Privacy Policy | Data Protection & Security

1. Introduction

Siddharth Varma ("we", "our", "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, services, and related platforms.

By using our services, you consent to the data practices described in this policy. We comply with the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and all applicable SEBI regulations.

2. Information We Collect

We collect the following types of information to provide and improve our services:

Identity Information: Full name, date of birth, PAN number, and photograph as required for KYC compliance.
Contact Information: Phone number, email address, and residential address.
Financial Information: Bank account details, investment preferences, risk profile, income range, and occupation.
KYC Verification Data: Aadhaar verification status (we do not store your Aadhaar number), e-Sign records, and KRA verification status.
Technical Information: IP address, browser type, device information, and website usage patterns collected through standard analytics.
Communication Records: Records of your queries, callback requests, and correspondence with our team.

3. How We Use Your Information

Your information is used exclusively for the following purposes:

Processing your KYC and onboarding you as a mutual fund investor.
Executing mutual fund transactions (purchases, redemptions, SIP registrations) on your behalf.
Providing personalized investment advice and portfolio recommendations.
Generating portfolio reports, tax statements, and account summaries through Red Vision Software.
Communicating service updates, market insights, and regulatory notices.
Complying with legal and regulatory requirements including SEBI, AMFI, and tax authorities.

4. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your data only with:

Asset Management Companies (AMCs): To process your mutual fund transactions.
KYC Registration Agencies (KRAs): CAMS and KFintech for KYC verification.
Red Vision Software: Our portfolio management platform for generating reports and tracking investments.
Regulatory Authorities: SEBI, AMFI, or tax authorities when legally required.
Payment Processors: Banks and payment gateways for processing transactions securely.

5. Data Security

We implement industry-standard security measures to protect your data:

256-bit AES encryption for all data transmission.
Secure, access-controlled servers with regular security audits.
Multi-factor authentication for administrative access.
Regular backup procedures to prevent data loss.
Staff training on data protection and privacy compliance.

6. Data Retention

We retain your personal and financial data for as long as your account is active and for a minimum of 5 years after account closure, as required by SEBI regulations for mutual fund distributors. Transaction records may be retained for up to 8 years for tax compliance purposes.

7. Your Rights

You have the right to:

Access your personal data held by us.
Request correction of inaccurate information.
Request deletion of your data (subject to regulatory retention requirements).
Opt out of marketing communications.
Withdraw consent for non-essential data processing.

8. Cookies and Analytics

Our website uses essential cookies for functionality and analytics cookies to understand how visitors use our site. No personally identifiable information is collected through cookies. You can disable cookies through your browser settings.

9. Changes to This Policy

We may update this privacy policy periodically. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy regularly.

10. Contact Us

For privacy-related queries or to exercise your data rights, contact us at:

Email: info@vantagevarma.com
Phone: +91 98765 43210
Address: 12/B FinTech Tower, Mumbai, Maharashtra, India