some cases, edit or delete the following information you’ve provided to us:
Name And Password
Email Address
Billing Information
User Profile Information And User Content, Including Images You Have Uploaded To The Site

The information you can view and update may change as the Website changes. If you have any questions about viewing or updating information, we have on file about you, please contact us at [email protected].
IX. WHAT CHOICES DO I HAVE?
You can always elect not to disclose information to us. However, please keep in mind that we may need some information to allow you to register with us or to take advantage of some or all of our features, and if you choose not to provide that information, your ability to use our Website and services may be limited.
You may be able to add, update, or delete information as explained in Section VII above. When you update information, however, we may maintain a copy of the unrevised information in our records. You may request deletion of your account by visiting your account settings. Please note that some information may remain in our private records after your deletion of such information from your account. We may use any aggregated data derived from or incorporating your Personal Information even if you update or delete it, but we will not use that information in a manner that would identify you personally.
If you do not wish to receive email or other mail from us, please change your account settings accordingly. Please note that if you do not want to receive legal notices from us, such as this Privacy Policy, those legal notices will still govern your use of the Website, and you are responsible for reviewing such legal notices for changes.
X. CHANGES TO THIS PRIVACY POLICY
We may amend or modify this Privacy Policy from time to time, so please review it frequently. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make changes in the way we use Personal Information, we will notify you by posting an announcement on our Website or contacting you directly via email or other means. You are bound by any changes to the Privacy Policy when you use the Website after such changes have been first posted.
XI. QUESTIONS OR CONCERNS
If you have any questions or concerns regarding our privacy policies, please send us a detailed message to [email protected]. We will make every effort to resolve your concerns.
XII. GRIEVANCE OFFICER
In accordance with the RBI's Digital Lending Guidelines , Information Technology Act, 2000 and Rule 3(11) of the Information Technology (Intermediaries Guidelines) Rules, 2011 made there under, the contact details of the Nodal Grievance Redressal Officer are provided below:
Buy Now Pay Later
Greenizon Agritech Consultancy Pvt Ltd (Jai Kisan)
Address: 7th Floor, Office No. 711,
Trade Center Bandra Kurla Complex,
309 Kalina, Bandra East, Mumbai, MAHARASHTRA - 400051
Time: Available from Monday-Saturday (09:00 - 18:00)
Supply Chain Financing
Greenizon Agritech Consultancy Pvt Ltd (Jai Kisan)
Address: 7th Floor, Office No. 711,
Trade Center Bandra Kurla Complex,
309 Kalina, Bandra East, Mumbai, MAHARASHTRA - 400051
Time: Available from Monday-Saturday (09:00 - 18:00)
Any victims of violations by any person of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, may complain in writing by email to the Grievance Officer, and each complaint shall be redressed within one month from the date of receipt thereof.
XIII. SECURITY AND COMPLIANCE WITH INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OR INFORMATION) RULES 2011
We hereby state that, to the best of our knowledge, we are, and shall remain, fully compliant with all requirements of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. We further state that, apart from complying with applicable regulations, we also follow industry best practices to ensure that your Personal Information is not inappropriately used, disclosed, altered, destroyed or misplaced.