Privacy Policy

1. Who We Are

Integrato Financial Services Private Limited ("Integrato", "we", "our", or "us") is a SEBI-compliant financial services firm registered in India. We are an AMFI-registered Mutual Fund Distributor (ARN), an IRDAI-licensed Insurance Advisor, and operate in accordance with applicable SEBI, AMFI, and IRDAI regulations.

This Privacy Policy applies to information collected through our website integrato.in, our offices, telephonic interactions, and any digital tools or applications operated by us.

NISM Registration No.: NISM-201400033574 | CIN: U74140UP2021PTC149502 | GSTIN: 09AAGCI2359R1ZT | ARN: 173155 | IRDAI: F1047480 | Registered Office: 95-F, 2nd Floor, Galaxy Blue Sapphire Plaza, Near Hira Sweets, Greater Noida West – 201306

2. Information We Collect

We collect information in the following ways:

a) Information You Provide Directly:

• Full name, date of birth, PAN, Aadhaar (where required for KYC)
• Contact details: mobile number, email address, postal address
• Financial information: income, net worth, investment goals, risk tolerance
• Bank account details, Demat account information (for transactions)
• Insurance policy details and health-related information (for insurance advisory)
• Enquiry forms, booking requests, and newsletter sign-ups submitted on our website

b) Information Collected Automatically:

• Device type, browser type, operating system
• IP address and approximate location
• Pages visited, time spent, referral sources
• Calculator usage data (anonymised)

c) Information from Third Parties:

• Information shared by partner platforms (e.g., FundzBazar) for account creation and transaction processing
• KYC data from CKYC Registry or authorised KYC Registration Agencies (KRAs)

3. How We Use Your Information

We use the information collected for the following purposes:

• To provide personalised financial planning, advisory, and investment services
• To process investment transactions, insurance applications, and account openings
• To conduct risk profiling, financial health assessments, and goal-based planning
• To communicate with you about your portfolio, market updates, and advisory recommendations
• To send transactional confirmations, statements, and regulatory notices
• To send educational content, market insights, and newsletters (with your consent)
• To comply with SEBI, AMFI, IRDAI, Income Tax, and other applicable legal requirements
• To improve our website, tools, and service delivery
• To prevent fraud, misrepresentation, and unauthorised access

4. Sharing of Information

We do not sell, rent, or trade your personal information. We share information only in the following limited circumstances:

• Regulated entities: Asset Management Companies (AMCs), insurance companies, depositories (NSDL/CDSL), stock exchanges, and SEBI/AMFI/IRDAI as required for transaction processing and regulatory compliance
• Technology partners: Platform providers such as FundzBazar for investment execution (bound by their own privacy policies and data protection agreements)
• Legal obligation: Government authorities, courts, or law enforcement agencies where required by law, court order, or to protect our legal rights
• Business transfers: In the event of a merger, acquisition, or restructuring of Integrato, with appropriate safeguards in place

All third parties with whom we share data are contractually required to maintain confidentiality and are bound by applicable data protection laws.

5. Data Security

We implement industry-standard security measures to protect your personal information:

• SSL/TLS encryption for all data transmission on our website
• Access controls ensuring only authorised personnel can access client data
• Secure storage with restricted access to sensitive financial and identity information
• Regular review of data handling practices and access logs

While we take all reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to exercise caution and use secure networks when accessing our services.

In the event of a data breach that affects your personal information, we will notify you and the relevant regulatory authorities as required under applicable law.

6. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to improve your browsing experience:

• Essential cookies: Required for the website to function correctly (e.g., session management)
• Analytics cookies: To understand how visitors use our site (e.g., pages visited, time spent), using tools like Google Analytics with IP anonymisation enabled
• Preference cookies: To remember your settings and calculator inputs within a session

You can control cookie settings through your browser. Disabling certain cookies may affect website functionality. We do not use cookies for advertising tracking or retargeting purposes.

7. Your Rights

As a client or website visitor, you have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal information we hold about you
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Deletion: Request deletion of your information, subject to legal and regulatory retention requirements
• Right to Withdraw Consent: Withdraw consent for non-essential communications at any time
• Right to Portability: Request your data in a commonly used, machine-readable format
• Right to Grievance Redressal: Raise a complaint with us or with the relevant regulatory authority

To exercise any of these rights, please write to us at hello@integrato.in or call us at +91 9599181681. We will respond to all legitimate requests within 30 days.

Retention of data: We retain client records for a minimum of 5 years post relationship termination, or as required by SEBI/AMFI/IRDAI regulations, whichever is longer.

8. Third-Party Links

Our website contains links to third-party platforms including FundzBazar (for mutual fund investments), social media platforms, and market data providers. These websites operate under their own privacy policies, and we have no control over their content or data practices.

We encourage you to review the privacy policies of any third-party websites you visit through links on our site. We are not responsible for the privacy practices of external websites.

9. Children's Privacy

Our services are intended for adults (18 years and above). We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have inadvertently collected information from a minor, please contact us immediately at hello@integrato.in and we will take prompt action to delete such information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or regulatory guidance. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify registered clients via email or through our website
• Where required by law, seek your explicit consent

We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us / Grievance Officer

For any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact:

We are committed to resolving all privacy-related grievances within 30 days of receipt.