--- title: Privacy Policy canonical_url: https://sanchaykaro.com/privacy-policy/ last_updated: 2026-06-25T06:20:34+00:00 plugin_version: 1.2.2 --- # Privacy Policy Privacy Policy โ€“ Sanchay Karo | Mutual Fund, NPS, Loan & Credit Card Referral Data Practices (ARN-301757) Legal Document ยท Sanchay Karo Privacy Policy ============== How we collect, use, process, store and disclose your information across Mutual Fund, SIP, Demat, NPS, Loan, Credit Card, Insurance referral and financial education services. ๐Ÿ“ˆ Mutual Fund (ARN-301757) ๐Ÿ“Š SIP Investments ๐Ÿ—‚๏ธ Demat Account ๐Ÿฆ NPS Registration ๐Ÿ’ณ Credit Card Referrals ๐Ÿ’ฐ Loan Referrals ๐Ÿ›ก๏ธ Insurance Referrals Effective: 25 June 2026 [www.sanchaykaro.com](https://www.sanchaykaro.com) ARN301757 EUINE572917 18Policy Sections 7+Countries Served **In short:** We never sell your data. We share only what's necessary with AMCs, KFintech (NPS), banks, NBFCs, card issuers & insurers to process the service you request โ€” and so we can be paid a legitimate commission. 1. Intro 2. Data Collected 3. Purpose 4. Legal Basis 5. Sharing 6. Commission 7. Cookies 8. Marketing 9. Global Service 10. Security 11. Retention 12. Your Rights 13. 3rd-Party Sites 14. Children 15. Disclaimer 16. Grievance 17. Offices 18. Changes Showing **18** of **18** sections 01 Introduction ------------ Welcome to [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "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 - Demat Account Opening - Stock Market Education - Smallcase & Long-Term Investment Education - National Pension System (NPS) Registration - Loan Referrals - Credit Card Referrals - Insurance Referrals - Goal-Based Financial Planning - Investment Awareness Programs 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 - Credit Score Information (through lending partners) - Loan Requirements - Bank Statements - Employment Information - Existing Loan Obligations 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), NPS intermediaries, banks, NBFCs, 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 NPS Services - PRAN Registration - NPS Contribution Processing - Nominee Registration - Regulatory Compliance Demat Services - Demat Account Opening - Trading Account Facilitation - KYC Verification Loan & Credit Card Services - Eligibility Assessment - Referral Processing - Application Tracking - Partner Coordination 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) NPS Services - KFin Technologies Limited (KFintech) - Central Recordkeeping Agencies (CRAs) - Pension Fund Managers - PFRDA-authorized entities Loan Services - Banks - NBFCs - Lending Partners - Credit Assessment Agencies Credit Card Services - Credit Card Issuers - Affiliate Networks - Partner Banks Regulatory Authorities Where required by law: - SEBI - AMFI - PFRDA - RBI - 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) - NPS Service Providers - Banks - NBFCs - Credit Card Issuers - Insurance Companies - Affiliate Partners Such compensation does not increase the charges payable by you unless specifically disclosed. By applying through our referral 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 - NPS Updates - Market Insights - Educational Content - Loan Offers - Credit Card Offers - Insurance Offers - 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: ๐Ÿ‡ฎ๐Ÿ‡ณ India ๐Ÿ‡บ๐Ÿ‡ธ United States (USA) ๐Ÿ‡ฌ๐Ÿ‡ง United Kingdom (UK) ๐Ÿ‡ธ๐Ÿ‡ฌ Singapore ๐Ÿ‡จ๐Ÿ‡ฆ Canada ๐Ÿ‡ฆ๐Ÿ‡บ Australia ๐Ÿ‡ฆ๐Ÿ‡ช United Arab Emirates (UAE) ๐ŸŒ 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: - Banks - NBFCs - AMCs - NPS Platforms - Insurance Providers - Credit Card Issuers 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, stock discussions, market insights, smallcase-related content, 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. Loan approvals, credit card issuances, insurance approvals, and NPS registrations remain solely at the discretion of the respective institutions. 16 Grievance Officer & Data Protection Contact ----------------------------------------------- For privacy-related concerns, complaints, corrections, data requests, or communication preferences, contact: PR ### Pallab Routh Grievance Officer ยท ARN-301757 | EUIN-E572917 [+91 7278480128](tel:+917278480128) Support: [+91 7016971045](tel:+917016971045) [www.sanchaykaro.com](https://www.sanchaykaro.com) โœ… Acknowledged within 7 working days โœ… Resolved within 30 working days 17 Registered Office ----------------- Registered Office Gurgram, Bhagwanpur, Purba Medinipur, West Bengal, India Branch Office Khodiyar Colony, Jamnagar, Gujarat โ€“ 361006 18 Changes to This Privacy Policy ------------------------------ We reserve the right to modify, amend, or update this Privacy Policy at any time. Any updates will be published on this page with the revised Effective Date. Your continued use of our website and services after any modifications constitutes acceptance of the updated Privacy Policy. ### Consent Declaration By using Sanchay Karo, submitting forms, opening accounts, applying for financial products, or engaging with our services, you acknowledge that: You have read and understood this Privacy Policy. You consent to the collection, processing, storage, and sharing of your information as described herein. You agree to receive communications from Sanchay Karo through Email, WhatsApp, SMS, Phone Calls, RCS Messages, and other digital channels. You understand that you may withdraw consent or opt out of marketing communications at any time. Mutual Fund Investments are Subject to Market Risks. Read All Scheme Related Documents Carefully Before Investing. Link copied to clipboard