Privacy Policy
Apex TechFin is committed to protecting your personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable financial regulations under SEBI, AMFI, IRDAI, and RBI.
Who We Are
Apex TechFin (“we”, “us”, or “our”) is an AMFI-registered Mutual Fund Distributor (ARN-354187, registered in the company name “APEX TECHFIN”) providing financial distribution and consultation services. Insurance is solicited by individually IRDAI-licensed agents associated with this brand. This Privacy Policy explains how we collect, use, share, and protect your personal data in our capacity as a Data Fiduciary under the Digital Personal Data Protection Act, 2023.
By using our website, mobile application, or services, you acknowledge that you have read and understood this Policy. If you do not agree, please discontinue use of our services.
Data We Collect
We collect personal data only to the extent necessary to provide our services and comply with applicable financial regulations (data minimisation principle, Section 8(3) DPDP Act).
| Category | Data Examples | Basis |
|---|---|---|
| Identity | Full name, date of birth, gender, PAN card, Aadhaar (last 4 digits only) | Consent + KYC Legal Obligation |
| Contact | Mobile number, email address, residential address, city, pincode | Consent |
| Financial | Income range, investment objectives, risk appetite, bank account details for mandate, existing portfolio | Consent + Service Delivery |
| KYC / Regulatory | PAN verification, In-Person Verification (IPV) details, FATCA declarations, nominee details | Legal Obligation (PMLA, SEBI, IRDAI) |
| Transaction | Investment history, SIP details, insurance premium records, loan enquiry details, order confirmations | Contract Performance |
| Technical | IP address, browser type, device ID, pages visited, session duration, referral source | Consent (cookies) / Legitimate Use |
| Communication | Enquiry messages, support tickets, call recordings (with prior notice), email correspondence | Consent / Legitimate Use |
* We do not collect biometric data, caste/religion, or any data of persons under 18 years of age. Children are not our intended service audience.
Purpose of Processing
- KYC completion and AMFI compliance
- SIP/lumpsum order processing via BSE StarMF
- Portfolio reporting and statement generation
- Regulatory reporting to AMFI / fund houses
- All transactions under company ARN-354187
- Proposal form completion by individually licensed IRDAI agent
- Premium calculation and comparison
- Policy issuance coordination with insurer
- Renewal reminders and claim support
- IRDAI regulatory compliance per individual agent license
- Eligibility assessment and profile matching
- Lender comparison and recommendation
- Application assistance and documentation
- Status tracking and follow-up
- Account creation and authentication
- Customer support and grievance resolution
- Website / app improvement via analytics
- Fraud prevention and security monitoring
- Legal obligation compliance and audit
Your data will not be used for any purpose other than those specified above without obtaining fresh, specific consent from you (Section 6, DPDP Act).
Lawful Basis for Processing
Under the DPDP Act 2023, we process your personal data on the following lawful grounds:
Data Sharing & Third Parties
We do not sell your personal data. We share it only with the following categories of parties and only to the extent required for service delivery or legal compliance:
Cross-Border Transfers: Our primary data storage is within India. Where cloud service providers process data outside India, we ensure contractual safeguards and comply with any restrictions notified by the Central Government under Section 16 of the DPDP Act. No restricted destinations (as per Central Government notifications) are used.
Data Retention
We retain personal data only for as long as necessary for the stated purpose or as mandated by applicable law (Section 8(7) DPDP Act — data must be purged once the purpose is fulfilled, subject to legal retention requirements).
Security Safeguards
We implement reasonable security safeguards as required under Section 8(4) of the DPDP Act to prevent unauthorised access, disclosure, or loss of personal data.
Data Breach Notification: In the event of a personal data breach that is likely to cause harm to you, we will notify the Data Protection Board of India and you in the prescribed form and manner under Section 8(6) of the DPDP Act.
Your Rights as a Data Principal
Under the DPDP Act 2023, you have the following rights. Exercise them by contacting our Grievance Officer.
How to exercise your rights: Send a written request to info@apextechfin.com with your name, registered mobile number, and a description of your request. We will respond within 30 days of receipt. For unresolved grievances, you may file a complaint with the Data Protection Board of India (DPBoI) once it is operationalised.
Children's Data
Section 9 DPDP Act Compliance: Our financial services are intended for adults (18 years and above). We do not knowingly collect personal data of any person under 18 years of age. If you are a parent or guardian and believe we have inadvertently collected data of a minor, please contact our Grievance Officer immediately for prompt deletion. We do not conduct any tracking, behavioural monitoring, or targeted advertising directed at children.
Grievance Officer
In accordance with the DPDP Act and applicable SEBI/IRDAI regulations, we have designated a Grievance Officer to handle data protection queries:
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, or applicable law. We will notify you of material changes via email or a prominent notice on our website. The updated policy will carry a revised “Last Updated” date. Continued use of our services after the effective date constitutes acceptance.
This Privacy Policy was last reviewed on 9 June 2025 and is compliant with the Digital Personal Data Protection Act, 2023 (Act No. 22 of 2023) and the draft DPDP Rules as available for public consultation.
Questions about your data?
Our Grievance Officer is available to address any data protection concerns you may have.