Last Updated: December 29, 2025

Introduction

Nidhivriddhi Financial Advisors LLP (“we,” “us,” “our,” or “Nidhivriddhi”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit our website https://nidhivriddhi.com or use our financial advisory services.​

By accessing our website or using our services, you consent to the collection and use of your information in accordance with this Privacy Policy.​

Information We Collect

Personal Information

We may collect the following types of personal information:

• Identity Information: Name, date of birth, gender, father’s name, marital status, nationality, photographs

• Contact Information: Email address, postal address, telephone/mobile number

• KYC Documents: PAN card, Aadhaar card, passport, voter ID, driving license, utility bills​

• Financial Information: Bank account details, IFSC codes, demat account information, income details, investment portfolio information, tax status, credit scores​

• Professional Information: Occupation, employer details, annual income, source of funds

• Investment Profile: Risk appetite, investment objectives, financial goals, investment horizon

• Transaction Information: Details of mutual fund investments, SIPs, redemptions, and other financial transactions

Sensitive Personal Data

As per the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, we may collect sensitive personal data including:​

• Financial information such as bank account, debit card, or payment instrument details

• Physical, physiological, and mental health condition (if relevant for insurance products)

• Biometric information (if required for authentication purposes)

• Passwords and security credentials

Technical Information

We automatically collect certain information when you visit our website:

• IP address, browser type, and version

• Operating system and device information

• Pages visited, time spent on pages, and clickstream data

• Cookies and similar tracking technologies

• Referral source and exit pages

How We Collect Information

We collect information through:

• Direct Interactions: When you register on our website, fill application forms, request services, or communicate with us

• Online Forms: Account opening forms, KYC forms, investment application forms, contact forms

• Third-Party Sources: CKYC registry, credit bureaus, registrars and transfer agents, asset management companies

• Automated Technologies: Cookies, web beacons, and analytics tools

• Verification Services: Aadhaar authentication, DigiLocker, bank verification systems​

Purpose of Collection and Use

We use your information for the following purposes:

Service Delivery

• Processing mutual fund transactions and investment requests

• Maintaining your investment portfolio and accounts

• Providing financial advisory and wealth management services

• Executing buy, sell, switch, and redemption orders

• Facilitating SIP registrations and modifications

Compliance and Legal Obligations

• Completing KYC (Know Your Customer) verification as mandated by SEBI, AMFI, and other regulatory authorities

• Complying with anti-money laundering (AML) and counter-terrorism financing (CTF) requirements

• Meeting obligations under Income Tax Act, Prevention of Money Laundering Act (PMLA), and other applicable laws

• Responding to regulatory inquiries and audits

Communication

• Sending transaction confirmations, account statements, and portfolio updates

• Providing customer support and responding to inquiries

• Sharing investment insights, market updates, and research reports

• Sending promotional communications about new products and services (with your consent)

Business Operations

• Risk assessment and fraud prevention

• Internal audits and quality assurance

• Analytics and business intelligence

• Website improvement and user experience enhancement

• Troubleshooting technical issues

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information with:​

Regulatory Authorities

• Securities and Exchange Board of India (SEBI)

• Association of Mutual Funds in India (AMFI)

• Income Tax Department

• Enforcement agencies and courts (when legally required)

Business Partners

• Asset Management Companies (AMCs) and mutual fund houses

• Registrar and Transfer Agents (RTAs) like CAMS and KFintech

• Payment gateways and banks for transaction processing

• KYC Registration Agencies (KRAs)

• Depositories (NSDL, CDSL)

Service Providers

• IT infrastructure and cloud service providers

• Customer relationship management (CRM) platforms

• Email and SMS service providers

• Data analytics and marketing service providers

• Professional advisors (lawyers, auditors, consultants)

Legal Requirements

We may disclose your information when required to:

• Comply with legal obligations, court orders, or government requests

• Enforce our terms and conditions

• Protect our rights, property, or safety, or that of our clients

• Detect, prevent, or address fraud and security issues

Data Retention

We retain your information in accordance with regulatory requirements and business needs:​

• KYC Documents: Minimum 5 years after cessation of relationship

• Transaction Records: Minimum 5 years from the date of transaction

• Account Information: During the tenure of relationship and at least 5 years after account closure

• Correspondence: As required by applicable laws and regulations

After the retention period, we securely delete or anonymize your information.​

Data Security

We implement reasonable security practices and procedures to protect your information from unauthorized access, disclosure, alteration, or destruction:​

Technical Safeguards

• 256-bit SSL/TLS encryption for data transmission

• Data encryption at rest and in transit

• Firewalls and intrusion detection systems

• Regular security audits and vulnerability assessments

• Multi-factor authentication for account access

• Data masking and tokenization​

Organizational Safeguards

• Access controls on a need-to-know basis​

• Employee confidentiality agreements

• Regular security awareness training

• Incident response and disaster recovery plans

• Periodic third-party security certifications

Your Rights

You have the following rights regarding your personal information:

Access and Correction

• Request access to your personal information

• Update or correct inaccurate information

• Request a copy of your data

Consent Withdrawal

• Withdraw consent for marketing communications

• Opt-out of non-essential data processing (subject to legal obligations)

Data Portability

• Request transfer of your data in a structured, machine-readable format

Complaints

• Lodge complaints with us regarding data protection practices

• Escalate to relevant regulatory authorities if not satisfied with our response

To exercise your rights, contact us at the details provided below.

Cookies Policy

Our website uses cookies and similar technologies to enhance user experience:

• Essential Cookies: Required for website functionality and security

• Performance Cookies: Help us analyze website usage and improve performance

• Functional Cookies: Remember your preferences and settings

• Marketing Cookies: Track your browsing to provide relevant advertisements (with consent)

You can manage cookie preferences through your browser settings. Disabling essential cookies may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites (e.g., AMC websites, payment gateways). We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any information.

Children’s Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors without parental consent. If you believe we have inadvertently collected such information, please contact us immediately.

Updates to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. The “Last Updated” date at the top indicates when the policy was last revised. Continued use of our services after changes constitutes acceptance of the updated policy.​

Grievance Redressal

For any privacy concerns, complaints, or queries, please contact:

Grievance Officer:
Name: [Your Grievance Officer Name]
Email: [grievance@nidhivriddhi.com]
Phone: [Your Contact Number]
Address: [Your Registered Office Address]

We will acknowledge your complaint within 24 hours and resolve it within 30 days.

Consent

By using our website and services, you:

• Acknowledge that you have read and understood this Privacy Policy

• Consent to the collection, use, storage, and disclosure of your information as described

• Agree to provide accurate and complete information

• Authorize us to contact you for service-related communications

Governing Law

This Privacy Policy is governed by the laws of India, including:

• Information Technology Act, 2000

• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011

• Securities and Exchange Board of India regulations

• Prevention of Money Laundering Act, 2002

Any disputes arising from this policy shall be subject to the exclusive jurisdiction of courts in [Your City], India.

Contact Us

For questions about this Privacy Policy or our data practices, contact us at:

Nidhivriddhi Financial Advisors LLP
Email: [info@nidhivriddhi.com]
Phone: [Your Contact Number]
Website: https://nidhivriddhi.com
Address: [Your Registered Office Address]

Customization Notes:

Replace the bracketed placeholders with your actual information:

• Grievance Officer name and contact details

• Company contact email and phone number

• Registered office address

• City for jurisdiction purposes

This privacy policy complies with Indian IT Act requirements and includes provisions specific to financial services businesses.