Become A Member

At the formation stage onwards, the composition of a group shall be 10-14 members.
Group membership is voluntary. No person can be compelled to become or remain a member of the group against his/her will. The member must be residing within the coverage of the unit office. Each member on accessing the loan continues to save weekly under the group lending system.

Data Privacy Policy

JSL Privacy Statement

Privacy Statement
Our website address is:
This Statement provides information on how Jirani Smart Limited (hereinafter “the Company” approaches processing your personal data. Our focus and commitment to respecting your privacy and safeguarding your personal data remains stronger than ever.

We operate the website, which provides more information of us and our various products and services as well as the Online Membership application Form (the “Service”).

As an organization, we take our responsibility regarding the management of our client’s data very seriously. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Services. It also sets out how we manage our responsibility in the use of your data and the choices you have associated with that data.

Processing Data
Processing means anything that can be done with personal data. This includes the collection, storage, use, transfer and removal of data. We process personal data if we have, or have had a business relationship with you, or if we have had contact with you. The people whose personal data we process includes: existing clients both domestic and foreigners, potential new customers, people who show an interest in the Company products and services.

We use your data to provide and improve our Services. By using these Services, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Data Privacy Policy, terms used in this Data Privacy Policy have the same meanings as in our Terms and Conditions.

How do we collect your Personal Data? While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). We receive your personal data when you provide it to the company, examples include when opening an account, getting into a contract with us (Loan), data you send to us in order that we can contact you and data arising from any services that we provide.

We collect several different types of information for various purposes in order to provide and improve our Service to you including Names, I.D./Passport Number, Date of Birth, Gender, Marital Status, Biometric Data, Property Details, Postal Address, Telephone Number. Some of the purposes for which we collect and process your data includes: To provide and maintain our Service, To notify you about changes to our Service, To allow you to participate in interactive features of our Service when you choose to do so, To provide member support, To gather analysis or valuable information so that we can improve our Service, To monitor the usage of our Service, To detect, prevent and address technical issues, To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us.

Jiranismart Limited may disclose your Personal Data in the good faith belief that such action is necessary to: To comply with a legal obligation, To protect and defend the rights or property of Jiranismart Limited, To prevent or investigate possible wrongdoing in connection with the Services provided, To protect the personal safety of users of the Service or the public, To protect against legal liability.

How long does the Company Retain your Data?
We do not keep your data for any longer than necessary to fulfil the purposes for which we collected the data for. This policy specifies how long we keep data. In general, we will keep your data for seven years following the termination of the relevant agreement or the ending of your business relationship with the Company, unless there is a legal obligation to preserve the data longer e.g. if the regulator asks us to keep specific data for longer in the context of risk models. In some cases, we use shorter retention periods. Once we no longer require the data for the purposes described before, we may keep the data for archiving purposes, in the event of legal proceedings, for historic or statistical purposes.

As a Data Subject you have the following Rights as set out in the Data Protection Act No. 24 of 2019: The right to be informed of the use of your information/data, The right to access, update or to delete the information or data in our custody, The right of rectification. You have the right to have your information/data rectified or deleted if that information is misleading, inaccurate or incomplete, The right to object. You have the right to object to our processing of your Personal Data, The right of restriction. You have the right to request that we restrict the processing of your personal information. The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable, and commonly used format.

Please note that we may ask you to verify your identity and provide signed instructions before responding to such requests. Jiranismart Limited may update our Data Privacy Policy from time to time. We will notify you of any changes by posting the new Data Privacy Policy on our website. We will let you know via email and / or a notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

If you have any questions about this Data Privacy Policy, please contact us via
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