Privacy Policy

PRIVACY POLICY

Effective Date: 01.01.2020

Last Updated: 16.02.2026

Navanu Wealth (“we”, “our”, “us”) is committed to protecting your personal data and respecting your privacy.

This Privacy Policy explains how we collect, use, store, process, and protect your personal data in accordance with applicable Indian laws including the Digital Personal Data Protection Act, 2023.

1. About Us (Data Fiduciary)

Business Name: Navanu Wealth

ARN: 171208

EUIN: E342695

Location: Kolkata, West Bengal

Email: info@navanuwealth.com

Contact: 7733885010

For the purpose of the DPDP Act, Navanu Wealth acts as a Data Fiduciary.

2. Personal Data We Collect

We may collect the following categories of personal data:

A. Identity Information

Full Name

Date of Birth

PAN

Aadhaar (where permitted by law)

Signature

B. Contact Information

Mobile Number

Email Address

Residential Address

C. Financial Information

Bank Account Details

Income Details

Investment Portfolio Details

Risk Profile Information

D. Technical Data (Website Use)

IP Address

Browser Type

Device Information

Cookies and usage data

We only collect personal data that is necessary for providing financial distribution and related services.

3. Purpose of Processing

Your personal data may be processed for:

KYC and regulatory compliance

Processing investment transactions

Risk profiling

Financial planning services

Communication regarding investments

Regulatory reporting

Grievance redressal

Website functionality and improvement

We process personal data only for lawful purposes and with your consent where required.

4. Consent

By providing your personal data, you:

Consent to its collection and processing for specified purposes

Confirm that the information provided is accurate

Understand that consent may be withdrawn at any time

Withdrawal of consent may affect our ability to provide services.

5. Data Sharing

We may share personal data with:

Asset Management Companies (AMCs)

Registrar & Transfer Agents (RTAs)

Insurance Companies

Banks and Payment Gateways

Regulatory Authorities

KYC Registration Agencies

Government Authorities where legally required

We do not sell personal data.

6. Data Storage & Retention

Personal data is retained:

For as long as required for regulatory compliance

As mandated under applicable financial laws

For legitimate business purposes

After the retention period, data is securely deleted or anonymized.

7. Data Security Measures

We implement reasonable security safeguards including:

Restricted access controls

Secure digital storage systems

Password protection

Encryption (where applicable)

Physical document security

However, no electronic transmission is completely secure.

8. Your Rights Under DPDP Act, 2023

As a Data Principal, you have the right to:

Access your personal data

Correct inaccurate data

Update incomplete data

Withdraw consent

Request erasure (subject to regulatory obligations)

Grievance redressal

To exercise your rights, contact us at the email mentioned above.

9. Cookies Policy

Our website may use cookies to:

• Improve user experience
• Analyze website traffic
• Remember user preferences
• You may disable cookies in your browser settings.

10. Children's Data

We do not knowingly collect personal data of individuals under 18 years of age unless required for lawful investment (e.g., minor investment accounts with guardian consent).

11. Grievance Redressal Officer

As required under applicable law:

Grievance Officer:

Navanu Wealth

Kolkata, West Bengal

Email: info@navanuwealth.com

Contact: 7733885010

We aim to resolve complaints within a reasonable time frame as prescribed by law.

Terms & Conditions

TERMS & CONDITIONS

Effective Date: 01.01.2020

Welcome to the website of Navanu Wealth, Kolkata, West Bengal.
By accessing or using this website, you agree to be bound by the following Terms & Conditions. If you do not agree, please do not use this website.

1. Regulatory Status

Navanu Wealth is a Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI).

· ARN: 171208

· EUIN: E342695

· Location: Kolkata, West Bengal

The securities market in India is regulated by the Securities and Exchange Board of India (SEBI).

Registration with AMFI does not guarantee performance or assure returns.

2. Nature of Services

Navanu Wealth acts as a distributor of:

· Mutual Funds

· Insurance Products

· Fixed Deposits

· Bonds & NCDs

· Other financial products

· Financial Planning Services

· Stocks

We are not an Asset Management Company (AMC), bank, or insurer.
We do not manufacture financial products and do not guarantee returns.

3. No Investment Advice

The information provided on this website:

· Is for general informational and educational purposes only

· Does not constitute investment advice

· Should not be treated as solicitation or recommendation

Investment decisions should be made after assessing your risk appetite, financial goals, and consulting your financial, tax, or legal advisor.

4. Risk Disclosure

· Mutual Fund investments are subject to market risks.

· Past performance may or may not be sustained in the future.

· NAVs fluctuate based on market conditions.

· No scheme guarantees returns unless explicitly stated in official scheme documents.

5. User Responsibilities

By using this website, you agree:

· To provide accurate and complete information when requested

· Not to misuse website content

· Not to attempt unauthorized access to systems or data

· Not to share confidential credentials such as OTPs or passwords

You are responsible for maintaining the confidentiality of your personal and financial information.

6. Accuracy of Information

While Navanu Wealth strives to keep information updated and accurate:

· We make no warranties regarding completeness or reliability.

· Market data, performance figures, and tax laws are subject to change without notice.

· We are not liable for losses arising from reliance on website content.

7. Third-Party Links

This website may contain links to third-party websites including AMCs, insurers, or financial institutions.

Navanu Wealth:

· Does not control such websites

· Is not responsible for their content or privacy practices

· Does not guarantee their accuracy

Users access third-party websites at their own risk.

8. Intellectual Property

All content on this website, including:

· Text

· Logos

· Design

· Graphics

· Documents

Is the property of Navanu Wealth unless otherwise stated and may not be reproduced without written permission.

9. Limitation of Liability

Navanu Wealth shall not be liable for:

· Direct or indirect losses

· Loss of profit or opportunity

· Market-related losses

· Technical disruptions

· Errors or omissions

Investments are subject to inherent market risks.

10. Client Relationship

Accessing this website does not create a distributor-client relationship.

A formal relationship begins only after:

· Completion of KYC

· Risk profiling

· Documentation

· Compliance verification

11. Privacy & Data Protection

Personal data collected will be handled as per applicable Indian laws and internal privacy policies.

Users are advised:

· Never to share OTPs, passwords, or banking credentials

· To report suspicious communication immediately

12. Grievance Redressal

For complaints or grievances, contact:

Navanu Wealth
Kolkata, West Bengal
Email: info@navanuwealth.com
Mobile: 7733885010

If unresolved, investors may escalate complaints to the respective AMC or through the SEBI grievance redressal mechanism (SCORES).

13. Jurisdiction

All disputes shall be subject to the exclusive jurisdiction of courts located in Kolkata, West Bengal.

Code of Ethics & Conduct

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SEBI Guidelines

INVESTOR AWARENESS

At Navanu Wealth (ARN-171208 | EUIN-E342695), Kolkata, West Bengal, we believe informed investors make better financial decisions.

Mutual Funds in India are regulated by the Securities and Exchange Board of India (SEBI), and industry practices are coordinated by the Association of Mutual Funds in India (AMFI).

This page is intended to educate investors about responsible investing, regulatory safeguards, and investor rights.

1. What is a Mutual Fund?

A Mutual Fund pools money from multiple investors and invests it in:

· Equity (Shares)

· Debt Instruments (Bonds, Government Securities)

· Money Market Instruments

· Hybrid combinations

Professional fund managers manage the investments as per the scheme objective.

2. Understanding Risk Before Investing

Every Mutual Fund scheme carries a Riskometer, which indicates:

· Low Risk

· Moderately Low Risk

· Moderate Risk

· Moderately High Risk

· High Risk

· Very High Risk

Investors must align their investments with:

· Financial Goals

· Time Horizon

· Risk Appetite

· Liquidity Needs

Higher returns generally involve higher risk.

3. Mandatory Documents to Read

Before investing, carefully read:

· Scheme Information Document (SID)

· Key Information Memorandum (KIM)

· Statement of Additional Information (SAI)

These documents explain:

· Investment objective

· Asset allocation

· Risk factors

· Exit load

· Expense ratio

4. Direct Plan vs Regular Plan

SEBI mandates two options:

Direct Plan

· No distributor commission

· Lower expense ratio

Regular Plan

· Invested through distributor

· Includes advisory & service support

Navanu Wealth distributes Regular Plans as per applicable commission structure declared by AMCs.

Investors have the right to choose.

5. KYC is Mandatory

Before investing, you must complete:

· PAN-based KYC

· Identity & Address verification

· IPV (In-Person Verification)

Transactions cannot be processed without valid KYC.

6. Nomination Requirement

As per SEBI guidelines:

· Nomination is mandatory
OR

· Investor must formally opt out through declaration

This ensures smooth transmission of assets.

7. Understanding Returns & Volatility

Important points:

· Mutual Fund investments are market-linked.

· Past performance does not guarantee future returns.

· NAV fluctuates daily.

· Short-term volatility is normal in equity markets.

Long-term discipline is important.

8. Expense Ratio & Costs

SEBI regulates the Total Expense Ratio (TER) charged by AMCs.

Expenses are:

· Disclosed transparently

· Included in NAV

· Regulated under SEBI guidelines

9. Investor Rights

As an investor, you have the right to:

· Receive account statements

· Receive annual reports

· Access portfolio disclosures

· Redeem units (subject to scheme rules)

· Lodge complaints

· Update personal details

10. Grievance Redressal Mechanism

If you have a complaint:

1. Contact the respective AMC

2. Contact the Registrar & Transfer Agent (RTA)

3. Escalate through SEBI’s SCORES platform

SEBI monitors complaint resolution.

11. Beware of Fraud & Mis-selling

Investors should:

· Never share OTPs or banking passwords

· Avoid investing based on rumors

· Verify distributor ARN details

· Avoid “guaranteed return” claims in market-linked products

Registration with AMFI does not guarantee returns.

12. Good Investment Practices

✔ Define clear financial goals
✔ Diversify across asset classes
✔ Invest regularly (SIP approach)
✔ Review portfolio periodically
✔ Stay invested for long-term wealth creation

13. Regulatory Disclosure – Navanu Wealth

Navanu Wealth
ARN-171208 | EUIN-E342695
Kolkata, West Bengal

Registered with AMFI.
Registration does not guarantee performance or returns.

Mandatory Risk Disclosure

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.