Privacy Policy

1. Introduction

Welcome to NiveshSakha, operated by JeevanNirvana Solutions Pvt. Ltd. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with us in any way.

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when:

• Registering for our services
• Filling out contact forms or service request forms
• Subscribing to our newsletters or communications
• Participating in surveys or feedback requests
• Contacting us for support or inquiries

Personal Information Types:

• Contact Information: Name, email address, phone number, postal address
• Identity Information: PAN card, Aadhaar number, passport details (as required for services)
• Financial Information: Bank account details, income information, investment portfolio details
• Employment Information: Company name, designation, salary details, employer information
• Tax Information: Previous year tax returns, Form 16, other tax-related documents
• Family Information: Spouse and dependent details for tax planning and financial services

2.2 Financial Documents

For our specialized services, we may collect:

• Income tax returns and related documents
• Bank statements and investment proofs
• Insurance policies and claim documents
• Mutual fund and share certificates
• Property documents for asset planning
• Legal documents for litigation funding services

2.3 Technical Information

We automatically collect certain information when you visit our website:

• Device Information: IP address, browser type, device type, operating system
• Usage Data: Pages visited, time spent, click patterns, referral sources
• Cookies and Tracking: Session cookies, preference cookies, analytics cookies
• Location Data: General location based on IP address (not precise location)

2.4 Communication Records

• Email correspondence and attachments
• Phone call recordings (with consent) for quality and training purposes
• WhatsApp messages and shared documents
• Video call recordings (with explicit consent) for consultation purposes

3. How We Use Your Information

3.1 Service Delivery

• Providing tax filing and financial planning services
• Processing your service requests and transactions
• Recovering unclaimed investments and insurance
• Preparing legal documents for will and asset transfer
• Managing litigation funding applications
• Conducting investment and insurance diagnosis

3.2 Communication and Support

• Responding to your inquiries and providing customer support
• Sending service updates, confirmations, and important notices
• Providing appointment reminders and follow-up communications
• Sharing relevant financial insights and educational content

3.3 Legal and Compliance

• Complying with legal obligations and regulatory requirements
• Filing tax returns and other compliance documents with authorities
• Maintaining records as required by law
• Responding to legal requests and court orders

3.4 Business Operations

• Processing payments and managing billing
• Analyzing service usage to improve our offerings
• Conducting research and development for new services
• Managing risk and fraud prevention

3.5 Marketing and Outreach (with consent)

• Sending newsletters and promotional materials
• Informing about new services and special offers
• Conducting customer satisfaction surveys
• Personalizing your experience on our website

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Payment Processing: Razorpay and other payment gateways for secure transaction processing
• Government Authorities: Income Tax Department, MCA, and other regulatory bodies for compliance
• Technology Partners: Cloud storage providers, email service providers, analytics platforms
• Professional Partners: Chartered accountants, lawyers, and financial advisors for specialized services
• Document Management: Secure document storage and processing services

4.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or legal processes
• Government investigations or regulatory inquiries
• Tax audits and compliance checks
• Requests from authorized government agencies

4.3 Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity, subject to the same privacy protections.

4.4 Consent-Based Sharing

We will obtain your explicit consent before sharing your information for purposes not covered in this policy.

5. Data Security and Protection

5.1 Security Measures

• Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard encryption protocols
• Access Controls: Strict access controls and authentication procedures for our staff
• Secure Infrastructure: Protected servers and networks with regular security updates
• Regular Audits: Periodic security assessments and vulnerability testing
• Data Backup: Secure backup procedures to prevent data loss

5.2 Employee Training

• Regular privacy and security training for all employees
• Confidentiality agreements and professional ethics training
• Limited access to information on a need-to-know basis
• Background checks for all staff handling sensitive information

5.3 Physical Security

• Secure physical premises with controlled access
• Locked storage for physical documents
• Secure disposal of documents and electronic media
• CCTV monitoring and security protocols

6. Data Retention

6.1 Retention Periods

• Tax Documents: Retained for 8 years as per Income Tax Act requirements
• Financial Planning Records: Retained for 7 years or as per service agreement
• Legal Documents: Retained for 10 years or as per legal requirements
• Communication Records: Retained for 3 years for service quality purposes
• Website Analytics: Retained for 2 years for business analysis
• Marketing Data: Retained until consent is withdrawn

6.2 Disposal Procedures

• Secure deletion of electronic data using certified methods
• Shredding and destruction of physical documents
• Certificate of destruction provided for sensitive data disposal
• Regular purging of outdated information

7. Your Privacy Rights

7.1 Access and Correction

• Right to Access: Request copies of your personal information we hold
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Portability: Request transfer of your data in a structured format

7.2 Control and Deletion

• Right to Deletion: Request deletion of your personal information (subject to legal requirements)
• Right to Restriction: Request limitation of processing of your information
• Right to Object: Object to processing for marketing or other non-essential purposes

7.3 Consent Management

• Withdrawal of Consent: Withdraw consent for marketing communications at any time
• Cookie Preferences: Manage cookie settings and tracking preferences
• Communication Preferences: Choose types of communications you wish to receive

7.4 Exercising Your Rights

To exercise any of these rights, please contact us at:

• Email: privacy@niveshsakha.com
• Phone: +91 9892382050
• Address: Data Protection Officer, JeevanNirvana Solutions Pvt. Ltd.

8. Cookies and Tracking Technologies

8.1 Types of Cookies

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Help us understand website usage and improve our services
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used for targeted advertising and campaign effectiveness

8.2 Third-Party Tracking

• Google Analytics for website performance analysis
• Social media pixels for advertising campaigns
• Payment gateway tracking for transaction security
• Customer support chat tools

8.3 Managing Cookies

• Browser settings to control cookie acceptance
• Opt-out links for third-party tracking services
• Cookie preference center on our website
• Regular review and deletion of stored cookies

9. International Data Transfers

While we primarily operate within India, some of our service providers may process data outside India. When this occurs:

• We ensure adequate protection through appropriate safeguards
• We use standard contractual clauses for data protection
• We verify that recipient countries have adequate privacy laws
• We obtain your consent for international transfers when required

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

In cases where we provide financial planning services that involve minor children (such as education planning), we only collect information with explicit parental consent and for legitimate service purposes.

11. Privacy by Design

We implement privacy by design principles in all our operations:

• Data Minimization: Collect only information necessary for service delivery
• Purpose Limitation: Use information only for stated purposes
• Transparency: Clear communication about data practices
• User Control: Provide meaningful choices about information use
• Security: Implement appropriate technical and organizational measures

12. Incident Response

12.1 Data Breach Procedures

• Immediate containment and assessment of any security incident
• Notification to authorities within 72 hours as required by law
• Notification to affected individuals without undue delay
• Full investigation and remediation of the incident
• Implementation of additional safeguards to prevent recurrence

12.2 Reporting Security Issues

If you become aware of any security vulnerability or incident, please report it immediately to:

• Security Email: security@niveshsakha.com
• Emergency Phone: +91 9892382050

13. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes:

• We will post the updated policy on our website
• We will notify you via email or other communication methods
• We will update the "Last Updated" date at the top of this policy
• We will obtain your consent for material changes that affect your rights

We encourage you to review this Privacy Policy periodically to stay informed about our privacy practices.

14. Complaints and Disputes

14.1 Internal Complaint Process

• Contact our Data Protection Officer for privacy-related concerns
• We will acknowledge your complaint within 2 business days
• Investigation and response within 15 business days
• Escalation procedures for unresolved complaints

14.2 External Recourse

• Right to file complaints with appropriate data protection authorities
• Access to consumer forums and courts for legal remedies
• Alternative dispute resolution mechanisms

15. Contact Information