Privacy Policy

We are committed to protecting your online privacy and to the appropriate management of any personally identifiable information ("Personal Information") that you share with us.

Your Personal Information may include, but is not limited to:

Where information is obtained from SMS, this is limited to partial payment-card data only to the extent disclosed within the message itself, along with transaction-related details such as the identity of the service or product and the price or fee paid or payable.

The App may also access your mobile device's unique Device ID, assigned by the manufacturer, to store your preferences and deliver a consistent experience across devices.

If you choose to participate in additional schemes, facilities, or services offered through the App, you may be asked to provide further information. Any such information becomes part of the Company's database and is treated as Personal Information under this Policy.

We may update this Privacy Policy and our Terms & Conditions from time to time at our discretion. Material changes will be reflected by an updated "Last updated" date at the top of this page. Your continued use of the App after changes are posted constitutes acceptance of the revised terms.

We encourage you to review this Policy periodically. If you do not agree with any modification, you may discontinue use of the App at any time.

We collect, store, access, and use Personal Information solely to the extent required to enable Users to access the App's features and to provide a better overall experience.

Information you provide is used to improve our products, services, and App content. We may share this information with our service Partners only where you have expressed interest in products or services delivered through those Partners. Demographic and profile data may also be used, in aggregate, for statistical analysis and to improve our marketing activities.

Sharing your data with the Company is entirely voluntary. We do not compel Users to disclose Personal Information, and any data shared is done so at your own discretion, subject to this Policy.

We treat your data as an asset that must be protected against loss and unauthorized access. The Company applies current industry-standard encryption and security practices to safeguard Personal Information from loss, misuse, unauthorized access, disclosure, alteration, and destruction — both during transmission and once received.

The App may contain information designated as confidential by Us. You agree not to disclose such information without our prior written consent.

Your Personal Information is treated as confidential and will not be disclosed to any third party except where legally required to do so by an appropriate authority.

We will not sell, share, rent, lease, trade, distribute, publish, or transfer your Personal Information to any third party, nor use your email address for unsolicited mail or your phone number for unsolicited calls. Communications from us are limited to those connected with the services and products you have agreed to use.

Given the existing regulatory environment, we cannot guarantee that private communications or personally identifiable information will never be disclosed beyond what is described in this Policy. We may, for example, be required to disclose information to government bodies, law enforcement agencies, or other third parties.

As a matter of policy, we do not sell or rent any personally identifiable information about you to any third party.

6.1 Law and order

We cooperate with law enforcement and other authorized third parties to support the enforcement of laws relating to intellectual property rights, fraud, and related matters. By using the App, you authorize us to disclose relevant information to law enforcement or government officials where we, in our sole discretion, believe this is necessary in connection with an investigation of fraud, intellectual property infringement, or other unlawful activity.

6.2 Data deletion

As a regulated financial advisory service, we are required to verify client identity and retain data — including information provided, documents uploaded, insights generated, and advice delivered — for a minimum statutory retention period. Once this period has elapsed and the service agreement has ended, we will permanently archive your data from our live systems upon your written instruction.

When you create a Member account, you will choose a password. You are solely responsible for keeping this password confidential and for all activity that occurs under your account.

• Do not share your username, email address, or password with any third party.
• If you choose to share access for additional services, you remain responsible for actions taken under your credentials — review the privacy policy of any such third party first.
• Sign out after each session, particularly on shared or public devices.
• Change your password immediately if you suspect it has been compromised, and notify us right away.

While we are committed to protecting your privacy, we cannot guarantee that sensitive information — including financial or payment details — will never be disclosed in ways outside this Policy. By using the App, you acknowledge and accept the inherent risks of internet-based services and assume responsibility for your conduct on and off the App.

The App may contain links to third-party websites provided for your convenience. We do not warrant the accuracy, completeness, or reliability of such external content, and this Policy does not extend to any site you access via such links.

Disputes arising from this Policy — including those relating to rights, compensation, refunds, or other claims — will be resolved through a two-step Alternate Dispute Resolution process, conducted in Bangalore, India, in the English language.

Stage 1 — Mediation

Both parties will attempt resolution through a mutually agreed, neutral sole mediator. If consensus cannot be reached between two proposed mediators, the Company reserves the right to appoint the final mediator. While the mediator's decision is not binding, both parties agree to engage in good faith.

Stage 2 — Arbitration

If mediation does not produce a satisfactory outcome, the matter proceeds to binding arbitration before a three-member Arbitration Board — one member appointed by each party, with the third nominated by mutual consent of the first two. The arbitrator's award is final and binding. Unresolved matters fall under the jurisdiction of the courts at Bangalore.

If you have questions, concerns, or requests regarding this Privacy Policy or your Personal Information, please reach out to our Customer Support Desk: