Privacy Policy

1. Information We Collect

Niveshalaya LLP collects information necessary to execute mutual fund investments, facilitate insurance enrollments, and satisfy SEBI/AMFI regulatory KYC mandates. This includes:

• Identity & Contact Details: Full Name, Email Address, Mobile/WhatsApp number, Date of Birth, and Residential Address.
• Statutory & KYC Identifiers: PAN Card details, Aadhaar (in accordance with UIDAI masking rules), Bank Account details (cancelled cheques/IFSC for dividend/redemption routing), and FATCA/CRS declarations.
• Financial Profiles: Investment preferences, risk profiling responses, and financial goal horizons submitted through calculators or consultations.

2. How We Use Your Information

The information collected is used solely for the following legitimate purposes:

• Facilitating onboarding, KYC verification, and scheme transaction processing through authorized registrar and transfer agents (CAMS, KFintech, MF Central, BSE StAR MF).
• Providing access to digital portfolio tracking through our client portals (MF Box and IFA Planet).
• Sending critical transaction confirmations, portfolio valuation summaries, and regulatory circular updates.
• Responding promptly to your inquiries, consultation requests, and service tickets.

3. Data Security & Storage

We implement stringent electronic, physical, and administrative safeguards to protect your personal and financial records. Sensitive data transmission is encrypted using Secure Sockets Layer (SSL/TLS) technology. We never sell, trade, or rent your personal contact information to third-party telemarketers or external advertisers.

4. Disclosure to Regulatory Bodies & Authorized Partners

As an AMFI Registered Mutual Fund Distributor, we may disclose client records when required by law or judicial authority (SEBI, RBI, FIU-IND, Tax Authorities), or to authorized intermediaries (AMCs, RTAs, Depositories) strictly for processing your investment requests.

5. Cookies and Web Analytics

Our website uses basic operational cookies and anonymous analytical tools to optimize user experience, measure traffic patterns, and improve financial calculator performance. You can choose to disable cookies through your browser settings.

6. Grievance Redressal & Contact Information

If you have any questions regarding this Privacy Policy or wish to review, update, or resolve any concern regarding your personal data, please contact our Compliance Officer: