Privacy Policy

A. INTRODUCTION

Aarthiq together with JMD Arthvistaar Private Limited ("Company," "Aarthiq," "we," "us") is committed to protecting your privacy and personal information. This Privacy Policy outlines how we collect, use, store, and disclose your information when you use our website www.aarthiq.in and related financial services.

This policy should be read in conjunction with our Terms of Use and investment account agreements, including Know Your Customer (KYC) procedures.

For privacy-related queries: support@aarthiq.in

B. INFORMATION WE COLLECT

1. Personal Information Required for Registration

  Identity Details: Full name, date of birth, photographs

  Contact Information: Address, phone number, email address

  Financial Information: PAN number, bank account details, investment portfolio information (upon consent)

  KYC Documentation: Identity proofs, address proofs, and related documents (upon consent)

2. Aadhaar Information (Optional)

  Voluntary Submission: Aadhaar collection is optional; alternative documents (PAN, Passport, Driving License, Voter ID) are accepted

  Limited Purpose: Used solely for identity verification and regulatory compliance when mandatory

  Restricted Sharing: Not shared with third parties without explicit consent

  Secure Retention: Stored only for the required duration with enhanced security measures per applicable laws

3. Technical and Usage Information

  System Data: IP addresses, browser information, device details

  Website Analytics: Navigation patterns, page visits, session duration

  Communication Records: Live chat conversations, form submissions, geo-location data

4. Email Integration (Consent-Based)

With your explicit authorization, we may:

  Limited Access: Connect to your email accounts through secure provider mechanisms

  Specific Content: Analyze emails exclusively from Registrar & Transfer Agents (RTAs) and Depositories

  Portfolio Services: Extract investment-related information for consolidated portfolio tracking

  User Control: You can disconnect email access at any time

C. HOW WE USE YOUR INFORMATION

1. Service Delivery

  Transaction Processing: Execute and manage your investment transactions

  Account Management: Maintain accurate records and provide customer support

  Portfolio Services: Generate consolidated investment reports and statements

2. Regulatory Compliance

  KYC/AML Verification: Identity verification and anti-money laundering compliance

  Statutory Reporting: Submissions to SEBI, RBI, tax authorities as required

  Record Keeping: Maintenance of transaction records per regulatory requirements

3. Communication

  Express Consent: By registering, you consent to receive communications via phone, SMS, email (including promotional content) even if registered under DND/NCPR

  Service Communications: Transaction confirmations, account updates, regulatory notices

  Personalization: Customized content based on your investment preferences and behavior

4. Security and Fraud Prevention

  System Security: Monitor for unauthorized access and suspicious activities

  Fraud Detection: Protect against fraudulent transactions and identity theft

  Compliance Monitoring: Ensure adherence to regulatory and internal policies

D. INFORMATION SHARING AND DISCLOSURE

1. No Commercial Sale

We do not sell or rent your personal information to third parties for commercial purposes

2. Permitted Disclosures

We may share your information with:

  Service Providers: Authorized third parties for transaction processing, technology services, customer support

  Regulatory Bodies: SEBI, RBI, tax authorities, and other statutory bodies as legally required

  Group Companies: Parent companies, subsidiaries, and affiliates for service enhancement

  Legal Authorities: Law enforcement agencies, courts, government officials for legal compliance

  Business Transfers: In case of mergers, acquisitions, or corporate restructuring (with user notification)

3. Third-Party Service Providers

External service providers operate under confidentiality agreements and their own privacy policies. We recommend reviewing their policies before sharing information.

E. DATA SECURITY

1. Security Measures

We do not sell or rent your personal information to third parties for commercial purposes

2. Permitted Disclosures

  Bank-Grade Security: Industry-standard encryption and security protocols

  Access Controls: Restricted access to authorized personnel only

  Regular Monitoring: Continuous security monitoring and threat detection

  System Updates: Regular security updates and vulnerability assessments

F. COOKIES AND TRACKING TECHNOLOGIES

1. Cookie Usage

We use cookies to:

  Essential Functions: Enable website functionality and user authentication

  Analytics: Track usage patterns and improve user experience

  Personalization: Remember preferences and customize content

  Advertising: Deliver relevant advertisements through third-party services

2. Cookie Management

You can control cookie settings through your browser preferences, though this may affect website functionality.

G. EXTERNAL LINKS AND THIRD-PARTY SERVICES

Our website may contain links to external sites. We are not responsible for the privacy practices of these third-party websites. Users should review the privacy policies of external sites before sharing information

H. USER RIGHTS AND ACCOUNT MANAGEMENT

1. Information Access and Modification

  Profile Updates: Modify personal information before making investments

  Post-Investment Changes: Update bank details, addresses, nominee information with proper verification

  Information Review: Access your personal information and transaction history

2. Account Deletion

  Deletion Request: Request complete account deletion through our support platform

  Data Removal: Delete all non-essential information upon request

  Retention Requirements: Some information retained for legal, regulatory, or business purposes

  Dispute Resolution: Account deletion may be delayed if disputes or claims are pending

3. Password Security

  User Responsibility: Maintain confidentiality of login credentials

  Unauthorized Use: Immediately report suspected unauthorized access

  Third-Party Sharing: Avoid sharing credentials with unauthorized third parties

  Regular Updates: Change passwords regularly and use strong authentication

I. DATA RETENTION

1. Retention Periods

  Active Accounts: Information retained during the service relationship

  Regulatory Requirements: Financial records retained per statutory requirements (typically 7-10 years)

  Backup Systems: Some information may persist in backup systems due to technical constraints

  Legal Obligations: Certain data retained for dispute resolution and legal compliance

J. INTELLECTUAL PROPERTY

1. Proprietary Rights

All website content, including trademarks, copyrights, and intellectual property, belongs to JMD Arthvistaar Private Limited or licensed third parties.

2. User Restrictions

Users may not copy, reproduce, distribute, or commercially exploit any platform content without written permission.

3. Infringement Claims

Report suspected intellectual property violations to support@aarthiq.in with detailed information and proof of ownership.

K. POLICY UPDATES

1. Amendment Rights

We reserve the right to modify this Privacy Policy periodically to reflect changes in our practices or applicable laws.

2. Notification Process

  Material Changes: Users notified of significant changes via email or website notices

  Continued Use: Continued platform usage constitutes acceptance of updated terms

  Review Recommendation: Users advised to periodically review policy updates

3. Disagreement with Changes

Users who disagree with policy modifications may terminate their account and discontinue services.

L. GOVERNING LAW AND JURISDICTION

This Privacy Policy is governed by Indian law. Disputes arising from this policy shall be subject to the exclusive jurisdiction of courts in New Delhi, India.

M. DISCLAIMER

While we implement comprehensive security measures, we cannot guarantee absolute privacy protection due to the inherent risks of internet communication and potential third-party interference. Users assume responsibility for their platform usage and information sharing decisions.

N. ACKNOWLEDGMENT

By using our services, you acknowledge that you have read, understood, and consent to this Privacy Policy and the collection, use, and disclosure of your information as described herein

JMD Arthvistaar Private Limited

AMFI Registration: ARN-339179

Important: Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully.