1. Introduction

WealthCrop Securities Private Limited (“Company”, “We”, “Us”, or “Our”) is committed to maintaining the absolute confidentiality, security, and integrity of your personal and financial information. This Privacy Policy systematically outlines how we collect, use, process, share, protect, and securely purge your data when you access our digital interfaces, mobile applications, API-linked frameworks, or web portals (collectively referred to as the “Platform”).

This document is formulated in complete structural alignment with the Information Technology Act, 2000, SEBI Cyber Security Frameworks, and the data protection principles mandated in Chapter 7 of the consolidated AMFI Master Circular for Mutual Fund Distributors. By accessing or utilizing our Platform, you explicitly consent to the collection and data handling practices described herein.

2. Information We Collect

To deliver execution-only stockbroker connectivity and mutual fund distribution services, we collect both personal and non-personal client parameters:

• Personal Identification Data: Full name, communication address, verified contact numbers, email endpoints, date of birth, marital status, nominee declarations, and bank account parameters.
• Statutory Verification & Compliance Identifiers: Income tax Permanent Account Number (PAN), verified KYC statuses, FATCA declarations, and copy scans of officially valid identity and address proof documents required to satisfy regulatory due diligence.
• Technical Data Logs: Internet Protocol (IP) addresses, device hardware definitions, operating system versions, browser engine types, transactional timestamps, duration of screen visibility, and app-level crash/error log dumps processed during system maintenance.
• Third-Party Ecosystem Feeds: Customer verification parameters and transaction validation statuses securely fetched from SEBI-registered KYC Registration Agencies (KRAs), Central KYC (CKYC) systems, and associated financial execution gateways.

3. Purpose of Data Processing

We utilize your personal and operational information strictly for targeted compliance and service execution purposes, namely:

• To systematically complete your initial identity authentication and process Know Your Distributor (KYD) or Know Your Customer (KYC) records.
• To securely route your Regular Plan mutual fund allocations and third-party stock broker execution requests.
• To run real-time automated fraud detection mechanisms, technical risk analysis, and transaction audits.
• To dispatch critical account status notifications, mandatory electronic statements, transactional alerts, and compliance updates.
• To fully comply with statutory directives issued by the Securities and Exchange Board of India (SEBI), AMFI, Financial Intelligence Unit-India (FIU-IND), and other legal oversight bodies.

4. Cyber Security & Data Retention Protocols

• Infrastructure Guardrails: Our digital transmission layers are reinforced utilizing industry-standard Transport Layer Security (TLS) and Secure Sockets Layer (SSL) encryption frameworks. Technical safeguards are configured across our local servers and storage clusters to shield client identifiers from unauthorized interception or extraction.
• AMC & Principal Contractual Alignments: In total harmony with Chapter 7 (B.2.h) of the AMFI Master Circular, we preserve strict data confidentiality pacts with all empanelled Asset Management Companies. Client operational data is accessed solely for the specific transaction parameters authorized and is programmatically purged or anonymized immediately once the statutory observation period dictated under Indian financial laws has concluded.
• User Core Responsibility: While we optimize local platform security, the absolute protection of multi-factor endpoints, trading session passwords, and device access security resides with the individual client. Any security breakdown must be escalated to our help desk immediately.

5. Controlled Data Sharing & Cross-Marketing Prohibitions

Outside of the strict cross-marketing prohibition, client records are shared exclusively under the following regulatory exceptions:

• With statutory regulators including SEBI, AMFI, tax authorities, or legal enforcement entities acting under a proper judicial order or statutory disclosure decree.
• With integrated service providers (such as RTAs like CAMS and KFinTech, payment facilitators, and cloud computing nodes) bound by identical non-disclosure and data protection frameworks.

6. Digital Cookies & Web Tracking

Our web servers deploy analytical cookies to preserve individual session identifiers, capture navigation behaviors, optimize interface page load rates, and personalize your software dashboard experience. You retain the ability to modify or reject local tracking setups via your browser settings; however, adjusting these parameters may cause temporary navigation drops or access disruptions across particular high-security execution modules on our Platform.

7. Client Consent Framework & Retention Lifecycles

By engaging with, registering accounts under, or routing capital transactions across our Platform, you provide explicit corporate authorization for the collection, computational processing, and structured distribution of data as outlined in this policy.

You retain the dynamic right to rescind or withdraw this operational processing consent at any future point by raising an expression to our compliance desk. Please note that the withdrawal of transaction data processing consent will necessitate the functional suspension or closure of your active platform profiles. Furthermore, even post-consent withdrawal, legal mandates enforced under the Prevention of Money Laundering Act (PMLA) and SEBI guidelines may compel us to retain core historical audit logs and identity data for a legally specified timeframe.

8. Policy Changes

WealthCrop Securities Private Limited reserves the right to adjust, restructure, or update this data policy to seamlessly adapt to changes in statutory laws or cybersecurity standards. All adjustments will be posted live onto this dedicated privacy page with an updated modification stamp. Material configuration updates will be brought to your attention via email or prominent home screen notices.

9. Corporate Privacy Officer & Help Desks

For any direct privacy inquiries, deep data concerns, access adjustments, or privacy grievances, please utilize our dedicated escalation endpoints: