Privacy Policy

We collect the following types of personal information when you use our website or services:

Information you provide directly:
- Name, email address, phone number submitted via contact forms or newsletter signup
- Service enquiry details and financial information you choose to share during consultations
- Identity and KYC documents required for regulatory compliance when you engage our services

Information collected automatically:
- Browser type, operating system, and device information
- Pages visited, time spent on pages, and referral sources (via analytics tools)
- IP address and approximate location

We do NOT collect:
- Payment card information (processed by regulated third-party payment processors)
- Sensitive personal data beyond what is legally required for financial services compliance

We use your personal information for the following purposes:

- Service delivery: To respond to enquiries, provide financial advisory services, and manage your investment accounts
- Regulatory compliance: To fulfil KYC/AML obligations under SEBI, AMFI, and IRDAI regulations
- Communication: To send account updates, investment reports, and relevant financial information you have requested
- Marketing: With your consent, to send newsletters, market insights, and promotional materials (you may unsubscribe at any time)
- Website improvement: To analyse usage patterns and improve our website and services
- Legal obligations: To comply with applicable laws, regulations, and court orders

We do not sell, rent, or trade your personal information. We may share it only in the following circumstances:

- Regulated financial partners: We share necessary information with SEBI-regulated AMCs, insurance companies, PMS providers, and depositories strictly for service delivery
- Regulatory authorities: AMFI, SEBI, IRDAI, Income Tax Department, and other statutory bodies as required by law
- KYC Registration Agencies: CAMS KRA, Karvy, or CVL KRA for KYC verification as mandated by SEBI
- Service providers: Technology partners and cloud service providers under strict data processing agreements
- Legal requirements: In response to lawful requests from law enforcement or regulatory authorities

We retain your personal information for the following periods:

- Client records: 8 years after the end of the client relationship, as required by SEBI regulations
- KYC records: As mandated by applicable anti-money laundering regulations
- Contact form submissions: 2 years from the date of submission
- Website analytics data: 26 months (anonymised aggregated data may be retained longer)
- Marketing consent records: Until consent is withdrawn plus 1 year

After the applicable retention period, data is securely deleted or anonymised.

Under India's Digital Personal Data Protection Act (DPDP Act) 2023, you have the following rights:

- Right to access: Request a copy of personal data we hold about you
- Right to correction: Request correction of inaccurate or incomplete personal data
- Right to erasure: Request deletion of your personal data (subject to legal retention obligations)
- Right to grievance redressal: Lodge a complaint with us or the Data Protection Board of India
- Right to nominate: Nominate a person to exercise your rights on your behalf
- Right to withdraw consent: Withdraw marketing consent at any time

To exercise any of these rights, contact us at: contact@aditya-agrawal.in

Our website uses cookies and similar technologies for:

- Essential cookies: Required for website functionality (cannot be disabled)
- Analytics cookies: To understand how visitors use our website (can be opted out)
- Performance cookies: To improve website speed and user experience

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality. We do not use cookies for advertising or cross-site tracking.

We implement appropriate technical and organisational measures to protect your personal data, including:

- SSL/TLS encryption for data transmission
- Secure cloud hosting with data encryption at rest
- Access controls limiting data access to authorised personnel only
- Regular security assessments and updates

However, no internet transmission is 100% secure. We cannot guarantee absolute security of data transmitted online.

Our website contains links to third-party websites including BSE, NSE, AMFI, and fund house portals. We are not responsible for the privacy practices of these external websites. We encourage you to review their privacy policies before providing any personal information.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of material changes by posting the updated policy on our website with a revised date. Continued use of our services after notification of changes constitutes acceptance of the updated policy.

For any privacy-related queries, requests, or complaints:

Aditya Agrawal (Data Protection Officer)
Email: contact@aditya-agrawal.in
Phone: +91 80739 61238
Website: www.aditya-agrawal.in

We will respond to privacy requests within 30 days.