Effective Date: 24-05-2023
We are committed to keeping your data secure, your private information private, and being transparent about our practices.
Enjoying Wealth is committed to operating its website and mobile applications with the highest ethical standards and appropriate internal controls. We take your privacy extremely seriously. Your privacy is important to us and maintaining your trust is paramount. This Privacy Policy explains how Enjoying Wealth collects, uses & protects your information when you access Enjoying Wealth website(s) & mobile apps (collectively referred to as “Services” or “Application”). We encourage you to read this Privacy Policy. By using Enjoying Wealth Services you agree to the terms of the Privacy Policy. If you are not comfortable with any of the terms or policies described in this Privacy Policy, you may choose to discontinue usage of Enjoying Wealth Services. You can also email us at enjoyingwealthin@gmail.com to update or delete your personal information that Enjoying Wealth has collected.
Enjoying Wealth does not knowingly collect or solicit personal information from anyone under the age of 18. If you are under 18, please do not attempt to register for the Services or send any personal information about yourself to Enjoying Wealth . If Enjoying Wealth learns that we have collected personal information from a person under age 18, we will delete that information as quickly as possible. If you believe that a person under 18 may have provided us with personal information, please contact us at enjoyingwealthin@gmail.com
What Information does Enjoying Wealth collect?
We receive and store only that information you knowingly provide to us or with your explicit consent. You can always delete this information by writing to us at enjoyingwealthin@gmail.com
Below is the list of information we collect.
New Account : When you create a new account to use the Services we request for the following information :
• Mobile number, First name, last name, PAN number(Tax Number), email, date of birth
• Income slab, profession, address details, father’s name, mother’s name, tax residency, birth country, nationality, nominee details, gender, marital status
• Bank account number, your name on bank passbook and IFSC code of the bank.
Permanent Account Number (PAN No) & Bank account details that you will use for the purpose of investments and transactions.
KYC details: To comply with regulatory requirements, based on your explicit consent we fetch your KYC (Know Your Customer) details from regulated Central KYC Registry.
Investments information : We provide the following options for you to update your investment information in a secure manner :
(i) Upload your investment statements in PDF or Excel versions.
These are investment statements that you get from depositories or brokers or Registrar & Transfer Agents such as Computer Age Management Services, Karvy Fintech Private Limited, National Securities Depositories Limited, Central Depositories Services Limited, etc. You provide explicit consent to Enjoying Wealth to fetch these statements from https://new.camsonline.com/Investors/Statements/Consolidated-Account-Statement and https://mfs.kfintech.com/investor/General/ConsolidatedAccountStatement.
(ii) Enter the information manually
You provide investment details like scheme name, investment type, investment date and investment value by manually entering the data.
Why does Enjoying Wealth ask for this information?
Enjoying Wealth is a Wealth management platform that provides online financial services to you. We receive information you knowingly provide to Enjoying Wealth or with your explicit consent. This information enables you to organise and aggregate your financial information in one place on Enjoying Wealth Services. This also enables Enjoying Wealth to provide you analytics on your investments, liabilities & expenses all in one place. The information also enables Enjoying Wealth Application to help you assess your risk profile from time to time and create your investment plans and make decisions on investments & execute purchase and sale of investment products and also enables you to manage your taxation.
Cookies & Third Party Analytics Services
We use Local Storage Objects (LSOs) to store content information, preferences and to keep you signed-in. We identify user’s signed-in state with a token and a userid. The LSO token is expired when user logs out of our website or mobile application.
We do not collect any information about your online activity when you sign-out and/or leave our services.
We use third party analytics services in order to better understand user engagement with the Services. When a user browses or uses the Services, these third party analytics services may collect the user’s IP address, browser type, and approximate location (based on the IP address). They may also use web logs or web beacons and may set and access cookies on your computer or other device. In order to provide a superior user experience, we provide the third party analytics service providers with a user’s demographic information at Enjoying Wealth along with user’s movements on Enjoying Wealth website and mobile applications.
These third party analytics services may deploy cookies on your browser. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services that you do not wish such operators to track certain of your online activities over time and across different websites. Do Not Track signals are set on a browser-by-browser basis, so you must set them on every browser you use if you do not wish to be tracked.
We do not share and will never share any confidential data such as user’s investment details, contents of user’s gmail, bank details, transaction details, income or any other sensitive details with these third party analytics service providers.
Does Enjoying Wealth Share Personal Information?
We neither rent nor sell your personal information to anyone. However, we may share your Personal Information with third parties as described in this section:
1. We only transfer the data to others if necessary to provide or improve user-facing features that are prominent in the requesting application's user interface. We may also transfer data as necessary to comply with applicable law or as part of a merger, acquisition, or sale of assets with notice to users. All other transfers or sales of the user data are prohibited
2. We don't use or transfer the data for serving ads, including re targeting, personalized, or interest-based advertising; and
3. We don't allow humans to read the data, unless :
(a) We first obtain your affirmative agreement for specific purposes;
(b) It is necessary for security purposes (such as investigating a bug or abuse);
(c) It is necessary to comply with applicable law; or
(d) Our use is limited to internal operations and the data (including derivations) have been aggregated and anonymized.
These prohibitions of user of data apply to all the information/ data obtained from you with your explicit consent .Our employees, agents, contractors, and successors comply with this Policy.
Changes to Privacy Policy
Enjoying Wealth 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. While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically. If you are not comfortable with any of the changes to Privacy Policy you may choose to discontinue usage of Enjoying Wealth website or mobile applications. You can also email us at enjoyingwealthin@gmail.com to update or delete your personal information that Enjoying Wealth has collected.
Security and Responsible Disclosure
We at Enjoying Wealth are committed about our client's data and privacy. 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
If you are a security enthusiast or a researcher and you have found a possible security vulnerability on Enjoying Wealth, we encourage you to report the issue to us responsibly.
You could submit a bug report to us at enjoyingwealthin@gmail.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.
Additionally, if you have suggestions on how we could improve our security systems to make it more robust and safe for all users, you can share those with us at enjoyingwealthin@gmail.com
Privacy Questions and Access
If you have questions, concerns, or suggestions regarding our Privacy Policy, please contact us immediately at enjoyingwealthin@gmail.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 change or delete your personal information or other information that you may have provided, please contact us through website.
The Prevention of Money Laundering Act 2002 and SEBI (Investment Advisors) Regulations, 2013 require record retention for a period of up to 5 years post the deletion of your account. In the event of the pendency of any legal/ regulatory proceeding or receipt of any legal and/or regulatory direction to that effect, we may retain your information for a longer period.