Terms & Conditions

Monish Shah Financial Planning Services (“MSFPS”, “we”, “us”, or “our”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.monishshah.in (the “Website”) or use our services.

By accessing or using our Website and services, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Website or use our services.

2. INFORMATION WE COLLECT

2.1 Personal Information You Provide

We collect information you voluntarily provide when you:

• Fill out contact forms or inquiry forms on our Website
• Schedule appointments or consultations
• Register for our services or create an account
• Subscribe to newsletters or updates
• Communicate with us via email, phone, or WhatsApp
• Submit KYC documents for financial services

This information may include:

• Full name and contact details (email, phone, address)
• Date of birth and age
• PAN number, Aadhaar number (for KYC purposes)
• Bank account details
• Income and financial information
• Investment preferences and risk profile
• Existing insurance and investment details

2.2 Information Automatically Collected

When you visit our Website, we may automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on each page
• Referring website or source
• Cookies and similar tracking technologies

3. HOW WE USE YOUR INFORMATION

We use the information we collect to:

• Provide, maintain, and improve our financial advisory services
• Process transactions and manage your accounts
• Complete KYC verification as required by regulatory authorities (IRDAI, SEBI, AMFI)
• Respond to your inquiries and provide customer support
• Send administrative information, updates, and service-related communications
• Send marketing communications (with your consent)
• Analyze usage patterns to improve our Website and services
• Comply with legal obligations and regulatory requirements
• Protect against fraud and unauthorized transactions

4. INFORMATION SHARING AND DISCLOSURE

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

4.1 With Service Providers and Partners

We share information with insurance companies, mutual fund AMCs, PMS providers, banks, and other financial institutions solely to process your applications and provide requested services. These partners are bound by confidentiality agreements.

4.2 For Legal and Regulatory Compliance

We may disclose information when required by law, regulation, legal process, or governmental request, including to IRDAI, SEBI, AMFI, Income Tax authorities, and other regulatory bodies.

4.3 To Protect Rights and Safety

We may disclose information to protect the rights, property, or safety of MSFPS, our clients, or others.

5. DATA SECURITY

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL encryption for data transmission
• Secure storage of physical and digital records
• Access controls and authentication measures
• Regular security assessments
• Employee training on data protection

6. 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. Financial records are retained as per regulatory requirements (typically 8-10 years after the relationship ends).

7. YOUR RIGHTS

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt-out of marketing communications
• Withdraw consent for data processing

8. COOKIES AND TRACKING TECHNOLOGIES

Our Website uses cookies and similar technologies to enhance your browsing experience. You can control cookie preferences through your browser settings. Types of cookies we use:

• Essential cookies: Required for Website functionality
• Analytics cookies: Help us understand how visitors use our Website (Google Analytics)
• Marketing cookies: Used to deliver relevant advertisements

9. THIRD-PARTY LINKS

Our Website may contain links to third-party websites (insurance companies, AMCs, regulatory bodies). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of our Website and services after any changes constitutes acceptance of the revised Privacy Policy.

11. CONTACT US

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

Monish Shah Financial Planning Services

Gajanan Building No. 6, Flat No. 4, Ground Floor,

Gajanan Colony Road, Behind Bank of Baroda,

Jawahar Nagar, Goregaon West, Mumbai – 400104

Email: support@monishshah.in

Phone: +91 7977469728