Privacy Policy

1. Introduction

Plus91 Research ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our investment advisory services.

2. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us, including:

• Name, email address, phone number, and postal address
• Date of birth and nationality
• PAN number and other tax identification information
• Bank account details for payment processing
• Investment experience and risk profile information
• Financial information including income and net worth

KYC Documents

As required by SEBI regulations, we collect KYC documents including:

• Identity proof (Passport, Aadhaar, Driving License)
• Address proof (Utility bills, Bank statements)
• PAN card copy
• Bank account proof
• Income proof documents

Automatically Collected Information

• IP address and device information
• Browser type and version
• Usage data and website interactions
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Providing investment advisory services and recommendations
• Conducting KYC verification as required by SEBI
• Processing payments and managing subscriptions
• Assessing your risk profile and investment suitability
• Communicating with you about our services
• Complying with legal and regulatory requirements
• Improving our services and user experience
• Preventing fraud and ensuring security

4. Legal Basis for Processing

We process your personal information based on:

• Contractual necessity: To provide our advisory services
• Legal compliance: To meet SEBI and other regulatory requirements
• Legitimate interests: To improve our services and prevent fraud
• Consent: For marketing communications and non-essential services

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

Regulatory Compliance

• With SEBI and other regulatory authorities as required
• For tax reporting and compliance purposes
• In response to legal requests and court orders

Service Providers

• Payment processors (Razorpay, banks)
• KYC verification services
• Technology and hosting providers
• Customer support services

We do not sell or rent your personal information to third parties for marketing purposes.

6. Data Security

We implement appropriate technical and organizational measures to protect your information:

• 256-bit SSL encryption for data transmission
• Secure data storage with encryption at rest
• Regular security audits and penetration testing
• Access controls and employee training
• Regular backup and disaster recovery procedures

7. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements (typically 7-8 years for financial records)
• Resolve disputes and enforce our agreements

8. Your Rights

You have the following rights regarding your personal information:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Receive your information in a structured format
• Objection: Object to processing based on legitimate interests
• Consent withdrawal: Withdraw consent for optional processing

9. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your login and preferences
• Analyze website usage and performance
• Provide personalized content and recommendations
• Ensure security and prevent fraud

You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.

10. International Data Transfers

Your information is primarily stored and processed in India. If we transfer information outside India, we ensure appropriate safeguards are in place to protect your information.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

12. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by email or through our website. The date of the last update is shown at the top of this policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: