Privacy Policy

Privacy Policy – Apexaura Wealth

1. Introduction

Apexaura Wealth (“we”, “our”, “us”), owned and operated by Viral Vora, is committed to protecting the privacy and confidentiality of your personal and sensitive information.
As an AMFI-registered Mutual Fund Distributor, IRDAI-registered Insurance Advisor, PFRDA-registered Retirement Advisor, and FPSB India-certified professional, we follow all applicable laws and guidelines while handling your data.

This Privacy Policy explains how we collect, use, store, share, safeguard, and allow you to manage your information.

2. Scope & Applicability

This policy applies to all individuals who interact with Apexaura Wealth through:

• -Our website, mobile or digital forms
• -Email, phone, WhatsApp, or other communication channels
• -In-person meetings
• -Submission of identity, address, or investment-related documents

3. Information We Collect

We collect only the information necessary for providing mutual fund distribution, insurance advisory, retirement-related services, and overall money-management guidance.

Types of data collected:

1. Personal Information

• -Name, date of birth, gender
• -Contact details (mobile number, email address, residential address)
• -Government ID: PAN, Aadhaar, passport, voter ID, or other KYC documents

1. Financial Information

• -Income, occupation, demographics
• -Details of investments, insurance, retirement corpus, assets, and liabilities
• -Bank account details for transactions (if applicable)

1. Service-Related Information

• -Transaction history
• -Risk-profile information
• -Documents shared voluntarily for assessment
• -Communication records (email/phone/WhatsApp)

1. Website & Technical Information

• -IP address
• -Device/browser details
• -Cookies and usage data
  (Collected only to improve website experience)

4. Purpose of Collecting Information

We use your information only for legitimate purposes, including:

• -Verifying identity and completing KYC requirements
• -Providing mutual fund distribution services
• -Offering insurance advisory
• -Offering retirement-related advisory
• -Sharing updates, statements, and essential communications
• -Maintaining regulatory compliance
• -Improving user experience and internal processes
• -Sending educational content (only with your consent)

We do NOT use your data for cross-selling unrelated products or share it without your consent.

5. Consent & Your Rights

• -Your data is collected only after your clear and informed consent.
• -You may withdraw consent anytime; we will stop processing non-essential data.
• -You have the right to request:
  • -Access to your data
  • -Correction/update of data
  • -Deletion (subject to regulatory requirements)
  • -Opt-out from non-essential communication

6. Information Sharing

We do not sell or rent your data.

Your information may be shared only with:

• -KYC agencies, RTAs, AMCs, insurers, or pension entities for service execution
• -Compliance/audit teams or statutory authorities (if required)
• -Technology service providers under strict confidentiality agreements
• -Regulators like AMFI, IRDAI, PFRDA, or FPSB India if legally mandated

Every third-party interaction is governed by confidentiality and data-security clauses.

7. Data Storage & Protection

We ensure secure handling of your data using:

• -Encrypted storage and transmission
• -Role-based access control
• -Secure cloud/server infrastructure
• -Regular backups and activity logs
• -Strict internal confidentiality practices

Only authorized personnel under Apexaura Wealth can access your data.

8. Data Retention & Deletion

We retain your information only as long as required for:

• -Service delivery
• -Legal, audit, or regulatory obligations

Once no longer necessary, the data is securely deleted or anonymized.

9. Grievance Redressal

For any queries, concerns, or requests, you may contact:

Grievance Officer:
Name: Viral Vora
Email: viralpb@gmail.com
Phone: +91 99252 43943
Address: Ahmedabad, Gujarat

We aim to respond within a reasonable time as per applicable laws.

10. Policy Updates

Apexaura Wealth may update this Privacy Policy from time to time to reflect regulatory changes or improvements in our practices.
Any significant updates will be communicated to you appropriately.

11. Acceptance

By interacting with Apexaura Wealth or submitting your information, you acknowledge that you have read, understood, and agree with this Privacy Policy.