Privacy Policy

This Privacy Policy applies to InvestNashik.in, a website operated by Govinda Wealth Solutions, represented by Ravindra Pansare, an AMFI-registered Mutual Fund Distributor (ARN-274308 | EUIN-E516497), with office at Raygad Complex, Near Bus Stop, Thangaon, Sinnar, Nashik – 422103, Maharashtra, India. This policy governs how personal and technical information is collected, used, and protected when you access our website or avail our services.

By accessing our website or submitting your information through any contact form or inquiry channel, you acknowledge and consent to the data practices described in this Privacy Policy. This policy is prepared in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and all other applicable Indian laws and regulations including guidelines issued by SEBI and AMFI.

Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results. Govinda Wealth Solutions is a distributor of mutual funds, not an investment adviser.

1. Information We Collect

We collect only the information that is necessary to provide our services. Information is collected when you voluntarily submit it through our website's contact form, inquiry channels, or during the course of availing our mutual fund distribution services.

a) Personal Data — Information that identifies you as an individual:

• Full name, date of birth, and gender
• Mobile number and email address
• Residential address (city, district, state)

b) Financial Information — Collected only when voluntarily provided for KYC or investment processing:

• PAN Card number (mandatory for mutual fund transactions as per SEBI/AMFI norms)
• Aadhaar number (only when required for regulatory KYC compliance)
• Bank account details (only when required for investment processing)
• Income range or investment-related information (provided voluntarily)

c) Technical Data — Automatically collected when you visit our website:

• IP address and browser type
• Device type, operating system, and screen resolution
• Pages visited, time spent, and referral source (via cookies and analytics tools)
• Date and time of website access

We do not collect sensitive personal data beyond what is required for lawful financial services and regulatory compliance.

2. How We Use Your Information

The information collected is used solely for the following lawful purposes related to communication and service delivery. We do not use your data for any commercial profiling, targeted advertising, or unsolicited marketing:

• To respond to inquiries submitted through the website contact form or other channels
• To provide information about mutual fund schemes, SIP options, or other financial services relevant to your query
• To process KYC (Know Your Customer) documentation as required by SEBI and AMFI regulations for mutual fund transactions
• To facilitate and manage investment transactions via registered Asset Management Companies (AMCs)
• To send service-related communications such as transaction confirmations, portfolio updates, or regulatory notices
• To comply with legal obligations under SEBI, AMFI, the IT Act 2000, and other applicable Indian laws
• To maintain records as required under regulatory guidelines applicable to AMFI-registered distributors

Your data is used only for communication and service support. We do not use your personal or financial information for any purpose beyond what is stated above without your explicit consent.

3. Data Sharing and Disclosure

Your personal data is not sold, rented, or traded to any third party under any circumstances. We do not engage in any commercial sharing of your information for marketing, advertising, or any unrelated purpose.

Your information may be shared only in the following limited and necessary situations:

• Asset Management Companies (AMCs): When you initiate a mutual fund investment, your KYC details are shared with the relevant AMC as required for processing the transaction.
• Regulatory and Government Bodies: Data may be disclosed to SEBI, AMFI, CAMS, KFintech, Income Tax Department, or other statutory authorities if required by law, court order, or regulatory directive.
• Service and Technology Partners: Third-party service providers who assist in website maintenance or communication services may have limited access to technical data, strictly under confidentiality obligations and for no other purpose.

All third-party sharing is conducted in accordance with applicable Indian laws, including the IT Act 2000 and SEBI/AMFI regulations. We take reasonable contractual and technical measures to ensure that any data shared with authorised parties is treated with the same level of confidentiality.

4. Cookie Policy

Our website uses cookies — small text files stored on your device — to improve website functionality and user experience. Cookies do not contain personally identifiable information and cannot execute programs or deliver software on your device.

We use the following types of cookies:

• Essential Cookies: Required for the basic functioning of the website, such as maintaining session continuity during your visit.
• Analytics Cookies: Used to understand how visitors interact with the website (e.g., pages visited, time spent, referral source). This data is aggregated and does not identify individuals. We may use tools such as Google Analytics for this purpose.
• Preference Cookies: Used to remember your browsing preferences to improve your experience on subsequent visits.

You may disable cookies at any time through your browser settings. Please note that disabling certain cookies may affect the functionality of some features of this website. By continuing to use our website without changing your cookie settings, you consent to the use of cookies as described above.

5. Data Retention and Security

We retain personal and financial data only for as long as necessary to fulfil the purpose for which it was collected, or as required by applicable law and regulatory guidelines (including SEBI and AMFI record-keeping requirements). Once data is no longer required, it is securely deleted or anonymised.

We implement reasonable technical and organisational security measures to protect your information from unauthorised access, alteration, disclosure, or destruction. These measures are consistent with the requirements under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. However, no method of electronic transmission or storage is fully secure, and we cannot guarantee absolute security.

6. Your Rights

As a user and data subject under Indian law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw your consent for data processing (where processing is based on consent), subject to applicable regulatory obligations
• Request deletion of your personal data, where permitted by law and where retention is not required for regulatory compliance

To exercise any of these rights, please contact us using the details provided in the Contact section below. We will respond to all legitimate requests within a reasonable time.

7. Regulatory Compliance

This Privacy Policy is prepared in accordance with the following applicable laws and regulatory frameworks in India:

• Information Technology Act, 2000 and the IT (Amendment) Act, 2008
• IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• SEBI (Securities and Exchange Board of India) regulations applicable to mutual fund distribution
• AMFI (Association of Mutual Funds in India) code of conduct for registered distributors
• Prevention of Money Laundering Act, 2002 (PMLA) — for KYC and record-keeping obligations

Govinda Wealth Solutions operates under AMFI Registration Number ARN-274308 and EUIN E516497, issued to Ravindra Pansare. All data handling practices are in conformity with the compliance obligations arising from this registration.

8. Jurisdiction and Governing Law

This Privacy Policy is governed by the laws of the Republic of India. Any dispute arising out of or in connection with this Privacy Policy or the use of our website shall be subject to the exclusive jurisdiction of the courts located in Nashik, Maharashtra, India.

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices or applicable legal requirements. The revised policy will be published on this page with an updated "Last Updated" date. Continued use of our website after any such changes constitutes your acceptance of the revised policy.