Privacy Policy

1 Introduction

Welcome to Saksham Financial Services Pvt. Ltd. (“Company,” “we,” “us,” or “our”). We are an AMFI-registered mutual fund distributor operating under ARN: 353545, committed to providing trusted financial advisory and distribution services across India.

This Privacy Policy explains how we collect, use, store, share, and protect your personal and financial information when you visit our website www.sakshamfinserv.com, use our services, or interact with us in any manner. By accessing our website or availing of our services, you consent to the practices described in this policy.

We are committed to safeguarding your privacy in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and all applicable SEBI and AMFI guidelines.

2 Information We Collect

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

Personal Information:

• Full name, date of birth, and gender
• Email address and phone number
• Permanent Account Number (PAN) and Aadhaar details (for KYC purposes)
• Residential and correspondence address
• Bank account details and nominee information

Financial Information:

• Investment preferences and risk appetite profile
• Existing portfolio details and investment history
• Income range and financial goals
• Transaction records related to mutual fund investments

Technical Information:

• IP address and browser type/version
• Device information and operating system
• Cookies, session data, and browsing activity on our website
• Referring URLs and pages visited

Communication Records:

• Emails, messages, and call records exchanged with our team
• Feedback, queries, and complaints submitted via our website or other channels
• Records of consent provided for communications and marketing

3 How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process your mutual fund investments, SIPs, redemptions, and other financial service requests
• KYC Compliance: To complete your Know Your Customer (KYC) verification as mandated by SEBI and AMFI regulations
• Communication: To send transaction confirmations, account statements, NAV updates, and other service-related notifications
• Regulatory Compliance: To comply with applicable laws, SEBI regulations, AMFI guidelines, anti-money laundering (AML) norms, and tax reporting obligations
• Service Improvement: To analyze usage patterns, understand client needs, and enhance our website, tools, and service offerings
• Marketing: To share investment insights, market updates, new scheme launches, and educational content (with your consent)
• Risk Profiling: To assess your risk tolerance and recommend suitable investment products aligned with your financial goals
• Grievance Resolution: To address and resolve complaints, disputes, and service-related issues efficiently

4 Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. The types of cookies we use include:

• Essential Cookies: Required for basic website functionality such as page navigation, secure area access, and form submissions
• Analytical/Performance Cookies: Help us understand how visitors interact with our website by collecting information about pages visited, time spent, and error messages encountered
• Functional Cookies: Remember your preferences (such as language, region, and display settings) to provide a personalized experience on return visits
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements and measure the effectiveness of our marketing campaigns

You can control cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our website. By continuing to use our website, you consent to our use of cookies as described in this policy.

5 Information Sharing & Disclosure

We respect your privacy and do not sell, rent, or trade your personal information. We may share your information only in the following circumstances:

• Regulatory Authorities: With SEBI, AMFI, stock exchanges, and other regulatory or governmental bodies as required by law or in response to legal proceedings
• Fund Houses / AMCs: With Asset Management Companies and Registrar & Transfer Agents (such as CAMS and KFintech) to process your mutual fund transactions
• Legal Requirements: When disclosure is necessary to comply with a legal obligation, court order, or government request, or to protect our rights and safety
• Service Providers: With third-party technology vendors, payment processors, and communication platforms who assist in operating our services, strictly under Non-Disclosure Agreements (NDAs) and confidentiality obligations
• KYC Registration Agencies: With SEBI-registered KYC Registration Agencies (KRAs) for identity verification and compliance purposes

We ensure that all third parties with whom we share data maintain adequate security standards and use the information solely for the purposes for which it was shared.

6 Data Security

We take the security of your personal and financial data seriously and have implemented robust measures to protect it from unauthorized access, alteration, disclosure, or destruction:

• SSL Encryption: All data transmitted between your browser and our servers is encrypted using industry-standard Secure Socket Layer (SSL) technology
• Secure Servers: Your data is stored on secure, access-controlled servers with regular security audits and vulnerability assessments
• Access Controls: Only authorized personnel with a legitimate business need can access your personal information, and all access is logged and monitored
• Data Minimization: We collect only the information that is necessary for the purposes described in this policy and retain it only for as long as required
• Regular Reviews: We periodically review and update our security practices to align with evolving industry standards and regulatory requirements

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We encourage you to take appropriate steps to safeguard your login credentials and personal data.

7 Your Rights

You have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal data we hold about you at any time
• Right to Correction: You may request correction or updating of any inaccurate or incomplete personal information
• Right to Deletion: You may request deletion of your personal data, subject to our legal and regulatory retention obligations
• Right to Opt-Out: You may opt out of receiving marketing and promotional communications at any time by clicking the “unsubscribe” link in our emails or by contacting us directly
• Right to Withdraw Consent: Where processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of prior processing

To exercise any of these rights, please contact us at Support@sakshamfinserv.com. We will respond to your request within a reasonable timeframe, typically within 30 business days.

8 Third-Party Links

Our website may contain links to external websites operated by third parties, including AMC websites, online transaction platforms, regulatory bodies, and educational resources. These links are provided for your convenience and informational purposes only.

We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. We strongly encourage you to review the privacy policy and terms of use of any external website before providing any personal information. Saksham Financial Services Pvt. Ltd. shall not be held liable for any loss or damage arising from your use of third-party websites.

9 Children’s Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal or financial information from minors. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at Support@sakshamfinserv.com.

Upon verification, we will promptly delete such information from our records. For investment accounts involving minors, all transactions must be initiated and authorized by a parent or legal guardian in accordance with applicable laws and SEBI/AMFI regulations.

10 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, regulatory requirements, or for other operational, legal, or compliance reasons. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page
• Post the revised policy on our website
• Notify registered users via email where changes are significant

We encourage you to review this page periodically to stay informed about how we are protecting your information. Your continued use of our website and services after any modifications to this policy constitutes your acceptance of those changes.

11 Grievance Redressal

If you have any concerns, complaints, or grievances regarding the processing of your personal information or this Privacy Policy, please contact our Grievance Officer:

We aim to acknowledge all grievances within 48 hours and resolve them within 30 business days. If you are not satisfied with our response, you may escalate your concern to the appropriate regulatory authority.

12 Disclaimer

The information provided on this website is for general informational and educational purposes only and should not be construed as professional financial advice, a recommendation, or an offer to buy or sell any securities or financial products. Past performance of any investment product does not indicate or guarantee future results.

Saksham Financial Services Pvt. Ltd. shall not be liable for any direct, indirect, incidental, or consequential losses arising from the use of information provided on this website or through our services. All investments are subject to market risks, and users are solely responsible for their investment decisions.