Privacy Policy

This privacy policy sets out how Fundsmart uses and protects any information you share while using this website. Fundsmart is committed to ensuring that your privacy is always protected. If we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

Fundsmart may revise this policy from time to time by updating this page.

Fundsmart recognises that our relationship with you rests on trust and confidence. In the course of providing our services, we may have access to your personal information, including sensitive financial and identity information. We are strongly committed to safeguarding this information and have implemented appropriate technical, physical and organisational measures to protect its confidentiality, both in our systems and during transmission over the internet. However, no method of transmission over the internet is entirely secure, and we cannot guarantee absolute security against causes beyond our reasonable control. We may also be required to disclose your personal information to government authorities, judicial bodies, regulators including SEBI, AMFI and IRDAI, or to any person to whom disclosure is required under applicable law binding on us.

Links to other websites Any links from this website to other internet sites are followed at your own risk. Fundsmart does not verify, monitor or endorse the contents of such websites or the accuracy of the views expressed on them. Fundsmart is also not responsible for any link created from a third-party website to fundsmart.in.

What we collect

We may collect the following information:

• Name and contact details, including your address, email address and phone numbers
• Personal information, including date of birth, Aadhaar number, and Permanent Account Number (PAN)
• Demographic information such as gender, occupation and income range
• Bank account and nominee details required to process your investments
• Investment objectives, risk profile and existing holdings, used to assess product suitability
• Other information that helps us improve our products and services

What we do with the information we gather

• To conduct Know-Your-Customer registration as required by SEBI, AMFI and other regulatory bodies
• To execute and service your investment, insurance and loan transactions
• To assess the suitability of products against your stated goals and risk profile
• To perform compliance and anti-money laundering checks, and to keep and maintain internal records
• To use the information to improve our products and services
• To periodically send emails to your registered email address regarding your investments, portfolio updates, and other information we believe may be of interest to you
• You are free to unsubscribe from our marketing mailing list at any time if you do not wish to receive such emails. Transaction confirmations, statements and regulatory communications will continue to be sent while you hold an active account with us, as we are required to provide these
• We will not sell, distribute or lease your personal information to third parties, except where sharing is necessary under the terms of the products and services you avail, or where we are required to do so by law. We may contact you by phone or email for service, feedback or market research purposes

Security

We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. These include restricting access to your data to employees who need it to serve you, confidentiality obligations on our staff, and encrypted transmission of data.

Fundsmart will never ask you for your passwords, OTPs, PINs or net-banking credentials. If you receive any such request claiming to be from us, please do not respond and report it to us at customercare@fundsmart.in.

Links to other websites

Our website may contain links to other websites of interest, including our client login portal, appointment booking tools, and the websites of AMCs, SEBI and AMFI. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. Therefore, we cannot be responsible for the protection and privacy of any information you provide whilst visiting such sites. You should exercise caution and review the privacy statement applicable to the website in question.

Controlling your personal information

If you believe any information we hold about you is incorrect or incomplete, please write to us at customercare@fundsmart.in as soon as possible and we will make the necessary corrections promptly. You may also request access to a summary of the personal data we hold about you, request its erasure where we are not legally required to retain it, or withdraw consent you have previously given. Please note that certain records — including KYC and transaction records — must be retained for a minimum period under SEBI and anti-money laundering regulations, and cannot be deleted on request.

Data security

Fundsmart handles the personal and financial information of clients who trust us with their money, and we take the security implications of that seriously. The safeguards we adopt are both technical and organisational.

When it comes to data security, our goal is to ensure that:

• Your data is stored securely, with passwords held in encrypted form rather than as readable text
• Communication with you, and with mutual fund companies and other service providers, is encrypted in transit
• Your data is not shared with third parties except where required to fulfil a transaction you have requested, or where disclosure is required by law
• Our systems are hosted with established service providers and backed up regularly to ensure continuity of operations