Privacy Policy

Financial Wisdom (“we”, “us”) is an AMFI-registered Mutual Fund Distributor (ARN 174062) and APMI-registered PMS Distributor (APRN-04975) based at Shop No C-F1, First Floor, C Wing, Pancharatna Complex, Behind Borkar Super Store, Margao, Goa 403601.

This policy covers financialwisdom.co.in, our WhatsApp conversations, our forms, quizzes and calculators, and our client portal.

• Contact details you give us: name, phone or WhatsApp number, email address and city.
• What you tell us in a form, quiz or message: your goals, the kind of help you want, your profession, answers to self-check questions, and vehicle details when you request motor insurance help.
• When you become a client: the information required by law to open and service investments, such as KYC details, bank details, nominee details and risk-profile answers.
• Documents you upload in our onboarding forms, such as Aadhaar (masked), PAN, a cancelled cheque, salary slips, a photo, a passport, vehicle registration certificate or an existing policy copy. They are stored in encrypted, access-controlled storage, viewed only by authorised staff, and kept for as long as the law requires.
• Basic usage data: pages visited, taps on our WhatsApp and call links, the referring page and campaign tags in the link you clicked, recorded without cookies through an anonymous session identifier.
• Results you choose to save: when you finish a check-up, quiz or calculator, your answers and result may be saved as a report that opens through a private link, so you can view or download it later.
• If you reach us through an advertisement and accept ad cookies, Meta and Google may set their own cookies, as described under Cookies and ad measurement below.

We do not ask for PAN, Aadhaar, passport or bank account numbers through website enquiry forms or WhatsApp. These are collected only through our secure onboarding process, when you choose to become a client.

Our own page counts, and taps on our WhatsApp and call links, are recorded without cookies and cannot identify you. This stays on because we need it to run and improve the site.

We may run ads on Meta (Facebook and Instagram) and Google. If you press Accept on the cookie bar, we load the Meta Pixel and the Google Ads tag. They set cookies and may collect your device details, the pages you view and whether you sent an enquiry or tapped WhatsApp or call, so we can see which ads work and show our ads to people who may be interested. Meta and Google handle that data under their own privacy policies.

If you press Only essential, these tags are not loaded and no ad cookies are set.

You can change your choice at any time with the Cookie settings link at the bottom of every page. Choosing Only essential after accepting turns the tags off and clears the Meta cookies we can reach. You can also delete cookies in your browser settings or switch off personalised ads in your Meta and Google account settings.

• To reply to your enquiry and arrange a conversation at a time that suits you.
• To understand your goals and risk profile before suggesting anything.
• To open, process and service investments and insurance you ask us to arrange.
• To send you updates, reminders and reports about your own investments.
• To meet our legal and regulatory obligations, including KYC and record-keeping.
• To improve our website and content, using aggregated, non-identifying information.

We never sell your personal data. We share it only where needed to do what you have asked, or where the law requires it:

• Asset management companies, their registrars and transfer agents, KYC registration agencies and transaction platforms, to process your investments.
• Portfolio managers and other product providers, when you choose their products.
• Insurers, for policies you apply for.
• Service providers who help us run our business, such as hosting, messaging and email, under confidentiality obligations.
• Regulators, courts or authorities, when legally required.

By sending us a form or a message you consent to us contacting you about it. You can withdraw that consent at any time, and we will stop contacting you except where we must, for example about investments you hold through us.

Under the Digital Personal Data Protection Act, 2023 you may ask us to: confirm what personal data we hold about you and how we use it; correct, complete or update it; erase it where we are not required to keep it; and name someone to exercise these rights on your behalf if you are unable to.

You can withdraw consent as easily as you gave it. Withdrawing does not affect anything done before, or records we must keep by law.

If you are not satisfied with our response, you may raise a grievance with us (see Grievance redressal), and after that you may complain to the Data Protection Board of India.

To do any of this, write to reach@financialwisdom.co.in or +91 83780 80888.

Enquiry details are kept for as long as they are useful to respond to you and follow up, and are deleted on request.

Client records are kept for as long as you are a client and afterwards for the period required by applicable laws and regulations.

Access to personal data is limited to people who need it to serve you. Sensitive identifiers are shown only in masked form in our systems, and data is transmitted over encrypted connections.

No system is completely secure. If we become aware of a breach affecting your data, we will inform you and the authorities as the law requires.

We serve NRIs and clients living abroad, including in the UK, the USA, the UAE and Singapore. If you contact us from outside India, your details are processed in India so we can serve you, and our service providers (such as hosting, messaging and email) may store or process them on secure servers in other countries.

The rights above are available to you wherever you live. Where the law of your country gives you further rights, for example to object to processing or to receive a copy of your data, write to us and we will honour your request as that law requires.

Our website and forms are meant for adults. Investments for a minor are opened and managed through a parent or legal guardian, who provides the information and consent on the child's behalf.

We may update this policy as our services or the law change. The date at the top shows when it was last updated.

Questions about privacy, or a concern about how your data is handled: reach@financialwisdom.co.in or +91 83780 80888, or write to us at Shop No C-F1, First Floor, C Wing, Pancharatna Complex, Behind Borkar Super Store, Margao, Goa 403601.

Grievance redressal