Thank you for visiting www.ratnifinserv.com We at Ratni Finserv respect your privacy and consider it an important element of our service. Our privacy policy is straightforward. We do not collect personal information about you when you visit our website unless you volunteer to provide that information to us. This is broadly how we handle the information we gather.

Ratni Finserv and its affiliates and subsidiaries, including (“we” or “us”), are committed to protecting and respecting your privacy. This privacy policy (“Privacy Policy”) sets out our policies and procedures for collecting, using, maintaining, protecting and disclosing information provided to us by you or updated when you access or browse our website/application. This Privacy Policy applies to information we collect:

• On our website www.ratnifinserv.com
• In e-mail, text and other electronic messages between you and us that are related to the services that we are providing to you.
• Through mobile application or through any third-party services.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. This Privacy Policy governs your use of our services, and by accessing or using our Sites you agree to this Privacy Policy and your consent to the collection, transfer, processing, storage, disclosure and other uses described in this Privacy Policy. If you do not agree with our policies and practices, your choice is to not use our website, applications, etc.

If you have any questions or concerns regarding this statement, you should contact us at contact@ratnifinserv.com.

This Policy forms part and parcel of the Terms of Use and other terms of Ratni Finserv. The Privacy Policy should always be read in conjunction with the Terms of Use and specific products/services related terms and conditions, disclaimers, and undertakings.

The term “User” for the purposes of this Privacy Policy shall mean You, in the capacity of an individual, a guest user, browser and/or representative of an entity, who visits, accesses, uses, downloads, deals with, avails Products & Services and/or transacts through Ratni Finserv. For the purpose of this Policy, wherever the context so requires “You” or “Your” shall mean User and the term “We”, “Us”, “Our” shall mean Company.

This Privacy Policy is applicable to You as a User of the Ratni Finserv Products and Services. For the sake of clarity, the term “Company/ firm/ entity” shall be construed to mean either Ratni Finserv, as the context may so require i.e., based on the purpose for which the information is given (i.e., which product/services you intend to avail).

Based on the Products/Services You avail or intend to avail, it will be construed that the respective Company (which is offering such Products/Services) is collecting the data from You. Any Information, that You submit while availing Ratni Finserv’s Products and Services, you hereby agree and acknowledge that You submit Your Information.

Please note that in the event You do not agree to any or all the clauses of the Terms of Use, Privacy Policy and product-specific Terms and Conditions or in case You do not wish to provide any information, including personal or personally identifiable information, then Company may not be in a position to offer You all or some of the product/Services, including without limitation, certain features of the Ratni Finserv, and may even restrict You (partially or fully) from accessing the Ratni Finserv Platform. Further, if You do not agree to this Privacy Policy, Terms of Use, User Undertakings and/or product-specific Terms and Conditions, you may also not register with Ratni Finserv, not avail Our Services and kindly deregister from Ratni Finserv and stop using Our Products/Services. We shall not be held responsible and/or liable for any denial of Service due to User not providing the required information.

You must be a natural person who is at least 18 (eighteen) years of age. You must not misrepresent Your identity. The right to use Ratni Finserv is personal to the User and is not transferable to any other person or entity. The Company presumes adequate and lawful parental consent in case the Personal Information is shared by a User under the age of 18 years.

As we update, improve, and expand the services, this policy may change. Hence, we urge you to refer to it periodically. By continuing to access the products/services and using the Sites, it is deemed that You understand and agree to this Privacy Policy and consent to the collection, storage, and use of the personal information provided by You (including any changes thereto) for any of the Services that the Company provides.

The information about the User as collected by the Company is: (a) information provided by Users and (b) information automatically tracked while a user uses the Platform (c) information collected from any other source (d) information generated while availing Our Services including but not limited to transactional information (collectively referred to as “User Information” or “Information”).

The Company respects the privacy of the Users, understands the sensitivity of the information, and is committed to protect it in all respects.

Information Collection

The types of information we collect depend on whether you are a User or Client. We collect Personal Data from you when you voluntarily provide information to us. Examples of instances when we collect Personal Data include when you answer questions on our website or in physical documents provided by you to determine what kind of portfolio we might recommend if you were to become a client, when you register to open an account, when you contact our client service organization with questions or when you become a client. Wherever Ratni Finserv collects Personal Data, we make an effort to link to this Privacy Policy.

We collect user-submitted account information by which you may be personally identified, such as name, email address, and other personal details by which you may be contacted online or offline with notifications related to the use of the services offered by the Site (“personal information”). We maintain information submitted by you while registering with us. We also collect information from you when you send us feedback as well. We also collect information which is not explicitly submitted by the user like browser-type related information, IP address, requested URL, referring URL, and timestamp. See “Use of Cookies and IP Address” below. If you choose to use our Goal Tracker service then we will collect data submitted by you.

Additional Information Collected for Operations for the Paid Service

We may collect additional information provided by users in relation to our services in order to give Portfolio related guidance to users. We may collect other information from you during your use of the paid service. The information we collect may include but is not limited to your name, age, salary, financial account information, contributions, investment holdings and preferences, and contact information.

We keep records of our services, which may include but are not limited to records of the dialogue that we exchange with you, your use of our services, and your communications to us about our services.

Promotional Communication from the Website

We 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, market 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, notifications 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 Ratni Finserv.

From time to time, we 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.

Blogs or Forums

If you use a blog or other publicly published content produced by us, you should be aware that any personal information you submit there can be read, collected, or used by other users of the blog, and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit on the blogs or third-party applications.

Paid Service

Your personal, investment, and forecast information is maintained by us in order to provide you with customized investment services and to fulfil our legal and regulatory requirements. By having more information about you, we are able to customize our services to your particular investment preferences.

Service-related Announcements

We will send you service-related announcements on the occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature.

Use of Cookies and IP Address

Ratni Finserv uses cookies to track use of the website and to improve the service experience. A cookie is a small data file that is stored on your computer’s hard drive by your web browser. Cookies enable us to tailor our offerings to your preferences and to improve our site by analyzing usage. For instance, we use cookies to remember your login information and to store the time zone you selected for future visits. Most web browsers are set to accept cookies by default. If you prefer, you can usually modify your browser setting to decline cookies. However, if you choose to decline cookies, you may not be able to fully experience the features of our website. To learn more about how we use cookies, see our Cookie Policy.

Links to Other Websites

Our website may contain links to other websites, including those of our partners, advertisers, and affiliates. We do not control these websites, and this Privacy Policy does not apply to them. We recommend reviewing the privacy policies of any third-party websites you visit.

Security

We take reasonable precautions to protect your personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, please remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our website before the change becomes effective, and we will update the “effective date” at the top of this Privacy Policy.