Overview
Jums World ("we", "us", "our") is a referral marketing platform operated by Jums World Private Limited, a company registered under the Companies Act, 2013 with its registered office in Chennai, Tamil Nadu, India.
This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website (jumsworld.com), use our mobile application, or otherwise interact with our services (collectively, the "Platform").
By registering or using the Platform, you consent to the practices described in this Policy. If you do not agree, please do not use our services.
Information We Collect
We collect information in three ways:
2.1 Information You Provide
| Category | Examples | When Collected |
|---|---|---|
| Account details | Full name, email address, mobile number, password (hashed) | Registration |
| Profile data | Profile photo, city, preferred language | Profile setup |
| KYC / Identity | PAN card number, Aadhaar (masked), bank account / UPI details | Payout verification |
| Communications | Support chat messages, email queries, feedback forms | Customer support |
2.2 Information Collected Automatically
- Device & technical data — IP address, browser type, OS version, device model
- Usage data — pages visited, referral links clicked, products viewed, time spent on the platform
- Transaction data — referral commissions earned, withdrawal amounts, dates, and status
- Location data — country and state (derived from IP); precise location only if you grant permission in the app
- Log data — server logs including error reports, access timestamps
2.3 Information from Third Parties
- Social login data (name, email, profile picture) if you sign in via Google or Facebook
- Payment gateway confirmation data from Razorpay / PayU for withdrawal verification
- Fraud-detection signals from our payment and security partners
How We Use Your Data
We use the information collected to:
Authenticate you, personalise your dashboard, and keep your profile up to date.
Track referral sales, calculate earnings, verify identity, and transfer funds to your UPI or bank.
Analyse usage patterns to fix bugs, optimise performance, and develop new features.
Transaction confirmations, earnings alerts, product updates, and occasional promotional offers (opt-out anytime).
Detect fake referrals, unauthorised access, and other fraudulent activities to protect the community.
Meet obligations under Indian tax law (TDS on commissions), the IT Act, 2000, and other applicable regulations.
Data Security
We implement industry-standard technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction:
All data transmitted between your device and our servers is encrypted in transit.
Sensitive data including KYC and financial records is encrypted at rest.
Passwords are stored as bcrypt hashes — never in plain text.
Role-based access ensures only authorised staff can access personal data, with full audit logs.
Quarterly security audits and annual penetration testing by independent firms.
In the unlikely event of a data breach, we will notify affected users within 72 hours as required by law.
While we take every reasonable precaution, no method of internet transmission or electronic storage is 100% secure. We encourage you to use a strong, unique password and enable two-factor authentication on your account.
Data Retention
We retain your personal data for as long as your account is active or as needed to provide services. Specific retention periods:
| Data Type | Retention Period | Reason |
|---|---|---|
| Account & profile data | Duration of account + 2 years after deletion | Dispute resolution |
| Transaction & commission records | 7 years | Income Tax Act requirements (TDS records) |
| KYC documents | 5 years after last transaction | PMLA / RBI guidelines |
| Support communications | 3 years | Quality assurance & legal disputes |
| Server logs & usage analytics | 90 days (rolling) | Security monitoring |
| Marketing preferences | Until opt-out or account deletion | Consent management |
After the applicable retention period, data is securely deleted or anonymised so it can no longer be linked to you.
Your Rights
Under the Digital Personal Data Protection Act, 2023 (DPDPA) and other applicable Indian law, you have the following rights:
Right to Access
Request a copy of the personal data we hold about you.
Right to Correction
Ask us to correct inaccurate or incomplete personal data.
Right to Erasure
Request deletion of your account and personal data (subject to legal retention requirements).
Right to Portability
Receive your data in a structured, machine-readable format (JSON / CSV).
Right to Withdraw Consent
Opt out of marketing communications at any time via account settings or the unsubscribe link.
Right to Grievance Redress
Lodge a complaint with our Data Protection Officer within 48 hours of raising a concern with us.
To exercise any of these rights, email privacy@jumsworld.com with the subject line "Data Request — [Your Registered Email]". We will respond within 30 days.
Cookies & Tracking
We use cookies and similar technologies to operate the Platform, remember your preferences, and measure performance. Here is what we use and why:
| Cookie Type | Purpose | Can You Opt Out? |
|---|---|---|
| Strictly Necessary | Session management, authentication, CSRF protection | No — required for the site to function |
| Functional | Remembering language preferences, login state | Yes — via browser settings |
| Analytical | Google Analytics — page views, session duration, referral sources | Yes — via cookie settings or browser opt-out |
| Referral Tracking | Tracks which referral link led to a purchase so commissions are correctly attributed | No — core to the commission system |
You can manage cookie preferences via your browser settings. Note that disabling certain cookies may affect the functionality of the Platform.
Payments & KYC
To process commission withdrawals, we are required under Indian financial regulations to collect Know Your Customer (KYC) details:
- PAN Card — mandatory for earnings above ₹50,000/year (TDS deduction under Section 194-O)
- Aadhaar (masked) — for identity verification only; the full 12-digit number is never stored
- Bank account / UPI ID — for payout processing via Razorpay or direct IMPS transfer
Children's Privacy
The Jums World Platform is intended for users who are 18 years of age or older. We do not knowingly collect personal information from minors under 18.
If we discover that a minor has provided us with personal information, we will promptly delete that data and terminate the associated account. If you believe a minor has registered on our Platform, please contact us immediately at privacy@jumsworld.com.
Third-Party Links
Our Platform may contain links to third-party websites, brand partner pages, or social media platforms. We have no control over the content or privacy practices of those sites and are not responsible for their privacy policies.
We encourage you to review the privacy policy of every external site you visit. Our policy applies solely to information collected on the Jums World Platform.
Policy Changes
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes we will:
- Update the "Last updated" date at the top of this page
- Send an in-app notification and/or email to all registered users
- For significant changes, request fresh consent before processing your data under the new terms
Continued use of the Platform after the effective date of a revised policy constitutes your acceptance of the changes.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please reach out to our Data Protection Officer:
Coimbatore - 641653, Tamil Nadu