Privacy Policy

Effective Date: January 1, 2024 • Last Updated: October 2024

1. Introduction

Investing Minds ("we," "our," or "us"), an AMFI-Registered Mutual Fund Distributor (ARN-293800), is deeply committed to protecting the privacy and confidentiality of our clients, prospective investors, and visitors to our website (investingminds.in). This Privacy Policy explains our practices regarding the collection, use, disclosure, and safeguarding of your personal and financial data in compliance with the Information Technology Act, 2000, and SEBI regulations.

2. Information We Collect

To facilitate mutual fund transactions and regulatory compliance, we may collect the following categories of information:

• Contact Information: Name, email address, mobile number, residential address, and preferred consultation times.
• KYC and Regulatory Data: Permanent Account Number (PAN), date of birth, gender, marital status, photograph, proof of identity, and proof of address as mandated by SEBI/KRA guidelines.
• Financial & Banking Information: Bank account details (account number, IFSC code, bank branch, cancelled cheque copy) for processing mutual fund investments and redemptions.
• Transaction & Portfolio Information: Scheme selections, folio numbers, transaction history, investment amounts, and nomination details.
• Technical Data: IP address, browser type, device information, and interaction logs when you navigate our website.

3. Purpose and Use of Collected Information

Your data is utilized solely for legitimate operational and financial distributor purposes:

• Registering and verifying your Know Your Customer (KYC) status with authorized KRAs (CAMS, Karvy, NDML, CVL, DOTEX).
• Facilitating the purchase, redemption, switch, and systematic registration of mutual fund units on authorized platforms (such as BSE Star MF, NSE NMF II, MFCentral, or direct AMC portals).
• Responding to enquiries, callback requests, and providing ongoing portfolio review reports.
• Sending mandatory compliance notices, tax statements, and transaction confirmations.
• Complying with statutory directives from SEBI, AMFI, FIU-IND, and tax authorities.

4. Third-Party Sharing and Disclosures

We do not sell, rent, or trade your personal information to any marketing or advertising agencies. Information is shared strictly on a need-to-know basis with:

• Asset Management Companies (AMCs) & RTAs: Registrars such as CAMS and KFintech to execute and maintain your mutual fund investments.
• Transaction Execution Platforms: SEBI-recognized transaction infrastructure (e.g. BSE Star MF, NSE NMF II).
• Statutory Authorities: Government or regulatory bodies when required by law or judicial summons.

5. Data Security and Confidentiality

We employ industry-standard administrative, technical, and physical safeguards to prevent unauthorized access, disclosure, alteration, or destruction of your confidential information. Communication on our portal is encrypted using Transport Layer Security (TLS/SSL).

6. Cookies & Analytics

Our website may utilize lightweight technical cookies to remember preferences, analyze website traffic patterns, and optimize user experience. You have the right to disable cookies within your individual web browser settings.

7. Contact & Grievance Redressal

For questions regarding this policy, to review your stored information, or to report any privacy concern, please contact our Compliance Officer: