1. Information We Collect

We may collect:

• Personal Information: Name, PAN, email, mobile number, KYC details, bank account details.

• Usage Data: Device type, IP address, app usage patterns.

• Transaction Data: Investment transactions, portfolio details.

2. How We Use Your Information

We use your data to:

• Process investment transactions.

• Maintain compliance with SEBI and AMFI requirements.

• Provide customer support and personalized services.

• Improve app functionality and security.

3. Sharing of Information

We may share your data with:

• Mutual fund companies, registrar & transfer agents, and payment gateway providers.

• Regulatory bodies such as SEBI, AMFI, or other government authorities as required.

• Third-party service providers who assist in our operations (bound by confidentiality agreements).

We do not sell your personal data to third parties.

4. Data Storage & Security

• Your personal data is stored securely using industry-standard encryption.

• We retain your information as long as necessary for legal, regulatory, and operational purposes.

5. Your Rights

You have the right to:

• Access your personal data.

• Request corrections or updates.

• Request deletion of your account (subject to regulatory retention requirements).

6. Cookies & Tracking

We may use cookies and analytics tools to enhance app performance and user experience.

7. Changes to Policy

We may update this Privacy Policy periodically. Any changes will be reflected in the App and communicated where necessary.

Delete Account & Data Removal Policy

If you wish to delete your Poonji Mitra account and remove your personal information from our systems, follow these steps:

1. How to Request Account Deletion

• Send an email to [support@poonjimitra.com] from your registered email address.

• Mention “Delete My Account” in the subject line.

• Provide your registered mobile number for verification.

2. What Happens After Deletion Request

• We will verify your identity within 7 working days.

• Your account will be permanently deactivated.

• All personal details will be erased from our systems, except where retention is required by SEBI, AMFI, or other regulatory bodies for compliance (generally up to 8 years as per Indian financial regulations).

3. Non-Deletable Information

As per Indian laws and regulations, certain transaction and KYC details must be retained for audit and compliance purposes even after account deletion.

4. Post-Deletion Access

After account deletion, you will lose access to all services, transaction history, and investment portfolio through the Poonji Mitra app.