Last Updated: September 12, 2025

NiveshKaro.com ("NiveshKaro", "we", "us", or "our"), including its online platform(s), mobile applications, web applications, and other domains owned by NiveshKaro (collectively, the "Platform"), is committed to maintaining the confidentiality, integrity, and security of user information. This Privacy Policy outlines how NiveshKaro collects, uses, processes, stores, and discloses information obtained through your use of the Platform. By accessing or using the Platform, you agree to this Privacy Policy, which applies to all users, including visitors, registered users, and independent financial advisors, consultants, or agents ("Advisors").

This Privacy Policy complies with:

• The Information Technology Act, 2000 (IT Act)
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPI Rules)
• The Digital Personal Data Protection Act, 2023 (DPDP Act)

Contact Information:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India
• Support Officer: Mrs. Reshma Chavan, support@niveshkaro.com
• Data Protection Officer (SUPPORT): Mrs. Reshma Chavan, support@niveshkaro.com

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or supports sent to team@niveshkaro.com, support@niveshkaro.com, or support@niveshkaro.com within 21 working days. This period may be extended to 180 working days at NiveshKaro’s sole discretion, and users agree to wait for the response within this timeframe.

1. Information We Collect

a. Personal Identifiable Information (PII)

The Platform may collect personally identifiable information through forms, queries, or user submissions, including but not limited to:

• Name, email address, phone number, and postal address.
• Financial information (e.g., income, investment preferences, financial goals).
• Sensitive personal data (e.g., health-related information for insurance purposes, if applicable).
• Other information provided voluntarily via online forms, applications, emails, or comments.

This information is collected only with your explicit consent and for specified purposes (e.g., matching you with Advisors or processing queries).

b. Non-Personal Identifiable Information

We may collect non-personally identifiable information, such as:

• Demographic or profile data (e.g., age group, location).
• Usage activity (e.g., pages visited, time spent, click patterns).
• Device and browser information (e.g., IP address, browser type, operating system).

c. Purpose of Collection

We collect information to:

• Facilitate connections with Advisors based on your needs and location.
• Provide general educational content on financial products/services.
• Improve Platform functionality and user experience.
• Comply with legal obligations (e.g., KYC/AML requirements).

We adhere to the principles of purpose limitation and data minimization under the DPDP Act.

2. Technology Used

We use technologies to enhance Platform functionality and user experience, including:

• Cookies: Small files stored on your device to track preferences, session data, and usage patterns.
• Web Beacons/Pixel Tags: Used to analyze user interactions and improve services.
• Other Tracking Technologies: Such as web bugs or clear GIFs, to store and collect information about your Platform usage.

You may disable cookies via your browser settings, but this may affect Platform functionality. We collect IP addresses to diagnose server issues, administer the Platform, and identify users for security purposes. Third-party service providers (e.g., analytics providers) may use similar technologies; NiveshKaro is not responsible for their tracking practices.

3. Use and Sharing of Information

a. Use of Information

We use collected information to:

• Match users with Advisors based on submitted queries.
• Provide educational content and improve Platform services.
• Analyze usage patterns to enhance user experience.
• Communicate with you (e.g., via email, SMS, or phone) about your queries, product information, or promotional offers (with consent).
• Comply with legal obligations (e.g., under IT Act, DPDP Act).

b. Sharing of Information

We share information only under the following circumstances:

• With Consent: Your PII may be shared with Advisors or third-party financial institutions (e.g., insurers, AMCs) to fulfill your query or service request.
• Service Providers: We may share data with third-party providers (e.g., cloud storage, analytics) under strict non-disclosure agreements, ensuring DPDP Act compliance.
• Legal Requirements: We may disclose information if required by law, court order, or regulatory authority (e.g., IRDAI, SEBI, RBI).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the acquiring entity.
• Aggregated Data: Non-personally identifiable, aggregated data may be shared with third parties for analytics or marketing purposes.

We do not sell your PII to third parties. If you are registered with the National Do Not Call Registry (NDNC/NCPR), you authorize NiveshKaro and its affiliates/Advisors to contact you for the purposes outlined above, as long as your account remains active.

4. Security Measures

We implement reasonable security practices per IT Rules 2011 and DPDP Act, including encryption, access controls, and secure servers, to protect your data. However, due to the open nature of the internet, we cannot guarantee absolute security against unauthorized access, theft, or loss. NiveshKaro disclaims liability for data breaches not due to our gross negligence. By using the Platform, you acknowledge and accept these risks.

5. Consent for Processing Information

By submitting information to the Platform, you provide explicit and unambiguous consent for NiveshKaro to collect, process, store, and transfer your data in India, in accordance with this Privacy Policy. You authorize NiveshKaro, its affiliates, and Advisors to contact you via email, phone, SMS, or in-person meetings for quotes, product information, or services related to your queries. NiveshKaro is not liable for the actions of Advisors or third-party providers once your data is shared with your consent. You agree not to hold NiveshKaro liable for any unlawful or unauthorized actions by third parties after data sharing.

6. Third-Party Links

The Platform may contain links to external websites (e.g., insurer portals, Advisor websites). These sites are not controlled by NiveshKaro, and our Privacy Policy does not apply to them. You access third-party sites at your own risk and should review their privacy policies. NiveshKaro is not liable for their content, practices, or data handling.

7. Third-Party Advertising

We may engage third-party advertising or analytics providers (e.g., Google Analytics) to serve ads or analyze usage on the Platform. These providers may use cookies, pixel tags, or other technologies to collect anonymous, non-personally identifiable information about your visits to the Platform or other websites. No PII is shared with these providers without your consent. You may opt out of non-essential cookies via browser settings.

8. Your Rights Under DPDP Act

As per the DPDP Act, you have the following rights:

• Access: Request a copy of your personal data held by us.
• Correction: Request updates to inaccurate or incomplete data.
• Erasure (Right to be Forgotten): Request deletion of your data, subject to legal retention obligations.
• Nomination: Appoint a nominee for post-mortem data handling.
• Objection to Processing: Withdraw consent for data processing (e.g., for marketing).

To exercise these rights, contact our Data Protection Officer at support@niveshkaro.com. NiveshKaro reserves the right to respond within 21 working days, extendable to 180 working days at our discretion, and you agree to wait for the response.

9. Right to Erasure (Forget Me)

If you wish to have your personal data deleted, email support@niveshkaro.com with the subject line “Forget Me.” We will delete your data within 72 Hours, subject to legal retention requirements under the DPDP Act or IT Act. Note: If your data has been shared with Advisors or third-party providers (e.g., insurers), you must contact them directly to request deletion, as NiveshKaro has no control over their databases.

10. Children’s Privacy

The Platform is not intended for users under 18 years of age. We do not knowingly collect personal data from minors. If you are under 18, do not submit any information to the Platform.

11. Modifications to Privacy Policy

NiveshKaro reserves the right to modify or update this Privacy Policy at any time, with changes effective upon posting on the Platform. You are responsible for reviewing updates periodically. Continued use of the Platform after changes constitutes acceptance of the revised policy.

12. Support Redressal and Data Protection Officer

For supports or data-related concerns, contact our Support Officer and Data Protection Officer:

• Name: Mrs. Reshma Chavan
• Email: support@niveshkaro.com (for supports), support@niveshkaro.com (for data requests)
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India

NiveshKaro reserves the right to provide an initial response within 21 working days, extendable to 180 working days at our sole discretion, and you agree to wait for the response. If unresolved, you may escalate to the Data Protection Board of India (DPBI) under the DPDP Act.

Contact Us

For questions, clarifications, or support regarding this Privacy Policy, reach us at:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or supports within 21 working days, extendable to 180 working days at our sole discretion. Users agree to wait for the response within this timeframe.

Disclaimer

NiveshKaro is a free intermediary platform that connects users with Advisors. We do not provide financial advice or sell products. Users must verify Advisor credentials and product terms independently. NiveshKaro disclaims liability for third-party actions or data misuse after sharing with your consent.