We at Ratni Distributors respect your privacy and consider it an important element of our service. Our privacy policy is straight forward. 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 Distributors 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:

• • 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 ratnidistributors@gmail.com

This Policy forms part and parcel of the Terms of Use and other terms of Ratni Distributors. 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 Distributors. 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 Distributors Products and Services. For the sake of clarity, the term “Company/ firm/ entity” shall be construed to mean either Ratni Distributors, 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 Distributor’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 Distributors, and may even restrict You (partially or fully) from accessing the Ratni Distributors 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 Distributors, not avail Our Services and kindly deregister from Ratni Distributors 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 Distributors 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 collection, storage, and use of the personal information provided by You (including any changes thereto) for any of the Services that the Company provide.

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 Distributors 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, 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 Ratni Distributors.

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. If you do not wish to receive them, you have the option to deactivate your account.

Updating/Accessing Personal Information

If your personal information changes, or if you no longer desire our service, you may Deactivate your Account by emailing our Customer Support team at ratnidistributors@gmail.com. We will respond to your request within 30 days. Please note that even if we close your account, we may retain and use your information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements. Please also note that there might be latency in deleting information from our servers and backed-up versions might exist after deletion.

Use of Cookies and IP Addresses

As you navigate through and interact with our Sites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including browser-type related information, IP address, requested URL, referring URL, timestamp data, and other information help us diagnose problems with our servers, administer the Sites, and otherwise provide the highest possible level of service to you. In addition, we use this non-personal information to perform statistical analyses of user behaviour and characteristics in order to measure interest in and use of the various areas of the site.

Like most websites, the Site require cookies to function properly. Cookies are small text files that reside on a user’s computer and identify you as a unique user. We use cookies to refine our services and simplify the user experience.

We use a tracking utility company that uses cookies and Web beacons on our Sites and applications. We have no access to or control over these third-party tracking utilities. We also use cookies in conjunction with Google Analytics Demographics and other tools in order to better understand our visitors. Google Analytics collects information such as how often users visit our Sites, what pages they visit when they do so, and what other sites they used prior to coming to our Sites. We use the information we get from Google Analytics only to maintain and improve our Sites. Google Analytics does not collect your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personal information.

Disclosure/Transfer of Information

Some of the information you provide us is publicly exposed in an aggregated manner unless otherwise noted. However, except as set forth in this Privacy Policy, we do not sell, rent, share, trade or give away any of your personal information. We do not share your personal information for a third parties’ promotional use. We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• • To our subsidiaries and affiliates.
  • To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • We will disclose information about individual users to governmental or judicial authorities or law enforcement. Further, we may share information in order to investigate, prevent, or take action regarding illegal activities or suspected fraud, or to enforce or apply the terms and conditions of this Privacy Policy.
  • To fulfil the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.
  • To enforce or apply our Terms of Use.
  • If we believe disclosure is necessary or appropriate to protect our rights, property, or safety or the rights, property or safety of our customers or others.

We reserve the right to transfer your personal information in the event of a transfer of ownership of Ratni Distributors such as a restructuring, an acquisition by or merger with another company. In such an event, we will notify you before information about you is transferred and becomes subject to a different privacy policy.

We will notify you when information about you may be provided to third parties in ways other than explained above, and you will have the option to prevent such information sharing.

Security – To keep you and your data safe we have also implemented a number of security procedures, including:

Strong browser encryption – Connections between you and our servers are secured to industry standard specifications.

Secure servers – All your account information stored behind secure monitored firewalls in a secure facility that is safeguarded 24-hours-a-day.

Systematic procedures – We maintain continuous encryption, auditing, logging, backups, and safe-guarding of data.

Hacker checks – We run frequent internal and external security audits of our software and systems.

Additionally, we have built in a number of safeguards into our software, including:

Automatic Logout-If you are inactive for an extended period of time, we automatically log you out so unauthorized people cannot access your account.

Contact Information Confirmation– All changes to your contact information are verified with you before we make any changes.

Personalized Email– Emails coming from Betterment will generally address you by name, so you can be confident we know who you are and the email is coming from us.

Account Ownership Verification- We verify that you have proper access to any external checking account that we electronically link to. This helps prevent people from opening an account in your name and moving money out of your external account.

Identity Verification- We run thorough identity verification checks on new customers to determine if the identity information provided is accurate and not suspicious or on any government watch lists.

Customer Preferences and Opt-out Choices

We may also use your information to contact you about our services that may be of interest to you. If you do not want us to use your information in this way, please provide notice to us through one of the following ways:

• • To opt-out of receiving promotional or marketing communications from us at a specific address, you may:
  • Use the unsubscribe instructions sent by us.
  • Or contact us by email at: contact@ratnifinance.com

*Note: It may take up to 90 business days to process your request post receipt of the request.

Links

Our Site may contain links to third party websites to which we have no affiliation. The links are provided on our Sites solely for your convenience and may assist you in locating other useful information on the Internet. Unless you expressly authorize us to do so, we will not share your personal information with such third-party websites. These third-party websites are not under our control. In using such third-party websites please be aware that each third-party website is subject to its own privacy policies and is not covered by our Privacy Policy. We make no representation or warranty regarding the accuracy of the information contained on such third-party websites, and we disclaim all responsibility relating to or resulting from your use of such third-party websites.

Modifications to the Privacy Policy

This Privacy Policy may change from time to time. If we make a change to this Privacy Policy that we believe materially reduces your rights, we will provide you with prominent notice through e-mail/ on our website or by any other means. By continuing to use our services after those changes have become effective, you agree to be bound by the revised Privacy Policy. You are responsible for periodically visiting our Sites and this Privacy Policy to check for any changes.

Redressal Mechanism:

Any complaints, abuse or concerns with regards to the use, processing and disclosure of Information provided by You or breach of these terms should immediately be informed via email to ratnidistributors@gmail.com.

We request User to please provide the following information in User’s complaint:

• • Identification of the information provided by User.
  • Clear statement as to whether the information is Personal Information or Sensitive Personal Information.
  • User address, telephone number or e-mail address.

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, please send an e-mail to contact@ratnifinance.com