Privacy Policy

Shubh Invest ("Shubh Invest", "we", "us", "our") is committed to protecting the privacy of visitors to our website and users of our investment planning, mutual fund, insurance, tax planning and retirement advisory services (collectively, the "Services"). This Privacy Policy explains what personal information we collect, how we use, store, and share it, and the choices and rights available to you. By accessing or using shubhinvest.com, you agree to the terms of this Privacy Policy.

This Policy is published in accordance with the Information Technology Act, 2000 and rules made thereunder, the Digital Personal Data Protection Act, 2023 ("DPDP Act"), and applicable guidelines issued by the Securities and Exchange Board of India (SEBI) and the Association of Mutual Funds in India (AMFI).

1. Information We Collect

a) Information you provide to us

• Name, email address, mobile number, date of birth
• PAN, Aadhaar (masked), KYC and identity/address proof documents, where required for onboarding under SEBI/AMFI/mutual fund KYC norms
• Financial details such as income range, investment goals, risk profile, existing investments, and bank account details (for transaction facilitation only, where applicable)
• Communications you send us — queries, service requests, feedback, or grievances

b) Information collected automatically

• IP address, browser type, device information, operating system
• Pages visited, time spent, referring website, and click behaviour
• Cookies and similar tracking technologies (see Section 5)

c) Information from third parties

• KYC Registration Agencies (KRAs), mutual fund Registrar & Transfer Agents (RTAs), and other regulated intermediaries, where you have used our Services to invest
• Publicly available sources, where relevant to fulfilling our Services

We do not knowingly collect information from anyone under 18 years of age without parental/guardian consent, and our Services are not directed at minors.

2. How We Use Your Information

We use the information collected to:

• Provide investment planning, mutual fund, insurance, tax planning and retirement advisory services
• Complete KYC, onboarding, and regulatory compliance requirements
• Process and facilitate transactions with mutual fund houses, RTAs, and insurance partners
• Respond to enquiries, service requests, and grievances
• Send service updates, market insights, and (with consent, where required) promotional communication
• Improve our website, offerings, and user experience
• Detect and prevent fraud, unauthorised access, and misuse
• Comply with applicable laws, SEBI/AMFI circulars, and regulatory reporting obligations

We do not use your financial data for any purpose beyond what is necessary to deliver the Services or as permitted by law.

3. Legal Basis and Consent

We collect and process your personal data on the basis of:

• Your consent, given at the time of providing information or using the Services
• Performance of a contract with you (e.g., processing an investment or advisory request)
• Compliance with a legal or regulatory obligation (e.g., KYC/AML norms under SEBI/PMLA)

You may withdraw consent for non-essential processing (such as marketing communication) at any time by contacting us (Section 9). Withdrawal of consent will not affect the lawfulness of processing carried out before withdrawal, and may affect our ability to provide certain Services.

4. Sharing and Disclosure of Information

We do not sell your personal information. We may share your information with:

• Regulated intermediaries — mutual fund houses, RTAs (e.g., CAMS/KFintech), insurance companies, and KYC Registration Agencies, strictly to execute your instructions or fulfil KYC requirements
• Service providers — hosting, IT support, payment processing, and communication vendors, bound by confidentiality obligations
• Regulators and authorities — SEBI, AMFI, Income Tax Department, or other government/regulatory bodies, where required by law or upon lawful request
• Professional advisors — auditors or legal counsel, where necessary
• Business transfers — in connection with a merger, acquisition, or sale of assets, subject to equivalent privacy protections

We require all third parties to maintain the confidentiality and security of your data and to use it only for the purposes for which it was shared.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Enable core website functionality
• Understand website traffic and usage patterns (analytics)
• Remember your preferences

You can control or disable cookies through your browser settings. Disabling cookies may affect certain features of the website. We do not use cookies to collect sensitive financial information.

6. Data Storage and Security

• Your information is stored on secure servers located in [India / specify location], with access restricted to authorised personnel only.
• We implement reasonable security practices and procedures, including encryption, access controls, and regular monitoring, in line with the IT Act, 2000 and applicable SEBI/AMFI data security guidelines.
• While we take appropriate measures to protect your data, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
• We retain personal data only for as long as necessary to fulfil the purposes described in this Policy, or as required under SEBI/AMFI/KYC record-retention norms and applicable law.

7. Your Rights

Subject to applicable law (including the DPDP Act, 2023), you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Withdraw consent for processing, where consent is the basis for processing
• Request erasure of your data, subject to our legal and regulatory retention obligations
• Lodge a grievance with our Grievance Officer (Section 9), and thereafter with the Data Protection Board of India, if unresolved

To exercise these rights, please contact us using the details in Section 9. We may need to verify your identity before acting on a request.

8. Third-Party Links

Our website may contain links to third-party websites, including mutual fund houses, insurers, or payment gateways. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party site you visit.

9. Grievance Officer / Contact Us

If you have questions, concerns, or wish to exercise your rights under this Policy, please contact:

We will endeavour to acknowledge and resolve grievances within the timelines prescribed under applicable law.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or regulatory guidance. The updated version will be posted on this page with a revised "Last Updated" date. We encourage you to review this Policy periodically.

11. Disclaimer

Mutual fund investments and other securities investments are subject to market risks. Please read all scheme-related and product-related documents carefully before investing. Shubh Invest does not guarantee returns and shall not be held liable for any investment decision based on information provided through this website.