Thank you for visiting www.ratnifinserv.com
- 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
If you have any questions or concerns regarding this statement, you should contact us at email@example.com
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 ratnifinserv’s Products and Services, you hereby agree and acknowledge that You submit Your 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 Ratnifinserv 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.
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.
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 Ratnifinserv.
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.
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.
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 firstname.lastname@example.org. 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.
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.
Disclosure/Transfer of Information
- 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.
- To fulfil the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
- 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 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: email@example.com
*Note: It may take up to 90 business days to process your request post receipt of the request.
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 firstname.lastname@example.org.
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.