Disclaimer

Expowealth-FAQ

Expowealth Privacy Policy

The objective of this Privacy Policy is to set forth the reasonable security practices and procedures adopted by Expowealth Technologies Private Limited (“EXPOWEALTH”) and shall apply to the use and disclosure and sharing of sensitive personal data or information (“Personal Information”) provided by the registered users of the website www.expowealth.in which is owned and operated by EXPOWEALTH.

EXPOWEALTH value’s the customer’s trust and opportunity to do business. To provide you with a convenient and safe online experience, we have implemented measures to protect the confidentiality, integrity, and security of your Personal Information, during storage and transmission through the World Wide Web/internet. This Privacy Policy explains how we protect Personal Information provided by you through the Website and how we store and use that information.

This Privacy Policy is subject to change at any time at the discretion of EXPOWEALTH, without in any manner prejudicing the rights of the Customer. It is advised that you review this Privacy Policy periodically. This Privacy Policy is subject to the Terms of Use of the Website.


Collection of Customer’s Personal Information

The Website’s interface provider i.e. MFU would require registration, which requires you to provide your details such as an email address, a password and other information as required by the website, MFU or regulators.

You would be required to provide Personal Information like your Name, PAN, Bank Account Number [“KYC information”] at the time of registration /activation of such facility. The collection of these KYC Information is obligatory pursuant to regulatory requirements in order to activate and enable the online transactions of mutual funds with AMCs. Such KYC information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/EXPOWEALTH/AMCs/RTAs/authorised service providers/payment gateway providers in order to enable/ facilitate/ complete/ process online Mutual Fund transactions and report/statement generation.

From time to time, the Website may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information as per your choice.


Use of Customer’s Personal Information

The Website uses and discloses your Personal Information only as follows:

To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website

To deliver to you any administrative notices, money alerts, advice, notifications and communications relevant to your use of the Services.

To analyze Website usage and improve the services offered

For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity

To Third Party Service Providers that provide services to EXPOWEALTH and are bound by these privacy restrictions

To improve features, tailor the Website to suit your requirements, interests, and to get in touch with you whenever necessary for various purposes

For any of these purposes, we may use group companies / affiliates, third party vendors, agents, contractors, consultants or service providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) We may also use them to help us in providing the features of the Website, such as sending email messages on our behalf, collecting subscription fees for such services, and notifying or contacting you regarding any problem with such Services or hosting and operating a particular feature or functionality. Such Third Party Service Providers are bound by privacy restrictions which are similar to the restrictions mentioned in this Policy. The information is disclosed on the need-to-know basis.


Sharing and disclosure of Personal Information

We will not share, sale, trade or rent your Personal Information with any affiliated or unaffiliated third parties. Further, we will also not disclose your Personal Information with any affiliated or unaffiliated third parties, except as mentioned above and also to:

Provide you the product and services

Transaction processing and report generation

Conform with any legal requirements or comply with legal process (es)

Enforce the terms and conditions of the products or services

Protect the interests of EXPOWEALTH, its Affiliates, or its members, constituents, or of other persons

EXPOWEALTH may make anonymous or aggregate Personal Information, and disclose or use such data only in a non-personally identifiable manner for purposes of research, advertising, comparison to organizations approved by EXPOWEALTH.


Promotional Communication from the Website

The Website would provide you with periodic summaries of your Account Information and send email / SMS alerts. The Website also allows you to subscribe to email content, newsletters, research information, notifications and from time to time may transmit emails / SMS promoting the Website or third-party products or services. You have the ability to opt-out of receiving our promotional emails / SMS, notification and to terminate your newsletter subscriptions or notification facility as the case may be by following the instructions on the Website. Opting out in this manner will not end transmission of service-related emails / SMS - such transactional alerts that shall continue till you avail the services of The Website.

From time to time, the Website may offer you the opportunity to participate in surveys, contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for those surveys, contests, giveaways or promotions.


Third Party Services and Websites

You should be aware that EXPOWEALTH may permit third parties to offer subscription and/or registration-based services through the Website. EXPOWEALTH is not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third party when providing personally identifiable information. Further, EXPOWEALTH will not be responsible if you do not get the benefits announced, if any, by the third parties permitted to offer subscription and registration based services or offer/deals/cash back/discounts offered by third party or as available on its Website.


Blogs and other Forums on the Website

If you use a bulletin board, blog or chat room on the Website, you should be aware that any information you submit there can be read, collected or used by other users/visitors and could be used to send you unsolicited messages. The Website and EXPOWEALTH are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website or by our third Party Service Providers on EXPOWEALTH’s behalf.


Use of Cookies and online session information

The Website will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies" sent to your browser from a web server or other means. “Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive.

The Website uses cookies for a number of purposes. For instance, to enable us to simplify the logging on process for registered users, to help ensure the security and authenticity of registered users, etc. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the services may be impaired for you.


Data Security

When you register for the Services, the Website requires a Login ID and a password from you for your privacy and security. You are responsible for maintaining the confidentiality of your Login ID and password and you may not provide these credentials to any third party. We recommend that you change your password periodically.

Your password must conform to standards and, as a security feature the Website may automatically reject weak passwords. We shall not be responsible if someone else accesses your account through Login ID and password they have obtained from you or through a violation by you of this Privacy Policy or the Website’s Terms of Use.

While accessing your linked accounts online or linked credit cards, the Website use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session, and to protect Website accounts and systems from unauthorized access. From the time you submit your Login ID and password, these communications between your computer/mobile and the Website are encrypted using at least 128-bit secure socket layer technology (SSL). This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website also encrypts your Website/Mobile App password so that your password cannot be recovered, even by us.

In respect of KYC information provided by you for enabling the online mutual fund transactions and the mutual fund transaction details, such information would be also available with third party technology service provider/AMCs/RTAs/authorised service providers and treated as proprietary and confidential in nature by them and to be used/shared/maintained/processed by them only on need to know basis for service enablement.