2.1 Scope

This Payment Policy governs all financial transactions conducted through the School's official website or authorised online payment channels. It applies to:

• Tuition fees and annual charges;
• Admission and registration fees;
• Examination fees and assessment-related charges;
• Transport, hostel, and co-curricular activity fees (where applicable);
• Sale of prospectus, and other materials through the website;
• Workshop, seminar, field trip, and other event-related fees.

2.2 Accepted Payment Methods

The school accepts payments through the following modes via the official website:

• Net Banking (all major Indian banks);
• UPI (Unified Payments Interface) - including BHIM UPI, Google Pay, PhonePe, Paytm
• Debit Cards (Visa, Mastercard, RuPay);
• Credit Cards (Visa, Mastercard);
• NEFT / RTGS / IMPS transfers to the school's designated bank account.

2.3 Accuracy of Information

Upon successful completion of an online transaction, you will receive:

An automated confirmation on-screen;(Within normal processing time)

In the event that your payment is debited but no confirmation is received within 48 hours, please contact the School's Accounts Department at contactus@jns.ac.in or +91-22-69157575, +91-22-69157576 with your transaction reference number, bank statement screenshot, and student details.

2.4 Payment Gateway Security

All online payments are processed through a PCI-DSS compliant, RBI-authorised payment gateway. The school does not store any card details, CVV numbers, or net banking credentials on its servers. All transactions are encrypted using industry-standard SSL (Secure Socket Layer) technology. Users are advised to:

• Use personal devices and secure networks when making payments;
• Never share OTPs, passwords, or payment credentials with anyone, including persons claiming to represent the school.
• Log out of the portal after completing any transaction.

2.5 Transaction Charges

AThe school does not levy any additional convenience or processing fee on online transactions. However, certain banks or payment providers may charge a transaction or interchange fee as per their own policies, which are outside the school's control. Users are advised to verify such charges with their respective banks prior to making payments.

2.6 Receipts & Record Keeping

Official fee receipts, once generated, can be downloaded from the parent portal. Parents are advised to download and retain all receipts for their own records.

3.1 Non-Refundable Fees (Applicable, if any)

The following fees are strictly non-refundable under all circumstances:

• Admission / Registration fee;
• Prospectus fee;
• Examination and assessment fees (once the examination has been conducted);
• Fees for events, workshops, or field trips (once the event has taken place);
• Annual charges such as library fee, sports fee, and technology fee (once the academic year has commenced);
• Any fee waived or reduced as part of a scholarship or concession scheme.

3.2 Cancellation of Online Transactions

If a payment has been made online in error (e.g., duplicate payment, wrong amount, or payment made for the wrong student), the parent/guardian must notify the School's Accounts Department in writing within 5 working days of the transaction date. Requests received after this period will not be entertained.

Upon verification of the erroneous transaction, the excess or duplicate amount will be:

• Adjusted against future fee dues of the student, OR
• Refunded to the original payment source within 7-10 working days, at the school's discretion.

3.3 Failed or Disputed Transactions

In the event that your bank account or card is debited but the payment does not reflect in the school's records:

• First, check your payment status in the parent portal after 48 hours, as processing delays may occur;
• If the amount remains unreconciled after 3 working days, contact the Accounts Department with your transaction reference number and bank statement;
• The school will initiate a reconciliation with the payment gateway provider within 5 working days.
• Confirmed failed transactions where the debit occurred will be refunded to the original payment source within 10-15 working days.

The school shall not be liable for delays in refund caused by the payment gateway, banking intermediaries, or force majeure events.

4.1 Our Commitment to Privacy

At Jamnabai Narsee School, we are deeply committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us by our students, parents, staff, and website visitors. This Privacy Policy describes how we collect, use, store, disclose, and protect your personal data when you interact with our website or use our online services.

This policy is formulated in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDPA), to the extent applicable.

4.2 Information We Collect

4.2.1 Information Provided by You

We collect personal information that you voluntarily provide to us when you:

• Fill out the online admission or enquiry form;
• Register for a parent or student portal account;
• Make an online fee payment;
• Contact us via the website's enquiry or feedback form;
• Subscribe to our newsletters or event notifications;
• Upload documents for admission, scholarship, or other purposes.

This information may include: full name, date of birth, gender, photograph, residential address, contact numbers, email address, Aadhaar number (where required under law), parent/guardian details, academic records, caste/category certificate details (where required for reservations), bank account details (for refund processing), and health/medical information (where disclosed voluntarily for student welfare purposes).

4.2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

• Your IP address and approximate geographic location;
• Browser type, version, and operating system;
• Pages visited, time spent on pages, and referring URLs;
• Device identifiers and screen resolution;
• Cookies and similar tracking technologies (see Clause 4.7).

This information is used solely for website analytics, performance improvement, and security purposes.

4.3 Purpose of Data Collection

We use the personal information collected for the following purposes:

• Processing and evaluating admission applications;
• Maintaining student academic and administrative records;
• Processing fee payments, issuing receipts, and managing financial accounts;
• Communicating important school announcements, circulars, examination results, and event information;
• Compliance with statutory and regulatory obligations (e.g., submission of student data to UDISE+, the Board, or government authorities);
• Ensuring the safety and security of students and staff;
• Improving the quality of our educational services and website functionality;
• Conducting internal research, assessments, and academic planning.

4.4 Disclosure of Personal Information

We do not sell, rent, trade, or otherwise commercially exploit your personal information to any third party. We may share your information only in the following limited circumstances:

• With Government & Regulatory Bodies: We are legally obligated to share student data with the Ministry of Education, State Education Department, affiliated Board (CBSE/ICSE/Maharashtra State Board), UDISE+, RTE Portal, and other statutory authorities.
• With Service Providers: We may share information with trusted third-party service providers (e.g., payment gateway operators, SMS/email service providers, cloud hosting providers) who process data on our behalf under strict confidentiality obligations.
• For Safety & Security: We may disclose information to law enforcement authorities if required by law or to prevent imminent harm to a student or staff member.
• With Parental Consent: Photographs or student work may be published on the school website, social media, or print materials only with the prior written consent of the parent/guardian.

4.5 Data Retention

We retain personal data for the period necessary to fulfil the purposes described in this policy, or as required by applicable law. Specifically:

• Student academic records are retained for a minimum of 10 years from the date of the student's departure from the school, in compliance with applicable education regulations.
• Financial and fee records are retained for 7 years in compliance with the Companies Act / accounting standards;
• Website usage logs and cookies are retained for up to 12 months;
• CCTV footage (where applicable on campus) is retained for 30 days, unless required for investigation.

4.6 Your Rights

Under applicable data protection laws, you have the following rights with respect to your personal information:

• Right to Access: You may request a copy of the personal data we hold about you or your child.
• Right to Correction: You may request correction of inaccurate or incomplete personal data.
• Right to Erasure: You may request deletion of personal data that is no longer necessary, subject to our legal retention obligations.
• Right to Withdraw Consent: Where processing is based on your consent (e.g., use of photographs for publications), you may withdraw consent at any time without affecting the lawfulness of prior processing.
• Right to Grievance Redressal: You may raise a complaint about data handling with our designated Grievance Officer (see Clause 4.9).

Requests to exercise these rights should be submitted in writing to the Grievance Officer. We will respond within 30 days.

4.7 Cookies Policy

Our website uses cookies - small text files stored on your device - to enhance your browsing experience. We use the following categories of cookies:

• Strictly Necessary Cookies: Required for the website to function (e.g., maintaining login sessions). These cannot be disabled.
• Performance / Analytics Cookies: Used to understand how visitors use our website (e.g., Google Analytics). These help us improve the website. You may opt out via your browser settings.
• Functional Cookies: Used to remember your preferences (e.g., language settings). You may disable these in browser settings without affecting core functionality.

We do not use advertising or tracking cookies for commercial marketing purposes. By continuing to use this website, you consent to our use of necessary cookies. You may configure your browser to reject non-essential cookies; however, this may affect certain features of the website.

4.8 Security of Personal Data

We implement technical, administrative, and physical safeguards to protect personal information against unauthorised access, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted via the website;
• PCI-DSS compliant payment gateway for financial transactions;
• Role-based access controls for staff with access to student records;
• Regular security audits and vulnerability assessments;
• Secure, password-protected databases hosted on reputable cloud infrastructure;
• Staff training on data privacy and confidentiality obligations.

Notwithstanding the above, no method of electronic transmission or storage is 100% secure. In the unlikely event of a data breach that poses a risk to your rights, we will notify affected individuals and relevant authorities in accordance with applicable law.

4.9 Children's Privacy

As a school, we necessarily collect data about minors. All such data is collected with the informed consent of the parent or legal guardian. We do not permit minors under the age of 18 to independently register on the website or provide personal information without parental consent. Parents are encouraged to review this policy and to contact us if they have any concerns about their child's data.

4.10 Grievance Officer

We have designated a Grievance Officer for data-related concerns:

Grievance Officer: Santosh Pawar
Designation: Manager - IT
Email: santosh.pawar@jns.ac.in
Address: Jamnabai Narsee School, Narsee Monjee Bhavan, N.S. Road No. 7, JVPD Scheme, Vile Parle (West), Mumbai 400 049.
Response Time: Within 30 days of receipt of complaint.

4.11 Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in applicable law, regulatory requirements, or our data handling practices. Material changes will be notified via the school website and parent portal. The updated policy will indicate the revised effective date at the top. We encourage parents and users to review this policy periodically.

5. General

In addition to the foregoing, the rules and regulations, codes of conduct, and other school policies are set out in the School Diary and in such notifications, circulars, and communications as may be issued by the school from time to time, all of which shall be binding.