1. Who We Are
Chavan Capital is an AMFI Registered Mutual Fund Distributor operating under ARN-324301, with its registered office at Chaware Complex, Solapur Road, Madha, Tal. Madha, Dist. Solapur, Maharashtra – 413209.
This Privacy Policy applies to all personal data collected through our website chavancapital.com, WhatsApp communications, in-person meetings, phone calls, and any other interactions you have with Chavan Capital in connection with our financial distribution services.
By using our website or engaging with our services, you acknowledge that you have read and understood this Privacy Policy.
2. Information We Collect
We collect personal information that is necessary for providing investment distribution services and meeting regulatory compliance obligations under AMFI, SEBI, and applicable Indian law.
Information you provide directly:
- Full name, date of birth, gender
- PAN card number and Aadhaar number (for KYC compliance)
- Residential and correspondence address
- Mobile number and email address
- Bank account details and IFSC code (for SIP mandate and redemption)
- Nominee details
- Financial information including income range, investment objectives, and risk profile
- Queries, feedback, and messages submitted via contact forms or WhatsApp
Information collected automatically:
- IP address, browser type, and device information
- Pages visited and time spent on our website
- Referral source and search terms used to find our website
3. How We Use Your Information
Your personal information is used exclusively for the following purposes:
- Processing your mutual fund investment transactions through registered AMCs
- Conducting KYC (Know Your Customer) verification as mandated by AMFI and SEBI
- Providing personalised investment advice, portfolio reviews, and financial planning guidance
- Sending account statements, transaction confirmations, and regulatory notices
- Communicating market updates, scheme-related information, and educational content (with your consent)
- Responding to your queries and service requests
- Meeting legal, regulatory, and compliance obligations
- Improving our website and service quality through analytics
We do not use your personal data for unsolicited marketing, do not sell your data to third parties, and do not engage in automated decision-making that adversely affects you.
4. Data Sharing and Disclosure
Chavan Capital shares your personal data only in the following limited circumstances:
With AMC Partners: We share your KYC and transaction data with the specific Asset Management Companies (SBI MF, HDFC MF, ICICI Prudential MF, etc.) through which you choose to invest. This is required to process your investment and is strictly governed by AMFI regulations.
With Regulatory Authorities: We may disclose your information to AMFI, SEBI, income tax authorities, or other government bodies when required by law, court order, or regulatory directive.
With Technology Partners: Our investment processing platform (InvestWell) may access your data to the extent required to execute transactions. They are bound by their own privacy policies and regulatory compliance obligations.
We will never:
- Sell, rent, or lease your personal data to any third party
- Share your data for advertising or marketing purposes without your explicit consent
- Transfer your data outside of India without adequate safeguards
5. Data Security
We implement industry-standard security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction:
- All data transmissions on our website use SSL/TLS encryption (HTTPS)
- Investment transaction platforms use 256-bit encryption
- Access to client data is restricted to authorised personnel only
- Physical documents containing sensitive information are stored securely
- Regular review of our data handling and security practices
While we take all reasonable precautions, no method of transmission over the internet is 100% secure. We encourage you to exercise caution when sharing sensitive information over any digital channel.
6. Cookies and Website Analytics
Our website uses minimal cookies and analytics tools to improve user experience:
- Essential cookies: Required for the website to function correctly (session management, form submissions).
- Analytics cookies: Used to understand how visitors interact with our website (pages visited, time on site). This data is aggregated and anonymised.
- Google Fonts: Our website loads fonts from Google's servers, which may collect basic request data per Google's privacy policy.
You can disable cookies in your browser settings at any time. Disabling essential cookies may affect website functionality.
7. Your Rights
As an individual whose data we process, you have the following rights under applicable Indian data protection laws:
- Right to Access: Request a copy of the personal data we hold about you
- Right to Correction: Request correction of inaccurate or incomplete personal data
- Right to Erasure: Request deletion of your personal data, subject to our legal and regulatory retention obligations
- Right to Withdraw Consent: Withdraw consent for marketing communications at any time
- Right to Grievance: Lodge a complaint with us or with AMFI/SEBI if you believe your data has been mishandled
To exercise any of these rights, contact us at contact@chavancapital.com or call +91 90673 55333. We will respond within 30 days.
8. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable laws and regulations.
- KYC and investment records: Minimum 5 years after the end of the client relationship, as required by PMLA 2002 and AMFI guidelines
- Transaction records: As required under applicable income tax and financial regulations
- General correspondence and queries: Up to 3 years
- Website analytics data: Up to 2 years in aggregated form
Upon expiry of the retention period, data is securely deleted or anonymised.
9. Children's Privacy
Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal data from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we will delete such data promptly.
For minor investors (e.g., investments in a child's name under a guardian), all KYC and data processing is done through and with the consent of the legal guardian.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, regulatory requirements, or for other operational reasons. The "Effective Date" at the top of this page will always reflect the date of the most recent revision.
For material changes, we will notify you via email (if we hold your email address) or by posting a prominent notice on our website. Your continued use of our services after the updated policy is posted constitutes your acceptance of the changes.
11. Contact & Grievance
For any privacy-related queries, requests, or complaints, please contact: