The security of personal information about you is our priority. We receive and store both personal and non-personal information about you when you visit our website www.thewealthnavigators.com or our application. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable laws. We train our employees in the proper handling of personal information.
This Privacy Policy lays down the norms for that govern the use, disclosure and sharing of personal information about the registered users. The website is owned by Wealth Navigator Financial Services Private Limited.
Registering for a service on our website requires the creation of a Login ID and Password by you to ensure the privacy and security of the information you provide. Your Login ID and Password are the primary means to access our services and website, and hence as a security feature, our website requires creation of a password that meets certain complex requirements. We recommend and require that your keep your Login ID and Password confidential. Further, we recommend that you change your password periodically. We shall not be responsible for any unauthorized access to your account if you share your Login ID and Password with anyone or as a consequence of a violation of this Privacy Policy or the Website’s Terms of Use.
Every time you login to our website, we use, inter alia, the latest authentication and encryption protocols along with session time outs, firewalls to protect your account from unauthorized access. Your password information is not accessible to anyone including us and can only be changed/updated by you using a two-factor authentication process.
We may offer the use of social media logins such as Google, Facebook etc. to enable you to conveniently create an account and register yourselves on our website. By enabling the use of these credentials, we offer you the convenience of not having to create and remember a fresh user ID and password. Such service, its availability and the privacy of your login information are governed by the terms and conditions of the respective service providers. Whilst we do take adequate measures to safeguard your information, we do not take responsibility of your information in case of a security breach at these service providers or in case you share your login information with anyone or in case your social media account were to get hacked. We require you to maintain adequate confidentiality of your social login information and use this facility after due consideration and with appropriate caution.
When you visit our website, we collect and store information to enable us to provide an online experience that matches your device. The information collected includes the type and address of the device you use, the browser and its version, the operating system and its version you are using.
When you browse our site or receive an e-mail from us, we and the companies we work with, use cookies and/or pixel tags to collect information and store your online preferences. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies.
Cookies and pixel tags do not capture any information that can be used to identify you. And the information collected helps us improve your online experience. This comprises, inter alia, your response to any of our e-mails, the time and duration of your visit to our site and pages you viewed while on our site.
We may receive and collect your personal information such as your name, address, phone number and e-mail. We use these and other personal information to offer a customized experience and help you with your financial needs.
We will not share with, or make available, your personal information to any third party without your authorisation, except if we are specifically directed or mandated to do so under any Applicable Law, legal proceeding or directive by any administrative, judicial, quasi-judicial, statutory or regulatory body or any authority or agency of the Government , or as described in this document below in our Terms and Conditions.
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. See more on our Security systems.
We restrict access to your non-public personal information to those employees who need to know that information to service your account. However no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. If you think that the security of your account has been compromised, change your password and contact us immediately for further assistance.
We may use aggregate personal information that does not identify you individually for better product design, research and developing customized marketing offers either by us or any affiliated or unaffiliated third party consultants or service providers.
We may use aggregate personal information that does not identify you individually for better product design, research and developing customized marketing offers either by us or any affiliated or unaffiliated third party consultants or service providers.
Further, we collect personal information when you are using our Financial Planning tools or registering with us for setting up of an Investment Account. This may include, inter alia, your PAN Card number and image, Aadhaar card number and image, Bank Account Details and relevant proofs of the same. This information is primarily collected for regulatory compliance with applicable laws in order to enable and/or activate your account with BSE, AMCs and to enable you to conduct online transactions.
This information will be stored with us and shared with select third parties such as our group companies, Asset Management Companies (AMC), Registrar and Transfer Agents, BSE and affiliate companies, payment gateway providers in order to enable us to complete your registration as a client with us and to process any transaction requests that you authorise, maintain a record of your transactions and holdings, generate and send reminders, alerts, notifications to you for transactions, upcoming funds transfers etc.
We may collect personal information about your transactions, and how you interact with third parties such as your bank when you conduct banking transactions such as the purchase and/or redemption of units in a mutual fund scheme. This information helps us to provide our services to you. We encourage you to read the Terms and Conditions to understand further about how your information is collected and used.
We may use the information we collected online in conjunction with the personal information you have provided us with, or information that is publicly available from other sources. We may use this information to customize your experience and our communication with you both online and offline.
When we use other companies to provide services for us, we require them to protect the confidentiality of personal information about you that they receive from us. The information is disclosed on a need-to-know basis. We may use third party service providers to enable us in providing some services to you such as sending e-mail messages to you and tracking them on our behalf, collecting a fee for our services, and providing technical support that can contact you regarding an issue with any feature or functionality on our website.
When you provide us with your personal information either while setting up an account with us or later, it is kept maintained by the division that is responsible for your account management. You can view and/or update/edit this information by logging on to your account through our website, e-mailing us or calling customer service. As we add more services or wish to inform you of some additional benefits that we offer either directly or in partnership with any third party, we may use the information we have collected to offer you customized recommendations as well as marketing communications through any medium including e-mail, SMS etc. You will have the option to opt out of such communications at any time.
We are bound by the (Indian) Information Technology Act, 2000, and comply with all its provisions (available here). Under Section 43A of the (Indian) Information Technology Act, 2000, Wealth Navigator Financial Services Private Limited and all its service providers are obliged to maintain reasonable security procedures to safeguard your data. Should there be any accidental disclosure of your personally identifiable personal information, you have the right to compensation from us.
Under Regulation 5 of the Information Technology (Reasonable Security and Procedures and Sensitive Personal Data or Information) Rules, 2011.