Harmoney Finserv ("we", "our", "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, process, disclose, and protect your data when you access our website, mobile platforms, or any services provided by us ("Services"). By using our Services, you agree to the terms outlined in this Policy.
1. Introduction
2. Consent
By accessing or using our Services, submitting information, or communicating with us, you provide your consent to the collection and processing of your personal data in accordance with this Privacy Policy.
Important: You may choose not to provide certain information; however, doing so may limit your ability to use specific features of our Services.
3. Definitions
"Personal Data": Any information that can identify
you personally, such as your
name, contact details, KYC information, or device information.
"Services": All digital and offline offerings
provided by Harmoney Finserv, including
our website, communications, analytics, and customer support.
4. What Data We Collect
Harmoney Finserv collects only the information necessary to deliver our services effectively and in compliance with applicable regulations.
Important Security Note: We do NOT collect or store any bank account numbers, credit/debit card details, CVV, PINs, net-banking usernames or passwords, UPI IDs or PINs, or any other sensitive financial login information.
4.1 Basic Identification Information
We may collect personal identification details such as your name, date of birth, gender, and PAN, only when required for identity verification, regulatory compliance, or service delivery.
4.2 Contact Information
We may collect your email address, mobile number, and communication address to communicate with you, send updates, and provide support.
4.3 KYC Information (Only When Legally Required)
Where mandated by law or regulatory requirements, we may collect and process KYC documents such as PAN, Aadhaar (masked), or any other officially valid documents. These are stored securely and used solely for compliance.
4.4 Technical & Device Information
When you visit our website or interact with our digital platforms, we automatically collect technical details such as:
IP address
Browser type and version
Device identifiers
Operating system details
Cookie data and website analytics
4.5 Communication & Interaction Data
We may retain information shared through contact forms, email communication, support requests, surveys, or any voluntary information provided by you during your interaction with us.
5. How We Use Your Data
We use your information strictly for legitimate business and service-related purposes, including:
Providing and improving our Services
Responding to queries and providing support
Handling compliance checks and verification
Sending alerts and updates
Enhancing performance and user experience
Ensuring security and fraud prevention
Maintaining legally required records
6. Sharing, Disclosure & Transfer of Data
We may share your data with:
Service providers for operational support
Legal authorities when required by law
Parties involved in business restructuring
All data sharing occurs under strict confidentiality and compliance safeguards. International transfers occur only with proper protection mechanisms in place.
8. Data Security & Retention
Security Assurance: We implement industry-standard security
measures to
protect your data against unauthorized access, alteration, disclosure, or
destruction.
We retain your data only as long as necessary for the purposes outlined in this Policy or as required by law. After the retention period, data is securely deleted or anonymized.
9. Your Rights
You have the right to:
Access your personal data
Correct inaccurate information
Request deletion of your data
Withdraw consent
Opt out of marketing communications
How to Exercise Your Rights
To exercise any of these rights, please contact our Chief Information Security Officer:
Email: vignesh@harmoneywealth.com
Questions about our Privacy Policy?
If you have any questions or concerns regarding our privacy practices, please don't hesitate to contact us.
Contact Us