Privacy Policy

The domain name www.anandrathiwealth.in is owned by Anand Rathi Wealth Limited, a company incorporated under the Companies Act, 1956, having its registered office at Floor no 2, Block B & C, E Wing, Trade Link, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra – 400013, India (hereinafter referred to as "ANAND RATHI").

At ANAND RATHI, we respect the privacy of all individuals visiting our website and are committed to protecting their personal information. This Privacy Policy applies to all visitors to our website, including those interacting with subsidiaries of ANAND RATHI.

By accessing and using this website, you acknowledge and consent to the terms outlined in this Privacy Policy. If you do not agree to the use, processing, or transfer of your information as described herein, please refrain from sharing your details on this website.

Definitions

You / User: Refers to any individual or legal entity, including online and offline clients, accessing this website.

We / Us / Our: Refers to Anand Rathi Wealth Limited.

Information We Collect

Personal Information Provided by You

• Identification Details: Name, gender, residential or correspondence address, telephone number, date of birth, marital status, email address, etc.
• Verification Details: PAN, KYC status, signature, and photograph.
• Banking Information: Bank account details or payment instrument details.
• Other Information: Any additional details required for rendering services.

Information Collected During Correspondence

• Transaction Data: Financial SMS notifications for credit risk assessment (no access to other SMS data).
• Media: Uploaded documents for user account management or transaction placement.
• Device Information: Operating system, device ID, mobile network details, and interaction data.
• Contacts: Name and phone number selected for reference during the loan process (contact lists are not uploaded).

Automatically Collected Log Information

• Browser type, operating system, ISP details, visit date and time, and pages accessed.

Purpose of Information Collection

We collect, retain, and use information for the following purposes:

• Providing requested services and processing financial or non-financial transactions
• Enhancing offerings through research and analytics
• Processing applications for financial services
• Sharing service updates and changes
• Investigating complaints or disputes
• Responding to user queries and feedback
• Verifying identity and fulfilling legal or regulatory obligations

Disclosure of Information

Your information may be shared with:

• Regulatory bodies such as RBI, SEBI, and KYC Registration Agencies
• Business entities involved in mergers, reorganisations, or restructuring
• Judicial or regulatory authorities, auditors, and third-party service providers

We do not publish sensitive data or disclose information without user consent, except where disclosure is required by law.

Retention Policy

Information is retained only for as long as necessary to fulfil the purposes outlined in this policy or as required under applicable laws.

Upon termination of engagement, user data is securely deleted in accordance with applicable privacy regulations.

Security Practices

We employ commercially reasonable security measures, including encryption, physical safeguards, and periodic reviews of our data-handling practices, to protect your information. However, as with any internet-based system, absolute security cannot be guaranteed.

Your Rights & Data Deletion Policy

Access and Updates

You may request access to, and correction of, your personal information. Any inaccuracies will be corrected wherever feasible.

Withdrawal of Consent

You may withdraw your consent for data usage at any time by contacting us. Please note that such withdrawal may limit the availability of certain services.

Account Deletion Process

If you wish to delete your account or the account of a family member, you may follow the steps below:

1. Navigate to the Profile section of the application
2. Select the Family option to view linked accounts
3. Choose the specific family member's account
4. Select Delete Account to permanently remove the account

Important Notes

• Once deleted, all associated data will be permanently removed and cannot be recovered
• Certain data may be retained for a limited period to comply with legal obligations, resolve disputes, or enforce agreements, in accordance with applicable laws
• For assistance, please contact Appsupport@rathi.com

By proceeding with account deletion, you acknowledge that the data will be irreversibly removed in accordance with this policy.

Third-Party Links

This website may contain links to third-party websites. ANAND RATHI is not responsible for the privacy practices or content of such websites. Users are encouraged to review the privacy policies of those websites before sharing any information.

Policy Updates

This Privacy Policy may be updated periodically. Any changes will be posted on the website and will take effect immediately upon posting. Please review this policy regularly to stay informed.

Grievance Redressal

For grievances or discrepancies relating to your data, please contact the Grievance Officer at clientredressal@rathi.com