Privacy Policy

This Privacy Policy describes how Dhan Kirti Investor Services Private Limited (“Dhan Kirti,” “we,” “us,” or “our”) collects, uses, protects, and shares your personal information when you visit our website www.dhankirti.co.in (the “Website”) or use our financial services (collectively, the “Services”).

1. About

Dhan Kirti Investor Services Private Limited is an AMFI-registered Mutual Fund Distributor (Registration Number: 315385) providing comprehensive wealth management and investment services. Our registered office is located at G-26, G Block, Rana Park Road, D. K. Mohan Garden, New Delhi – 110059, and our corporate office is at UG 14-15, Upper Ground Floor, Westend Mall, Near District Centre, Janak Puri, New Delhi – 110058.

2. Information We Collect

2.1 Personal Information You Provide

When you register for our services, subscribe to our newsletters, or contact us, we may collect:

• Basic Information: Name, email address, phone number, date of birth, age, occupation, and place of residence

• Financial Information: Income level, investment goals, risk tolerance, existing investment portfolio details, bank account information, PAN card details, and KYC documents

• Professional Information: Employment details, business information, and professional background

• Contact Information: Billing address, correspondence address, and communication preferences

• Transaction Information: Details of your investments, mutual fund transactions, and payment information

2.2 Device and Usage Information

We automatically collect certain technical information when you visit our Website:

• Device Information: IP address, browser type and version, operating system, device identifiers, and hardware settings

• Usage Data: Pages visited, time spent on pages, referring websites, search terms used, click patterns, and interaction with our Website features

• Location Information: General geographic location based on your IP address

• Cookies and Tracking Technologies: Information collected through cookies, web beacons, pixels, and similar technologies

2.3 Information from Third Parties

We may receive information about you from:

• Credit Information Companies: Credit scores and financial history for investment suitability assessment

• KYC Service Providers: Identity verification and compliance-related information

• Regulatory Databases: Information required for compliance with SEBI, AMFI, and other regulatory requirements

• Market Data Providers: Investment research and market analysis relevant to your portfolio

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Service Provision

• Providing wealth management, mutual fund distribution, and investment advisory services

• Processing transactions and maintaining your investment portfolio

• Offering personalised investment recommendations based on your risk profile and goals

• Facilitating unlisted equity investments, portfolio management services, and alternative investment funds

3.2 Communication and Support

• Responding to your inquiries and providing customer support

• Sending service-related notifications, transaction confirmations, and account statements

• Providing market updates, research reports, newsletters, and educational content

• Offering information about new products and services that may interest you

3.3 Compliance and Legal Requirements

• Complying with SEBI regulations, AMFI guidelines, and other applicable laws

• Conducting KYC verification and anti-money laundering checks

• Maintaining records as required by financial regulators

• Preventing fraud and ensuring the security of our services

3.4 Business Operations

• Analyzing usage patterns to improve our Website and services

• Conducting market research and developing new investment products

• Managing risk and performing internal audits

• Training our staff and improving service quality

4. Legal Basis for Processing (For EU Residents)

If you are a European resident, we process your personal information based on:

• Contractual Necessity: To fulfil our services agreement with you

• Legal Compliance: To comply with applicable financial regulations

• Legitimate Interests: For business operations, fraud prevention, and service improvement

• Consent: For marketing communications and optional services (where applicable)

5. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

5.1 Service Providers and Partners

• Investment Platforms: AMCs, stock exchanges, and investment platforms for transaction processing

• Technology Vendors: Cloud service providers, data processors, and IT support services

• Professional Services: Legal advisors, auditors, and compliance consultants

• KYC Agencies: Identity verification and background check service providers

5.2 Regulatory and Legal Requirements

• Financial Regulators: SEBI, AMFI, RBI, and other regulatory authorities as required

• Law Enforcement: Government agencies, courts, and law enforcement in response to legal process

• Compliance: Tax authorities and other agencies as mandated by applicable laws

5.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

5.4 Consent-Based Sharing

We may share your information with third parties when you have given explicit consent for specific purposes.

6. Data Security and Protection

We implement industry-standard security measures to protect your personal information:

• Encryption: All data transmission is secured using HTTPS/TLS encryption protocols

• Access Controls: Restricted access to personal information on a need-to-know basis

• Physical Security: Secure data centers and office premises with controlled access

• Regular Audits: Periodic security assessments and compliance reviews

• Employee Training: Regular training on data privacy and security best practices

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you

• Comply with legal and regulatory requirements (typically 7-10 years for financial records)

• Resolve disputes and enforce our agreements

• Pursue legitimate business interests

8. Your Rights and Choices

8.1 Access and Correction

• You can request a copy of your personal information we hold

• You may update or correct inaccurate information through your account settings or by contacting us

8.2 Communication Preferences

• You can opt-out of promotional communications by using the unsubscribe link in emails

• You can modify your communication preferences in your account settings

• Essential service communications cannot be opted out of

8.3 Account Closure

• You may request account closure, subject to regulatory retention requirements

• Some information may be retained for compliance purposes even after account closure

8.4 EU Residents’ Additional Rights

If you are a European resident, you have additional rights including:

• Right to deletion (subject to legal requirements)

• Right to data portability

• Right to restrict processing

• Right to object to processing

9. Cookies and Tracking Technologies

Our Website uses cookies and similar technologies to:

• Essential Cookies: Enable basic website functionality and security

• Analytics Cookies: Understand how visitors use our Website to improve user experience

• Preference Cookies: Remember your settings and preferences

• Marketing Cookies: Deliver relevant advertisements and measure campaign effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect Website functionality.

10. Third-Party Links and Services

Our Website may contain links to third-party websites and services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

12. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information during such transfers, in compliance with applicable data protection laws.

13. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable laws. We will notify you of material changes through:

• Email notification to your registered email address

• Prominent notice on our Website

• In-app notifications (if applicable)

Your continued use of our services after receiving notice of changes constitutes acceptance of the updated Privacy Policy.

14. Grievance Redressal

For any privacy-related concerns, complaints, or requests, please contact our Grievance Officer:

Grievance Officer Contact Details:

• Email: info@dhankirti.co.in

• Phone: +91-8595166872

• Address: UG 14-15, Upper Ground Floor, Westend Mall, Near District Centre, Janak Puri, New Delhi – 110058

We are committed to resolving your concerns promptly and will respond to your queries within 30 days of receipt.

15. Regulatory Compliance

This Privacy Policy is designed to comply with:

• Information Technology Act, 2000 and IT Rules, 2011

• Securities and Exchange Board of India (SEBI) regulations

• Association of Mutual Funds in India (AMFI) guidelines

• Prevention of Money Laundering Act (PMLA), 2002

• General Data Protection Regulation (GDPR) for EU residents

• Other applicable privacy and data protection laws

16. Contact Information

For questions about this Privacy Policy or our privacy practices, please contact us:

Dhan Kirti Investor Services Private Limited

• Email: info@dhankirti.co.in

• Phone: +91-8595166872

• Registered Address: G-26, G Block, Rana Park Road, D. K. Mohan Garden, New Delhi – 110059

• Corporate Address: UG 14-15, Upper Ground Floor, Westend Mall, Near District Centre, Janak Puri, New Delhi – 110058

• Website: www.dhankirti.co.in

Important Disclaimer: This Privacy Policy is effective as of the date mentioned above. Dhan Kirti Investor Services Private Limited reserves the right to modify this policy at any time. Please review this policy regularly to stay informed about our privacy practices.

Regulatory Information:

• AMFI Registration Number: 315385

• CIN: U6190DL2024PTC432845

• Startup India Certificate No: DIPP192249

• ISO Certification: 20022-1:2013

By using our Website and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.