Privacy Policy

1. Scope of this Privacy Policy

This Privacy Policy applies to personal data collected through:

• the FinEdge website;
• FinEdge mobile applications, if applicable;
• the Dreams into Action platform, or DiA;
• client onboarding and service interactions;
• portfolio review and goal-planning conversations;
• calls, emails, WhatsApp, SMS, forms, and other communication channels;
• Investment Manager interactions;
• transaction, service, reporting, and review workflows;
• analytics, cookies, and digital engagement tools.

This Privacy Policy applies to website visitors, prospects, clients, authorised representatives, nominees, guardians, and any person who interacts with FinEdge.

2. Information We May Collect

We may collect personal data directly from you, through authorised platforms, or through service providers and regulated financial infrastructure.

This may include:

Personal and contact details

• name;
• mobile number;
• email address;
• address;
• date of birth;
• gender;
• marital status;
• family details shared for planning purposes.

Identity, KYC, and regulatory information

• PAN;
• KYC status;
• bank details;
• nominee details;
• tax residency information;
• FATCA / CRS information, where applicable;
• documents required for mutual fund transactions, KYC, service requests, or compliance.

Financial and investing information

• income and cash flow details;
• financial goals;
• investment preferences;
• risk-related information;
• existing mutual fund holdings;
• SIPs, STPs, SWPs, redemptions, switches, and other transaction details;
• portfolio reports and account statements;
• service request history.

Platform and usage information

• website usage data;
• device information;
• IP address;
• browser type;
• pages viewed;
• form submissions;
• login activity;
• cookies and similar tracking technologies;
• app or platform usage behaviour, where applicable.

Communication information

• call recordings, where calls are recorded;
• call summaries;
• WhatsApp, email, SMS, and other communication records;
• meeting notes;
• Investment Manager observations;
• service and support interactions;
• feedback and reviews shared by you.

AI-supported and analytics-derived information

FinEdge may use technology and AI-assisted tools to improve service quality, review quality, communication quality, prioritisation, operational efficiency, and client engagement. These tools may process structured information such as goals, portfolio context, review history, communication patterns, and service workflows.

AI is used as a support layer and does not replace human judgement in the client relationship.

3. How We Use Your Information

We may use your personal data for the following purposes:

• to respond to your enquiries;
• to onboard you as a client;
• to complete KYC, transaction, and service requirements;
• to help structure your goal-based investing journey;
• to provide mutual fund distribution support;
• to support portfolio reviews and reporting;
• to help Investment Managers understand your financial goals, timelines, and portfolio context;
• to process transactions and service requests through authorised infrastructure;
• to send statements, reports, reminders, updates, and service communications;
• to improve our website, platforms, and client experience;
• to maintain relationship history and continuity;
• to comply with legal, regulatory, audit, and internal control requirements;
• to detect, prevent, and address fraud, misuse, or unauthorised activity;
• to train, monitor, and improve service quality and communication quality;
• to send educational or informational communication, subject to applicable consent and opt-out choices.

We do not sell or rent your personal data.

4. Legal Basis and Consent

We collect and process personal data where:

• you have provided consent;
• processing is required to provide services requested by you;
• processing is necessary for compliance with applicable laws or regulatory requirements;
• processing is required for transaction, reporting, servicing, or operational purposes;
• processing is necessary for legitimate business purposes such as service quality, security, fraud prevention, internal governance, or platform improvement.

You may withdraw consent for non-essential processing by contacting us. However, withdrawal of consent may affect our ability to provide certain services, process transactions, complete service requests, or meet legal and regulatory requirements.

5. Sharing of Information

We may share your information with third parties only where required for providing services, fulfilling transactions, complying with law, or improving service quality.

These may include:

• Asset Management Companies, or AMCs;
• Registrar and Transfer Agents, or RTAs;
• BSE StAR MF or other authorised transaction platforms;
• MF Central and other authorised servicing platforms;
• KYC Registration Agencies and KYC service providers;
• payment gateways, banks, and payment service providers;
• OTP, email, SMS, WhatsApp, telephony, and communication service providers;
• cloud hosting, technology, analytics, cybersecurity, and software service providers;
• auditors, legal advisors, consultants, and compliance professionals;
• regulators, government authorities, law enforcement agencies, courts, or statutory bodies, where required;
• group entities, successors, or permitted assigns, subject to applicable law.

We require service providers to use personal data only for authorised purposes and to maintain reasonable security and confidentiality standards.

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

• improve website functionality;
• understand visitor behaviour;
• analyse website performance;
• personalise user experience;
• measure campaign effectiveness;
• secure website access.

You may disable cookies through your browser settings. However, some website features may not function properly if cookies are disabled.

7. Call Recordings and Communication Monitoring

FinEdge may record or monitor calls and digital communications for:

• service quality;
• training;
• dispute resolution;
• compliance;
• audit;
• client relationship continuity;
• improving communication and engagement quality.

By interacting with FinEdge through calls, WhatsApp, email, SMS, or other communication channels, you acknowledge that such communications may be recorded, stored, reviewed, or analysed where permitted by law.

8. Use of AI and Technology

FinEdge may use AI-assisted tools, analytics, and technology systems to support:

• client context understanding;
• portfolio review preparation;
• communication quality;
• service prioritisation;
• operational workflows;
• internal quality checks;
• relationship continuity;
• pattern identification and process improvement.

AI is used to support Investment Managers and internal teams. It does not independently recommend funds, replace human judgement, guarantee outcomes, or make autonomous investment decisions on behalf of clients.

9. Data Security

We use reasonable technical, organisational, and administrative safeguards to protect personal data from unauthorised access, misuse, loss, alteration, or disclosure.

These may include access controls, encryption where appropriate, audit logs, secure systems, vendor controls, internal policies, and staff training.

However, no digital platform or transmission method can be guaranteed to be completely secure. Users are responsible for maintaining the confidentiality of their login credentials, OTPs, passwords, and devices.

10. Data Retention

We retain personal data for as long as necessary to:

• provide services;
• maintain client records;
• meet legal, regulatory, audit, tax, and compliance requirements;
• resolve disputes;
• enforce agreements;
• support internal governance and service continuity.

Certain records may be retained even after the client relationship ends where required by law, regulation, audit, dispute resolution, or legitimate business purposes.

11. Your Rights

Subject to applicable law, you may have the right to:

• access personal data held by us;
• correct inaccurate or incomplete data;
• update your information;
• withdraw consent for non-essential processing;
• request deletion, subject to legal and regulatory retention requirements;
• raise grievances regarding data processing;
• opt out of non-essential promotional communication.

To exercise these rights, please contact us using the details provided below.

12. Children and Minors

FinEdge’s services are generally intended for adults. Where information relating to minors is collected, such as for goal planning, nominee details, or investments made on behalf of minors, it should be provided by a parent, guardian, or authorised person.

13. Cross-Border Access

FinEdge may provide services to eligible Indian residents and Non-Resident Indians, subject to applicable laws, regulations, platform availability, and service provider requirements.

Personal data may be processed or stored using service providers located in India or outside India, where permitted by applicable law and subject to appropriate safeguards.

14. Third-Party Links

Our website or platforms may contain links to third-party websites, platforms, or service providers. We are not responsible for the privacy practices, content, security, or policies of such third-party platforms. Users should review the privacy policies of those platforms independently.

15. Updates to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation, business practices, technology, or service offerings.

The updated version will be published on our website with the revised effective date. Continued use of our website or services after such updates will be deemed acceptance of the revised Privacy Policy.

16. Contact and Grievance Redressal

For any privacy-related questions, data requests, or grievances, please contact: