Last Updated: April 2026

At Pranamya Financial Services, your privacy is not just a legal requirement — it is a reflection of how we operate. We believe that the same transparency and trust we bring to your financial advice should extend to every aspect of our relationship with you, including how we handle your personal information.

This Privacy Policy explains what information we collect, why we collect it, how we use it, and the choices you have. By using our website at pranamya.in or engaging with our advisory services, you agree to the practices described in this policy.

1. Who We Are

Pranamya Financial Services is a SEBI Registered Investment Advisor (RIA) headquartered in Nagpur, Maharashtra, India. Our registered office is located at Regus Building, 310, K10 Corporate, Plot No. 10, Nagpur, Maharashtra 440015.

We are registered with the Securities and Exchange Board of India (SEBI) and operate in compliance with the SEBI (Investment Advisers) Regulations, 2013, the Information Technology Act, 2000, and all applicable data protection laws in India.

For any privacy-related questions, you can reach us at: Email: hrushikesh@pranamya.in Phone: +91 9370007770

2. Information We Collect

To provide you with accurate, personalised financial advice, we need to understand your financial situation. Here is the information we may collect:

Personal Identification Information This includes your full name, date of birth, PAN card number, Aadhaar number (where required), address, phone number, and email address. This information is collected when you fill out a consultation form, sign up for our services, or contact us directly.

Financial Information This includes details about your income, existing investments, insurance policies, liabilities, tax bracket, and financial goals. This information is shared by you voluntarily during our discovery and onboarding process and is essential to building your personalised financial plan.

KYC and Regulatory Information As a SEBI Registered Investment Advisor, we are legally required to complete Know Your Customer (KYC) verification for all clients. This may include copies of your PAN card, Aadhaar, bank account details, and a recent photograph.

Usage and Technical Information When you visit pranamya.in, we automatically collect certain technical information such as your IP address, browser type, device type, pages visited, time spent on each page, and referring URLs. This data is collected through cookies and third-party analytics tools and helps us understand how visitors use our website.

Communication Records We may retain records of emails, phone calls, WhatsApp messages, and consultation notes exchanged between you and our team. These records help us maintain the quality and continuity of our advisory service.

Enquiry and Form Submissions If you submit a contact form, book a consultation, or sign up for our newsletter, we collect the information you provide in those forms, including your name, email, phone number, and any message you send.

3. How We Use Your Information

We use your information only for legitimate purposes directly related to providing you with financial advisory services. Specifically, we use it to:

Provide personalised financial planning, investment advisory, insurance guidance, and retirement planning services tailored to your specific goals and situation.

Verify your identity and complete regulatory KYC requirements as mandated by SEBI and other applicable laws.

Communicate with you about your portfolio, plan updates, market developments, upcoming reviews, or any changes to our services.

Send you educational content, financial insights, and updates through our newsletter — but only if you have opted in to receive them. You can unsubscribe at any time.

Improve our website and services by analysing how visitors interact with pranamya.in, identifying areas for improvement, and testing new features.

Comply with our legal and regulatory obligations as a SEBI Registered Investment Advisor, including maintaining client records as required by applicable regulations.

Respond to your queries, complaints, or feedback in a timely and accurate manner.

We do not use your personal information for automated decision-making or profiling that has a legal or significant effect on you without your knowledge and consent.

4. How We Share Your Information

Your personal and financial information is never sold to third parties. We do not share your data with advertisers, marketing companies, or any third party for their commercial benefit.

We may share your information in the following limited circumstances:

Regulatory and Legal Compliance As a SEBI Registered Investment Advisor, we may be required to share client information with SEBI, other regulatory authorities, or law enforcement agencies when legally mandated. We will always inform you of such disclosures to the extent permitted by law.

Service Providers and Technology Partners We may share your information with trusted third-party service providers who assist us in operating our business — such as cloud storage providers, CRM platforms, email service providers, or payment processors. These providers are bound by strict confidentiality agreements and are not permitted to use your data for any purpose other than providing services to us.

Portfolio Platforms and Fund Houses To execute investment recommendations, we may share relevant information with mutual fund platforms, registrar and transfer agents (RTAs), or other regulated financial institutions. This is done strictly on a need-to-know basis and only with your consent.

Professional Advisors In rare cases, we may share information with legal or tax advisors to provide you with comprehensive financial guidance. This is done under professional confidentiality obligations.

We never share your data with insurance companies or fund houses for marketing or commission purposes. Our fee-only model means there is no financial incentive for us to share your information commercially.

5. Cookies and Tracking Technologies

Our website pranamya.in uses cookies and similar technologies to improve your browsing experience and understand how the site is being used.

What are cookies? Cookies are small text files stored on your device when you visit a website. They help the website remember your preferences and activity.

Types of cookies we use:

Essential cookies are required for the website to function properly. They enable basic features like page navigation and form submissions. These cannot be disabled.

Analytics cookies help us understand how visitors interact with our website. We use tools like Google Analytics to collect anonymous data about page views, session duration, and traffic sources. This information is used to improve the website and is not linked to your personal identity.

Preference cookies remember your settings and choices on our website, such as language preferences or previously filled form fields.

Your cookie choices: You can choose to disable non-essential cookies at any time through your browser settings. Please note that disabling certain cookies may affect the functionality of some parts of our website. You can also opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.

6. Data Security

We take the security of your personal and financial information seriously. We implement appropriate technical and organisational safeguards to protect your data against unauthorised access, loss, alteration, or disclosure.

These measures include encrypted data transmission using SSL (Secure Socket Layer) technology on our website, restricted access to client data on a need-to-know basis within our team, regular security reviews of our technology infrastructure, and confidentiality agreements with all team members and third-party partners.

While we take every reasonable precaution, no method of transmission over the internet or electronic storage is completely secure. If you believe your data has been compromised in any way, please contact us immediately at hrushikesh@pranamya.in.

7. Data Retention

We retain your personal and financial information for as long as necessary to provide our services and comply with our regulatory obligations.

As a SEBI Registered Investment Advisor, we are required by law to maintain client records for a minimum of five years from the end of the advisory relationship or from the date the record was created, whichever is later. This includes KYC documents, financial plans, investment recommendations, and communication records.

After the mandatory retention period ends, we securely delete or anonymise your data in a manner that ensures it cannot be recovered or linked back to you.

8. Your Rights

You have the following rights regarding your personal information. To exercise any of these rights, please contact us at hrushikesh@pranamya.in.

Right to Access You can request a copy of the personal information we hold about you at any time.

Right to Correction If any information we hold about you is inaccurate or incomplete, you have the right to request a correction.

Right to Deletion You may request that we delete your personal information. Please note that we may be required to retain certain information to comply with SEBI regulations and other legal obligations, even after you make a deletion request.

Right to Withdraw Consent If we are processing your information based on your consent — such as sending you our newsletter — you can withdraw that consent at any time without affecting the lawfulness of processing done before the withdrawal.

Right to Restrict Processing In certain circumstances, you can ask us to stop processing your data — for example, while you contest its accuracy or object to our use of it.

Right to Data Portability You can request that we provide your personal information in a commonly used, machine-readable format so that you can transfer it to another service provider if you choose.

We will respond to all legitimate requests within 30 days. In certain complex cases, this may take up to 60 days, and we will inform you accordingly.

9. Third-Party Links

Our website may contain links to third-party websites, resources, or platforms — such as SEBI’s official website, AMFI, or financial news sources. This Privacy Policy does not apply to those external websites. We encourage you to read the privacy policies of any third-party website you visit through links on our site.

10. Children’s Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us immediately and we will take prompt steps to delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or applicable laws. When we make significant changes, we will update the “Last Updated” date at the top of this page and, where appropriate, notify you directly by email.

We encourage you to review this policy periodically to stay informed about how we are protecting your information. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

12. Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are as follows:

Name: Hrushikesh (Founder, Pranamya Financial Services) Email: hrushikesh@pranamya.in Phone: +91 9370007770 Address: Regus Building, 310, K10 Corporate, Plot No. 10, Nagpur, Maharashtra 440015

If you have any complaint or concern about how we handle your personal information, please reach out to our Grievance Officer. We are committed to resolving all privacy-related concerns promptly and fairly. If your concern is not resolved to your satisfaction, you may also approach SEBI or the relevant data protection authority.

13. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your rights, or simply want to understand how your data is being used, please get in touch with us.

Pranamya Financial Services Regus Building, 310, K10 Corporate, Plot No. 10 Nagpur, Maharashtra 440015

Email: hrushikesh@pranamya.in Phone: +91 9370007770 Website: https://pranamya.in

We are always happy to speak with you directly and will do our best to address your questions clearly and honestly.

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Nagpur, Maharashtra.