Privacy Policy

Last Updated: 06.08.2025

Opalblue Wealth Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at [Insert Address], India (hereinafter referred to as “Company”, “We”, “Us” or “Our”, which expression shall include its affiliates, successors, and permitted assigns) owns and operates the website www.opalbluewealth.com and/or the mobile application “Opalblue” (collectively, the “Platform”).

“You” and “Your” refers to any person who visits, accesses, or uses the Platform or avails any Services (defined below) offered by Us.

This Privacy Policy outlines how your personal and transactional data is collected, used, processed, stored, shared, and protected by us.

1. Scope and Consent

By accessing or using our Platform or Services (defined below), you accept and agree to the terms of this Privacy Policy. This Privacy Policy is deemed to be an electronic record in accordance with the Information Technology Act, 2000, and does not require any physical or digital signature.

2. Regulated Services Covered

This Privacy Policy applies to your use of our Services including but not limited to:

• Mutual Fund Distribution (via SEBI-registered RTAs and BSE/NSE platforms)

• Portfolio Management Services (PMS) referral and advisory

• Smallcase Model Portfolios

• Life, Health & General Insurance (via IRDAI-licensed partners)

• Loan Against Mutual Funds (in association with SEBI/RBI-regulated NBFCs and Banks)

3. Types of Information Collected

We collect the following categories of information:

• Personal Information: Name, PAN, Aadhaar (voluntary), date of birth, mobile number, email address, nominee details, etc.

• Transactional Information: Mutual fund investments, portfolio details, transaction history, insurance premiums, etc.

• Non-Personal Information: Device ID, IP address, browser data, cookies, geolocation.

• Financial Data: Bank account details, loan details, demat account numbers (as applicable).

• Communication Data: Emails, chat history, call recordings (if applicable), and in-app messages.

All information is collected voluntarily and used solely for the purposes stated in this policy.

4. Purpose of Collection & Use

We may use your information:

1. To process investments, loans, or insurance proposals

2. To perform KYC validation and regulatory reporting

3. To improve the usability of our Platform and services

4. To customize your user experience

5. To send you transaction alerts, portfolio updates, or service reminders

6. To comply with legal and regulatory obligations (SEBI, IRDAI, RBI, etc.)

7. For risk profiling, credit scoring (for LAMF), and customer segmentation

8. For marketing and communication (with opt-out provisions)

9. For fraud detection, cybersecurity, and legal compliance

5. Data Sharing & Disclosure

We may share your information:

• With SEBI/IRDAI-registered partners like RTAs, AMCs, PMS managers, insurance companies, and lending institutions for service delivery

• With statutory or regulatory authorities under applicable laws

• With third-party service providers for KYC, CRM, hosting, analytics, and payment processing

• Within our corporate group (subsidiaries/affiliates) for joint service offerings

• In case of a merger, acquisition, or business restructuring

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

6. Third-Party Integrations

Our Platform may contain links to third-party websites (payment gateways, insurer portals, smallcase, etc.). These sites are governed by their own privacy practices, and we do not assume responsibility for the policies or content of those platforms.

7. Email/SMS Access & Consent

By registering, you authorize us and our partners to access your registered email/SMS (with consent) for verification and consolidation of financial holdings, and for service-related notifications. This data is processed using secure encryption and used only for the stated purposes.

8. Cookies and Tracking

We may use cookies and similar technologies to:

• Maintain session states

• Enable faster loading and customized recommendations

• Track platform performance and user behavior analytics

You can disable cookies in your browser settings, though it may affect functionality.

9. Security Measures

We adopt best-in-class encryption and security standards including:

• HTTPS-based data transmission

• SSL encryption for payment gateways

• Two-factor authentication (2FA)

• Access control and data minimization

• Periodic vulnerability audits

However, we disclaim liability for unauthorized access due to user negligence, phishing, or force majeure events.

10. User Rights and Data Retention

You have the right to:

• Access, review or correct your personal data

• Withdraw consent or restrict processing (where applicable)

• Request deletion of your account by writing to [Insert Email]

We retain data for as long as required to fulfill legal, audit, and regulatory obligations or until voluntarily deleted by the user.

11. Grievance Redressal

For any complaints, requests, or concerns, contact:

Grievance Officer: Ravichandiran S
Email: opalbluewealth@gmail.com
Phone: +91-9715234408
Response Timeline: Within 15 business days

12. Changes to the Privacy Policy

We reserve the right to amend this Privacy Policy at any time. The revised version will be effective upon posting on the Platform. Continued use of services post such changes constitutes your acceptance.

13. Governing Law and Jurisdiction

This Privacy Policy is governed by Indian laws and subject to the exclusive jurisdiction of the courts of Erode.

Your trust is our priority. We are committed to safeguarding your data and delivering services in a secure, compliant, and transparent manner.