1. Introduction
Perfect Finserv (“we”, “us”, “our”), led by Ankur Agarwal, offers Wealth Management, Lending & Corporate Advisory, and Coaching & Consulting services. This Privacy Policy explains how we handle personal information when you visit this website, contact us, or enquire about our services.
Our services include wealth management (such as mutual funds, insurance, PMS and fixed deposits), fund raising and lending solutions for individuals and MSMEs, and coaching and consulting. This policy applies to personal information handled in connection with these services.
By using this website or submitting your details, you acknowledge that you have read this policy. If you do not agree with it, please do not use the website or submit personal information.
We handle personal data in line with applicable Indian law, including the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000, along with rules under them.
2. Information we collect
Information you give us
- Contact details: name, email address, phone or WhatsApp number, city.
- Enquiry details: the service you are interested in, your message, and preferred time for a consultation.
- Business information (if you share it): company name, designation, and general funding or advisory requirements.
- Loan and funding enquiries: where you enquire about lending or fund raising, we may collect business and financial details such as turnover, existing borrowings, collateral or property details, and financial statements, so that we can assess and present your requirement.
- Account and transaction information: where you register an account, make a purchase or use certain features of our application, we may collect your name, email address, contact details and other identifiers.
- Communications: emails, messages and call notes exchanged with us.
Information collected automatically
- IP address, browser type, device type, operating system, pages viewed, time spent, and referring website.
- Cookie and similar-technology data (see Section 7).
Through this website we do not ask for passwords, card numbers, OTPs, or PAN/Aadhaar details. Please do not send these through our enquiry form or WhatsApp unless we have specifically asked for them through a secure, authorised process.
Where we onboard you as a client, we may collect further information such as identity, address, bank and financial details as required for the specific service and by applicable law. This will be explained to you at that stage.
Image data (camera and photo gallery)
When you grant permission, our application may access your device’s camera or photo gallery so that you can capture or upload images. Images you capture or upload may be used for document verification in Video KYC. We do not share your image data with third parties unless required by law or necessary to provide the services you have requested.
Location data
With your permission, we may access your location to verify your identity and to grant you access to the application’s features and functionalities.
3. How we use your information
- To respond to enquiries and arrange consultations.
- To understand your needs and recommend relevant services across our three verticals.
- To provide the services you request and manage our relationship with you.
- To send updates, insights or service information, where you have agreed or where permitted by law. You can opt out at any time.
- To provide access to our application’s features and functionalities, personalise your experience, and communicate with you about your account or transactions.
- To verify your identity and documents, including through Video KYC, where applicable.
- To improve website performance, content and user experience.
- To maintain security, prevent misuse or fraud, and keep records.
- To meet legal, regulatory, audit and compliance obligations.
We collect only what we reasonably need for these purposes. We do not sell your personal information.
5. Mutual Fund / Robo platform
This website may link you to a separate technology platform for mutual fund investing, operated by an independent provider. When you leave our website for that platform, your data including any KYC, authentication and transaction information — is collected and processed by that provider under its own privacy policy and terms.
Perfect Finserv does not control the platform’s systems. We encourage you to review its privacy policy before providing information.
6. WhatsApp and other communication
If you contact us on WhatsApp, phone or email, we will use your number or address to reply and follow up on your enquiry. WhatsApp is operated by a third party and processes messages under its own terms and privacy policy. Please avoid sharing sensitive financial identifiers over chat.
You can ask us at any time to stop sending you non-essential messages.
8. Security
We are committed to keeping your information secure. To prevent unauthorised access, alteration, disclosure or destruction, we have put in place suitable physical, electronic and managerial procedures, including secure (HTTPS) connections, access controls and use of reputable hosting and service providers. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. If we become aware of a personal data breach affecting you, we will act and notify as required by law.
9. Retention
We keep personal information only for as long as needed for the purposes in this policy, to deliver our services, or to meet legal, regulatory, tax and audit requirements. When it is no longer required, we delete or anonymise it.
10. Your rights
Subject to applicable law, you may:
- Request a summary of the personal data we hold about you and how it is processed.
- Update your account details and manage your communication preferences.
- Ask us to correct inaccurate or incomplete data.
- Ask us to erase your data, where it is no longer needed and not required to be retained by law.
- Delete your account, or request deletion of certain personal information, by contacting us or, where available, through the settings page of the application.
- Withdraw your consent at any time, without affecting earlier lawful processing.
- Nominate another person to exercise your rights in the event of death or incapacity.
- Raise a grievance with us and, if unresolved, approach the Data Protection Board of India.
To exercise these rights, contact us using the details in Section 14. We may need to verify your identity first.
11. Children
This website is not directed at individuals under 18. We do not knowingly collect their personal data without verifiable consent of a parent or guardian. If you believe a child has provided data to us, please contact us and we will delete it.
12. Third-party links
This website may link to other websites, including partner and provider sites. We do not control or endorse them and are not responsible for their content or privacy practices. Visiting them is at your own risk.
13. Changes to this policy
We may update this policy from time to time. The latest version will always be on this page with its “last updated” date. Please review it periodically.
14. Contact and grievances
For privacy questions, requests or complaints, please contact:
Grievance / Data Protection Contact: Ankur Agarwal , Proprietor
Email: info@perfectfinserv.com
Phone: +919820237296
Address: Goregaon (East), Mumbai - 400063
Registration / licence details: AMFI : ARN-113113
We aim to acknowledge requests promptly and resolve them within a reasonable time.