1. Introduction
Gowrisankar R ("we," "our," or "us") is an AMFI Registered Mutual Fund Distributor (ARN-164506) committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our financial advisory services, including mutual funds, insurance, and wealth management services.
2. Information We Collect
2.1 Personal Information
We may collect the following types of personal information:
- Name, date of birth, and contact details (phone, email, address)
- PAN (Permanent Account Number) and Aadhaar details for KYC compliance
- Bank account details and financial information
- Investment objectives, risk profile, and financial goals
- Employment and income details
- Information about your dependents for insurance and child future planning
2.2 Financial Information
We collect information about your investment portfolio, insurance policies, financial assessments, and other financial data necessary to provide personalized advisory services.
2.3 Technical Information
When you visit our website, we may automatically collect certain information such as IP address, browser type, device information, and usage patterns through cookies and similar technologies.
3. How We Use Your Information
We use your personal information for the following purposes:
- To provide financial advisory services including financial assessment, retirement planning, and portfolio review
- To process mutual fund investments, insurance applications, and other financial products
- To comply with regulatory requirements including AMFI, SEBI, and IRDAI guidelines
- To perform KYC (Know Your Customer) and AML (Anti-Money Laundering) checks as required by law
- To communicate with you about your investments, services, and important updates
- To send you newsletters, market insights, and financial education content (with your consent)
- To improve our services and website functionality
- To respond to your inquiries and provide customer support
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
- Asset Management Companies (AMCs): For processing mutual fund investments
- Insurance Companies: For processing insurance applications and claims
- Regulatory Authorities: As required by SEBI, AMFI, IRDAI, or other regulatory bodies
- Service Providers: Third-party vendors who assist in providing our services (under strict confidentiality agreements)
- Legal Requirements: When required by law, court order, or government regulations
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained as per regulatory requirements (typically 5-7 years).
7. Your Rights
You have the right to:
- Access and review your personal information
- Request correction of inaccurate or incomplete data
- Request deletion of your personal information (subject to regulatory requirements)
- Opt-out of marketing communications
- Withdraw consent for data processing (where applicable)
- File a complaint with relevant data protection authorities
To exercise these rights, please contact us at info@wealthgowri.com or call us at 9500189882.
8. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand user preferences. You can control cookie settings through your browser preferences.
9. Third-Party Links
Our website may contain links to third-party websites, including AMC websites, insurance company portals, and regulatory authority sites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Gowrisankar R
Personal Finance Specialist
AMFI ARN-164506
Email: info@wealthgowri.com
Phone: 9500189882