1. Who this policy applies to
This Privacy Policy explains how Harikrushna Investment (“we”, “us”, “our”), an AMFI Registered Mutual Fund Distributor holding ARN-69388, collects, uses, stores, shares and protects the personal information of visitors to harikrushnainvestment.com and of clients who transact through us. By using this website or sharing your details with us, you consent to the practices described here.
2. Information we collect
We collect only what is needed to respond to you and to complete the transactions you ask us to complete:
- Identity and contact details — name, mobile number, email address, postal address and date of birth.
- Regulatory information — PAN, Aadhaar-based KYC details, bank account details, nominee details, FATCA and CRS declarations, and residential status, where required by the fund house, insurer or registrar.
- Financial information — existing holdings, income range, risk tolerance and goals, where you choose to share them so that we can identify suitable options.
- Website data — IP address, browser type, device type, pages viewed and time spent, collected through cookies and analytics.
We do not knowingly collect information from anyone under 18 years of age, except a minor investor's details submitted by a parent or lawful guardian.
3. How we use your information
- To respond to your enquiry and to contact you about it.
- To complete KYC and to submit applications to asset management companies, insurers, registrars and transfer agents.
- To service your existing holdings — statements, changes, redemptions, renewals and claims.
- To meet our obligations under applicable law, including the Prevention of Money Laundering Act and AMFI and IRDAI requirements.
- To send you service communications and, where you have not opted out, occasional information about products and market developments.
We do not sell, rent or trade your personal information to any third party for marketing purposes.
4. Who we share it with
Your information is shared only where necessary to give effect to your instructions or to comply with law:
- Asset management companies, insurers and issuers whose products you apply for.
- Registrars and transfer agents such as CAMS and KFintech, and KYC Registration Agencies.
- Payment gateways, banks and depositories involved in the transaction.
- Regulators, statutory authorities and courts, where disclosure is required by law.
- Service providers who host our website or systems, under confidentiality obligations.
5. Data security
We apply reasonable technical and organisational safeguards to protect the information we hold, including restricted access, secure storage of physical documents and encrypted transmission where applicable. No method of transmission or storage is completely secure, and while we take care, we cannot guarantee absolute security. You should never share passwords, OTPs or transaction PINs with anyone, including with our staff — we will never ask you for them.
6. How long we keep it
Records relating to transactions and KYC are retained for the period required by applicable law and regulator directions, typically not less than eight years from completion of the transaction or the end of the relationship, whichever is later. Enquiry data from the website that does not result in a relationship is retained for a reasonable period and then deleted.
7. Your rights
- To ask what personal information we hold about you and to obtain a copy of it.
- To have inaccurate information corrected.
- To withdraw consent for marketing communications at any time.
- To request deletion of information we are not legally required to retain.
Write to info@harikrushnainvestment.com to exercise any of these rights. We will respond within a reasonable time.
8. Third-party links
This website links to external sites such as asset management company portals, our analytics portal and regulator websites. Those sites operate under their own privacy policies and we are not responsible for their content or practices.
9. Changes to this policy
We may update this policy from time to time. The revised version will be posted on this page with a new revision date, and continued use of the website will indicate acceptance.
10. Contact
Harikrushna Investment
234, 2nd Floor, Radhhika Optima, Yamuna Chowk, Mota Varachha, Surat, Gujarat – 394101
Phone: +91 98792 80192
Email: info@harikrushnainvestment.com
Related policies
Anything here you would like explained?
Call us and we will walk you through the clause that applies to your case.