Privacy Policy

• 1. Applicability

  This policy applies to all individuals whose personal and financial information we collect in the course of providing our services, including but not limited to:

  • Mutual Fund Distribution
  • PMS (Portfolio Management Services) Distribution
  • AIF (Alternative Investment Funds) Facilitation
  • Use of our website, mobile platforms, or customer support channels
  
  

  By accessing our services or submitting any personal information, you consent to the terms outlined in this Privacy Policy.

• 2. Information We Collect

  We collect both personal and financial data that is necessary to deliver our services effectively and meet legal and regulatory obligations.

  a. Personal Information

  • Full name, gender, date of birth, marital status
  • Contact details (email ID, mobile number, address)
  • Government-issued IDs: PAN, Aadhaar, passport, etc.
  • Photograph and signatures
  
  

  b. Financial & Investment Information

  • Bank account details, IFSC code, account type
  • KYC/CKYC records
  • Investment amount, scheme details, mode (SIP/lump sum)
  • Portfolio holdings and transaction history
  
  

  c. Nominee & Beneficiary Details

  • Name, date of birth, Address, relationship, and contact info of nominee(s)
  • Government-issued IDs: PAN, Aadhaar, passport, etc
  • Guardian details (if nominee is a minor)
  
  

  d. Technical &Behavioral Information

  • IP address, device ID, browser type, location data
  • Cookies and session data for website interaction analysis
  • Communication history via email, SMS, calls, or WhatsApp
  
  

  We only collect information that is either voluntarily provided by you or as required by law or regulators.

• 3. Purpose of Collection and Usage

  Your data is collected and used for one or more of the following purposes:

  • To register and onboard you for mutual fund, PMS, and AIF investments
  • To comply with statutory requirements like KYC/AML under SEBI/AMFI/RBI regulations
  • To facilitate transactions including purchases, redemptions, switches, or SIPs
  • To provide portfolio statements, transaction alerts, performance reports, and updates
  • To assist you with investment planning, product selection, and advisory insights
  • To respond to service requests, grievances, or information queries
  • To prevent fraud, ensure data integrity, and monitor system security
  • To meet audit, reporting, taxation, and compliance obligations
  • For internal research, data analysis, or client experience improvement
  • To provide you with personalized recommendations based on your profile (where applicable and permitted)
  
  

• 4. Disclosure of Information

  We do not sell or rent your personal information. However, we may share it with:

  a. Regulatory Authorities

  • SEBI, AMFI, RBI, FIU, and other agencies as per legal requirements
  
  

  b. Business Partners

  • Asset Management Companies (AMCs)
  • Portfolio Management Service providers
  • Alternative Investment Fund managers
  
  

  c. Service Providers

  • RTAs (Registrar & Transfer Agents)
  • Banks, payment gateways, and custodians
  • Technology platforms, CRM software, and backend vendors
  
  

  d. Others

  • Legal entities during due diligence, mergers, or corporate restructuring, under NDA
  • Law enforcement agencies if required under applicable laws
  
  

  All disclosures are made with appropriate confidentiality clauses and due diligence.

• 5. Data Storage & Security Practices

  We adopt stringent data protection measures aligned with Reasonable Security Practices as per Indian IT rules:

  • Secure servers and encrypted communication protocols (SSL/TLS)
  • Two-factor authentication and password-protected systems
  • Role-based access control for internal users
  • Firewalls and intrusion prevention mechanisms
  • Regular data backups and disaster recovery protocols
  • Periodic audits and vulnerability assessments
  
  

  We store your data on secure infrastructure within India, in compliance with RBI and SEBI circulars on data localization (where applicable).

• 6. Data Retention

  We retain your personal and financial data:

  • As long as your account or relationship with us is active
  • For a minimum of 8–10 years to meet legal, regulatory, and audit requirements
  • Until all pending services, grievances, or tax obligations are resolved
  
  

  Once the retention period lapses or data is no longer needed, it is securely deleted or anonymized.

• 7. Your Rights and Controls

  You have the right to:

  • Access your personal and investment-related data
  • Correct or update any inaccurate or outdated information
  • Withdraw consent, subject to contractual or regulatory obligations
  • Request deletion of your data (where legally permissible)
  • Opt-out of receiving promotional or non-essential communication
  • File a grievance if you believe your privacy rights are violated
  
  

  You can write to us using the contact details provided below to exercise any of these rights.

8. Use of Cookies & Tracking Technologies

Our website may use cookies, analytics tools, and session tracking to enhance user experience, monitor traffic, and improve functionality.

You may control cookie usage via your browser settings. Disabling cookies may impact some features.

9. Third-Party Links

Our platform may link to external websites or fintech platforms. These are governed by their own privacy policies, and we assume no responsibility for their data practices.

We advise you to review the privacy statements of those third-party services before sharing your personal data.

10. Changes to This Policy

This Privacy Policy may be updated from time to time to reflect changes in laws, technology, or our data practices. The revised version will be posted on our website with the updated date

We encourage you to periodically review this policy to stay informed.