Privacy Policy

Preamble

At Punji Baazar (“we”, “us”, “our”), your financial journey matters — and so does your privacy. We are a professionally managed investment platform accessible at punjibaazar.com, offering services that span Portfolio Management Services (PMS), Alternative Investment Funds (AIFs), Mutual Funds, Fixed Income products (NCDs), Startup Investments, and Pre-IPO opportunities. This Privacy Policy sets out how we handle personal information belonging to visitors, registered users, and clients (“you”, “your”, “Users”, “Clients”) who interact with our website, services, and digital tools. We encourage you to read this document carefully, so you understand what data we gather, why we need it, and the controls available to you.

1. Scope & Applicability

The terms of this Privacy Policy govern all personal and non-public data that flows through punjibaazar.com — whether collected, processed, stored, or otherwise handled by us. This includes individuals and entities who browse our platform, register an account, or subscribe to any of our investment services. Punji Baazar caters to a diverse clientele spanning India, the United States, and select international markets. Each time you use our services, you reaffirm your understanding and acceptance of this policy, which we may revise periodically to reflect evolving practices or legal requirements.

2. Information We Collect

Depending on how you engage with our platform, we may gather the following types of information:

  • Identity & Contact Details: your full name, email address, mobile number, postal address, geographic location, and any demographic or profile-related data you share.
  • Account & Login Information: details required to create and manage your account, including credentials, authentication records, and your stated communication preferences.
  • Financial & Investment Particulars: your investment objectives, risk profile, portfolio composition, financial targets, and transaction details linked to services such as PMS, AIF, Mutual Funds, NCDs, Startup Investments, or Pre-IPO opportunities.
  • Device & Browsing Data: technical information such as your IP address, device type, browser version, operating system, cookie data, and records of your activity on our platform (including pages visited, time spent, and tools or calculators used).
  • voluntarily shared information: Anything you choose to submit beyond the above, including feedback, survey answers, or messages exchanged with our team.

Our data collection is guided by the principle of proportionality — we gather only what is genuinely needed for the purposes outlined here. We do not seek or retain sensitive personal data (such as biometric or health information) unless specifically requested and expressly consented to by you.

3. Purpose of Collection & Use

Your data is processed to serve the following clearly defined objectives:

  • To deliver, sustain, and continually enhance the investment services on punjibaazar.com — this covers account setup, personalised investment guidance, connecting investors with appropriate PMS/AIF/Mutual Fund/NCD/Pre-IPO opportunities, and supporting investor-related interactions.
  • To ensure smooth access to and navigation of our website, including financial planning tools such as the SIP, NCD, PMS, and Mutual Fund calculators.
  • To keep you informed — including sharing service updates, investment newsletters, account alerts, or responses to your support queries.
  • To support internal operations such as usage analytics, platform improvement, fraud prevention, system security, and technical troubleshooting.
  • to meet our obligations under applicable laws and regulations, including those set out by sebi and other relevant indian and international financial authorities.

Data collected for a specific purpose will not be repurposed for something unrelated, unless you have separately consented to such use.

4. Consent, Disclosure to Third Parties & Event Participation

  • When you register or submit an enquiry on punjibaazar.com, you signal your informed consent to our data collection and usage practices as described in this policy.
  • Your personal data is not for sale. We do not trade, lease, or transfer your information to outside parties for their own commercial or marketing purposes.
  • Disclosure to third parties is strictly controlled and limited to: (a) entities within our affiliated group; (b) vendors or technology partners engaged to deliver specific services on our behalf — bound by confidentiality agreements and permitted only to use your data for the agreed task; (c) fund managers, AMCs, and PMS/AIF/FME providers where data sharing is essential to connect you with the right investment product; and (d) regulatory authorities, courts, or government bodies when disclosure is legally mandated.
  • Should you participate in any webinar, event, seminar, or programme hosted by Punji Baazar or co-organised with partner fund houses, your contact details and relevant information may be passed to the event organiser for post-event outreach, including calls, emails, or promotional messages about their offerings.
  • In all cases of third-party sharing, we limit the information disclosed to what is strictly necessary. External parties are contractually restricted from using your data for any purpose outside the scope of our arrangement or beyond what is lawfully permitted.

5. Data Retention & Deletion

  • We hold your personal data for as long as it serves its original purpose — whether that is maintaining your account, delivering investment services, or satisfying regulatory requirements. Once that purpose lapses, we do not retain it unnecessarily.
  • On expiry of the retention period, or when you request removal of your data (see Section 6), we will either permanently erase or anonymise the relevant records from our live systems — except in cases where applicable law requires us to keep them for a defined period.

6. Your Rights

As a user of our platform, you hold the following rights in relation to your personal data:

  • Right to Access: You are entitled to request a copy of the personal information we hold about you at any time.
  • Right to Rectification: If any data we hold is inaccurate or out of date, you may ask us to correct or update it.
  • Right to Erasure: You may request that we delete your personal data once it is no longer required for the purpose it was collected, or upon withdrawal of your consent.
  • Right to Withdraw Consent: You may pull back your consent for how we collect, handle, or share your data, subject to any legal constraints and with the understanding that certain services may no longer be available to you as a result.
  • Right to Object or Restrict Processing: Where permitted by law, you may raise an objection to, or ask us to limit, how we process your information.

To act on any of these rights, or if you wish to raise a query or concern, please reach out to us through the contact information listed at the end of this document. We are committed to responding in a timely manner.

7. Security & Confidentiality

Safeguarding your data is a responsibility we take seriously. We deploy a layered set of technical, operational, and administrative controls designed to guard against unauthorised access, accidental exposure, tampering, or loss of personal information. Our measures encompass encrypted data transmission, secure server infrastructure, role-based access controls, routine security reviews, and ongoing staff awareness. Given our multi-market presence spanning India, the United States, and beyond, we are especially mindful of maintaining robust standards across all geographies in which we operate.

8. Cookies & Tracking Technologies

To make your experience on punjibaazar.com seamless and personalised, we — along with select third-party service providers — make use of cookies and related technologies such as web beacons and local browser storage. These tools help us maintain active sessions, remember your preferences (including calculator settings), study how visitors use our platform, and strengthen site security. Should you prefer not to allow cookies, you can adjust this through your browser settings. Please note, however, that opting out may limit certain features or alter how the website behaves for you.

9. Third Party Websites & Links

From time to time, our website may include hyperlinks directing you to external websites, platforms, or digital resources that fall outside the control of Punji Baazar. This Privacy Policy covers only our own platform and does not extend to those third-party destinations. We bear no responsibility for how those sites collect or manage your information. We recommend reviewing each site’s own privacy terms before sharing any personal details with them.

10. International / Cross-Border Data Transfer

Given that Punji Baazar operates across India, the United States, and other international markets, it may occasionally be necessary to transfer your personal data to systems or partners located outside your country of residence. Where such transfers occur, we take steps to ensure they are conducted lawfully and that your data continues to receive a level of protection consistent with this policy, including appropriate confidentiality and security measures.

11. Data Breach & Notification

Should a security incident occur that results in your personal data being accessed or exposed without authorisation, we will act swiftly to contain the situation and minimise any impact. Affected users will be notified without undue delay, and we will fulfil all obligations required under applicable data protection and breach notification laws.

12. Changes to this Privacy Policy

This Privacy Policy may be updated from time to time as our services evolve or as legal requirements change. Any revisions will be published on this page along with an updated effective date. By continuing to use our platform after changes are posted, you accept the revised policy. If you do not agree with the updated terms, we request that you discontinue using our website and services.

13. Contact / Grievance / Data Protection Officer

If you have any questions, concerns, requests, or grievances related to this Privacy Policy or the handling of your personal data, please do not hesitate to get in touch with us:
Email (Sales Enquiries): sales@punjibaazar.com
Email (Support & Grievances): support@punjibaazar.com
Phone: +91 9056951844

Serving clients across India, U.S., and other international markets.

We aim to address all requests promptly and will do so within the timeframes stipulated by applicable law.

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