PRIVACY POLICY

Last Updated: August 2026

Ragaas Finserve ("we", "our", or "us") is committed to safeguarding the privacy and security of personal and financial information collected through www.ragaasfinserve.com.

1. Information We Collect
We collect personal data only when voluntarily submitted by you through our contact forms, newsletter subscription boxes, consultation scheduling links, or WhatsApp inquiries:
• Identity & Contact Data: Name, mobile/WhatsApp number, email address, city/state.
• Financial & Goal Inputs: Broad investment objectives (e.g., retirement horizons, SIP targets, insurance needs) submitted via forms or interactive calculators.
• Technical Data: Standard web analytics, IP addresses, browser types, and session cookies to optimize website performance.

2. Purpose & Use of Data
Collected information is utilized strictly to:
• Provide requested portfolio audits, goal simulations, and advisory callbacks.
• Send the fortnightly FinSights market newsletter and regulatory updates (only if opted in).
• Facilitate authorized KYC, onboarding, and transaction execution via registered partner platforms (including CAMS, KFintech, Wealthy, Asset Plus, Prudent, and NSE MF Invest).

3. Data Sharing & Third Parties
• Zero Selling/Renting: We never sell, rent, or trade your personal information to any third-party marketing agencies.
• Regulatory & Transactional Partners: Data is shared strictly on a need-to-know basis with AMCs, RTAs (CAMS/KFintech), transaction exchange portals, and regulatory authorities where mandated by law or necessary to execute mutual fund and insurance transactions requested by you.

4. Data Security
We implement industry-standard encryption and security protocols to safeguard your personal data from unauthorized access, alteration, or disclosure.

5. Your Rights & Opt-Out
You may request the deletion, review, or updating of your personal information at any time, or unsubscribe from the FinSights newsletter with a single click, by writing to santosh@ragaasfinserve.com.

6. Grievance Redressal Officer
In accordance with the Information Technology Act 2000 and the Digital Personal Data Protection Act:
Grievance Officer: Santosh Raman Karthik
Email: santosh@ragaasfinserve.com | Phone: +91 98200 40414
Address: Thane, Maharashtra, India