Privacy policy

This notice explains what personal data Bhavya Sampada ("we", "us") collects when you use bhavyasampada.com or contact us, why we collect it, and the choices you have. It is written to meet the Digital Personal Data Protection Act, 2023 and the rules of SEBI, AMFI and IRDAI that apply to us as a mutual fund distributor and insurance intermediary.

What we collect

• When you book a review: your name, mobile number, email, city, what you want to discuss, and how you'd like to meet.
• When you become a client: the details needed to open and service investments, insurance and loans: PAN, Aadhaar where the law requires it, bank details, date of birth, nominee details, income and existing holdings, and KYC documents.
• When you subscribe: your email address.
• When you browse: device and usage data through cookies and analytics (see below). We do not use this to identify you.

Why we use it

• To call you back and run your free review.
• To prepare your written plan and carry it out: placing mutual fund transactions, insurance proposals and loan applications with the providers you choose.
• To meet legal duties: KYC, anti-money-laundering checks, record-keeping required by SEBI, AMFI, IRDAI and the lenders we work with.
• To send you your plan reviews, statements, renewal reminders and, if you've opted in, our newsletter.
• To improve the website.

Consent and your choices

We ask for your consent on each form before collecting your data, and we tell you what it is for. You can withdraw consent at any time by writing to the grievance officer below; we will stop using your data for that purpose, except where the law requires us to keep it. Withdrawing consent does not affect processing already done.

Who we share it with

• Product providers, only when you ask us to act: asset management companies and their registrar (CAMS, KFintech), the mutual fund platform we transact through, insurers, and lenders.
• Service providers who run parts of the website and our office systems under contract: hosting (Netlify), email, analytics, and the CRM we use to manage reviews. They may process data only on our instructions.
• Regulators and authorities when the law requires.

How long we keep it

Enquiry details for [12 months] after your last contact if you don't become a client. Client records for as long as you remain a client and for the period after that required by SEBI, AMFI, IRDAI and tax law (typically 8 years). Newsletter emails until you unsubscribe.

Cookies and analytics

The site uses strictly necessary cookies to work, and, only if you accept the banner, Google Analytics cookies to understand which pages are read. You can change your choice any time from the "Cookie settings" link in the footer. Embedded YouTube videos and Google reviews set their own cookies when you interact with them; their policies apply.

Your rights

• Know what personal data we hold about you and how we use it.
• Have inaccurate data corrected and incomplete data completed.
• Have your data erased when it is no longer needed for the purpose or required by law.
• Withdraw consent.
• Nominate someone to exercise these rights for you if you are unable to.
• Complain to the Data Protection Board of India if we don't resolve your grievance.

Write to the grievance officer below. We respond within [7] working days and resolve within the period the law allows.

Security

Data is transmitted over HTTPS, stored with access limited to the people who need it, and backed up. Provider platforms we use are themselves regulated. No system is perfectly secure; if a breach affects you, we will tell you and the Data Protection Board as the law requires.

Grievance officer

Changes

We will post any change here and update the date at the top. If a change affects how we use data you've already given us, we will ask for your consent again.