In short: We never sell your data. We share only what's necessary with AMCs, RTAs & KRAs to process the service you request — and so we can be paid a legitimate commission.
01
Introduction
Welcome to Sanchay Karo ("Company", "we", "our", "us"). We respect your privacy and are committed to protecting your personal information.
This Privacy Policy explains how we collect, use, process, store, and disclose information when you visit our website, mobile applications, landing pages, and use our financial services.
Services Our services include but are not limited to
Mutual Fund Distribution (ARN-301757)
SIP Investments
Goal-Based Financial Planning
Investment Awareness Programs
Long-Term Investment Education
By accessing or using our website and services, you agree to the collection and use of information in accordance with this Privacy Policy.
02
Information We Collect
A. Personal Information
Full Name
Mobile Number
Email Address
Date of Birth
PAN Number
Aadhaar Information (where legally permitted)
Residential Address
Occupation Details
Income Information
Marital Status
Nominee Information
Bank Account Details
Investment Preferences
Risk Profile Information
B. KYC Documents
Where required for regulatory compliance, we may collect:
PAN Card
Aadhaar Card
Passport
Driving License
Voter ID
Photograph
Signature
C. Financial Information
Existing Investment Portfolio Details
Mutual Fund Holdings
SIP Information
Income Proof
Bank Statements
Employment Information
D. Technical Information
We automatically collect:
IP Address
Browser Type
Device Information
Operating System
Location Data
Referral Source
Cookies
Website Analytics Data
Advertising Interaction Data
Such documents may be processed through authorized KYC Registration Agencies (KRAs), Registrars, Asset Management Companies (AMCs), and other regulated financial institutions.
03
Purpose of Data Collection
We use your information for the following purposes:
Investment Services
Mutual Fund Transactions
SIP Registration
Portfolio Review
Risk Profiling
Goal Planning
Investment Education
Communication
Service Notifications
Transaction Alerts
Regulatory Updates
Newsletters
Promotional Campaigns
Website Operations
Fraud Prevention
Security Monitoring
Website Improvement
Analytics and Performance Measurement
04
Legal Basis of Processing
We process your personal information based on:
Your Consent
Contractual Obligations
Regulatory Requirements
Legal Compliance
Legitimate Business Interests
05
Information Sharing
We do not sell, rent, or trade your personal information to third parties. However, we may share information with trusted service providers and regulated financial institutions as required to provide services.
Mutual Fund Services
Asset Management Companies (AMCs)
Registrars & Transfer Agents (RTAs)
Exchange Platforms
KYC Registration Agencies (KRAs)
Regulatory Authorities
Where required by law:
SEBI
AMFI
FIU-IND
Government Authorities
Courts & Law Enforcement Agencies
06
Commission & Referral Disclosure
Sanchay Karo may receive commissions, referral fees, trail commissions, incentives, or compensation from:
Mutual Fund Asset Management Companies (AMCs)
Affiliate Partners
Such compensation does not increase the charges payable by you unless specifically disclosed.
By applying through our links or submitting your details for financial products, you authorize us to share relevant information with our partner institutions for processing your application and facilitating legitimate commission payments.
07
Cookies & Tracking Technologies
We use:
Essential Cookies
Analytics Cookies
Advertising Cookies
Affiliate Tracking Cookies
Google Analytics
Google AdSense
Meta Pixel
Conversion Tracking Tools
Cookies help us understand user behaviour, improve website performance, personalize content, and track referral activities.
You may disable cookies through your browser settings; however, certain features may not function properly.
08
Marketing Communications & Consent
By submitting your information through Sanchay Karo, registering for any financial product, downloading resources, completing forms, or subscribing to updates, you expressly consent to receive communications from Sanchay Karo.
These may include
Mutual Fund Updates
SIP Reminders
Investment Opportunities
Market Insights
Educational Content
Promotional Campaigns
Business Updates
Newsletters
We may communicate via
Email
WhatsApp
SMS
RCS Messages
Phone Calls
Push Notifications
Other Digital Communication Channels
Your data may be used by Sanchay Karo for customer support, investor education, service delivery, marketing communications, product updates, promotional campaigns, and information related to Sanchay Karo and its partner services.
You may opt out of promotional communications at any time by contacting us or using the unsubscribe option provided in our communications.
09
International Availability of Services
Sanchay Karo provides financial education, investment awareness, and selected financial service facilitation to users globally, including but not limited to:
🇮🇳 India🇺🇸 United States (USA)🇬🇧 United Kingdom (UK)🇸🇬 Singapore🇨🇦 Canada🇦🇺 Australia🇦🇪 United Arab Emirates (UAE)🌍 Other permitted countries
Certain services may be restricted depending on local laws, regulations, product availability, and eligibility criteria.
Users are responsible for ensuring compliance with the laws applicable in their country of residence.
10
Data Protection & Security
We implement industry-standard security measures, including:
SSL Encryption
Secure Data Storage
Access Controls
Firewall Protection
Security Monitoring
Restricted Employee Access
While we strive to protect your information, no internet-based system can guarantee absolute security.
11
Data Retention
We retain information:
For regulatory compliance
For legal obligations
For dispute resolution
For business record maintenance
As required by applicable financial regulations
Retention periods may vary depending on the nature of the service provided.
12
Your Rights
You may request to:
Access your personal information
Correct inaccurate information
Update your details
Withdraw consent
Delete information where legally permissible
Opt out of marketing communications
To exercise these rights, please contact us using the details provided in Section 16 below.
13
Third-Party Websites
Our website may contain links to third-party websites operated by:
Asset Management Companies (AMCs)
Registrars & Transfer Agents (RTAs)
KYC Registration Agencies (KRAs)
We are not responsible for the privacy practices, policies, or content of third-party websites.
Users should review the privacy policies of those websites independently.
14
Children's Privacy
Our services are intended only for individuals who are at least 18 years of age.
We do not knowingly collect personal information from minors.
15
Regulatory Disclaimer
Sanchay Karo operates as a Mutual Fund Distribution business under:
ARN301757
EUINE572917
We are not a SEBI Registered Investment Adviser (RIA), Portfolio Manager, or Research Analyst unless separately disclosed.
Any information, investment education, market insights, or financial content published on our website is for educational and informational purposes only.
We do not guarantee returns, profits, or investment outcomes.
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
16
Grievance Officer & Escalation Process
For privacy-related concerns, complaints, corrections, data requests, or communication preferences, we follow a two-level escalation process:
L1
Level 1 · Customer Support
First point of contact for all queries and concerns
Regulatory Disclosure: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 |BSE STARMF Member ID: 63447|NSEMF Member ID: 1009479|MSME: UDYAM-WB-12-0123391| Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.
