When you create an account on our Platform, we collect your name, profile picture, and email address. We may collect additional details such as your mobile number, age, profession, and state of residence, if you choose to provide them as part of your profile. We also collect personal data that you voluntarily provide to us when you express an interest in obtaining information about us or our Platform, when you participate in activities pertaining to the Platform, or otherwise when you contact us.

If you subscribe to a paid plan, we may collect information necessary to manage your subscription, such as billing details, payment status, and transaction identifiers. Payment processing is handled by third-party payment service providers.

When you interact with features such as our AI chatbot, you may choose to share information about your preferences, investing style, or general context (for example, risk appetite or investment goals). We may retain such information to personalise your experience on the Platform.

If you choose to connect your stock or exchange-traded fund portfolio from a third-party platform, we collect a limited, read-only snapshot of your portfolio as on the date of connection. This may include details such as the names of securities held, quantities, and average purchase prices.

We do not collect or access sensitive financial data like your transaction histories, bank account details, or any information enabling us to place trades or execute transactions on your behalf.

Portfolio data is accessed solely to enable you to use our platform’s analytical and informational features.

We automatically collect certain information when you visit, use, or navigate the Platform. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Platform, and other technical information. This information is primarily needed to maintain the security and operation of our Platform, and for our internal analytics and reporting purposes.

We process your personal data to operate, maintain, and improve the Platform and to provide you with access to our AI-powered research and analysis features. This includes creating and managing your account and subscription, providing and supporting the features available under your selected plan (including portfolio analysis features where you choose to use them), understanding how you interact with the Platform in order to improve functionality and user experience, ensuring fair use of the Platform, and communicating with you - including to request feedback or respond to queries.

We process your personal data in accordance with applicable data protection principles and legal requirements. Depending on the nature of your interaction with the Platform, this may include processing based on the following grounds:

We may process your personal data where you have provided your consent for a specific purpose. You may withdraw your consent at any time.

In certain situations, we may process personal data without consent where such processing is reasonably necessary, including where you voluntarily provide information for a specified purpose, to comply with legal or regulatory obligations, to respond to lawful requests or orders, or in circumstances involving safety, emergencies, or public order.

For the purposes of Indian data protection law, we generally act as a data fiduciary, as we determine the purposes and means of processing personal data on the Platform.

We may share your personal data with third-party service providers who perform services on our behalf, such as cloud hosting, data storage, and payment processing. These service providers are authorised to use personal data only as necessary to provide services to us.

We also may need to share your personal data in connection with corporate transactions such as:

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

We may share your information with our affiliates, in which case we will require those affiliates to honour this Policy. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

We may share your information with our business partners to offer you certain products, services, or promotions.

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties, and this Policy does not apply to any data collected by them. You should review their privacy policies before providing any information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Platform. These online tracking technologies help us maintain the security of our Platform, prevent crashes, fix bugs, save your preferences, and enhance your experience on our website. You can manage your privacy preferences through your browser settings.

We will only keep your personal data for as long as is necessary for the purposes set out in this Policy, unless a longer retention period is required or permitted by law (such as for tax, accounting, or other legal requirements).

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal data we process, such as encryption. However, despite our safeguards and efforts to secure your information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure. Although we do our best to protect your data, transmission of personal data to and from our Platform is at your own risk. You should only access the Platform within a secure environment.

Under certain circumstances, you have rights under applicable laws in relation to your personal data. Subject to the laws that apply to you, you have the right to:

We keep our Policy under regular review and may amend this Policy from time to time, at our sole discretion. The terms of this policy may change and if it does, the changes will be posted on this page. Please ensure that you review this Policy regularly.

You may contact our grievance officer, Mr. Aaditya Aanand, with any inquiry relating to this Policy or your personal data at tech@multibagg.com.