Table of Contents
1. Information We Collect
eNivesh Financial Services collects personal information to provide financial advisory and investment services. We may collect the following categories of data:
Information you provide directly:
- Full name, date of birth, and contact information (phone number, email, postal address)
- PAN number and KYC documents for regulatory compliance
- Bank account and financial details required for investment onboarding
- Risk profile information and investment preferences
- Enquiry messages and communication through our contact forms
Information collected automatically:
- IP address, browser type, and operating system
- Pages visited, time spent on site, and referring URLs
- Device identifiers and session data via cookies
2. How We Use Your Information
We use the personal information we collect for the following purposes:
- To provide, manage, and improve our financial services
- To process investment instructions and KYC verification as required by SEBI/AMFI/IRDAI
- To respond to your enquiries and schedule appointments
- To send you relevant updates, market insights, and information about our services (with your consent)
- To comply with applicable laws, regulations, and legal obligations
- To detect, prevent, and address fraud or security issues
- To analyse website usage and improve user experience
3. Legal Basis for Processing
We process your personal data on the following legal grounds:
- Contractual necessity: Processing required to deliver the financial services you request.
- Legal obligation: Compliance with SEBI regulations, PMLA (Prevention of Money Laundering Act), and KYC norms mandated by regulatory authorities.
- Legitimate interests: Fraud prevention, business analytics, and network/information security.
- Consent: For marketing communications and non-essential cookies.
4. Data Sharing & Disclosure
eNivesh Financial Services does not sell your personal data to third parties. We may share your data in the following limited circumstances:
- Regulatory bodies: SEBI, AMFI, IRDAI, Income Tax Department, and other authorities as required by law.
- Partner institutions: IIFL Capital Services Ltd., mutual fund houses, insurance companies, and banks — solely for the purpose of executing your investment instructions or providing services you have requested.
- Technology service providers: Trusted vendors who process data on our behalf (e.g., cloud hosting, analytics), bound by confidentiality agreements.
- Legal proceedings: When required by a court order, government directive, or applicable law.
All third parties with whom we share data are required to maintain appropriate data security standards.
5. Data Retention
We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law:
- KYC and investment records: Minimum 8 years as mandated by SEBI and PMLA regulations
- Insurance policy records: Duration of policy plus applicable statutory period
- General enquiry data: Up to 2 years from last interaction
- Website analytics data: Up to 26 months
After the applicable retention period, data is securely deleted or anonymised.
6. Data Security
We implement robust technical and organisational security measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include:
- SSL/TLS encryption for all data transmitted through our website
- Restricted access controls — only authorised personnel can access personal data
- Regular security assessments and staff training on data protection
- Secure physical document storage and disposal procedures
While we take every reasonable precaution, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but commit to promptly notifying you of any breach that affects your rights.
7. Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience. Types of cookies we use:
- Essential cookies: Necessary for the website to function correctly. Cannot be disabled.
- Analytics cookies: Help us understand how visitors interact with our website (e.g., Google Analytics). You may opt out via browser settings.
- Preference cookies: Remember your settings and preferences for future visits.
You can control or delete cookies through your browser settings at any time. Disabling certain cookies may affect website functionality.
8. Your Rights
Subject to applicable Indian law, you have the following rights regarding your personal data:
- Right of access: Request a copy of the personal data we hold about you.
- Right to rectification: Request correction of inaccurate or incomplete data.
- Right to erasure: Request deletion of data where there is no legal obligation to retain it.
- Right to object: Object to processing based on legitimate interests or for direct marketing.
- Right to withdraw consent: Withdraw consent for marketing at any time without affecting prior processing.
To exercise any of these rights, please contact us at info@enivesh.in. We will respond within 30 days.
9. Children's Privacy
Our services are intended for adults aged 18 years and above. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete such data promptly.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, regulatory requirements, or for other operational reasons. When we make significant changes, we will notify you by updating the "Last updated" date at the top of this page.
We encourage you to review this Privacy Policy periodically. Your continued use of our website and services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
For any privacy-related questions, data requests, or complaints, please contact our Data Protection Point of Contact:
- Email: info@enivesh.in
- Phone: +91-9031831828
- Address: eNivesh Financial Services, Bailey Road, Patna – 800014, Bihar, India
If you are not satisfied with our response, you may also lodge a complaint with SEBI's SCORES platform at scores.sebi.gov.in.