1. Introduction

Welcome to Fundwealth ("we," "our," or "us"). We are an AMFI Registered Mutual Fund Distributor (ARN-314036). We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website, use our mobile applications (iOS and Android), or utilize our services. It also tells you about your privacy rights and how the law protects you, in compliance with the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, and SEBI/AMFI guidelines.

2. The Data We Collect About You

Personal data, or personal information, means any information about an individual from which that person can be identified. We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: includes first name, last name, username, title, date of birth, gender, PAN card details, Aadhaar details, and KYC status required for mutual fund investments.
• Contact Data: includes billing address, residential address, email address, and telephone numbers.
• Financial Data: includes bank account and payment card details, investment preferences, risk appetite, income bracket, and transaction history.
• Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
• Usage Data: includes information about how you use our website, products, and services.

3. How Is Your Personal Data Collected?

We use different methods to collect data from and about you including through:

• Direct interactions: You may give us your Identity, Contact, and Financial Data by filling in forms or by corresponding with us by post, phone, email, or otherwise. This includes personal data you provide when you create an account, subscribe to our services, or request marketing to be sent to you.
• Automated technologies or interactions: As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions, and patterns. We collect this personal data by using cookies, server logs, and other similar technologies.
• Third parties or publicly available sources: We may receive personal data about you from various third parties and public sources, such as KYC Registration Agencies (KRAs), Asset Management Companies (AMCs), and payment gateways.

4. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• To process your mutual fund applications and transactions with the respective Asset Management Companies (AMCs) and Registrar & Transfer Agents (RTAs) like CAMS or KFintech.
• To manage our relationship with you, including notifying you about changes to our terms or privacy policy.
• To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting, and hosting of data).
• To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you.
• To comply with a legal or regulatory obligation mandated by SEBI, AMFI, or other statutory authorities.

5. Disclosures of Your Personal Data

We may have to share your personal data with the parties set out below for the purposes set out in Section 4 above:

• Asset Management Companies (AMCs) & RTAs: Your data is strictly shared with AMCs and RTAs (CAMS/KFintech) for the purpose of executing and maintaining your mutual fund investments.
• Service Providers: Acting as processors who provide IT and system administration services, including Investwell (our backend platform provider).
• Professional Advisers: Acting as processors or joint controllers including lawyers, bankers, auditors, and insurers who provide consultancy, banking, legal, insurance, and accounting services.
• Regulators: SEBI, AMFI, KRAs, and other authorities who require reporting of processing activities in certain circumstances.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

7. Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. SEBI guidelines may require us to preserve transaction records and KYC documents for a specific statutory period (typically 5 to 8 years) even after you cease to be our client.

8. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:

• Request access to your personal data.
• Request correction of your personal data.
• Request erasure of your personal data (subject to our regulatory obligations to retain data).
• Object to processing of your personal data.
• Request restriction of processing your personal data.
• Right to withdraw consent.

If you wish to exercise any of the rights set out above, please contact us.

9. Third-Party Links

This website may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

10. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact our Grievance Officer at: