1. Scope and Applicability

This Policy applies to personal information collected by us in the course of:

  • Onboarding and servicing clients for investment advisory and related services;
  • Complying with applicable laws, regulations and regulatory requirements (including SEBI / exchange / KYC / AML requirements); and
  • Communications made by you to us through our website, email, or any other official channel.

This Policy is published in compliance with the Information Technology Act, 2000 and applicable rules thereunder, as well as relevant SEBI / regulatory guidelines.

2. What Personal Information We Collect

We collect only such personal information as is necessary to provide our services to you and to comply with applicable regulatory requirements. This may include:

  • Basic identification details (name, date of birth, address, contact details, PAN);
  • KYC and regulatory details (KYC records, FATCA/CRS details, occupation, income range, net worth range, risk profile);
  • Bank account and demat account details, to the extent required for providing investment advisory services and for regulatory / settlement purposes;
  • Information required under SEBI and other applicable regulations for client due diligence, risk profiling and suitability assessment; and
  • Communications exchanged with you (emails, letters, meeting notes, grievance communications, etc.).

We do not collect any client usage statistics or behavioural data for marketing, profiling or other unrelated purposes (such as tracking browsing patterns or using client data for targeted advertising).

3. Purpose of Collection and Use of Information

We use your personal information strictly for the following purposes:

  • To onboard you as a client and provide investment advisory and related services;
  • To verify your identity and carry out KYC / AML checks and other regulatory due diligence;
  • To assess your risk profile and determine product/service suitability as required under SEBI regulations;
  • To comply with applicable laws, regulations, circulars and regulatory directions (including SEBI, exchanges and other regulators);
  • To communicate with you in relation to your account, portfolio, services, transactions, statements, reports and grievances; and
  • To maintain proper records for audit, inspection and regulatory reporting, as required by law.

We do not use your personal information for any purpose other than those stated above.

4. Sharing and Disclosure of Information

We do not sell or rent your personal information to any third party.

Your personal information may be shared only in the following limited circumstances:

  • With regulators, exchanges, depositories, auditors, KYC Registration Agencies (KRAs), and other such entities, strictly as required under applicable laws and regulations;
  • With banks, custodians, depositories and other intermediaries, only to the extent necessary to provide services to you and to comply with regulatory requirements;
  • With service providers who support us in technology, record keeping or communication, subject to appropriate confidentiality and data protection obligations; and
  • Where required pursuant to an order, direction or request from any statutory, regulatory, judicial or governmental authority, or as otherwise required by law.

In all cases, sharing is limited to what is necessary for the stated purpose or as mandated by law.

5. Data Retention

We retain your personal information only for as long as necessary:

  • To provide you with our services; and
  • To comply with applicable legal and regulatory recordkeeping requirements (including those prescribed by SEBI, exchanges and other regulators).

Once the retention period mandated by applicable law is over and the data is no longer required, we will delete, destroy or anonymise such personal information in a reasonable and secure manner.

6. Security of Personal Information

We use reasonable security practices and procedures, appropriate to the nature of information collected and our size and operations, to protect your personal information against unauthorised access, use, alteration, disclosure or destruction.

Access to such information is restricted to authorised personnel on a need-to-know basis, and they are required to maintain confidentiality.

However, while we strive to use commercially reasonable means to protect your personal information, no system can be guaranteed as completely secure.

7. Your Choices and Rights

Subject to applicable law and our regulatory obligations, you may:

  • Review and update your personal information available with us;
  • Raise queries or concerns regarding how your personal information is being used; and
  • Lodge a grievance in relation to your personal information or this Policy.
8. Grievance and Contact Details

For any questions, concerns or grievances in relation to your personal information or this Privacy Policy, you may write to:

Pravin Ratilal Investment Advisors Private Limited
A-908, Unicus Shyamal, Shyamal, Satellite,
Ahmedabad 380015, Manekbag, Ahmedabad,
Ahmadabad City, Gujarat, India, 380015
Email: info@pr-wealth.in

A designated responsible person will review and respond to your query/grievance within a reasonable time, in line with applicable regulatory requirements.

9. Changes to this Policy

We may update this Privacy Policy from time to time to reflect changes in legal or regulatory requirements or our internal policies.

The updated Policy will be made available on our website, and the “Last Updated” date will be revised accordingly.

Your continued use of our services after any such change shall be deemed acceptance of the updated Policy.