Privacy Policy
How we collect, use and protect your information.
This Privacy Policy explains how FundGrowth Bond Pvt. Ltd. ("FundGrowth", "we", "us") collects, uses, stores and protects your personal information when you use our website (fundgrowth.in), our Android app and our services. It is published in accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.
1. Information we collect
- Identity & contact data — name, email, mobile number, date of birth, address.
- KYC documents — PAN, Aadhaar (masked where possible), bank proof / cancelled cheque; for corporates: company PAN, incorporation certificate, GST certificate, board resolution and authorised-signatory ID.
- Financial data — bank account details for payouts, investment, interest and withdrawal records, payment receipts and UTR references.
- Technical data — device type, app version, IP address, login timestamps and security events.
2. How we use it
- To open and operate your investment account and verify your identity (KYC/AML).
- To process investments, interest payouts, withdrawals and generate statements and certificates.
- To send transactional communications — confirmations, payout notices, statements, security alerts — by email, SMS or in-app notification.
- To prevent fraud, meet legal and regulatory obligations and respond to lawful requests.
- To improve our services. We do not sell your personal data and do not use it for third-party advertising.
3. Sharing
We share data only with: (a) service providers who process it on our instructions — cloud hosting, Resend, Inc. for transactional email, SMS gateways; (b) banks and payment partners to execute payouts; (c) regulators, courts or law-enforcement where legally required; and (d) professional advisers under confidentiality. Every provider is bound by contract to protect your data.
4. Storage & security
Data is stored on encrypted infrastructure. KYC documents are encrypted at rest, access is role-based with maker–checker controls, and every staff action is recorded in an immutable audit log. We retain records for the period required by applicable law (typically at least 5 years after the relationship ends) and delete or anonymise them thereafter.
5. Your rights
You may access, correct or request deletion of your personal data, withdraw consent (where processing is based on consent) and nominate a representative. Use the app's Profile section or write to support@fundgrowth.in. See Account deletion for how closure works. We respond within 30 days.
6. Children
Our services are for persons aged 18 and above. We do not knowingly collect data from minors.
7. Changes & contact
We may update this policy; material changes are notified in the app or by email. Grievance Officer: support@fundgrowth.in, FundGrowth Bond Pvt. Ltd., registered office in India.