SHIV JEEVIKA RAY CAPITAL LTD

Shiv Jeevika Ray Capital Ltd

Shiv Jeevika Ray Capital Ltd (“the Company”) is committed to protecting your privacy and ensuring a transparent and fair refund process for our customers. This policy outlines how we collect, use, store, and manage your personal information, as well as our refund terms for investments . By engaging with our services, you agree to this policy in full.

Privacy Policy

1. Introduction

This Privacy Policy describes how the Company collects and processes your personal information to provide financial services, comply with regulatory requirements, and enhance customer experience. We ensure that your data is handled responsibly and in compliance with applicable laws.

2. Information We Collect

A. Personal Information:
We collect information such as:

• Name, Date of Birth, Gender
• Contact Details (Address, Phone Number, Email)
• Identification Documents (Aadhaar, PAN, Passport, or equivalent)

B. Financial Information:

• Bank Account Details
• Income or Tax-related Information (where applicable)
• Details of Transactions (e.g., deposits, withdrawals, and investments)

C. Device and Log Data:

When you interact with our website or mobile applications, we may collect:

• IP Address
• Browser Type
• Usage Statistics

D. Cookies and Tracking Data:

Cookies may be used to improve user experience and track preferences. Customers may disable cookies via browser settings.

3. How We Use Your Information

We use your information to:

• Process applications for Investments.
• Maintain and update customer records.
• Comply with legal obligations under the Income Tax Act, Company Act 2013 regulations, or other applicable laws.
• Provide customer support and resolve disputes.
• Send promotional updates or notifications, subject to your consent.

4. Data Sharing and Disclosure

A. Third-Party Service Providers:

We may share your information with trusted vendors for:

• Payment Processing
• IT Support and Cloud Hosting
• Customer Service Operations

B. Regulatory Compliance:
Your information may be disclosed to government authorities or regulators as mandated by law.

C. Fraud Prevention:

Data may be shared with investigative agencies in cases of suspected fraud or unauthorized transactions.

5. Security Measures

We implement advanced security protocols, including:

• SSL Encryption for online interactions.
• Secure storage for physical and electronic records.
• Regular audits to ensure data integrity.

6. Customer Rights

You have the right to:

• Access: Request a copy of your personal data held by us.
• Correction: Rectify inaccuracies in your personal or financial information.
• Deletion: Request deletion of data, subject to compliance with legal retention policies.
• Requests can be submitted via email to [helpdeskbokaro@shivjeevikaraycapital.com].

7. Retention of Data

Your data will be retained:

• For as long as necessary to fulfill the purpose for which it was collected.
• To comply with legal obligations or resolve disputes.

8. Changes to Privacy Policy

The Company reserves the right to update this policy. Any changes will be notified via email or posted on our website. Continued use of our services after policy changes constitutes acceptance of the updated terms.