Last Updated: June 18, 2025
Welcome to Prerana Financial Services. This Privacy Policy describes how PFSind.com (“we,” “us,” or “our”) collects, uses, discloses, and protects the personal information you provide when you use our website and services, including life insurance distribution, mutual fund investments, fixed deposit investments, financial advisory, wealth management, and family wealth building.
By accessing or using https://pfsind.com, you agree to the terms of this Privacy Policy.
- Information We Collect
We collect various types of information to provide and improve our services to you.
- Personal Identification Information:
- Contact Information: Name, email address, phone number, mailing address.
- Financial Information: Income details, bank account details, PAN (Permanent Account Number), Aadhaar number (if applicable and consented to), investment details, insurance policy details, tax information, and other financial records necessary for services.
- Demographic Information: Date of birth, gender, marital status, family details.
- Identification Documents: Copies of PAN card, Aadhaar card, passport, driving license, or other government-issued identification for KYC (Know Your Customer) purposes as required by regulatory bodies in India.
- Usage Data:
- Information about how you access and use our website, including your IP address, browser type, operating system, pages viewed, time spent on pages, referral sources, and clickstream data.
- Cookies and Tracking Technologies:
- We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
- How We Collect Information
We collect information from you in several ways:
- Directly from You: When you fill out forms on our website, create an account, apply for a product, subscribe to a newsletter, participate in surveys, or communicate with us directly.
- From Third-Party Service Providers: When you link or integrate third-party services with our platform (e.g., payment gateways, KYC service providers, registrars and transfer agents (RTAs), insurance companies, asset management companies (AMCs), banks).
- Automatically: Through cookies and other tracking technologies as you navigate and interact with our website.
- How We Use Your Information
We use the collected information for various purposes, including but not limited to:
- Providing and Managing Services: To process your applications for insurance, mutual funds, FDs, and other financial products; to provide financial advisory and wealth management services; to facilitate transactions and investments.
- Communication: To send you service-related updates, confirmations, alerts, newsletters, marketing and promotional materials (with your consent where required), and to respond to your inquiries.
- Personalization: To tailor our services and content to your preferences and financial goals.
- Compliance and Legal Obligations: To comply with legal, regulatory, and KYC requirements mandated by Indian authorities (e.g., SEBI, IRDAI, RBI, FIU-IND); to prevent fraud and money laundering.
- Improvement of Services: To analyze usage patterns, monitor the effectiveness of our website, troubleshoot technical issues, and improve our services, products, and user experience.
- Marketing and Analytics: To perform data analysis, track trends, and identify potential areas for new services9 or partnerships.
- Disclosure of Your Information
We may share your information with third parties in the following circumstances
- With Your Consent: We will share your personal information with third parties when we have your explicit consent to do so.
- Service Providers: We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or providing services to you (e.g., payment processors, KYC verification agencies, data analytics providers, cloud hosting services, customer support). These third parties are obligated to keep your information confidential and use it only for the purposes for which we disclose it to them.
- Financial Institutions and Regulators: To facilitate your investments and insurance policies, we will share necessary personal and financial data with relevant financial institutions (banks, AMCs, insurance companies) and regulatory bodies in India as required by law.
- Legal Requirements: If required to do so by law or in response to valid requests by public authorities (e.g., a court order, government agency request, or in compliance with anti-money laundering regulations).
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any such change in ownership or control of your personal information.
- Protection of Rights: To protect the rights, property, or safety of PFSind, our users, or others.
- Data Security
We are committed to protecting the security of your personal information. We implement reasonable physical, technical, and administrative safeguards to protect the information we collect and maintain. This includes:
- Encryption of sensitive data during transmission and at rest.
- Access controls and authentication procedures.
- Regular security audits and vulnerability assessments.
- Adherence to industry best practices for data security.
However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
- Your Rights
As an Indian resident, you may have certain rights regarding your personal information, subject to applicable laws:
- Access and Correction: You have the right to access and correct inaccuracies in your personal information held by us.
- Withdrawal of Consent: You have the right to withdraw your consent for the collection and processing of your sensitive18 personal data or information at any time, subject to legal and contractual restrictions. Please note that withdrawing consent may affect our ability to provide certain services to you.
- Grievance Redressal: You have the right to address any grievances regarding the processing of your personal information.
To exercise any of these rights, please contact our Grievance Officer as detailed below.
- Third-Party Websites
Our website may contain links to third-party websites. This Privacy Policy applies only to https://pfsind.com. We are not responsible for the privacy practices or the content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.
- Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.
- Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date. We may also notify you via email or through a prominent notice on our website prior to the change becoming effective. We encourage you to review this Privacy Policy periodically for any changes.
10. Grievance Officer & Contact Us
If you have any questions, concerns, or grievances regarding this Privacy Policy or our data handling practices, please contact our Grievance Officer at:
Email: in**@****nd.com
Address: Survey 1-55/194/19B CMC Enclave, Maseed Banda, Gachibowli, Hyderabad -500084
We will endeavour to respond to your queries and grievances promptly and within the timeframes prescribed by applicable law.
