Anand Rathi Data Privacy Policy

Privacy Policy

The domain name www.anandrathiwealth.in is owned by AnandRathi Wealth Limited. a company incorporated under the Companies Act, 2013, with its registered office at Floor No 2nd & 3rd, Block B & C, E,Wing, Trade Link, Kamala Mills Compound,SenapatiBapat Marg, Lower Parel.Mumbai, Maharashtra India, 400013(hereinafter referred to as "ANADRATHI").

At ANANDRATHI, we respect the privacy of all individuals visiting our Website and are committed to protecting their personal information. This Privacy Policy applies to all visitors of our Website, including subsidiaries of ANANDRATHI..

By accessing and using this Website, you acknowledge and consent to the terms outlined in this Privacy Policy. If you do not agree to the use, processing, or transfer of your information, please refrain from sharing your details on this Website.

Definitions

  • You/User: Refers to any individual or legal entity, including online and offline clients, accessing this Website.
  • We/Us/Our: Refers to AnandRathi Wealth Limited.

Information We Collect

1. Personal Information Provided by You:

  • Identification Details: Name, gender, residential/correspondence address, telephone number, date of birth, marital status, email address, etc.
  • Verification Details: PAN, KYC status, signature, and photograph.
  • Banking Information: Bank account details or payment instrument details.Any other details required for rendering services.

2. Information Collected During Correspondence:

  • Transaction Data: Financial SMS notifications for credit risk assessment (no access to other SMS data).
  • Media: Uploaded documents for user account management or transaction placement.
  • Device Information: Operating system, device ID, mobile network, and interaction data.
  • Contacts: Name and phone number selected for reference during the loan process (contact lists are not uploaded).

3. Automatically Collected Log Information:

  • Browser type, operating system, ISP details, visit date/time, and pages accessed.

Purpose of Information Collection

We collect, retain, and use information for the following purposes:

  • Providing requested services and processing financial/non-financial transactions.
  • Enhancing our offerings through research and analytics.
  • Processing applications for financial services.
  • Sharing updates and service changes.
  • Investigating complaints or disputes.
  • Responding to user queries and feedback.
  • Verifying identity and fulfilling legal obligations.

Disclosure of Information

Your information may be shared with the following entities:

  • Regulatory bodies like RBI, SEBI, and KYC Registration Agencies.
  • Business entities involved in reorganizations, mergers, or restructuring.
  • Judicial or regulatory authorities, auditors, and third-party service providers.

We do not publish sensitive data or disclose information without user consent, except as required by law.

Retention Policy

Information is retained only for the duration necessary to fulfill the purposes outlined or as required by applicable laws.

Upon termination of engagement, user data is securely deleted following privacy regulations.

Security Practices

We employ commercially reasonable security measures, including encryption, physical safeguards, and regular reviews of our data handling practices, to protect your information. However, as with any internet-linked network, we cannot guarantee absolute security.

Your Rights & Data Deletion Policy

  • Access and Updates: You may request to review and update your personal information. Inaccurate data will be corrected wherever feasible.
  • Consent Withdrawal: You can withdraw consent for data usage at any time by contacting us. Note that withdrawal may limit service availability.

We value your right to control your personal information. If you wish to delete your account or the account of a family member, you can do so through the following process:

  1. Go to Profile: Open the app and navigate to the Profile section.
  2. Select Family: Select the Family option to view all linked accounts.
  3. Select Member: Choose the specific family member's account you wish to delete.
  4. Delete Account: Use the Delete Account option to permanently remove the selected account.

Important Notes:

  • Once an account is deleted, all associated data will be permanently removed from our systems and cannot be recovered.
  • Some data may be retained for a limited period to comply with legal obligations, resolve disputes, or enforce our agreements, in line with applicable laws.

If you encounter any issues during this process, please contact our support team at Appsupport@rathi.com !

By proceeding with account deletion, you acknowledge that the data will be irreversibly removed as per this policy

Third-Party Links

Our Website may contain links to third-party websites. ANANDRATHI is not responsible for the privacy practices or content of such websites. We encourage you to review their privacy policies before sharing information.

Policy Updates

This Privacy Policy may be updated periodically. Changes will be posted on the Website and will take effect upon posting. Please visit Privacy Policy regularly to stay informed.

Grievance Redressal

For grievances or discrepancies related to your data, please contact our Grievance Officer by emailing clientredressal@rathi.com