Privacy Policy

1. Information We Collect

We collect the following categories of personal information when you engage with our services:

• Identity Information: Full name, date of birth, PAN card number, Aadhaar number (last four digits only), passport details (for NRI clients).
• Contact Information: Residential address, email address, mobile number, and emergency contact details.
• Financial Information: Income details, bank account information, investment portfolio data, tax returns, and net-worth declarations.
• KYC Documents: Photographs, signature specimens, and government-issued identity proofs as required under SEBI KYC norms.
• Usage Data: IP address, browser type, pages visited on our website, and interaction data collected via cookies and analytics tools.

2. How We Use Your Information

Your personal information is used for the following purposes:

• Providing investment advisory, financial planning, tax advisory, estate planning, and related services.
• Completing Know Your Customer (KYC) verification as mandated by SEBI and PMLA, 2002.
• Communicating service updates, reports, and regulatory disclosures.
• Processing transactions and managing your investment portfolio.
• Meeting statutory and regulatory reporting obligations to SEBI, Income Tax Authorities, and other competent authorities.
• Preventing fraud, money laundering, and other financial crimes.
• Improving our website and services through aggregate analytics.

3. Sharing of Information

We do not sell, rent, or trade your personal information. We may share it with:

• Regulatory Authorities: SEBI, RBI, Income Tax Department, Financial Intelligence Unit (FIU-IND), and other statutory bodies as required by law.
• Service Providers: KYC Registration Agencies (KRAs), depositories (NSDL/CDSL), stock exchanges, mutual fund registrars (CAMS/KFintech), and technology vendors under strict confidentiality agreements.
• Legal Advisors: When necessary to protect our legal rights or comply with court orders.

Any third-party service provider engaged by us is bound by contractual obligations to handle your data securely and only for the purpose specified.

4. Data Retention

We retain your personal data for the period required by applicable law:

• KYC records: Minimum 5 years after the end of the client relationship, as required under PMLA, 2002.
• Transaction records: Minimum 5 years from the date of each transaction.
• Advisory records: As long as required under SEBI (Investment Advisers) Regulations, 2013.
• Website usage data: Up to 12 months, after which it is anonymised or deleted.

5. Cookies and Tracking Technologies

Our website uses cookies to enhance your browsing experience and collect aggregate usage statistics. You may disable cookies in your browser settings; however, some features of the website may not function correctly without them. We do not use cookies to collect personally identifiable information without your consent.

6. Data Security

We implement industry-standard security measures including SSL/TLS encryption, role-based access controls, and periodic security audits to protect your personal data. Despite these measures, no transmission over the internet is completely secure. In the event of a data breach affecting your rights, we will notify you in accordance with applicable law.

7. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete information.
• Withdraw consent for processing (where consent is the legal basis), subject to regulatory obligations.
• Lodge a complaint with the relevant regulatory authority.

To exercise any of these rights, please contact our Data Protection Officer at privacy@echowealth.in.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies independently.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The revised policy will be posted on this page with an updated effective date. Continued use of our services after such changes constitutes your acceptance of the updated policy.

10. Contact Us

For any queries, concerns, or requests relating to this Privacy Policy, please contact:

Data Protection Officer
EchoWealth Financial Services LLP
Trivandrum, Kerala, India
Email: info@echowealth.in