PRIVACY POLICY
This privacy policy sets out how Manish Aggarwal uses and protects any information that you share when you use this website. Manish Aggarwal is committed to ensuring that your privacy is protected at all times. We should ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.
Privacy Policy Changes
Manish Aggarwal may change this policy from time to time by updating this page. We reserve the right to review and update this policy as necessary, and such changes may occur at any time. The most current and up-to-date version of this policy can be found at this page. Although we will make reasonable efforts to inform you of any changes to this privacy policy, we suggest that you periodically review this policy to stay informed of any updates. This Privacy Policy applies equally to MANISH AGGARWAL's desktop Web Portal, mobile application, and mobile WAP site.
Manish Aggarwal understands that our relationship is strongly built on trust and faith. In Course of using information on this website or availing the services, Manish Aggarwal may become privy to the personal information of its customer including information that is of confidential nature. Manish Aggarwal is strictly committed to protecting the privacy of its Customer and has taken reasonable measures to protect the confidentiality of the customer information and its transmission through World Wide Web. However it shall not be liable in any manner for disclosure of the confidential information in accordance with this Privacy Commitment or in terms of the agreement if any with the Customer or by reasons beyond its control. We may however be required to disclose your personal information to Government, Judicial bodies, and our Regulators or to any person to whom we are under an obligation to make disclosure under the requirements of any law binding on us, if required.
Hyperlink Policy for user
Any hyperlink to other Internet sites is at customer’s own risk. The contents of which and the accuracy of opinions expressed are not verified, monitored or endorsed by Manish Aggarwal, in any way or manner. Manish Aggarwal is not responsible for the setup of any hyperlink from a third party website to Manish Aggarwal.
What we collect
We may collect the following information:
Name and contact details.
Personal information, including date of birth, and Permanent Account Number (PAN).
Demographic information such as gender and income.
Other information that can help us improve our services.
What we do with the information we gather
To conduct Know-Your-Customer registration as required by SEBI and/or other regulatory bodies.
To perform compliance checks and keep/maintain internal records.
To use the information to improve our products and services.
To periodically send emails to your registered email address about your investments, or other information which we think you may find interesting.
You will be free to unsubscribe from our mailing list at any time if you do not wish to receive such emails from us. From time-to-time, we may also use your information to contact you via phone or email for market research purposes.
We will not sell, distribute or lease your personal information to third parties unless we are required to share such information under the terms and conditions of the products and services you avail, or we are required to do so by law.
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
If you believe that any of your information with us is incorrect or incomplete, please email us as soon as possible at info@manishaggarwal51.com. We will promptly correct any information found to be incorrect.
Security certificates
Manish Aggarwal is an online financial services provider. We fully recognise and understand the security implications of being a service provider with whom people trust their money. There are many safeguards we adopt in this regard – some of these are technical, and some are structural.
When it comes to data security, our goal is to ensure that:
Your data is stored safely and securely – passwords are one-way encrypted before being stored in the database for high security.
All communication with you, or with mutual fund companies and other service providers – are encrypted using the highest standards.
Your data is not shared with anyone, unless you have explicitly requested us to do so to fulfil a transaction request.
To ensure that we achieve these goals, we have a variety of certifications/trust verifications in place for our firm, both from technical and legal/operational perspectives. All our communications are encrypted by 256-bit encryption, and our data is hosted with top-tier hosting service providers. Also, our data is continuously backed up to ensure continuity of operations.
MANISH AGGARWAL a financial company having registered office at 3070/28, Bhajan Ka Bagh, Bharawas Road, Near Everest Cinema Hall, Rewari - 123401 , referred to as "Company," owns and operates the web platform https://manishaggarwal51.my-portfolio.co.in and the mobile application MANISH AGGARWAL (collectively referred to as the "Web/App Platform"). When you use the Platform or obtain services through it, you are referred to as "You" or "Your." The Company, along with its group companies, affiliates, and subsidiary companies, is committed to safeguarding Your privacy and the information You share while using and operating the Platform. We maintain the highest security standards to secure Your information and transactions.
Our technology partner companies, affiliates, and subsidiary companies such as Excel Net Solutions Pvt Ltd may manage the Platform under the applicable https://manishaggarwal51.my-portfolio.co.in specified on the Platform from time to time.
This Privacy Policy outlines how the Company collects, receives, stores, processes, discloses, transfers, and handles personal data and other information. This Privacy Policy does not apply to information that You provide to or that is collected by any third-party (excluding the group companies, affiliates, and subsidiary companies) through the Platform, and any Third-Party Sites that You access or use in connection with the services offered on the Platform.
Before using or registering on the Platform or accessing/availing of the services made available on the Platform, in relation to mutual fund distribution, stockbroking services, investment advisory services, and KRA/KYC verification ("Services"), please read the Privacy Policy carefully.
By visiting the Platform, You accept and agree to be bound by the terms and conditions of this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform, which should be read harmoniously and in conjunction with the Privacy Policy.
Our Commitment
We gather and create a variety of data points related to you, with the information that identifies you referred to as "Personal Data." However, this term commitment does not include information that is publicly available or easily accessible. We place great importance on your privacy and are dedicated to safeguarding your Personal Data as a crucial part of our commitment to you.
1. Pre-registration
To access all sections and features of MANISH AGGARWAL App/Portal, registration or disclosure of personal information is required. Upon downloading and installing the app, anonymous visitor data such as usage patterns are collected by us. This data is combined with data from other visitors and used to gain insights and monitor usage of the app only in the areas where our services are currently offered.
2. Registration
In order to use the MANISH AGGARWAL application, you will need to create a registration account and provide a set of Login Credentials comprising a Username and Password.
3. Investment
In order to avail our investment services and begin investing, you will need to furnish us with some more information, including but not limited to:
Contact information like your name, father's name, age, email address, etc.
Demographic data like your mailing address, pin code, etc.
Bank account details with which you intend to invest.
Any other documentation required under KYC regulations, such as PAN card details, Aadhar Number, etc.
Together, this information is referred to as your "Registration Information".
In order to confirm that the bank account belongs to you, we will require photographic proof of your bank account such as an image of the first page of the passbook or any cancelled cheque.
If you wish to monitor your investments made outside of MANISH AGGARWAL, we will need your Email Id registered with the mutual fund folios. This Email Id will be used to generate and send your mutual fund account statements to your inbox.
In order to provide you with seamless access to your investment information, our systems automatically read your email with the subject "CONSOLIDATED ACCOUNT STATEMENT - CAMS/KARVY Mail back Request". This information is then displayed on the app for you to track. Please note that we only read and open emails with this specific subject and assure you that we do not access any other emails. However, if you prefer not to share your mutual fund registered email with us, you can manually upload your investment-related information on our application to access our services and keep track of your investments made outside our platform.
We adhere to the provisions of relevant laws in India, such as the Information Technology Act 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, to safeguard the confidentiality of your Personal Data.
MANISH AGGARWAL is a registered Investment Advisor and serves as an intermediary for providing Investment Advisory and Investment Execution services. To facilitate this, we are required to complete your KYC (know your clients) as per the regulations set by the government and other legal agencies. In this process, your information may be shared, verified, or updated with the respective regulatory agencies in accordance with the applicable regulations at that time. Additionally, for executing investments, your information may be provided to Asset Management Companies, Registrar and Transfer Agents, KYC Registration Agencies, and the Central KYC Registry in compliance with the regulations. Please note that any information shared with such third-party service providers/agencies will be subject to their respective terms and conditions and privacy policies/privacy.
Personal Data
The Personal Data we may collect from you includes:
Personal details like name, contact details, residential address, date of birth, identity card/passport/Aadhaar/PAN/Voter ID/driving license, and educational details that you provide us to avail various services.
Your transaction history, balances, and payment details to facilitate transfer of money through payment channels provided by National Stock Exchange Mutual Fund Platform/Bharat Stock Exchange Star Mutual Fund Platform/MFU.
Financial details such as income, bank accounts, mandates may be required to place orders on BSE/NSE/MFU.
Images of documents/photos to provide our products/services.
Employment details like occupation, positions held, employment history, salary, and benefits may also be collected for record retention purposes or as required under applicable law including Prevention of Money Laundering (Maintenance of Records) Rules, 2005.
Your specimen signature or consent to process your instructions received through our payment and delivery channels.
Your opinions provided by way of feedback or responses to surveys or risk profilers, and information obtained from your mobile device like device location, device information (including storage, model, OS version), app notifications, etc., may also be collected.
You hereby agree that we may fetch or update your personal details from government agencies or regulated authorities like KYC Registration Agency's, Central Registry of Securitisation Asset Reconstruction and Security Interest, Asset Management Company's, Registrar and Transfer Agency's, etc.
Storage of Personal Data
Your Personal Data is stored and processed exclusively within India by us. Our data center and systems are equipped with backup and disaster recovery mechanisms located in India.
Sharing of Your Personal Data
We are committed to protecting the privacy of your Personal Data and will not share it without your consent. We may explicitly seek your consent to use or share your Personal Data in various processes, applications, or product offerings. In our business and operational processes, we share data only on a partial and "need-to-know" basis with designated personnel, partners, or service providers. However, we may share your data with competent legal, statutory, regulatory agencies, authorities, partners, or service providers acting on our behalf in the following cases:
Only to enable the delivery of the products or provision of the services that you have availed of, strictly on a "need-to-know" basis and subject to applicable laws.
When it is directed or required by legal, regulatory, statutory, or governmental authorities under applicable laws or regulations through a legally obligated request.
When it is required by financial institutions to verify, mitigate, or prevent fraud or to manage risk or recover funds in accordance with applicable laws or regulations.
When investing through the MANISH AGGARWAL Platform & App, which acts as an intermediary, you also become a customer of the Asset Management Companies (AMCs). Your personal and investment information may be accessible to the AMCs, Registrar and Transfer Agents (RTAs), and their service providers. Please note that MANISH AGGARWAL does not have any authority over how they use this information.
Usage of Your Personal Data
We may utilize your Personal Data in our business operations to provide our or our partners’ products or services, subject to applicable laws. This includes the following actions:
Facilitating transactions or reporting on them .
Conducting research and analytics to offer or improve our services' security and quality .
Processing your requests for products/services or any instructions/requests received from you .
Sharing updates with you regarding changes to the products/services and their terms and conditions .
Investigating any complaints/claims/disputes .
Responding to your queries or feedback .
Verifying your identity to provide products/services to you .
Conducting credit checks, screenings or due diligence checks as required by law .
Monitoring and reviewing services from time to time .
Conducting financial/regulatory/management reporting and maintaining various risk management models .
Conducting audits and keeping records .
Offering selective promotions and deals .
Additionally, we use your Personal Data to comply with applicable laws/regulations and/or court orders/regulatory directives received by us.
Purging of Your Personal Data
You have the option to deactivate or delete your MANISH AGGARWAL account at any time by submitting a verification request to MANISH AGGARWAL through its desktop web portal, mobile WAP site, or mobile application, subject to the applicable terms and conditions. Once your account is deactivated or deleted, we will no longer share your data. You can refer to the guidelines given at How to delete your account? However, we will retain your Personal Data for as long as necessary for the purposes for which it was collected, after which it will be disposed of by us, except for any record retention required by applicable laws, including the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013.
Under the PMLA guidelines and Securities and Exchange Board of India (Investment Advisers) Regulations, 2013, transaction logs must be retained for up to five years after account deletion. In the event of any pending legal or regulatory proceedings or receipt of a legal or regulatory directive to retain your Personal Data for a longer period, we may be required to comply with the law and retain your data for an extended period.
Cookie Policy
Kindly be informed that a "cookie" is a tiny bit of data that is saved by a web server onto a web browser, which can be later retrieved from that browser. Depending on the features offered.
We may use cookie and tracking technology. Although no Personal Data will be collected via cookies and other tracking technology, if you previously provided Personal Data, cookies may be linked to such information.
Security Practice & Procedures
We employ various measures and protocols to safeguard your Personal Data from unauthorised access, modification, loss, or disclosure, and prevent its misuse. Our systems utilize the latest encryption technology and access controls to ensure security. Our safety and security procedures are regularly assessed by third-party cybersecurity auditors.
To further protect your account, we have implemented multiple security features, such as the option to log in and log out of the app and enable the AppLock feature. Additionally, we enforce device binding to prevent unauthorised access to your account from different devices without additional authentication or OTP. We strongly advise you not to share your MANISH AGGARWAL login, password, and OTP details with anyone.