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Privacy Policy

Privacy Policy

Welcome to www.finnovate.in (“Website”), which is owned, maintained, and operated by Finnovate Financial Services Private Limited ("FINNOVATE").

FINNOVATE is committed to ensuring that your privacy is protected at all times. This Privacy Policy describes how we handle and deal with personal information that we may collect and retain through various avenues, including but not limited to usage of the various services both in the physical (offline) and online/electronic mode.

Such Personal Information collected by us via the physical (offline) and online/electronic mode may be converted and stored in an electronic form at our sole discretion for the purposes mentioned hereunder. This Privacy Policy shall be read with and subject to the terms and conditions notified elsewhere on the Website.

For the purposes of this policy, “personal information" means any information that can be used to identify you personally.

What We May Collect:

In order to use the app or website, you may be required to register yourself by providing the following information, which includes but is not limited to:

  • Name, Phone number, Email address
  • Date of Birth, PAN, Bank account details
  • Other details and documents as required to complete your KYC
  • Passwords to access Services Online

FINNOVATE’s Offer:

  • To offer and assist in goal-based planning in line with your current financial status and future financial goals.
  • To offer and recommend Mutual Funds schemes based on research, quantitative and qualitative, and without any bias towards the commission/incentive offered by such schemes.
  • To facilitate financial and non-financial transactions of various AMCs, as per users' instructions.
  • To provide tracking facility of transactions done through FINNOVATE by maintaining records of various personal and financial transaction data and portfolio.
  • Promptly and efficiently respond to your queries relating to the use of Services.

We also collect technical data about your interaction with the Services. We collect data about your interaction with our website, such as pages visited and average time spent on the website, your internet protocol address, the unique identifier of your device, and device information such as operating system, operating system version, browser plug-ins, crash reports, system activity, hardware settings, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application.

Additionally, we may obtain Personal Information from third parties, or through call recordings at our call centers, internet technology, including our Website.

Information shall also be collected from vendors/partners and/or any other service providers for maintenance of our records and for processing your transactions.

Use of Personal Information:

The collection of some Personal Information is obligatory pursuant to regulatory requirements of “Know Your Customer” (KYC) in order to activate and enable requests for financial and non-financial mutual fund transactions and the related services that we provide. Such KYC information shall be used/shared/maintained/accessed/stored with/by third-party technology service providers/AMCs/RTAs/authorized service providers in order to enable/facilitate/complete/process online transactions and report/statement generation.

Apart from KYC requirements, we use and disclose your Personal Information as follows:

  • To fulfill/complete your requests for products and services offered, or subscribed or availed by you on the Website/Web Application.
  • To deliver to you any information, alerts, and communications relevant to your use of the services.
  • Comply with regulations to prevent fraud, money laundering, or any other criminal activity.
  • To comply with orders of the Court, any applicable law, or any statutory or legal requirements or process.
  • To analyze Website/Web Application usage, improve features and services offered, and tailor the Website/Web Application to your interests.
  • For market research, troubleshooting problems, detecting and protecting against error, fraud, hacking, or other criminal activity.

For any of these purposes, we may use group companies/affiliates, third-party vendors, agents, contractors, consultants, or service providers (individually a 'Third Party Service Provider' and collectively, the 'Third Party Service Providers'). Such Third Party Service Providers are bound by privacy restrictions which are similar to the restrictions mentioned in this Privacy Policy.

Sharing and Disclosure of Personal Information:

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 or enforce our legal rights.

Promotional Communication and Marketing Activities:

We would provide you with periodic summaries of your Account Information and send notifications/email/SMS alerts.

The Website/Web Application also allows you to subscribe to email newsletters, research information, and from time to time may transmit emails/SMS promoting the Website/Web Application or third-party products or services. You will be free to unsubscribe from our mailing list at any time if you do not wish to receive such emails from us. Opting out in this manner will not end the transmission of service-related emails/SMS—such as transactional alerts and messages.

From time to time, the Mobile App/Website may offer you the opportunity to participate in promotions, surveys, contests, giveaways, and other marketing events. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for those events, surveys, contests, giveaways, or promotions.

Third-Party Services and Websites:

FINNOVATE may permit third parties to offer subscription and/or registration-based services through the Website. We are not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third parties when providing personally identifiable information. Further, FINNOVATE will not be responsible if you do not get the benefits announced, if any, by the third parties permitted to offer subscription and registration-based services or offers/deals/cashback/discounts offered by third parties or as available on its Website.

Blogs and Other Forums on the Website:

If you use a bulletin board, blog, or chat room on the Website, you should be aware that any information you submit there can be read and collected or used by other users/visitors and could be used to send you unsolicited messages. We are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website or by our Third Party Service Providers on our behalf.

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.

Use of Cookies:

When you visit our Website, we use cookies (both session and persistent), which are small pieces of information that allow us to implement certain features. The Website may use cookies for detecting what kind of device you have in order to present content in the best way, for a language switch, and/or for other purposes. These cookies do not collect or store any Personal Information, and you can refuse the use of cookies, but this may limit your use of certain services.

All such incidental information will be used only to assist us in providing an effective service on this Website. We may from time to time supply this information to the owners or operators of third-party websites from which it is possible to link to our Website with information relating to the number of users linking to our Site from such third-party websites. You will not be identified from this information.

Data Security:

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure the information that we collect online.

FINNOVATE follows industry best practices, using open and known principles when transferring and storing your data.

Changes to This Privacy Policy:

We update this Privacy Policy periodically. We will notify you of any changes to this Privacy Policy. If you do not agree with the terms of this Privacy Policy or any changes made to this Policy, please cease using all Services immediately and write to us at hello@finnovate.in.

FINNOVATE follows industry best practices, using open and known principles when transferring and storing your data.