Data Protection and Privacy Statement

Privacy Statement

Jyoti Capital Limited (the ‘Company’) with its registered office situate at Kathmandu Metropolitan City ward no. 28, Kamalpokhhari is registered under the laws of Nepal.

This privacy statement (the ‘Privacy Statement’) details the terms and conditions on which the Company use and share the information that obtained about you (the ‘Customer’) in the course of doing business.

Thank you for choosing the Company. We value you, respect your privacy and work hard to protect your personal information.

The Privacy Statement:

1. explains how the Company collect, use and share the information that obtained about the Customer in the course of doing business;
2. describes the choices available to the Customer regarding the use of, access to and updating and correcting the Customer’s personal information.

OUR PRIVACY ASSURANCE

• We confirm that the Company:
  • do not sell the Customer’s personal information to anyone.
  • do not share the Customer’s information with other Companies and would use it to contact him/her about their products and services; save with the Customer’s express written consent to such sharing in accordance with a joint marketing agreement.
  • require persons or organisations that represent or assist us in servicing your policy and claims to keep the Customer’s information confidential.
  • require our employees to protect the Customer’s personal information and keep it confidential.
• In addition to the privacy protection practices described above, the Company use a variety of technical and administrative security measures that help to safeguard the Customer’s personal information. For the Customer’s date of birth, payment information, and other sensitive personal information, this includes restricting the access of our employees, agents and other persons to such information only for the purposes of providing the Customer with products and services; handling the Customer’s claims and/or complying with the law.
• While the Company collects payment information from the Customer for the purpose of individual transactions, such information shall only be used for the relevant transaction in respect of which it was provided.
• The Company’s privacy protection practices continue to apply to the Customer’s personal information even if he/she ceases to be a customer.

CUSTOMER’S OBLIGATIONS

• The Customer agrees to at all times provide the Company with complete, accurate and truthful information.

• If any personal information changes or becomes inaccurate or out of date, the Customer shall immediately advise the Company of any such occurrence, so its records can be updated.
• The Company reserves the right to refuse to enter into or continue any relationships or conduct transactions with the Customer for legal reasons, or if the Customer insists on anonymity or provides false, inconsistent or conflicting information where the inconsistency or conflict cannot be resolved after reasonable inquiry by the Company.
• If the Customer needs to update his/her personal information, delete inaccuracies, or modify his/her profile information, the Customer may do so by:
  • attending office of the Company during business hours or
  • by logging into your account at any time on the Company’s website.

PERSONAL INFORMATION STORED; SOURCE(S) AND USES

• Personal Information: The Company collects personal information from the Customer and from outside sources including but not limited to:
  • the Customer’s name;
  • phone number(s);
  • home and e-mail addresses;
  • driver’s license and other identification number(s);
  • date of birth, marital status;
  • family member information;
  • occupation / type of business;
  • payment information;
  • source of funds (including the Customer’s annual income, assets and liabilities and credit history);
  • loan, deposits, investments, policy coverage, premiums, and payment history;

Third-Party Information
The Company may also collect and maintain appropriate records of third-party information from the Customer to provide the relevant products, perform the necessary services and/or carry out requests. If the Customer provides us personal information about a third-party, or if a third-party provides the Company with the Customer’s information, the Company will only use that information for the specific purposes listed at Clause 3.4.

Sources

• In addition, like many website operators, the Company gathers information through your Internet activity, which may include, for example, the Customer’s operating system; the links the Customer used to visit the website of any of the Company; web pages the Customer viewed while visiting the websites or applications of the Company; the time and date of the visit, the time spent on those webpages and other statistics; the Customer’s Internet Protocol (IP) addresses, browser type, browser version and cookies (files with small amount of data, which may include an anonymous, unique identifier, sent to the user’s browser from the website and stored on the user’s computer hard drive) as well as other information that the Customer’s browser sends whenever you visit our website. The Company use cookies, analytics and other technologies to:
  Evaluate marketing campaigns;
  b. Analyse how customers use our websites and applications;
  c. Develop new services;
  d. Know and track how many visitors have seen or clicked on our advertisements.
• Also, the Companys’ business partners assist us with monitoring information including, but not limited to, IP addresses, domain names and browser data, which can help the Company to better understand how visitors use our websites.

Purpose
In the course of normal business activities, the Company collects from the Customer and from outside sources, uses, verifies, stores and maintains appropriate records of, shares and exchanges the Customer’s personal information with persons within and outside of the Company for purposes, which include but are not limited to:

• Confirming the Customer’s identity;
• Understanding the Customer’s requirements and needs, ensuring the Customer is eligible to access the Company’s services and to ensure its products and services meet the Customer’s requirements;
• Providing the product or perform the services requested by the Customer including but not limited to-

a. fulfilling a transaction that the Customer requested;
b. administering the Customer’s account; investigating and adjudicating the Customer’s claim or providing other services requested;
c. responding to the Customer’s service-related requests;

• Marketing and cross-selling the products and services of the Company to the Customer, for example, by sending the Customer by e-mail or regular mail promotional communications about products, features, and options that we believe may be of interest to the Customer, newsletters and other service related correspondence;
• Preventing or detecting fraud or criminal activity or settling any actual or potential loss in connection with fraud or criminal activity;
• Complying with requests from regulatory and law enforcement authorities including where the Company is required –

1. to disclose personal data in response to lawful requests by public authorities, to meet law enforcement requirements;
2. by law, such as to comply with a subpoena or other legal process, when the Company believes in good faith that disclosure is necessary to protect its rights, protect the Customer’s safety or the safety of others, investigate fraud, or respond to a government request;

Persons with whom the Company can share Personal Information

• The persons or organisations with whom the Company may share the Customer’s personal information may include, but are not limited to:

a. The Customer’s agent, broker or any other Companies;
b. Companies that perform services for the Company, such as marketing, and communication services on its behalf;
c. Business partners that assist the Company in tracking how visitors use the Companys’ websites;
d. Other financial institutions and service-providers involved in a transaction with the Customer;
e. Regulatory and law enforcement authorities; law enforcement representatives and private investigators and
f. Person who lawfully are entitled to the information pursuant to a subpoena or other legal process.

• Without prejudice to the generality of Clause 3.5.1(a) above, the Customer consents to and authorises the Company to disclose and give the Customer’s personal and other information to Companies for any marketing purposes so that these persons can directly inform him/her about their products and services (to the extent permitted by the law). The Customer acknowledges that the Company’s affiliates, subsidiaries and/or associates include companies engaged in services. The Company will only share the Customer’s personal information with such third parties for the purposes detailed in and will require the service providers to protect the information so received in a manner that is consistent with this Privacy Statement. The Customer’s consent provided here shall also apply to any companies that become part of the company in the future.
• The Customer hereby expressly authorises the Company to give the Customer’s personal and other information to any of the persons or organisations stipulated in Clause 3.5 whom the Company contacts in this regard to provide such information to it.

• The sharing of the Customer’s personal information by the Company, as contemplated by this Clause, will be done at all times as required and permitted by law.

THE INTERNET AND INFORMATION SECURITY

The Company’s Website

• The Company’s website www.jyoticapital.com.np provides information about it, its products, and its representatives. You may also perform certain transactions on the website.

• This Privacy Statement applies to users of the Company’s website, regardless of whether the user is a customer of the Company. By using the Company’s website, you agree to the terms of this Privacy Statement and to the collection and use of information in accordance with this Privacy Statement.

• The website gathers certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP) data, referring/exit pages, operating system data, date/time stamp, and/or clickstream data.

Use of Cookies and Other Similar Tracking Technologies

• The Company and/or its third-party marketing partners (such as Google Analytics and Adobe Analytics) use cookies, analytics, remarketing and other technology to help it provide users with a better service and a more customised website experience. Additionally, the Company’s business partners use tracking services, analytics and other technologies to monitor visits to the Company’s website and collect and analyse data.
• Cookies and other similar tracking services enable the website to label the customer as a particular user but it does not identify the Customer by name or address unless he/she has provided us with such information (over the Internet or otherwise) or set up the preferences in the website browser to do so automatically.
• Cookies allow us to provide the Customer with a more customised service and are used to track and measure website usage. This information may be used to manage and customise its website's content, layout, and services in order to improve the website, enhance customer service and provide tailored messages.
• The Customer may opt out of accepting cookies by changing the settings on his/her website browser. However, by rejecting cookies the Customer may be prevented from using certain functions and may have to repeatedly enter information to take advantage of services or promotions.
• In addition, the Company partners with third-parties to display advertising on its website, which may use cookies or similar technologies in order to provide the Customer advertising based upon his/her browsing activities and interests.

UNSUBSCRIBING

Where the Customer wants the Company to cease sending promotional or other e-mails or communications, the customer may opt-out of receiving such communications by following the unsubscribe link located at the bottom of each communication or by contacting us at the following address: This email address is being protected from spambots. You need JavaScript enabled to view it. .

SECURITY PROCEDURES

Use of E-mail

• The Company’s security software does not encrypt e-mail messages. The Customer acknowledges that e-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet and e-mail messages are not secure.
• The Customer shall exercise discretion with respect to the submission of any personal or financial information via e-mail. If the Customer is concerned about the security of his/her communication, the Company encourages the Customer to send his/her correspondence through the postal service or use the telephone to speak directly to a representative of the Company’s. The Company shall not be responsible for the security or confidentiality of any communications sent by the Customer to it over the Internet using e-mail messages.

Steps the Customer can take to Help Maintain the Security of Information
The Customer can take certain steps to maintain the security of his/her information including but not limited to the following:

• Utilising the latest, updated version of web browser;
• Keeping his/her user identification (User ID) and personal identification number (PIN) or password confidential;
• Utilising a unique PIN or password and, if possible, change it frequently;
• Ensuring that others are not watching the entry of the User ID, PIN or password on the keyboard;
• Not providing any confidential information (including User IDs, passwords, Account/, PINs) to persons via phone, e-mail or mobile messages;
• Not leaving the computer unattended while logged onto the Company’s website; and
• After finished accessing information, exit or close the browser window.

CHANGES TO THE ONLINE PRIVACY POLICY

• The Company shall have the right to periodically update, modify, adapt, add, remove or revise any part or portion of this Privacy Statement, its practices and procedures at our discretion and at any time we deem fit and necessary without prior notice. Users should check the policy periodically and please note the revised date at the top of this webpage to see when this Privacy Policy was last revised.

• We hope you have found this Privacy Statement informative. If you have questions or would like more information, please do not hesitate to contact the Customer Care Team at This email address is being protected from spambots. You need JavaScript enabled to view it.. If the Customer has a concern with any of the terms or policies described in this Privacy Statement, we kindly ask that he/she discontinue use of the website until such time as that concern has been resolved.

MISCELLANEOUS

Severance
If at any time any one or more of the provisions of this Privacy Statement is or becomes invalid, illegal or unenforceable in any respect under any law or regulation, or is held by a court of competent jurisdiction to be invalid, illegal or unenforceable, the validity, legality or unenforceability of the remaining provisions shall remain in full force and effect and shall not in any way be affected or impaired thereby.

Governing Law
This Privacy Statement shall be governed by the laws of Nepal. Each of the Parties hereto irrevocably submits to the exclusive jurisdiction of the courts of Nepal in respect of any claim, dispute or difference arising out of or in connection with this Privacy Statement or the interpretation thereof.

We have updated our Privacy Statement which can be found here. By clicking on the ‘I Agree’ button, you hereby acknowledge and confirm that you have read the terms and conditions and hereby indicate your agreement and consent to the Company’s practices and procedures detailed in the Privacy Statement.

I Agree Reject

Customer awareness on KYC/ AML/ CFT measures

ग्राहक पहिचान, सम्पत्ति शुद्धीकरण निवारण तथा आतङ्कवादी क्रियाकलापमा वित्तीय लगानी सम्बन्धि ग्राहक सचेतना

• Know Your Customer (KYC) is the process of identifying and verifying customer’s identity. As customers initiate various transactions through the Merchant Banking Company, the Company requires sufficient and correct information/ document evidencing such information from their customer.

ग्राहकको वास्तविक पहिचान तथा सोको सम्पुष्टि गर्ने प्रक्रिया नै ग्राहक पहिचान हो । ग्राहकले मर्चेन्ट बैिंकङ्ग कम्पनि मा विभिन्न कारोबारहरु गर्दै गर्दा ग्राहकले गर्ने त्यस्ता कारोबार तथा निजसंग सम्बन्धित पर्याप्त/उपयुक्त विवरण/जानकारी तथा उपलव्ध गराएका उपरोक्त विवरणहरुलाई प्रमाणित/पुष्टि गर्ने कागजातहरु कम्पनिले ग्राहकसंग माग गर्ने गर्दछ ।

• Whenever information such as – phone number, temporary address, occupation, business, objective of establishing relation, Income level and volume of transaction etc. is changed, such information should be provided to the Company for updating your details.

आफ्नो फोन नम्बर, सम्पर्क ठेगाना, पेशा, व्यवसाय, कम्पनी संगको सम्वन्धको उद्देष्य, आय तथा कारोवारको सिमा आदि जस्ता विवरणहरु परिवर्तन भएमा सो परिवर्तित विवरणहरु अद्यावधिक गर्न कम्पनीलाई अनुरोध गर्नु पर्दछ ।

• Company will not initiate any transaction unless the customer is properly identified. Hence, customer should not hesitate to provide their information and documents for Merchant Banking purpose, it shall be kept confidential by the Company.

ग्राहकको वास्तविक पहिचान नभएसम्म कम्पनिले कुनै पनि कारोबार अगाडी बढाउँदैन । त्यसैले मर्चेन्ट बैकिङ्ग प्रयोजनको लागि माग हुने यस्ता विवरण तथा कागजात बु्झाउन ग्राहकले हिच्किचाउनु हुँदैन र ग्राहकका त्यस्ता कागजात तथा विवरण बैंकले गोप्य राख्ने गर्दछ ।

• Information about our customers and their transactions is obtained by Company for preventing Money Laundering and Terrorist Financing.

सम्पत्ति शुद्धीकरण निवारण तथा आतङ्कवादी क्रियाकलापमा वित्तीय लगानी निषेध गर्नका लागि कम्पनीले आफ्ना ग्राहक तथा ग्राहकका कारोबारहरुको विवरण/जानकारी लिने गर्दछ ।

• Any earnings/ returns from illegal activities if entered and channelized through Bank accounts, may be termed as laundering of the black money.

कुनै गैरकानूनी क्रियाकलापबाट कमाएको/आर्जन गरेको रकम/कालो धन मर्चेन्ट बैंकिङ्ग कारोबार मार्फत् बैकिङ्ग प्रणालीमा प्रवेश भएपछि वा बैकिङ्ग प्रणालीमा प्रवेश हुने अवस्था शृजना भएपछि सम्पत्ति शुद्धीकरण भएको भनिन्छ ।

• If someone else requests, you to open D-mat account in your name without any specific reason; and ask you to provide the detail of such account; accounts maintained in your name may be used for their undue benefit.

यदि कुनै व्यक्तिले कुनै कारण बिना तपार्इंको नाममा हितग्राहि(DMAT) खाता खोल्न अनुरोध गरेमा, र सो खातासंग सम्वन्धित जानकारी दिन भनिएमा सो व्यक्तिले तपाईंको नामको खाता अनुचित लाभ लिनका लागि प्रयोग गरेको हुन सक्दछ ।

GREEN INITIATIVE

Dear customer and stakeholder,

Subject : Green Initiative: Go Paperless

This is a golden opportunity for every customer and stakeholders of Jyoti Capital Limited (“the Company”) to contribute to the Corporate Social Responsibility initiative of the Company. Thereafter, the Company proposes to send corporate correspondence & documents henceforth in electronic form.

We therefore invite you to contribute to the cause by filling up the registration form for registering your email id. Kindly note that if you still wish to receive physical copies of all the communications, the Company undertakes to provide the same at no extra cost to you.

In case, you are holding shares in demat form and you have not yet registered your email id with the Depository Participant, you are requested to register your email id with the Depository Participant at the earliest, so as to enable the Company to use the same for serving documents to you electronically.

To download the Registration Form, Click here

JCL Internship Program

Start your career with Jyoti Capital Limited (JCL)

The JCL Internship Programme offers students and recent graduates the opportunity to gain direct practical experience with JCL's work. Students and recent graduates will have professional learning experience that offers meaningful, practical work related to a student’s field of interest or career goal.

JCL identifies the need for an intern to support their team, and welcomes motivated, open-minded, and self-directed individuals to through our website.

We value diversity in our workplace, and encourage all qualified individuals, particularly women, with diverse academic backgrounds to apply.

The internship program offers the opportunity to:

• work in a growing organization;
• work collaboratively with experienced professionals;
• gain a deeper understanding of merchant/investment Banking
• the student to develop and achieve their learning goals.
• contribute to JCL's business through research outputs.

Eligibility: Internship candidates must:

• be Nepalese citizen
• possess Minimum second division marks in SLC and 10+2
• be engaged in academic study; persuing bachelor or master degree
• possess an excellent command of English/Nepali;

JCL does not accept internship applications from close relatives of JCL personnel.

Documents required:

• Application for Internship
• College Recommendation Letter for Internship
• Cirriculum Vitae
• All academic certificates and character certificates
• 2 passport size photo

Application Process

The internship application process is online through the  Career and Employment System (CES) of the company. All documents are uploaded to CES to complete application.  

Apply Now

Selection Process

JCL evaluates applications based on: eligibility requirements, relevance of academic study; and the level of interest and motivation to contribute to the company.

Only shortlisted candidates will be contacted.