Investnama

We at the Investnama are committed to protecting the privacy and security of your personal information. Your privacy is important to us and maintaining your trust is paramount.

This Privacy Policy explains how we collect, use, process and disclose information about you. By using our website/app and affiliated services, you consent to the terms of our privacy policy (“Privacy Policy”) in addition to our Terms of Use. We encourage you to read this Privacy Policy regarding the collection, use, and disclosure of your information from time to time to keep yourself updated with the changes & updated that we make to this Policy.

1.    Information we collect

The following information is collected by or on behalf of Investnama.

1.1 Information You provide us

When you start using the Investnama App, we ask you to provide certain information as part of the registration process, and in the course of your interface with the Investnama App. We will collect this information through various means and in various places through the Investnama App, including account registration forms, contact us forms, or when you otherwise interact with Investnama including at customer support.

Pursuant to the services consumed by You from time to time, we may explicitly seek additional information including address, mobile number, email address and any other governmental identification numbers or documents. You may choose to provide such information if you wish to use the services provided by the App.

We will also maintain a record of the information you provide to us when using customer support services.

1.2 Information created when You use the Investnama App

We collect information relating to your use of our website/app through the use of various technologies. Further, when you visit our website/app, we may log certain information such as your mobile operating system. We will also collect information about the pages you view within our sites and other actions you take while visiting our website/app.

We also maintain some records of users who contact us for support, for the purpose of responding to such queries and other related activities. However, we do not provide this information to any third party without your permission, or utilize the same for any purposes not set out here under.

1.3 Information We Collect from Third Parties

We may, on your consent, request certain third parties to provide information about you to further personalize your experience on our website/app, and provide certain services that cannot be accessed by all users of the website/app.

If you choose to link and connect your email account with Investnama, we may access the said account for purposes including collecting your financial information such as current amount, invested amount and such other financial and transactional information to be able to do the following:

a) Show all your investment portfolio information at one place.

b) Provide an insight into your financial investment to ensure you are aware of your investment.

Investnama access to the email account(s) is authorized through the email provider’s access mechanism. If you permit the Investnama website/app to track your mutual fund investments, the Investnama website/app will securely store account details for each of your email accounts, including your sign-in user name and authorisation tokens for tracked accounts.

You can choose to enable us to access one or more of your email accounts by explicitly consenting to each single account separately. Please note that your consent to any of the above is purely voluntary. You can de-link the access to your email any time you wish.

We only read emails related to financial services such as mutual fund invested amount, Nav units etc and do not open, read or access any personal e-mails. For the sake of clarity, Investnama employs automated processes for accessing and analysing information provided by you; where we may need to use our algorithm to access a password-protected document utilizing information provided by you.

2.    How We Use the Information we collect

We may use, store and process the information provided by you to (1) improve the services offered through the Investnama App, (2) create and maintain a trusted and safe environment on Investnama (such as complying with our legal obligations and compliance with our policies) and (3) provide, personalise, measure and improve our products and services.

The information collected through different channels, allows us to collect statistics about our website/app usage and effectiveness, personalise the experience for the users of the Investnama App / website, as well as to customize our interactions with you and to enhance the scope of the App Services. The following paragraphs describe in more detail how we use your personal information.

2.1 Providing, understanding and improving service offered through the Investnama App

Any information provided by you will be used for creating and updating your account and processing your transaction(s) or for any other purposes for which you have granted access to such information to us, based on your interaction with the Investnama App.

In connection with a financial transaction, we may also contact you as part of our customer satisfaction surveys or for market research purposes.

We may use the information collected to perform internal operations necessary to provide our services, including to troubleshoot software bugs and operational problems, to conduct data analysis, testing and research and to monitor and analyse usage and activity trends. We process this personal information for these purposes given our legitimate interest in improving the App Services.

In order to expand the scope of our services, we may from time to time, seek additional information from you. Any such collection of additional information and documents shall be subject to an explicit & purpose specific consent sought from all Users.

Investnama will securely store account details for each of your mutual fund investment, including your sign-in user name and authorisation tokens for tracked accounts. This information will be used to enable the Investnama website/app to automatically access your mutual fund investment statements to analyse, extract, and store information securely from such accounts for use on the Investnama app or website.

2.2 Safety, security and resolution of issues

We may use the information to create and maintain a safe environment and use the same to detect and prevent fraud, span, abuse, security incidents and other harmful activity.

We use the information we collect (including recordings of customer support calls) to assist you when you contact our customer support services to investigate and resolve your queries, monitor and improve our customer support responses. Certain online transactions may involve us calling you. This may also involve online chats. Please be aware that it is our general practice to monitor and, in some cases, record such interactions for staff training or quality assurance purposes or to retain evidence of a particular transaction or interaction.

We intend to protect your personal information and to maintain its accuracy as confirmed by you. We implement reasonable physical, administrative, and technical safeguards to help us protect your personal information from unauthorised access, use, and disclosure. For example, we encrypt all sensitive personal information such as mutual fund investments information when we transmit such information over the internet. We also require that our commercial partners and vendors protect such information from unauthorised access, use, and disclosure.

We blend security at multiple steps within our products with state-of-the-art technology to ensure our systems maintain strong security measures. The overall data and privacy security design allows us defend our systems ranging from low hanging issue up to sophisticated attacks.

We are committed to protecting your data as if it were our own. If you are a security enthusiast or a researcher and you have found a possible security vulnerability on Investnama products, we encourage you to report the issue to us responsibly. You could submit a bug report to us at tech@investnama.com with detailed steps required to reproduce the vulnerability. We shall put best of our efforts to investigate and fix the legitimate issues in a reasonable time frame, meanwhile, requesting you not to publicly disclose it.

2.3 Sharing and Disclosure of data with Third Parties

As required by law, at times we might be required to disclose your personal information including personal, transactional and financial information to relevant regulatory, and governmental authorities and also to our advisors such as law firms and audit firms while responding to request from the regulatory authorities. In some cases, when we believe that such disclosure is necessary to protect our rights, or the rights of others, or to comply with a judicial proceeding, court order, or legal process served on our website/app we would share such information pursuant to a lawful request from law enforcement agencies.

Subject to explicit and prior consent from a you, we may use information created by your use of our App, not including information collected from other sources such as e-mails etc. for marketing purposes. This consent is purely voluntary and you may at any time choose not to receive marketing materials from us by following the unsubscribe instructions included in each e-mail you may receive, by indicating so when we call you, or by contacting us directly. Further, if you want to remove your contact information from all our lists and newsletters, please click on the unsubscribe button on the emailers or send an email request to support@investnama.com

Subject to explicit and prior consent from you, we may disclose certain information that is created by your use of our App to Investnama For the sake of clarity, we do not sell or lease such information.

Some of our campaigns/programmes/related events may be co-branded, that is sponsored by both the third parties and us. If you sign up for such campaigns/programmes/related events, please note that your information may also be collected by and shared with those third parties. We urge you to familiarise yourself with their privacy policies to gain an understanding of the manner in which they will handle information about you.

3.    Account Deletion

We provide all our Users an option to request the deletion a specific account through the support section on the Investnama App. Following such request, we delete all such information related to the specific account including but not limited to profile information, mutual fund investment data, transaction details, reward details, referrals details, statement details, google OAuth sessions etc. that we are not required to retain.

You also have the option to request for an account deactivation/archival instead. This will temporarily block your access to Investnama App until you send a re-activation request on support@investnama.com and successfully re-activate your account.

4.    Cookies

We use data collection devices such as “cookies”, etc. on certain parts of the App to help analyse the App Services, user interaction with the App, measure promotional effectiveness, and promote trust and safety. For the sake of clarity, “cookies” are small files placed on your device hard-drive/storage that assist us in providing the services offered through the App. Please be informed that we offer certain features via the App that are only available through the use of a “cookie”.

We also use cookies to allow you to enter a particular password less frequently during a session. Cookies also help us obtain information that assists us in curating the Services more targeted to your interests. You are always free to decline our cookies if your device permits, although in that case you may not be able to use certain features on the app and you may be required to provide a password more frequently during a session.

5.    Changes to Privacy Policy

Investnama reserves the right to change this policy from time to time. Any changes shall be effective immediately upon the posting of the revised Privacy Policy. We encourage you to periodically review this page for latest information on our privacy practices.

6.    Privacy Questions and Access

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our “Contact Us” page or at support@investnama.com. In certain cases, you may have the ability to view or edit your personal information online. In the event your information is not accessible online and you wish to obtain a copy of particular information you provided to us, or if you become aware the information is incorrect and you would like us to correct it, please contact us immediately.

7.    Compliances

Investnama’s use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.