1. About Jaush Care

Jaush Care is operated by:

For applicable data-protection purposes, Jaush Marketing and Consultancy Pvt. Ltd. may act as the Data Fiduciary in respect of personal data for which Jaush determines the purpose and means of processing.

Certain services made available through Jaush Care may be provided by independent third parties such as healthcare providers, diagnostic laboratories, pharmacies, insurers, authorised insurance intermediaries, administrators, lenders, payment service providers and technology providers.

Such third parties may have their own legal responsibilities, terms and privacy policies.

2. Scope of This Privacy Policy

This Privacy Policy applies to personal data collected through:

• The Jaush Care website;
• Jaush Care membership applications;
• Membership purchase and activation;
• Online forms;
• Customer support interactions;
• Health Guardian interactions;
• Email, SMS, telephone, WhatsApp and other permitted communications;
• Jaush Care portals, applications or digital services, where applicable;
• Feedback and complaint mechanisms;
• Membership renewal and cancellation processes; and
• Other interactions relating to Jaush Care.

This Policy does not automatically govern third-party websites, applications or services that you may access through Jaush Care.

Where you use a third-party service, that provider may collect and process your information independently. You should review the applicable third party’s privacy policy and terms before using such service.

3. What Personal Data We Collect

The information we collect depends on how you interact with Jaush Care. We seek to collect only information reasonably necessary for the relevant purpose.

3.1 Identity and Contact Information

• Name;
• Mobile number;
• Email address;
• Date of birth or age, where required;
• Gender, where required;
• Residential or correspondence address, where required;
• Jaush customer details;
• Membership details;
• Customer or membership identification information; and
• Information necessary to verify your eligibility for Jaush Care.

3.2 Government-Issued Identity Information

For certain Jaush Care memberships, protection benefits or policy issuance processes, we may be required to collect government-issued identity information from you.

Depending on the applicable product, insurer, authorised intermediary or policy-issuance requirement, this may include:

• PAN (Permanent Account Number);
• Aadhaar number or applicable Aadhaar-related information;
• Other identity information specifically required for policy issuance;
• Information appearing on an identity document, where required; and
• Information required to establish or match the identity of the relevant member or policyholder.

3.3 Membership Information

We may collect information relating to your Jaush Care membership, including:

• Membership plan;
• Membership start date;
• Membership expiry date;
• Membership status;
• Benefits available to you;
• Benefits used;
• Renewal information;
• Cashback information;
• Discount or offer information;
• Service requests;
• Customer support interactions; and
• Membership-related communications.

3.4 Payment and Transaction Information

When you purchase a Jaush Care membership, we may collect:

• Transaction amount;
• Transaction date and time;
• Transaction ID;
• Payment status;
• Order or membership reference;
• Refund information;
• Payment method;
• Limited payment-related information; and
• Invoice or billing information.

Payments may be processed through third-party payment gateways.

Where payment processing is performed by a third-party payment service provider, Jaush does not ordinarily receive or store your complete card number, CVV, UPI PIN, banking password or other payment authentication credentials.

You should never share your UPI PIN, card PIN, banking password or OTP with Jaush personnel.

4. Government-Issued Identity Information & Policy Issuance

Certain Jaush Care memberships may include protection benefits or other services for which policy issuance requires specified identity information.

Where applicable, Jaush may collect the identity information required by the relevant insurer, authorised insurance intermediary or other authorised service provider as part of the application and policy-issuance process.

4.1 Purpose of Collection

Government-issued identity information may be collected and processed for purposes including:

• Establishing and recording the identity of the relevant member or policyholder;
• Matching the member’s details with the applicable policy-issuance records;
• Facilitating policy issuance;
• Facilitating policy administration and servicing;
• Facilitating applicable claims or benefit-related processes;
• Meeting applicable insurer or intermediary documentation requirements;
• Complying with applicable legal and regulatory requirements;
• Preventing incorrect or duplicate policy issuance; and
• Preventing misuse, fraud or unauthorised use, where applicable.

4.2 Role of Jaush Care

Jaush Care may collect the information submitted by you and transmit the relevant information to the respective authorised insurer, authorised insurance intermediary or other authorised entity involved in the applicable policy issuance or servicing process.

Jaush Care does not itself act as the insurer for the applicable insurance benefits and does not independently undertake the insurer’s underwriting, authentication or verification functions.

Any applicable validation, verification, authentication, underwriting, acceptance, policy issuance or claims decision is undertaken by the respective insurer, authorised intermediary or other responsible entity in accordance with its applicable processes, terms and legal requirements.

4.3 Consent and Mandatory Information

Where identity information is required for policy issuance, we will provide an appropriate notice at the point of collection and, where required by applicable law, obtain the relevant consent or authorisation.

By submitting such information and providing the applicable consent, you acknowledge that the information may be collected by Jaush and shared with the relevant authorised insurer, intermediary or service provider for the stated purposes.

If information required for a particular policy or benefit is not provided, Jaush may be unable to complete or facilitate the applicable policy issuance or service.

4.4 Accuracy of Identity Information

You are responsible for providing accurate, complete and current identity information and for ensuring that you are authorised to provide any identity information submitted in respect of yourself or another person.

Where the applicable insurer or intermediary identifies a mismatch, discrepancy or deficiency in the information submitted, the relevant insurer or intermediary may require additional information or documentation or may take such action as permitted under its applicable policy and processes.

4.5 Aadhaar Information

Where Aadhaar information is collected, it will be used only for the purposes communicated to you at the time of collection and for the applicable policy issuance, servicing or other authorised purpose.

Jaush Care does not represent that it independently performs Aadhaar authentication or verification. Where Aadhaar authentication, offline verification or another Aadhaar-related process is required, the applicable process will be carried out by the relevant authorised entity in accordance with applicable law and its authorised procedures.

5. Healthcare-Related Information

Some Jaush Care services may involve information relating to your healthcare needs.

Depending on the service requested, this may include:

• Healthcare-related enquiries;
• Information voluntarily provided during a consultation or support interaction;
• Information required to facilitate a healthcare service;
• Diagnostic information where required by the applicable service provider;
• Information relating to use of healthcare benefits;
• Information required for administration of applicable protection benefits; and
• Information necessary to facilitate a health-related financing request.

You should not submit detailed medical records or sensitive health information through a general contact form unless the form or service specifically requests such information.

Where a healthcare provider, doctor, laboratory, pharmacy or other service provider independently collects health information to provide its service, that provider may be independently responsible for processing that information under applicable law.

6. Information We Receive From Jaush BFSI or Other Sources

Because Jaush Care is intended for eligible existing Jaush BFSI customers, we may receive limited information necessary to verify your eligibility or facilitate membership administration from Jaush’s affiliated or related business systems, where legally permitted and reasonably necessary.

Such information may include:

• Name;
• Registered mobile number;
• Customer reference;
• Customer relationship status;
• Eligibility information; and
• Other limited information necessary to identify and administer your Jaush Care membership.

We will not use information obtained for one purpose for an unrelated purpose merely because it is available to us.

Where consent or another lawful basis is required, the relevant requirements will be followed.

7. Information Collected Automatically

When you access our website, certain technical information may be automatically collected.

• IP address;
• Browser type;
• Device type;
• Operating system;
• Device identifiers;
• Approximate location derived from technical information;
• Pages visited;
• Date and time of access;
• Referring website;
• Website interaction data;
• Session information;
• Error and diagnostic information; and
• Security and fraud-prevention information.

8. Cookies and Similar Technologies

Jaush Care may use cookies, pixels, tags, local storage and similar technologies.

These technologies may be used for:

• Website functionality;
• Security;
• Session management;
• Remembering preferences;
• Analytics;
• Performance monitoring;
• Fraud prevention;
• Understanding website usage; and
• Marketing measurement or advertising, where permitted.

Where applicable law requires consent for non-essential cookies or similar technologies, we will seek the appropriate consent.

You may also control cookies through your browser settings.

9. Purposes for Which We Use Personal Data

9.1 Membership Administration

• Verify eligibility;
• Process membership applications;
• Activate memberships;
• Manage memberships;
• Process renewals;
• Administer benefits;
• Process cancellations;
• Provide customer support; and
• Communicate important membership information.

9.2 Healthcare Services

• Facilitate access to doctors;
• Facilitate diagnostic services;
• Facilitate eligible medicine-related benefits;
• Provide Health Guardian assistance;
• Coordinate healthcare services; and
• Respond to healthcare enquiries.

9.3 Protection Benefits and Policy Administration

Where applicable, information may be processed to:

• Establish eligibility;
• Facilitate enrolment;
• Collect information required for policy issuance;
• Facilitate policy issuance;
• Administer the applicable benefit;
• Assist with benefit or claim requests;
• Coordinate with the relevant insurer or authorised intermediary;
• Match policyholder or member information;
• Facilitate identity-related requirements;
• Verify information through the relevant authorised entity; and
• Comply with applicable contractual and legal requirements.

9.4 Health-Related Financing

Where Jaush Care provides access to or facilitates a health-related financing facility, we may process information necessary to initiate and administer your request.

Relevant information may be shared with the applicable lender or financial service provider.

The lender may independently perform:

• Identity verification;
• Eligibility assessment;
• Credit assessment;
• Fraud checks;
• Documentation checks; and
• Other legally permitted assessments.

9.5 Payments and Refunds

• Accept membership payments;
• Verify payment status;
• Issue invoices;
• Process refunds;
• Resolve failed transactions; and
• Prevent fraudulent transactions.

9.6 Customer Support

• Respond to enquiries;
• Resolve complaints;
• Provide membership assistance;
• Track service requests;
• Communicate with you; and
• Improve customer service.

9.7 Security and Fraud Prevention

• Protect our systems;
• Detect suspicious activity;
• Prevent fraud;
• Prevent unauthorised access;
• Investigate security incidents;
• Maintain logs; and
• Protect customers and service providers.

9.8 Legal and Regulatory Compliance

• Comply with applicable laws;
• Respond to lawful government or regulatory requests;
• Comply with court orders;
• Maintain legally required records;
• Resolve disputes;
• Establish or defend legal claims;
• Prevent unlawful activities; and
• Meet contractual obligations.

9.9 Business Improvement

Subject to applicable law, we may use appropriately protected or aggregated information to:

• Understand service usage;
• Improve our products;
• Improve customer experience;
• Analyse website performance;
• Develop new services;
• Detect operational issues; and
• Measure communication effectiveness.

10. Lawful Basis and Consent

Depending on the circumstances and applicable law, we may process personal data:

• With your consent;
• To provide a service requested by you;
• To perform or administer your membership;
• To facilitate policy issuance or servicing;
• To comply with legal obligations;
• For permitted legitimate or lawful purposes;
• To protect the security and integrity of our systems; or
• For another purpose permitted under applicable law.

Where consent is required, Jaush will seek consent through an appropriate mechanism.

11. Withdrawal of Consent

Where processing is based on consent, you may withdraw your consent by:

• Using the available consent-management mechanism;
• Using the unsubscribe mechanism in a communication;
• Contacting [email protected]; or
• Contacting Jaush using the contact details provided in this Policy.

Withdrawal of consent will not affect processing lawfully undertaken before withdrawal.

Where certain information is necessary to issue or administer a requested policy or benefit, withdrawal or non-provision of such information may prevent Jaush or the relevant insurer/intermediary from completing the applicable service.

12. Marketing Communications

Where permitted by applicable law and where you have provided the required consent, Jaush may send communications through:

• Email;
• SMS;
• Telephone;
• WhatsApp;
• Push notifications; or
• Other permitted communication channels.

These communications may include:

• Jaush Care updates;
• Wellness information;
• New services;
• Membership offers;
• Promotions;
• Partner offers; and
• Renewal reminders.

You may opt out of promotional communications at any time. You may, however, continue to receive essential service communications such as payment confirmations, membership activation information, expiry information and security notifications.

13. Sharing of Personal Data

Jaush does not sell personal data as a standalone commercial product.

We may share personal data where reasonably necessary with:

• Healthcare providers: doctors, teleconsultation providers, laboratories, pharmacies and healthcare networks.
• Insurers and authorised insurance intermediaries: insurers, authorised insurance intermediaries, administrators, claims administrators and applicable protection-benefit providers involved in policy issuance, administration, servicing or claims-related processes.
• Financial service providers: lenders, banks, NBFCs and other authorised financing partners.
• Technology providers: hosting, cloud, CRM, communication, analytics and security providers.
• Payment providers: payment gateways and transaction processors.
• Professional advisers: lawyers, accountants, auditors, consultants and cybersecurity professionals.
• Government and regulatory authorities: where required or permitted by law.

14. Third-Party Service Providers

Jaush Care may provide access to third-party services. When you use such services, the relevant provider may independently collect and process information.

Such providers may include doctors, laboratories, pharmacies, insurers, authorised insurance intermediaries, lenders, payment gateways and other service providers.

Such providers may have separate terms and privacy policies. Jaush does not control the independent privacy practices of third-party service providers.

15. Payment Security

Membership payments may be processed through third-party payment gateways.

Jaush may receive:

• Transaction ID;
• Payment status;
• Transaction amount;
• Date and time;
• Limited payment information; and
• Refund information.

16. Health Information

Because some Jaush Care services relate to healthcare, we apply additional caution to health-related information.

We seek to:

• Collect only information reasonably necessary;
• Limit access to authorised personnel and providers;
• Avoid unnecessary retention;
• Use secure communication mechanisms where appropriate;
• Share information only where reasonably necessary; and
• Apply appropriate contractual and technical safeguards.

Jaush Care is not intended to replace a doctor, hospital or other qualified healthcare professional.

17. Information About Family Members

Certain Jaush Care plans may allow family members to receive benefits. If you provide personal data relating to another person, including a spouse, parent or child, you confirm that you are authorised or otherwise legally permitted to provide that information.

Where applicable law requires consent or authorisation from that individual or their lawful guardian, such consent or authorisation should be obtained.

18. Children’s Personal Data

Jaush Care is primarily intended for adults and eligible existing Jaush customers.

We do not knowingly seek to collect children’s personal data through general marketing or contact forms for unrelated purposes.

Where a Jaush Care service requires processing of a child’s personal data, Jaush will apply the safeguards required by applicable law, including applicable requirements concerning verifiable parental or lawful guardian consent.

We will not knowingly undertake processing of children’s personal data for prohibited targeted behavioural advertising or other prohibited activities.

19. Data Retention

We retain personal data only for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining membership records, processing payments, handling complaints, facilitating policy issuance and servicing, preventing fraud, maintaining accounting records, meeting legal requirements, establishing or defending legal claims and maintaining security records.

Different categories of personal data may be retained for different periods.

Identity information, including PAN, Aadhaar-related information or other government-issued identity information, may be retained for as long as reasonably necessary to complete the relevant policy issuance or service, administer the relevant relationship, satisfy applicable legal, contractual, regulatory or record-keeping requirements, resolve disputes, prevent fraud or establish or defend legal claims.

Where personal data is no longer required, we may delete, anonymise or securely dispose of it, subject to applicable legal, regulatory, contractual and legitimate retention requirements.

20. Data Security

Jaush takes reasonable technical and organisational measures designed to protect personal data against unauthorised access, disclosure, accidental loss, destruction, alteration, misuse and other unauthorised processing.

Safeguards may include:

• Access controls;
• Role-based permissions;
• Authentication mechanisms;
• Encryption or equivalent safeguards where appropriate;
• Secure transmission;
• Logging and monitoring;
• Backups;
• Security testing;
• Vendor controls;
• Confidentiality obligations; and
• Incident-response procedures.

Access to government-issued identity information may be restricted to personnel and service providers who require such access for an authorised business, policy-issuance, servicing, legal or security purpose.

No electronic system can be guaranteed to be completely secure. Accordingly, while we take reasonable measures to protect personal data, we cannot guarantee absolute security.

21. Personal Data Breaches

Jaush maintains processes intended to detect, investigate, contain and respond to personal data breaches.

Where a breach occurs, Jaush will take appropriate steps in accordance with applicable law, including:

• Assessing the incident;
• Containing the incident;
• Investigating the cause;
• Taking corrective measures;
• Preserving relevant records;
• Cooperating with applicable authorities where required; and
• Notifying affected individuals and/or authorities where legally required.

22. Data Processors and Vendors

Jaush may appoint third parties to process personal data on its behalf.

Such providers may include hosting providers, cloud service providers, communication providers, customer support providers, payment processors, analytics providers, security providers, technology vendors and other operational service providers.

Where required, Jaush will seek to maintain appropriate contractual arrangements requiring relevant providers to implement reasonable confidentiality, security and data-processing safeguards.

23. Cross-Border Processing

Certain technology, cloud, communications or other service providers may process or store personal data outside India.

Where personal data is transferred outside India, Jaush will comply with applicable Indian legal requirements concerning such transfers, including any restrictions or safeguards that may apply.

24. Your Privacy Rights

Subject to applicable law and the relevant processing circumstances, you may have rights including:

Right to Information

To obtain information regarding the processing of your personal data.

Right to Access

To request access to personal data processed by us, subject to applicable law.

Right to Correction

To request correction of inaccurate or incomplete personal data.

Right to Erasure

To request deletion or erasure of personal data where applicable.

Right to Withdraw Consent

To withdraw consent where processing is based on consent.

Right to Grievance Redressal

To raise a concern or complaint regarding our processing of personal data.

Right to Nominate

Where provided by applicable law, to nominate another individual to exercise rights in specified circumstances.

25. How to Exercise Your Rights

To help us process your request, please provide:

• Your name;
• Registered mobile number;
• Email address;
• Membership/customer reference, where applicable;
• Nature of your request; and
• Any information reasonably required to verify your identity.

We may request additional information where reasonably necessary to prevent unauthorised disclosure of personal data.

We will process valid requests in accordance with applicable law and applicable statutory timelines.

26. Grievance Redressal

If you have any concern relating to privacy, personal data, membership, payment, healthcare services, benefits, customer service or other Jaush Care services, you may contact us.

You may also contact our customer support team at [email protected].

We will acknowledge and handle complaints in accordance with applicable law and our internal grievance procedure.

27. Accuracy of Personal Data

We expect the information provided to us to be accurate and reasonably up to date.

You should inform us if your contact, identity or membership information changes.

28. Data Minimisation

Jaush seeks to collect only information reasonably necessary for a defined and lawful purpose.

You should not submit:

• Passwords;
• UPI PINs;
• Card PINs;
• Banking passwords;
• OTPs;
• Security answers; or
• Other authentication credentials

through ordinary website forms, email, WhatsApp or customer-support channels.

29. Automated Decision-Making

Jaush does not intend to make decisions producing legal or similarly significant effects solely through automated processing unless permitted by applicable law and appropriately disclosed.

Third-party lenders, insurers or other service providers may independently conduct credit assessments, fraud assessments, eligibility assessments, underwriting, risk assessments or other automated or assisted decision-making.

30. Third-Party Links

The Jaush Care website may contain links to third-party websites or applications.

Once you leave the Jaush Care website, the third party’s privacy policy and terms may apply.

Jaush does not control the privacy practices or security of third-party websites.

31. Business Transfers

If Jaush undergoes a merger, acquisition, corporate restructuring, sale of assets, investment, financing, transfer of business or similar corporate transaction, personal data may be transferred as part of the relevant transaction, subject to applicable law.

32. Legal Disclosure

Jaush may disclose personal data where reasonably necessary to:

• Comply with applicable law;
• Comply with a court order;
• Respond to lawful government or regulatory requests;
• Protect the rights, safety or property of Jaush or others;
• Investigate fraud;
• Investigate security incidents;
• Enforce agreements; or
• Establish, exercise or defend legal claims.

33. No Sale of Personal Data

Jaush does not sell your personal data as a standalone commercial asset.

We may, however, share information with service providers and partners where reasonably necessary to provide services, process transactions, administer benefits, facilitate healthcare services, facilitate financing requests, administer protection benefits, facilitate policy issuance and servicing, provide customer support, conduct security activities or otherwise perform lawful business functions.

Where applicable law requires consent or another lawful basis for such sharing, the relevant requirements will be followed.

34. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, data-processing practices, applicable laws, regulatory requirements or privacy practices.

Where required by applicable law, we will provide appropriate notice of material changes.

The latest version will be published on this page. The effective date and last updated date will appear at the beginning of this Policy.

35. Applicable Law

This Privacy Policy is governed by the laws of India.

Nothing in this Privacy Policy is intended to exclude, restrict or waive any statutory right or remedy available to you under applicable Indian law.

36. Contact Us