Our Commitment
INVESTRA SOLUTIONS PRIVATE LIMITED is rendering mutual fund distributorship under the legal name of PEARL FINANCES (ARN 332037) registered with AMFI, and is also engaged in providing other financial and related services. To enable this, we would need to complete user’s(you/your) Know Your Clients (KYC) in accordance with regulatory/government and legal agencies and authorities; your Personal Data may be provided/verified or updated in this process with respective regulatory agencies as per the regulations applicable at that time. This Privacy Policy outlines how INVESTRA collects, uses, disclose, and safeguard your data when you use services or interact with INVESTRA through the website or any other platforms.
INVESTRA collect and process your Personal Data only to the extent necessary for INVESTRA to process your requirement(s) in accordance with the required investments. In case you choose not to share your Personal Data as required with INVESTRA, INVESTRA may not be able to provide you the services.
INVESTRA collects and generates various data points about you. Data by which you are identified is termed as “Personal Data”. Personal Data does not include the Data that is freely available or accessible in the public domain. Your privacy is of utmost importance to INVESTRA and the protection of your Personal Data is a key commitment for INVESTRA.
Information/Personal Data collected by INVESTRA
Personal Data that INVESTRA may collect from you includes, but are not limited to, the following:
- Personal details (e.g. name, contact details including, residential address, date of birth, documents such as identity card/passport details / Aadhaar details / PAN / Voter ID/driving license, and/or income details) provided by you to INVESTRA to avail various services from INVESTRA.
- Your details including transaction history, balances and payment details, for effecting transfer of monies through various payment channels facilitated by AMCs.
- Financial details (e.g. income, expenses, networth, and/or credit history) needed as part of the request for some of INVESTRA’s products/services.
- Images/videos of documents/photos required to avail any of INVESTRA’s products/services.
- Voice recordings of conversations with INVESTRA’s customer care agent by you to address your queries/grievances.
- Risk profile, investment selection, beneficiary and nominee data etc.
- Opinions provided by you to INVESTRA by way of feedback or responses to surveys.
Usage of Your Personal Data:
- To share with you, updates on changes to the products/services and their terms and conditions.
- To provide you with transaction and post transaction-related services, providing, improving, and marketing our products and services, including site content and performance.
- To take up or investigate any complaints/claims/disputes.
- To respond to your queries or feedback submitted by you.
- To verify your identity to provide products/services to you.
- To carry screenings or due diligence checks as lawfully required by INVESTRA.
- To monitor and review services from time to time.
- To undertake financial/regulatory / management reporting, and create and maintain various risk management models.
- For conducting audits and for record-keeping purposes.
- For selective offers and promotions.
- To fulfill the requirements of applicable laws/regulations and/or court orders /public orders/ regulatory directives received by INVESTRA/protect and defend the rights or users of INVESTRA.
- For any other matter incidental and associated to the above.
Sharing of Personal Data
INVESTRA may share any Personal Data of users with the following parties, in connection with and as may be necessary for the conduct of INVESTRA’s business/operations:
- With the Registrar & Transfer Agent/s (RTA) of various Mutual Funds and/or other issuers, clearing corporations, exchanges, depositories, group companies and associate entities to facilitate the services, banks, financial institutions, NBFCs and/or authorised external third parties/intermediaries, cloud services or any other service provider who are involved in transaction processing, dispatches, printing/marketing etc. while providing the service, unless any user will specifically write to INVESTRA to refrain from sharing Personal Data with such parties.
- KYC Registration agencies, Central KYC Registry or any other regulatory/administrative/legislative authority and/or with the INVESTRA for compliance with any legal, statutory or regulatory requirements and/or to verify the identity of users for complying with anti-money laundering/KYC requirements and/or under any applicable laws for the time being in force and/or for the purpose of data storage.
INVESTRA shares such aforesaid Personal Data to the aforesaid service providers under strict confidentiality and only on a ‘need to know basis’ and for the purposes of lawful functioning of INVESTRA’s business/operations. INVESTRA sends the account statements or financial information pertaining to the users to be sent over the internet and only through a secure mode.
INVESTRA also ensures that the parties to whom such aforesaid Personal Data is shared have confidentiality provisions and high levels of security practices, controls and procedures to ensure its protection.
Notwithstanding anything contained, INVESTRA shall not be responsible/liable, either directly or indirectly, for the authenticity/accuracy of the Personal Data submitted by you and/or for its misuse, not attributable to the acts of INVESTRA, at any time and in any manner whatsoever.
Your Rights in relation to Your Personal Data
You have the right to correct, amend, complete and update of Personal Data for the processing of which has previously given consent. You represent that the Personal Data you provide from time to time is and shall be correct, current and updated and you have all the rights, permissions and consents to provide such Personal Data.
In addition to the rights detailed above, you may also have the right to revoke or withdraw your consent to the processing of your Personal Data. With this, INVESTRA will no longer share your data with any of the parties involved in providing the services. However, INVESTRA may retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed of except for any record retention required by Applicable Laws.
INVESTRA will facilitate your request to exercise such rights subject to the provisions of applicable laws relating to the processing and storage of Personal Data. If you wish to exercise any of the rights, please write an email, providing in as much detail as possible, the right(s) you wish to exercise.
Communications from INVESTRA
INVESTRA may from time to time contact you via calls, SMS, emails, and other communication channels to provide you with information pertaining to INVESTRA’s Services, notifications on updates vis-à-vis INVESTRA Services (when INVESTRA considers it necessary to do so), educational information and promotions.
Notify Us
If at any time you believe that INVESTRA or its users/members have not adhered to these principles, please notify INVESTRA by e-mail at investrasolutions@gmail.com and INVESTRA will use all commercially reasonable efforts to promptly notify you, determine and correct the problem.
Grievance Redressal
If you have questions, concerns or grievances regarding Privacy Policy, you may address the same to investrasolutions@gmail.com.
Policy Review and Updates
This policy will be reviewed by INVESTRA as and when required and the same may change at any time.
The latest and the most updated policy can always be found at INVESTRA’s website. While INVESTRA will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, it is recommended that you review this policy periodically.
This Privacy Policy shall apply uniformly to INVESTRA’s desktop website, mobile applications and any services provisioned by INVESTRA on its platform.
By accepting this Privacy Policy, you expressly consent to INVESTRA’s use and disclosure of your Personal Data in the manner prescribed in this Privacy Policy. Your consent shall be considered as free, specific, informed, unconditional and unambiguous and shall signify an acceptance/agreement to the processing of the Personal Data for the specified purpose.