Privacy Policy

Effective Date: June 28, 2022

Last Updated: May 1, 2026

Welcome to Paisalogy® (accessible via https://paisalogy.com). Paisalogy® is a registered trademark owned by Datta Baban Alekar, an AMFI-Registered Mutual Fund Distributor (ARN-248117). We are committed to protecting the privacy, confidentiality, and security of the personal and financial data of our visitors, investors, and clients in strict compliance with the Association of Mutual Funds in India (AMFI) guidelines, Securities and Exchange Board of India (SEBI) data protection mandates, and India’s DPDP Act.

When you access our platform, we collect standard digital metadata to maintain operational security and enhance user interaction.

• Platform Comments: When visitors leave comments on the site, we collect the data shown in the comments form, along with the visitor’s IP address and browser user agent string to assist in automated spam detection.

• Anonymized Identifiers (Hashing): An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to verify usage. After approval of your comment, your profile picture is visible to the public contextually.

• Media Uploads: If you upload images to the website, you should ensure they do not contain embedded location data (EXIF GPS). Visitors can download and extract location data from public images.

• Purpose Limitation: In compliance with SEBI and DPDP Act mandates, visitor data is strictly used for specified, lawful regulatory purposes such as preventing operational fraud, countering malicious activities, and maintaining server integrity.

When you voluntarily subscribe to our educational newsletters or market operational updates, we collect your name, email address, and communication preferences.

• Usage Constraints: This information is deployed strictly to transmit regular disclosure updates, digital tracking app credentials, and transaction schedule alerts.

• Opt-Out Right: You retain the absolute right to unsubscribe from these operational transmissions at any point using the link provided at the base of every communication.

When you submit queries via our contact forms, onboarding tools, or suitability mapping questionnaires, we process sensitive statutory data required for regulatory financial execution.

• Statutory Data Collected: This includes your Name, Date of Birth, Permanent Account Number (PAN), verification details, address, nationality, tax status, and bank account details required to execute mutual fund transactions through authorized exchange platforms (such as NSE MF Invest or BSE Star MF).

• Intermediary Data Sharing: We do not sell, rent, or trade user data. In our capacity as an AMFI-Registered Distributor, form data is shared strictly with regulated capital market intermediaries for execution purposes:

  1. Asset Management Companies (AMCs): Mutual fund houses where your investments are designated.

  2. Registrars and Transfer Agents (RTAs): Regulated bodies like CAMS and KFintech to update investment records.

  3. Transaction Portals: Regulated backend engines (e.g., NSE MF Invest, BSE Star MF, MF Utilities) used to process your orders securely.

Articles or educational sections on this site may include embedded content (e.g., videos, images, charts, articles) or external hyperlinks. Embedded content from other websites behaves in the exact same way as if the visitor has visited the source website directly.

• Third-Party Tracking: These external platforms may independently collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content—especially if you hold an active account and are logged in to that specific external website (e.g., YouTube).

Under the DPDP Act and SEBI consumer guidelines, you possess explicit rights regarding your personal and transactional information:

• Right to Access & Portability: You can request to receive an exported file of the personal data we hold about you, including any data you have explicitly provided to us.

• Right to Erasure (Right to be Forgotten): You can request that we erase your personal details from our active digital systems.

• Statutory Retention Exception: Please note that the right to erasure does not extend to historical transaction logs, KYC data, or communication records that we are statutorily obliged to retain for a minimum of 5 to 7 years for administrative, legal, regulatory, or security purposes under SEBI and the Prevention of Money Laundering Act (PMLA).

Paisalogy® reserves the right to update this Privacy Policy at any time to mirror shifting statutory guidelines issued by SEBI or AMFI.

• Any revisions will be published immediately on this page with a revised “Last Updated” timestamp.

• We encourage users to review this page periodically to stay informed about how we safeguard their transactional and personal ecosystems.

A cookie is a small text file placed on your device by a web server when you access a webpage. It allows the platform to recognize your browser, remember configuration choices, and secure your active sessions, eliminating the need to re-enter details repeatedly.

The lifespan of a cookie depends on its specific functional utility. Session cookies disappear the moment you close your web browser, while persistent cookies (such as login memory or screen preference selectors) remain stored on your device for a period ranging from 1 day up to 1 year unless manually cleared by the user.

We categorize our deployment of cookies into four functional areas:

These are vital for basic platform operations. For example, if you visit our login page, a temporary cookie is set to determine if your browser accepts cookies. It contains zero personal data and is discarded when you close your browser.

These track operational efficiency, server response metrics, and automated spam boundaries. If you request a password reset, your IP address is securely included in the temporary system logs to prevent brute-force system entries.

Designed to optimize user ease. If you leave a comment on our site, you may opt-in to saving your name, email address, and website in cookies so you do not have to fill in details again next time. These persist for one year. Similarly, login preference cookies persist for two days, while customized screen option selections last for one year. Selecting “Remember Me” extends login status to two weeks.

These are deployed by embedded external widgets, video players, or analytical engines integrated into our educational articles. For instance, an embedded video player may track playback engagement metrics according to its own independent privacy network rules.

Any questions, concerns, or grievances regarding data privacy can be formally directed to our compliance officer:

• Attention: Datta Alekar (Founder, Paisalogy®)

• AMFI Registration: ARN-248117

• Email: datta.aalekar@gmail.com

• Contact/WhatsApp: +91 9595141111

• Principal Place of Business: Pune, Maharashtra, India

⚠️ Mandatory Regulatory Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Paisalogy® acts strictly as an AMFI-Registered Mutual Fund Distributor (ARN-248117) providing transaction execution routing and portfolio tracking desks; we do not operate as SEBI-Registered Investment Advisers (RIA) and do not provide assured returns or formal investment advisory services.