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Privacy Policy

 

Koul Investment Advisor, a SEBI-registered Investment Adviser (INA000022066 | BSE Enlistment No. 2459), is committed to protecting the privacy of our clients and users. This Privacy Policy explains how we collect, use, store, and protect your information in accordance with applicable laws, including the SEBI (Investment Advisers) Regulations, 2013.

By accessing our website, mobile application, or services, you (“Client” / “User”) agree to this Privacy Policy.

  1. Information We Collect

We may collect the following categories of information:

  • Personal Information:Name, contact details, PAN, KYC details, financial details, risk profile, and other onboarding information.
  • Transaction Data:Investment portfolio details, holdings, and interactions with financial products.
  • Technical Data:Device information, IP address, cookies, browser details, and usage analytics.
  • Communication Data:Emails, recorded calls, chat transcripts, or other communication records as required under SEBI regulations.
  1. How We Use Your Information

Your information is used only for legitimate purposes, including:

  • To assess your risk profileand provide suitable investment advice.
  • To deliver subscription-based advisory services.
  • To comply with SEBI regulations, audits, and reporting obligations.
  • To enhance platform functionality and user experience.
  • To communicate service updates, reports, and disclosures.
  • To prevent fraud, unauthorized activity, or misuse of services.
  1. Sharing of Information

We do not sell or rent your personal information. Information may be shared only in the following cases:

  • With regulatory authorities (SEBI, BASL, etc.)as required by law.
  • With statutory auditors or compliance officersfor regulatory audits.
  • With third-party service providers(IT, Analytics, Hosting, or Payment partners) strictly on a need-to-know basis.
  • With product providers(FD’s, Bonds, Insurance, etc.) only if you expressly choose their services and consent to sharing.
  1. Data Security
  • We use reasonable technical and organizational safeguards(encryption, firewalls, restricted access) to protect your data.
  • All communication channels are secure and traceable as required by SEBI.
  • While we strive to protect your data, no system is 100% secure, and we cannot guarantee absolute security.
  1. Data Retention
  • Records (KYC, agreements, communications, advice, etc.) are maintained for minimum 5 yearsor longer if required by SEBI or in case of disputes.
  • After the retention period, data may be securely archived or destroyed.
  1. User Rights

As a client, you have the right to:

  • Access and review your information maintained with us.
  • Update or correct inaccurate details.
  • Withdraw consent for marketing communications (not regulatory communications).
  • Request deletion of data after termination of services, subject to SEBI’s record-keeping obligations.
  1. Cookies & Analytics

Our website and app may use cookies or tracking tools for analytics and performance monitoring. You may disable cookies through your browser, though some features may not function properly

  1. Third-Party Links

Our platform may contain links to third-party websites or product providers. We are not responsible for the privacy practices of such third parties. Clients are advised to read their policies carefully.

  1. Grievance Redressal

For privacy-related concerns, you may contact:

  • Grievance Officer: Anil Kumar Koul, Proprietor • Email: complaint@koulfinancialadvisor.com • Phone: +91-8920216573

Unresolved grievances may be escalated through the SEBI SCORES portal at https://scores.sebi.gov.in.

  1. Updates to Privacy Policy

We may revise this Privacy Policy from time to time to reflect regulatory or operational changes. Updates will be posted on our website, and continued use of services shall constitute acceptance of the revised policy.

  1. Disclaimer

SEBI registration, BSE Enlistment, or NISM certification does not guarantee performance or returns. Investments in securities markets are subject to market risks. Please read all related documents carefully before investing.