ARTHUMArthum Wealth Services ("Arthum", "we", "us", "our") is the practice of Utkarsh Agrawal, an AMFI-registered Mutual Fund Distributor based in India. This privacy policy explains what personal information we collect, why we collect it, and how we handle it.
Information we collect
- Contact details you submit via our website forms: name, email, phone, message, area of interest.
- KYC and onboarding information when you choose to invest through us: PAN, Aadhaar, bank details, address proof, photograph and other documents as required by SEBI / AMFI / RBI / IRDAI regulations.
- Financial information you share for portfolio planning: income, existing investments, goals, risk profile.
- Technical data automatically collected when you browse: IP address, browser type, device, pages visited. We use Vercel Analytics, which collects aggregate, privacy-friendly metrics and does not use cookies for tracking.
How we use your information
- To respond to your enquiries and provide the services you request.
- To process mutual fund, insurance, NPS, FD and loan transactions through AMCs, insurers and lenders.
- To send periodic portfolio reviews, statements and relevant updates.
- To comply with KYC, AML and other regulatory obligations.
Sharing with third parties
We share your information only with:
- Asset Management Companies (AMCs), insurance providers, NPS intermediaries and lenders, strictly to execute transactions you authorise.
- Regulators (SEBI, AMFI, IRDAI, RBI, Income Tax) where required by law.
- Technology partners (e.g., AssetPlus, Formspree, Vercel) under standard data-processing terms.
We never sell your data. We do not share it for marketing by third parties.
Data security
We use reasonable technical and organisational measures to protect your data. KYC documents are stored on regulated partner platforms with industry-standard encryption.
Your rights
- You can request access to your personal data we hold.
- You can request correction or deletion of your data, subject to regulatory retention requirements.
- You can opt out of non-essential communications at any time.
Cookies
Our website uses essential, privacy-friendly analytics (Vercel Analytics) and does not set tracking cookies.
Contact for privacy queries
Email utkarsh.agrawal777@gmail.com or call +91 95956 11222.
Changes to this policy
We may update this policy from time to time. Material changes will be reflected with a new "last updated" date at the top of this page.