PRIVACY POLICY
Effective Date: 16 May 2026 | Last Updated: 16 May 2026
1. Introduction
Welcome to 25Wealth Secrets ("we", "us", or "our"). We are a SEBI Registered Investment Advisor (RIA) and AMFI Certified financial advisory platform operating at www.25wealthsecrets.com.
This Privacy Policy explains how we collect, use, store, share, and protect your personal and financial information when you visit our website, use our advisory services, or engage with our platform in any capacity.
By accessing or using our services, you consent to the practices described in this policy. If you do not agree with any part of this policy, please discontinue use of our platform immediately.
As a SEBI Registered Investment Advisor, we are bound by the SEBI (Investment Advisers) Regulations, 2013, and all applicable SEBI circulars governing the handling of client data and confidentiality. This policy is designed to meet and exceed those obligations.
2. Information We Collect
We collect information that is necessary to provide you with personalised, goal-based financial advisory services. The categories of information we collect include:
2.1 Personal Identification Information
• Full name, date of birth, and gender
• PAN (Permanent Account Number) — required for KYC compliance under SEBI regulations
• Aadhaar number (where voluntarily provided for KYC verification)
• Email address and mobile number
• Residential address and city/state/PIN code
• Photographs or identity documents uploaded for KYC purposes
2.2 Financial Information
• Annual income, employment type, and source of funds
• Existing investments, insurance policies, and liabilities
• Bank account details (for investment execution, where applicable)
• Risk profile information gathered through our advisory questionnaire
• Portfolio details and investment history (where shared voluntarily)
• Financial goals, timelines, and corpus targets
2.3 Usage and Technical Information
• IP address, browser type, and operating system
• Pages visited, time spent, and navigation patterns on our website
• Device identifiers and referring URLs
• Cookies and similar tracking technologies (see Section 8 for details)
2.4 Communication Records
• Queries, messages, and feedback submitted via our website or email
• Records of consultations and advisory sessions
• Responses to surveys, forms, and feedback requests
3. How We Use Your Information
We use your information solely for legitimate purposes related to providing financial advisory services. Specifically, we use your data to:
3.1 Deliver Advisory Services
• Assess your financial situation, goals, and risk tolerance
• Build personalised investment plans across mutual funds, insurance, and goal-based planning
• Recommend specific financial products aligned with your profile
• Conduct portfolio reviews and rebalancing advisory
3.2 Regulatory Compliance
• Fulfill KYC (Know Your Customer) obligations as mandated by SEBI
• Maintain client records as required under SEBI (Investment Advisers) Regulations, 2013
• Respond to audits, regulatory inquiries, or legal obligations
• Prevent fraud, money laundering, and unauthorised access
3.3 Service Improvement and Communication
• Send you advisory updates, market insights, and portfolio alerts
• Notify you of changes to our services, terms, or this privacy policy
• Improve our platform, tools, and advisory quality based on usage patterns
• Respond to your queries and provide customer support
3.4 What We Will NEVER Do With Your Data
• Sell your personal or financial data to third parties
• Share your data with mutual fund houses, insurers, or financial product manufacturers for marketing purposes
• Use your financial profile to earn commissions or referral fees from product providers
• Send unsolicited promotional communications from third parties
4. Legal Basis for Processing Your Data
We process your personal data under the following legal bases:
• Contractual Necessity: To fulfil our advisory agreement with you and deliver the services you have requested
• Legal Obligation: To comply with SEBI regulations, PMLA (Prevention of Money Laundering Act), and other applicable Indian laws
• Legitimate Interest: To improve our platform, prevent fraud, and ensure the security of your account
• Consent: For optional communications such as newsletters, market updates, and promotional content — which you can withdraw at any time
5. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your data only in the following limited circumstances:
5.1 Regulatory Authorities
We may disclose your information to SEBI, AMFI, income tax authorities, or any other regulatory body as required by law, court order, or regulatory directive. This is a legal obligation we cannot override.
5.2 KYC and Compliance Partners
For completing mandatory KYC processes, we may share your identification documents with CKYC (Central KYC Registry), AMFI-registered KYC Registration Agencies (KRAs), or SEBI-approved verification services.
5.3 Technology and Infrastructure Partners
We use trusted third-party service providers for website hosting, data storage, analytics, and communication. These partners are bound by strict data processing agreements and are not permitted to use your data for any purpose other than providing services to us. Current categories include:
• Cloud hosting and data storage providers
• Email and communication service providers
• Website analytics platforms (anonymised data only)
• Cybersecurity and fraud prevention tools
5.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your data may be transferred to the successor entity. You will be notified via email and a prominent notice on our website before any such transfer occurs, and your rights under this policy will continue to apply.
5.5 Legal Requirements
We may disclose your information if required to do so by law, or in good faith belief that such action is necessary to protect our rights, your safety, or the safety of others.
6. Data Security
We take the security of your financial and personal data extremely seriously. Our security measures include:
• 256-bit SSL/TLS encryption for all data transmitted between your browser and our servers
• End-to-end encryption for sensitive financial data at rest
• Role-based access controls — only authorised personnel can access client data
• Regular security audits, penetration testing, and vulnerability assessments
• Multi-factor authentication for all internal systems handling client data
• Data minimisation — we collect and store only what is necessary for advisory services
• Secure data destruction policies for data no longer required for regulatory or advisory purposes
Despite these measures, no system is 100% immune to security breaches. In the event of a data breach that materially affects your rights, we will notify you within 72 hours of becoming aware of the incident and take immediate remedial action.
7. Data Retention
We retain your personal and financial information for the following periods:
• Active client records: For the duration of our advisory relationship plus 5 years after termination, as required by SEBI (Investment Advisers) Regulations, 2013
• KYC documents: As mandated by PMLA regulations — minimum 5 years from the date of account closure
• Communication records: 3 years from the date of communication
• Website usage data: 12 months, after which it is anonymised or deleted
• Tax and financial records: 7 years, as required under Indian tax law
Once the applicable retention period expires, we securely delete or anonymise your data so that it can no longer be linked to you personally.
8. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your experience and improve our services.
8.1 What Are Cookies?
Cookies are small text files placed on your device when you visit our website. They help us remember your preferences, understand how you use our site, and provide relevant content.
8.2 Types of Cookies We Use
• Essential Cookies: Required for the website to function — login sessions, security tokens, form submissions. Cannot be disabled.
• Analytics Cookies: Help us understand visitor behaviour — pages visited, time on site, entry and exit points. Data is anonymised.
• Preference Cookies: Remember your settings and preferences (e.g., language, goal type selected in our calculator).
• Marketing Cookies: Used to show relevant content. We do not allow third-party advertising cookies on our platform.
8.3 Your Cookie Choices
You can manage or disable cookies through your browser settings. Note that disabling essential cookies may impair the functionality of our website. Our cookie consent banner allows you to accept or reject non-essential cookies when you first visit our site.
9. Your Rights Under This Policy
As a user of 25Wealth Secrets, you have the following rights with respect to your personal data:
• Right to Access: Request a copy of all personal and financial data we hold about you
• Right to Correction: Request correction of inaccurate or incomplete data
• Right to Deletion: Request deletion of your data, subject to regulatory retention obligations
• Right to Portability: Receive your data in a structured, machine-readable format
• Right to Withdraw Consent: Withdraw consent for optional communications at any time
• Right to Object: Object to processing of your data for direct marketing or non-essential purposes
• Right to Restrict Processing: Request that we limit how we use your data while a dispute is being resolved
To exercise any of these rights, contact us at: privacy@25wealthsecrets.com. We will respond to all verified requests within 30 days. We may need to verify your identity before processing your request.
10. Third-Party Websites and Links
Our website may contain links to external websites, fund house portals, or financial tools operated by third parties. This Privacy Policy applies only to 25Wealth Secrets. We are not responsible for the privacy practices or content of any third-party website. We recommend reviewing the privacy policy of any external site you visit.
11. Minors and Children's Privacy
Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal information from anyone under the age of 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@25wealthsecrets.com and we will delete such information promptly.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, or applicable law. When we make material changes, we will:
• Update the "Last Updated" date at the top of this policy
• Post a prominent notice on our website homepage
• Send an email notification to registered users
Your continued use of our services after the effective date of any changes constitutes your acceptance of the revised policy. We encourage you to review this policy periodically.
13. SEBI Regulatory Compliance
As a SEBI Registered Investment Advisor, we are subject to the following regulatory framework governing client data:
• SEBI (Investment Advisers) Regulations, 2013 — Regulation 19 (Maintenance of Records): We maintain all client records, risk profiling data, and investment advice documentation for a minimum of 5 years
• SEBI Circular SEBI/HO/IMD/DF1/CIR/P/2019/169 — KYC Requirements: We follow SEBI-mandated KYC procedures for all advisory clients
• Prevention of Money Laundering Act (PMLA), 2002: We conduct mandatory AML checks and maintain transaction records as required
• Information Technology Act, 2000 and IT (Amendment) Act, 2008: All data handling complies with applicable Indian data protection laws
Our SEBI Registration Number: INA000XXXXXX (update with actual registration number)
Our AMFI ARN Number: ARN-XXXXXX (update with actual ARN)
14. Grievance Officer and Contact Information
In accordance with the Information Technology Act, 2000, and SEBI (Investment Advisers) Regulations, 2013, we have designated a Grievance Officer for privacy-related concerns:
Grievance Officer
• Name: [Grievance Officer Name]
• Designation: Compliance Officer, 25Wealth Secrets
• Email: grievance@25wealthsecrets.com
• Phone: [Contact Number]
• Address: [Registered Office Address], India
• Working Hours: Monday to Friday, 9:00 AM – 6:00 PM IST
You may also write to us for general privacy queries at: privacy@25wealthsecrets.com
We commit to acknowledging all complaints within 48 hours and resolving them within 30 days of receipt.
Legal Disclaimer
25Wealth Secrets is a SEBI Registered Investment Advisor. We are not a bank, NBFC, loan marketplace, or insurance company. All advisory services are provided on a fee-only basis. Investments in mutual funds and other securities are subject to market risks. Past performance is not indicative of future results. This Privacy Policy constitutes a legally binding agreement between you and 25Wealth Secrets.
© 2026 25Wealth Secrets. All Rights Reserved.
www.25wealthsecrets.com | privacy@25wealthsecrets.com