# Privacy Policy — Arthum Wealth Services

*Last updated: May 2026*

## Information we collect
- Contact details from website forms (name, email, phone, message).
- KYC and onboarding info when you invest through us (PAN, Aadhaar, bank, address, photo).
- Financial information for portfolio planning (income, existing investments, goals, risk profile).
- Technical data via Vercel Analytics (aggregate, privacy-friendly, no tracking cookies).

## How we use it
- Respond to enquiries and provide services.
- Process MF, insurance, NPS, FD and loan transactions with regulated partners.
- Send portfolio reviews, statements, updates.
- Comply with KYC, AML and regulator requirements.

## Sharing
Only with AMCs, insurers, NPS intermediaries, lenders, regulators (SEBI, AMFI, IRDAI, RBI, IT), and tech partners (AssetPlus, Formspree, Vercel). **Never sold. Not shared for 3rd-party marketing.**

## Your rights
Access, correction, deletion (subject to regulatory retention), opt-out of non-essential comms.

## Cookies
Essential privacy-friendly analytics only.

## Contact
utkarsh.agrawal777@gmail.com · +91 95956 11222