Privacy Policy

1. Privacy Commitment

Flowrich Finserve Private Limited is committed to maintaining the highest standards of privacy, confidentiality, and security of personal information. In full compliance with the Digital Personal Data Protection Act, 2023 (DPDPA) and SEBI Master Circulars, we ensure that your personal data is processed only for specified and lawful purposes related to our financial services.

2. Scope & Applicability

This policy applies to all individuals interacting with Flowrich Finserve through our website, mobile platforms, and physical documentation. It covers data collected during client onboarding, KYC verification, risk profiling, and the ongoing mutual fund transaction processing cycle.

3. Information We Collect

To serve you effectively, we collect: (a) Identity Data such as PAN, Aadhaar, and Date of Birth; (b) Contact Data including Mobile Number and Email; (c) Financial Profile details like Income range, Net Worth, and Bank Account details for SIP/Redemptions; and (d) Investment Preferences gathered during risk assessment.

4. Purpose of Data Collection

Your personal data is used strictly for: processing mutual fund transactions through authorised platforms, completing mandatory KYC Registration Agency (KRA) requirements, conducting investment suitability assessments, and meeting regulatory reporting obligations to SEBI and AMFI.

5. Data Sharing Rules

We share your data ONLY with regulated ecosystem partners such as Asset Management Companies (AMCs), Registrar & Transfer Agents (CAMS, KFintech), and regulatory bodies when mandated by law. We never sell, rent, or trade your data with external marketing agencies or third-party advertisers.

6. Data Storage & Security

Digital records are stored on highly secure, encrypted servers with mandatory multi-factor access controls. Physical records are kept in secure, restricted environments at our registered office. We maintain a zero-tolerance policy regarding data storage on personal devices of employees.

7. Data Retention & Disposal

In accordance with SEBI and PMLA guidelines, we retain transaction and identity records for a minimum period of 8 years after the business relationship has ended. Following this period, data is securely purged or shredded.

8. Your Rights Under DPDPA 2023

Under the Digital Personal Data Protection Act, you have the right to: (a) Request a summary of your personal data held by us; (b) Correct inaccurate or incomplete info; (c) Withdraw consent for data processing; and (d) Request erasure of data, subject to regulatory retention mandates.

9. Cookies

Our website utilizes cookies to improve user experience, remember your preferences, and analyze site traffic to optimize our service delivery. You can choose to manage cookie settings in your browser.

10. Third-Party Links

Our portal may contain links to external sites like AMFI, SEBI SCORES, or AMC websites. Flowrich Finserve is not responsible for the privacy practices, content, or security of these third-party platforms.

11. Changes to This Policy

We reserve the right to update this Privacy Policy to stay aligned with evolving laws and regulatory requirements. Any material changes will be updated on this page with an updated revision date.

12. Contact Us