9326651528

Privacy Policy & Terms and Conditions

FinEthics Financial Services Private Limited

PRIVACY POLICY & TERMS AND CONDITIONS

FinEthics Financial Services Private Limited
AMFI Registration Number (ARN): ARN-174493
GSTIN: 27AAECF0805H1ZY
Website: www.finethics.in
Email: info@finethics.in
Registered Office:
Mital Apartment, 201, Plot No. 37, Sector 44, Seawoods, Navi Mumbai, Maharashtra – 400706, India.
Date of Incorporation: 27 May 2020
Effective Date of Privacy Policy: 27 May 2020
Last Updated: 18 July 2026

1. Introduction

FinEthics Financial Services Private Limited, hereinafter referred to as “FinEthics,” “Company,” “we,” “us,” or “our,” respects the privacy of its investors, prospective investors, clients, website visitors and other individuals who interact with us.

This Privacy Policy explains how we collect, use, process, store, disclose and protect personal data when you:

  • Visit or use our website, www.finethics.in;
  • Contact us through email, telephone, WhatsApp, website forms or other communication channels;
  • Seek information regarding mutual funds or other financial products;
  • Register with us as an investor or prospective investor;
  • Submit documents for KYC, FATCA, CRS, transaction processing or regulatory compliance;
  • Invest in, redeem, switch or otherwise transact in mutual fund schemes through us; or
  • Use any service offered by FinEthics.

By providing your personal data or using our website and services, you acknowledge that you have read and understood this Privacy Policy.

2. Nature of Our Services

FinEthics is an AMFI-registered mutual fund distributor bearing ARN-174493.

We facilitate mutual fund-related services, including investor onboarding, KYC assistance, transaction facilitation, portfolio reporting, investment servicing and communication relating to mutual fund products.

Mutual fund investments are subject to market risks. Investors should read all scheme-related documents carefully before investing.

3. Personal Data We May Collect

Depending on the nature of your interaction with us, we may collect the following categories of personal data.

3.1 Identification and Contact Information

  • Full name;
  • Residential and correspondence address;
  • Email address;
  • Mobile and telephone number;
  • Date of birth;
  • Gender;
  • Signature;
  • Photograph; and
  • Nationality and residential status.

3.2 KYC and Regulatory Information

  • Permanent Account Number, or PAN;
  • Aadhaar-related information, where lawfully required and permitted;
  • KYC status and KYC documents;
  • Central KYC Registry details;
  • FATCA and Common Reporting Standard declarations;
  • Tax residency information;
  • Occupation and income category;
  • Politically Exposed Person status;
  • Nominee and guardian information;
  • Proof of identity and proof of address; and
  • Other information required under applicable laws or regulatory requirements.

We will not ask you to disclose passwords, PINs, OTPs, internet-banking credentials or other confidential account-access credentials.

3.3 Financial and Transaction Information

  • Bank account details;
  • Cancelled cheque or bank proof;
  • Investment amount;
  • Mutual fund folio numbers;
  • Scheme names;
  • SIP, STP and SWP details;
  • Purchase, redemption and switch transactions;
  • Portfolio holdings and valuations;
  • Capital gains and transaction reports;
  • Risk profile, financial goals and investment preferences; and
  • Other information necessary for servicing your investments.

3.4 Website and Technical Information

When you visit our website, we may automatically collect:

  • Internet Protocol address;
  • Browser and device information;
  • Operating system;
  • Date and time of access;
  • Pages visited;
  • Referring website;
  • Cookie information; and
  • Website usage and interaction data.

3.5 Communications

We may retain records of communications made through:

  • Email;
  • Telephone;
  • WhatsApp;
  • Website enquiry forms;
  • Physical forms;
  • Meetings; and
  • Other authorised communication channels.

4. How We Collect Personal Data

We may collect personal data:

  • Directly from you;
  • From your authorised representative, joint holder, guardian or nominee;
  • Through our website, forms and communication channels;
  • Through Asset Management Companies;
  • Through Registrar and Transfer Agents;
  • Through KYC Registration Agencies and the Central KYC Registry;
  • Through stock exchange or mutual fund transaction platforms;
  • Through banks, payment service providers and financial institutions;
  • Through publicly available or legally permitted sources; and
  • From service providers acting on our behalf.

5. Purposes for Which Personal Data Is Used

We may process your personal data for the following lawful purposes:

  • Responding to enquiries and service requests;
  • Establishing and maintaining an investor relationship;
  • Completing investor onboarding and KYC formalities;
  • Facilitating mutual fund purchases, SIPs, redemptions, switches, STPs and SWPs;
  • Processing bank mandates and payment instructions;
  • Maintaining investor and transaction records;
  • Providing portfolio statements, capital-gain reports and transaction summaries;
  • Understanding your financial objectives and risk profile;
  • Providing information about mutual fund schemes and financial products;
  • Communicating transaction status, service updates and regulatory information;
  • Resolving complaints, grievances and service issues;
  • Detecting and preventing fraud, misuse and unauthorised activity;
  • Complying with legal, regulatory, tax, audit, KYC and anti-money-laundering obligations;
  • Responding to requests from government authorities, regulators, courts and law-enforcement agencies;
  • Improving our website, services and investor experience; and
  • Protecting our legal rights and the interests of our investors.

6. Consent and Lawful Processing

Where processing is based on your consent, your consent will be sought through an appropriate notice, form, electronic confirmation or other lawful method.

By voluntarily providing personal data for a specified purpose, you consent to its processing for that purpose.

You may withdraw your consent by writing to info@finethics.in. Withdrawal of consent will not affect processing already carried out lawfully before the withdrawal.

Withdrawal may limit our ability to continue providing services where the information is necessary for transaction processing, regulatory compliance or maintenance of your investment relationship.

We may continue to retain or process information where required by applicable law, regulatory requirements, contractual obligations or for establishing, exercising or defending legal claims.

7. Sharing and Disclosure of Personal Data

We may share personal data, strictly on a need-to-know basis, with:

  • Asset Management Companies;
  • Mutual fund trustees;
  • Registrar and Transfer Agents;
  • KYC Registration Agencies;
  • The Central KYC Registry;
  • Stock exchanges and mutual fund transaction platforms;
  • Depositories and authorised intermediaries;
  • Banks and payment service providers;
  • Technology, hosting, software and data-processing service providers;
  • Auditors, accountants, consultants, legal advisers and compliance professionals;
  • Government departments, regulators, courts, tribunals and law-enforcement agencies; and
  • Other parties authorised by you or permitted under applicable law.

Personal data will not be sold or rented to third parties for their independent commercial use.

Service providers processing personal data on our behalf are expected to use the information only for authorised purposes and to maintain reasonable confidentiality and security safeguards.

8. Investor Communications and Marketing

We may send you:

  • Transaction-related communications;
  • Portfolio and service updates;
  • Regulatory notices;
  • Educational material;
  • Market-related information;
  • Mutual fund product information; and
  • Invitations to investor-awareness programmes or meetings.

You may opt out of non-essential promotional communications by using the unsubscribe facility, where available, or by contacting info@finethics.in.

Opting out of promotional communication will not stop important transaction, account, service, security or regulatory messages.

9. Cookies and Website Technologies

Our website may use cookies and similar technologies to:

  • Enable essential website functions;
  • Remember preferences;
  • Understand website usage;
  • Measure performance;
  • Improve website functionality; and
  • Protect the website against fraud or misuse.

You may configure your browser to reject or delete cookies. Disabling certain cookies may affect the availability or performance of some website features.

Third-party analytics or embedded services may place their own cookies and process information according to their respective privacy policies.

10. Data Security

We maintain reasonable technical, administrative and organisational safeguards designed to protect personal data against:

  • Unauthorised access;
  • Accidental loss;
  • Misuse;
  • Alteration;
  • Unlawful disclosure; and
  • Destruction.

These measures may include access controls, password protection, encryption where appropriate, secure storage, restricted access, system monitoring, backups and confidentiality obligations.

However, no website, email transmission, digital platform or electronic storage system can be guaranteed to be completely secure. Investors should avoid sending passwords, OTPs, PINs or other confidential login credentials through email, WhatsApp or website forms.

11. Personal Data Breach

In the event of a personal data breach, FinEthics will take reasonable steps to:

  • Contain and investigate the breach;
  • Mitigate potential harm;
  • Restore the confidentiality, integrity and availability of affected systems;
  • Document the incident; and
  • Notify affected individuals and the competent authority when required under applicable law.

12. Data Retention

We retain personal data only for as long as:

  • It is necessary for the purpose for which it was collected;
  • Your investor or service relationship remains active;
  • It is required for transaction servicing;
  • It is required under financial, tax, KYC, anti-money-laundering or regulatory laws;
  • It is necessary for audit, dispute-resolution or legal proceedings; or
  • A longer retention period is required or permitted by law.

After the applicable retention period, information may be securely deleted, destroyed or anonymised unless its continued retention is legally necessary.

13. Your Rights

Subject to applicable law, you may have the right to:

  • Obtain information about the personal data processed by us;
  • Request a summary of processing activities;
  • Request correction of inaccurate or misleading personal data;
  • Request completion of incomplete personal data;
  • Request updating of outdated personal data;
  • Request erasure of personal data that is no longer required, subject to legal retention obligations;
  • Withdraw consent where processing is based on consent;
  • Raise a complaint or grievance regarding the processing of personal data; and
  • Nominate another individual to exercise your rights in the event of death or incapacity, as permitted by law.

Requests may be submitted from your registered email address to info@finethics.in.

We may ask for reasonable information to verify your identity before processing a request. Certain requests may be declined or restricted where retention or processing is required under applicable law.

14. Accuracy of Personal Data

You are responsible for providing accurate, complete and updated information.

Please notify us promptly of changes to your:

  • Name;
  • Address;
  • Contact details;
  • Bank account;
  • Tax status;
  • KYC details;
  • Nominee information; or
  • Other relevant information.

FinEthics will not be responsible for delays, failed communications or transaction-related issues caused by inaccurate, incomplete or outdated information provided by an investor.

15. Children’s Personal Data

Our services are not intended to be independently used by children.

Where an investment is made on behalf of a minor, personal data relating to the minor will be processed through the minor’s parent or lawful guardian and in accordance with applicable law.

We will seek verifiable consent from the parent or lawful guardian where required. We do not knowingly undertake behavioural monitoring or targeted advertising directed at children.

16. Cross-Border Processing

Certain technology or service providers may process or store information outside India.

Where personal data is transferred outside India, FinEthics will take reasonable steps to ensure that such processing is conducted in accordance with applicable Indian law and any restrictions or conditions prescribed by the Government of India.

17. Third-Party Websites and Platforms

Our website may contain links to websites or platforms operated by:

  • Asset Management Companies;
  • Registrar and Transfer Agents;
  • Transaction platforms;
  • Banks;
  • Regulators; or
  • Other third parties.

FinEthics does not control the privacy, security or content practices of third-party websites. You should review the privacy policy and terms of each third-party platform before providing personal information.

18. No Collection of Account Credentials

FinEthics will never request your:

  • Internet-banking password;
  • Debit or credit card PIN;
  • UPI PIN;
  • ATM PIN;
  • Email password;
  • Trading-account password; or
  • One-time password.

Do not share such information with any person claiming to represent FinEthics. Any suspicious communication should be reported immediately to info@finethics.in.

19. Grievance Redressal and Data-Protection Contact

For questions, complaints or requests concerning this Privacy Policy or the processing of personal data, please contact:

Grievance Officer / Data-Protection Contact
Compliance Officer
FinEthics Financial Services Private Limited
Mital Apartment, 201, Plot No. 37, Sector 44, Seawoods, Navi Mumbai, Maharashtra – 400706, India
Email: info@finethics.in
Website: www.finethics.in
Please mention “Privacy Grievance” in the subject line of your email.

We will acknowledge and address grievances within the period prescribed under applicable law.

20. Changes to This Privacy Policy

FinEthics may amend this Privacy Policy periodically to reflect:

  • Changes in law or regulatory requirements;
  • Changes in our services;
  • Changes in technology or security practices; or
  • Changes in the manner in which personal data is processed.

The updated Privacy Policy will be published on www.finethics.in with the revised “Last Updated” date.

Material changes may also be communicated through email, website notices or other appropriate channels.

21. Governing Law and Jurisdiction

This Privacy Policy will be governed by the laws of India.

Subject to applicable grievance and regulatory mechanisms, disputes relating to this Privacy Policy will be subject to the jurisdiction of the competent courts and authorities in Navi Mumbai, Maharashtra.

22. Company Information

FinEthics Financial Services Private Limited
Date of Incorporation: 27 May 2020
AMFI Registration Number: ARN-174493
GSTIN: 27AAECF0805H1ZY
Contact: 9326651528
Website: www.finethics.in
Email: info@finethics.in
Registered Office: Mital Apartment, 201, Plot No. 37, Sector 44, Seawoods, Navi Mumbai, Maharashtra – 400706, India.

Important: This Privacy Policy should be read together with the Terms and Conditions, Disclaimer and other policies published on the FinEthics website.