"KaliWealth" is a brand name used by Shreyas Kali, an individual AMFI-registered Mutual Fund Distributor (ARN-301185), held on an individual basis ("KaliWealth", "we", "us", or "our"). We are committed to protecting your privacy. This Privacy Policy explains what information we collect when you use our website and mobile application (together, the "Platform"), how we use it, and the choices you have. By using the Platform, you agree to the practices described here.
1. Information we collect
We collect information that helps us provide goal-based investment distribution and coaching, and to comply with regulatory obligations:
- Account details — name, email address, mobile number, and login credentials.
- KYC information — PAN, Aadhaar (as permitted by law), date of birth, address, photograph, and bank details, collected to complete your Know Your Customer verification through a SEBI-registered KRA.
- Financial information — income range, goals, risk profile, holdings, and transaction history relevant to your investments.
- Behavioural inputs — responses to your investor snapshot and journal entries you choose to record.
- Usage data — device information, app and page interactions, and approximate location, collected automatically to operate and improve the Platform.
2. How we use your information
- To open and operate your account and complete KYC verification.
- To facilitate the purchase, redemption, and tracking of mutual funds and other products you choose, through the relevant Asset Management Companies (AMCs) and registrars.
- To personalise your snapshot, plan, nudges, and adviser interactions.
- To send service communications, statements, and regulatory notices.
- To detect fraud, ensure security, and comply with applicable laws.
3. How we share information
We do not sell your personal information. We share it only as needed to deliver the service or meet legal requirements, including with:
- AMCs, Registrar and Transfer Agents (RTAs), and KYC Registration Agencies (KRAs) to process and maintain your investments.
- Payment and authentication providers, and technology service providers acting on our behalf under confidentiality obligations.
- Regulators, courts, or law-enforcement authorities where required by law.
4. Data security
We use industry-standard safeguards — including encryption in transit, access controls, and secure infrastructure — to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
5. Data retention
We retain your information for as long as your account is active and thereafter for the period required to meet legal, regulatory, and record-keeping obligations applicable to distributors of financial products in India.
6. Your rights
Subject to applicable law, you may access, correct, or request deletion of your personal information, and withdraw consent where processing is based on consent. To exercise these rights, contact us using the details below. Certain regulatory records may need to be retained even after account closure.
7. Cookies
Our website uses essential cookies to operate, and may use analytics cookies to understand usage. You can control cookies through your browser settings. Disabling some cookies may affect functionality.
8. Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be notified through the Platform. The "last updated" date above reflects the latest revision.
9. Contact us
For privacy questions or requests, write to us at hello@kaliwealth.in or at our registered address: [registered office address].