Privacy Policy

Our Privacy Policy

We at FinoMin are committed to safeguarding any information submitted to us on our website and or services. The privacy notice provides you with a summary of the type of information collected by us, policy regarding use of that information and measures taken to safeguard that information. This Privacy Policy is meant to help the user understand What information we collect? Why we collect the information? and How we use the information so collected? The Company reserves its right to review and revise this Policy at any time without any prior notice. Once the Policy is modified, the same shall be updated on the website. After modification of this Policy every user shall be subject to such modified Policy, so, users are hereby advised to read this policy carefully and keep visiting this be informed of how we are protecting your information.

What Information do We Collect?

The user expressly agrees and acknowledges that the company collects and stores personal information while providing services. When you sign up on the Web Site, we may collect the following information- Information About the User-

  • Name, Age, Gender, and Address.
  • User id, Email address, phone number and other contact information of the user.
  • KYC documents of the user (applicable in certain services wherein the same is a regulatory requirement).
  • Other details which the user submits voluntarily.
  • Other Information related to service enquiry, customer surveys and/or offers.
  • Any other information necessitated to provide the users with desired services.
  • To make our Site and Services more useful to you, our servers (which may be hosted by a third-party
  • To make our Site and Services more useful to you, our servers (which may be hosted by a third-party service provider) collect information from you, including your browser type, operating system, Internet Protocol (IP) address, and domain name.
  • We may use third party service providers to help us analyze certain online activities. For example, these service providers may help us analyze visitor activity on the Site. We may permit these service providers to use cookies and other technologies to perform these services for us.

  • It shall be the duty of the Users to make sure that the information and documents provided by them are true, correct and current at all times. Users alone shall be responsible for any loss in any of any discrepancy, inaccuracy, obsolescence or falsity in such information or documents. The Company shall be at liberty to terminate or suspend any User’s access to the website or any of the services offered in such cases on its sole and exclusive discretion.

    Non-Personal Information Collected by Us-

    The user is aware that we automatically collect certain information about the user that cannot be used to personally identify the user. These types of information are - anonymous usage data, general demographic information, referring/exit pages and URLs, platform type, preferences you submit, etc.

    How We Use and Share the Information Collected?

  • USE
  • The user is aware that we use their information, unless otherwise prohibited by law or a contractual obligation, for the following purposes-

    Account signing up- We use your name, phone number, mobile number, etc. to register an account for you. The account will help you avail our services and in communicating with us.

    For maintaining internal records- For maintaining a proper record about our users and subscribers, we use information such as name, address, etc. provided by you.

    Improvement of services- We may use your email, preferences, etc. in order to improve our services by understanding the issues faced by you.

    Communication and customer service- We may use information such as your email id, phone number, etc. to provide customer support, send promotional messages, etc.

    We may use your name, address, phone number, email, etc. in order to resolve any issue that you might be facing, questions you might have about our services, to follow up with you, etc. through our customer service team.

    Feedbacks/reviews- Any feedbacks or review given voluntarily by the user may be retained by us, in order to improve our services. The same may be shared with the viewers or other customers for a better understanding of our services.

    Non-Personal Information: In general, we use Non-Personal Information to improve our service and customize user experience. We also collect Non-Personal Information in order to update our services with recent trends. We are not limited by this Privacy Policy, to use or disclose the Non-Personal Information and the right to use and disclose such Non-Personal Information is reserved to our sole discretion.

  • We consider protecting your personal information vital and we do not sell, trade, or rent your Personal Information to third parties without your consent. However, we may share your information.

    The user is aware that their information is shared in the following exceptional cases-

    We share your Personal Information with vendors and other third-party business tool providers who are performing services for us. We provide only that much of information/data which is necessary to provide you service requested or authorized by you.

    Certain third-party service providers, such as payment processors, have their own privacy policies in respect of the information that we are required to share with them in order to use their services. We recommend that you read their privacy policies so that you can understand the way your Personal Information will be handled by such providers.

    We may share or disclose your personal information with our associate, subsidiary companies or companies under the same group or under the common umbrella brand.

    We may also share your information if required by the law, initiate or to respond to a legal process.

    We may disclose your personal information for any other purpose with your consent.

    We do not share your information with any third-party for their direct marketing purposes or benefits.

    How we Protect the Data?

    The security of your personal data is important to us, we apply the best technology to protect this data. However, no method of transmission over the internet or electronic storage is 100% secure. Our information security practices include-

      SSL encryption designed to maintain the privacy of interaction between your browser and us.
      Firewall that protects from unauthorized electronic access to the server.

      While we strive to protect your personal data, we cannot provide a guarantee for its absolute security. The user credit or debit card information are not received or stored by us in any manner. This information is provided by you directly to the payment gateway which is authorized to handle such information. Despite our efforts to protect your information, if unauthorized persons breach security control measures and illegally use such sensitive/personal data or information, we shall not be held responsible/liable.

      How long we keep your information?

      We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law

      Links to other Websites and Web Pages

      The Web Site contains links to websites and web pages outside its own domain and control. These links are only for the convenience and reference of users. The linking of the websites is not necessarily an endorsement, authorization or representation of our association with them. When you click on such links, you navigate from the Web Site to such other websites or web pages which are outside our control. The users of these websites and web pages are governed by their own privacy policy, and the Company is not responsible for any information provided to such websites and web pages by the user. We do not provide any guarantee or warranty regarding such websites and web pages or any information entered on such websites and web pages by the user. Users are hereby advised to read the privacy policy of such websites and web pages before browsing through them carefully.

      Cookie Policy

      The user agrees that cookies are small files that are placed on a user’s computer system with their permission. Cookies help web applications treat and respond to every user differently according to their preferences and choices. These web applications gather and remember user’s information about their preferences, likes, dislikes etc. to tailor its operations accordingly. The information gathered by cookies is only used for keeping track of traffic on the Web Site to modify it according to user’s needs and is used for statistical analysis purposes and is later deleted from the system. Cookies help us provide you with the best browsing experience and do not give us access to your system in any way. You may accept or decline cookies. Most browsers auto accept cookies but, you may change that from browser settings. However, declining or disabling auto acceptance of cookies may prevent you from experiencing best features of the Web Site.

      Your Choice About the Use of Your Data

      You may choose not to provide us with certain data, but you might lose access to certain services provided by us or might not be able to access them at all. To stop receiving promotional communication from us you can unsubscribe the mechanism in promotional communication you receive or can change the setting of your email preference. Even when you change your email preference, you might receive messages regarding the services, the administrative confirmation, update in the services or update in the policy. The browser or device you use may allow you to control cookies and other types of local data storage. Your wireless device may also allow you to control whether location or other data is collected and shared.

      Do not Track

      When you choose to access the website or use our service, we use commonly-used tools and cookies to recognize your visit, authenticate you, your location, etc. Tracking is necessary in order to provide services requested by you. Tracking your use of the website helps us serve you better and provide customized services and user experience. We do not respond to Do Not Track signals at the moment. You need to enable Javascript and cookies on your browser and ensure correct clock time set on your computer/mobile phone to be able to use the system properly.

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Mutual fund is a mechanism for pooling money by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document. Investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is diversifiedbecause all stocks may not move in the same direction in the same proportion at the same time. Mutual funds issue units to the investors in accordance with quantum of money invested by them. Investors of mutual funds are known as unitholders. The profits or losses are shared by investors in proportion to their investments. Mutual funds normally come out with a number of schemes which are launched from time to time with different investment objectives. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) before it can collect funds from the public

Unit Trust of India was the first mutual fund set up in India in the year 1963. In late 1980s, Government allowed public sector banks and institutions to set up mutual funds. In the year 1992, Securities and Exchange Board of India (SEBI) Act was passed. The objectives of SEBI are – to protect the interest of investors in securities and to promote the development of and to regulate the securities market. As far as mutual funds are concerned, SEBI formulates policies, regulates and supervises mutual funds to protect the interest of the investors. SEBI notified regulations for mutual funds in 1993. Thereafter, mutual funds sponsored by private sector entities were allowed to enter the capital market. The regulations were fully revised in 1996 and have been amended thereafter from time to time. SEBI has also issued guidelines through circulars to mutual funds from time to time to protect the interests of investors. All mutual funds whether promoted by public sector or private sector entities including those promoted by foreign entities are governed by the same set of Regulations. There is no distinction in regulatory requirements for these mutual funds and all are subject to monitoring and inspections by SEBI.

Financial planning is the process of seeking to meet your life goals through the proper management of your finances. Financial planning helps you make advance provision for financial needs that will arise in the future. The objective of financial planning is to ensure that the right amount of money is available in the right hands at the right point in the future to achieve an individual's life goals.

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child's higher education, or it may provide enough for a comfortable retirement. You can also adapt more easily to life changes and feel more secure that your goals are on track.

A financial planner is someone who uses the financial planning process to help you determine how to meet your life goals. The key function of a financial planner is to help people identify their financial planning needs, their present priorities and the products that are most suitable to meet their needs. He or she normally possesses detailed knowledge of a wide range of financial planning tools and products, but his primary role is to help clients choose the best products for each need. The planner can take a “big picture” view of your financial situation and make financial planning recommendations that are right for you.

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