Privacy Policy - Capital Advisors

Our Commitment to Your Privacy

At Capital Advisors, we take the protection of your personal information seriously. This Privacy Policy explains how we collect, use, store, and protect your data when you visit our website or use our financial advisory services. We are committed to maintaining the confidentiality and security of your information in accordance with applicable Indian data protection laws.

By using our website or services, you acknowledge that you have read and understood this Privacy Policy. If you have any questions or concerns, please contact us using the information provided at the end of this document.

Information We Collect

Information You Provide to Us

When you interact with our services, you may provide us with various types of personal information:

Contact Information: Name, email address, phone number, and mailing address when you fill out our contact forms or schedule consultations
Financial Information: Details about your income, assets, liabilities, investment goals, and risk tolerance when you engage our advisory services
Communication Data: Content of your messages, inquiries, feedback, and correspondence with our team
Identity Documents: PAN card, Aadhaar details, or other identification documents as required for regulatory compliance

Information Collected Automatically

When you visit our website, we automatically collect certain technical information:

Device Information: IP address, browser type, operating system, and device identifiers
Usage Data: Pages visited, time spent on pages, referring websites, and navigation patterns
Cookie Data: Information collected through cookies and similar tracking technologies (see our Cookie Policy for details)

Information from Third Parties

We may receive information about you from third-party sources such as credit bureaus, financial institutions, or regulatory databases when necessary for providing our services or ensuring compliance with legal requirements.

How We Use Your Information

We use the information we collect for the following purposes:

Providing Financial Advisory Services

To deliver personalized financial planning, investment advice, tax consultation, and retirement planning services tailored to your specific goals and circumstances.

Communication and Support

To respond to your inquiries, schedule consultations, provide updates about our services, and maintain ongoing communication regarding your financial planning needs.

Service Improvement

To analyze how visitors use our website, identify areas for improvement, enhance user experience, and develop new features and services.

Regulatory Compliance

To comply with SEBI regulations, KYC requirements, anti-money laundering laws, and other legal obligations applicable to financial advisory services in India.

Security and Fraud Prevention

To protect our website, services, and users from unauthorized access, fraudulent activity, and security threats.

Marketing Communications

To send you relevant information about our services, educational content, and market insights, only with your consent and with the option to opt out at any time.

Legal Basis: We process your personal information based on your consent, contractual necessity, legal obligations, and legitimate business interests, in accordance with applicable data protection laws.

How We Share Your Information

We do not sell your personal information to third parties. We may share your information only in the following limited circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, conducting business, or servicing you, such as hosting providers, payment processors, and analytics services.

Financial Institutions

When necessary to execute transactions or implement investment recommendations on your behalf, we may share relevant information with banks, mutual fund companies, and other financial institutions.

Regulatory Authorities

We may disclose information to SEBI, tax authorities, or other regulatory bodies as required by law or to comply with legal obligations.

Legal Requirements

We may disclose your information when required to respond to legal process, protect our rights, prevent fraud, or ensure the safety of our users and the public.

Data Security and Protection

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction:

Encryption

Data transmitted between your browser and our servers is encrypted using industry-standard SSL/TLS protocols.

Access Controls

Access to personal information is restricted to authorized personnel who need it to perform their job functions.

Regular Monitoring

We monitor our systems for potential vulnerabilities and security threats on an ongoing basis.

Secure Storage

Personal information is stored on secure servers with appropriate physical and digital safeguards.

Important Note: While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but remain committed to using commercially reasonable measures to protect your data.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. The specific retention periods depend on the type of information and the purpose for which it was collected:

Client information related to active advisory relationships is retained for the duration of the relationship plus applicable statutory retention periods
Financial records and transaction data are retained as required by Indian tax laws and SEBI regulations, typically 7-8 years
Marketing information is retained until you opt out or request deletion
Website usage data and analytics information are typically retained for 24-26 months

Your Rights and Choices

You have certain rights regarding your personal information. Depending on your location and applicable laws, these may include:

Right to Access

You can request a copy of the personal information we hold about you and information about how we process it.

Right to Rectification

You can request that we correct any inaccurate or incomplete personal information we hold about you.

Right to Erasure

You can request that we delete your personal information, subject to certain legal exceptions and retention requirements.

Right to Data Portability

You can request to receive your personal information in a structured, commonly used format and have it transferred to another organization.

Right to Object

You can object to certain types of processing of your personal information, including for marketing purposes.

Right to Withdraw Consent

Where processing is based on consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided at the end of this Privacy Policy. We will respond to your request within a reasonable timeframe as required by applicable law.

Your Rights and Opt-Out Instructions

You are not required to provide any personal information when using this website. If you prefer not to share your data, you may:

Avoid filling out contact forms, account registrations, or any data-submitting features
Disable cookies through your browser settings (see our Cookie Policy for more details)
Contact us directly to request the deletion of any previously shared personal data

We respect your privacy choices. If you would like us to delete your data, please reach out to us at the contact details provided on our contact page. We will process your request promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page.

If we make material changes to how we handle your personal information, we will notify you through a prominent notice on our website or by sending you an email to the address we have on file. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us About Privacy

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please don't hesitate to contact us:

Capital Advisors

78 Bandra Kurla Complex

Mumbai, Maharashtra 400051

India

Email: [email protected]

Phone: +91 22 6184 7523

We aim to respond to all privacy-related inquiries within 30 days of receipt.