Privacy Policy

1. Introduction

Welcome to Jinvani Capital ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy governs our data collection, processing, and usage practices when you visit our website at capital.jinvani.in and use our mutual fund distribution and wealth facilitation services.

By accessing our platform and using our services, you consent to the data practices described in this Privacy Policy.

2. Information We Collect

To facilitate seamless mutual fund transactions and asset recovery services, we may collect the following categories of information:

• Personal Identifiable Information (PII): Full name, date of birth, contact number, email address, physical address, and government-issued identifications (PAN card, Aadhaar card, etc.).
• Financial Information: Bank account numbers, IFSC codes, investment portfolios, tax status, and transaction histories necessary for processing Mutual Fund transactions via RTAs (CAMS, KFintech).
• Asset Recovery Details: Old physical share certificates, folio numbers, death certificates, succession documentation, and other files required for IEPF claims or share transmission.
• Technical Data: IP address, browser type, device type, and usage metrics collected automatically via cookies and tracking tools to optimize our digital platform.

3. How We Use Your Information

We process your personal and financial details to fulfill our service commitments and adhere to regulatory guidelines:

• To register and set up your investment accounts with Asset Management Companies (AMCs) and RTAs.
• To verify your identity and satisfy regulatory KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements.
• To execute Mutual Fund purchase, redemption, or systematic investment instructions.
• To process physical share dematerialization and manage IEPF claims or transmission documentation.
• To send portfolio updates, transaction statements, and regulatory disclosures.
• To improve our website's user experience and secure our platform against fraud.

4. Data Sharing and Disclosures

We value your trust and do not sell, rent, or trade your personal data. We only share information with third parties under the following strict circumstances:

• Service Partners: Asset Management Companies (AMCs), Registrar and Transfer Agents (RTAs like CAMS and KFintech), BSE Star MF, and payment processors to complete transactions initiated by you.
• Regulatory & Legal Authorities: Securities and Exchange Board of India (SEBI), Association of Mutual Funds in India (AMFI), tax departments, and other law enforcement agencies when mandated by law.
• Professional Consultants: Legal advisors or auditors when resolving share transmission documentation, disputes, or administrative compliances.

5. Data Security & Retention

We implement robust physical, technical, and administrative security measures to protect your sensitive financial and personal records. Your files and details are retained only as long as required to fulfill service objectives or as mandated by regulatory retention policies under SEBI and Indian laws.

6. Your Rights

Under Indian financial regulations and data privacy frameworks, you have the right to inspect, update, correct, or request deletion of your personal records. However, note that certain statutory compliance and KYC records cannot be deleted due to regulatory audit requirements.

7. Grievance Redressal

If you have any questions or complaints regarding this Privacy Policy or data processing practices, please contact our designated Grievance Officer: