Privacy Policy

1. Who we are and what this policy covers

ProsperEdge Financial Services Private Limited, based in At Mohanpur, Block Hiranpur, District Pakur, Jharkhand – 816107, respects your privacy. In this policy, “we”, “us” and “our” mean ProsperEdge Financial Services Private Limited.

This policy explains what personal data we collect through this website, by phone, WhatsApp and email, and when you become a client; why we use it; who we share it with; how long we keep it; and your rights under India’s Digital Personal Data Protection Act, 2023 (DPDP Act) and the rules made under it. For the personal data you share with us, we are the “data fiduciary” under the DPDP Act.

2. Personal data we collect

When you send us a message through our contact form

We collect your name, phone number, email address and message. Only your name and phone number are required; the rest is optional. The form also records the date and time, the page you sent it from, your IP address and your browser type. We use these technical details only to prevent spam and misuse.

When you call, WhatsApp or email us

We receive your phone number or email address, your name and whatever you choose to tell us, such as your financial goals or questions.

When you book a consultation online

Our booking page is provided by Google Calendar. It asks for your name and email address and the time you choose, and Google handles this information under its own privacy policy.

When you become a client

To complete your KYC and process your investments, we collect the information that fund houses and KYC rules require. This can include your PAN, proof of identity and address, date of birth, bank account details, nominee details, income range and risk profile. We also note your financial goals and existing investments so that our planning fits your situation.

When you browse this website

Like most websites, our web hosting keeps standard server logs (IP address, browser type, pages requested, date and time) to keep the website secure and running. We do not use them to identify you.

3. Why we use your data

We use your personal data only for these purposes:

• To reply to your enquiry and arrange a consultation.
• To provide the services you ask for, such as financial planning, completing your KYC and processing your mutual fund transactions with the fund houses.
• To service your investments, for example with reviews, reminders and service messages.
• To send you occasional updates or educational content, only if you agree. You can opt out at any time.
• To meet our legal and regulatory obligations, such as KYC and record-keeping rules.
• To keep this website secure and to prevent spam and misuse.

We do not sell your personal data, and we do not use it for any purpose other than the one you shared it for.

4. Your consent

We process your personal data with your consent, which you give when you send us the form, contact us or become a client. We may also process it without separate consent where the DPDP Act allows this, for example to comply with the law.

You can withdraw your consent at any time by contacting us, and it is as easy to withdraw as it was to give. Once you withdraw it, we stop processing your data unless the law requires us to keep it. Withdrawing does not affect anything we did before. If you are a client, we may then be unable to service your investments, but your investments stay in your own name with the fund house.

5. Who we share it with

We share personal data only when it is needed to serve you, and only as much as is needed:

• Fund houses (AMCs) and their registrars (RTAs), such as CAMS and KFintech, to process your investments and service your folios.
• KYC Registration Agencies (KRAs), to complete or check your KYC.
• Service providers that help us run our business, such as our website hosting and email providers. They must keep your data confidential and may use it only to provide their service to us.
• Government, regulatory or law enforcement authorities, when the law requires us to.

We never sell, rent or trade your personal data, and we never share it with anyone for their own marketing.

6. How long we keep it

• Enquiries. If you contact us but do not become a client, we keep your details only as long as needed to reply and follow up, and delete them within 12 months of our last contact, or sooner if you ask.
• Client records. We keep them while you are a client and afterwards for as long as applicable laws and regulations require, including KYC and record-keeping rules. We then delete them securely.
• Server logs. Our hosting provider keeps them for a limited period for security.

7. How we protect it

We use reasonable security safeguards to protect your personal data. These include giving access only to people who need it, protecting our accounts and devices with passwords, and storing documents securely. No method of storing or sending data is completely secure, but we work hard to protect yours.

If a personal data breach ever affects you, we will inform you and the Data Protection Board of India as the DPDP Act requires.

8. Your rights

Under the DPDP Act you have the right to:

• Access a summary of the personal data we hold about you, how we use it and who we have shared it with.
• Correct, complete or update your personal data.
• Erase your personal data, unless the law requires us to keep it.
• Withdraw your consent at any time.
• Raise a grievance with us about how we handle your data. If you are not satisfied with our reply, you can complain to the Data Protection Board of India.
• Nominate another person to exercise these rights for you if you die or become unable to do so yourself.

To use any of these rights, contact us using the details below. We may ask you to confirm your identity first, and we aim to respond within 7 working days.

9. Cookies and analytics

Cookies are small text files that a website stores in your browser. This website uses only the cookies it needs to work, for example to remember your details if you choose to when leaving a comment. We do not use advertising cookies, and we do not use analytics or tracking tools.

If we add analytics in future, such as Google Analytics, we will update this policy first and, where the law requires, ask for your consent. You can block or delete cookies in your browser settings at any time; the website will still work.

10. Children’s data

This website and our services are meant for adults. If you are under 18, please ask a parent or guardian to contact us. When a parent or guardian invests for a child, for example in a mutual fund folio in the child’s name, we process the child’s data only with the guardian’s consent and only for that purpose.

11. Other websites and services

This website links to other websites and services, such as WhatsApp, Google Calendar, YouTube, fund house websites, SEBI and AMFI. The video on our home page loads from YouTube only when you press play. When you use them, their own privacy policies apply. We are not responsible for how they handle your data, so we encourage you to read their policies.

12. Contact us about privacy

For any privacy question or request, please contact Ritesh Kumar. Mention “Privacy request” so that we can deal with it quickly.

• ProsperEdge Financial Services Private Limited
• At Mohanpur, Block Hiranpur, District Pakur, Jharkhand – 816107
• contact@prosperedge.co.in
• +91 96314 42345

13. Changes to this policy

We may update this policy from time to time, for example when the law changes or we start using a new service. The latest version is always on this page, with the date it was last updated at the top. Please also read our Terms & Conditions.