Privacy policy

Who we are

K C Investment (kcinvestment.in) is an AMFI-registered Mutual Fund Distributor, ARN-117554. This policy covers our website kcinvestment.in and the K C Investment Android app (together, the "Service"). Office: Shop 3, 1st Floor, Purnima Sadan, Uliyan, Kadma, Jamshedpur, Jharkhand.

Information we collect

• Identity and contact details: name, PAN, date of birth, email address, mobile number, postal address and, for minor investors, guardian name and PAN.
• Investment records: folio numbers, schemes, units, transactions, SIPs and holdings received from the Registrar & Transfer Agents (CAMS and KFin Technologies) for investments made through our ARN, and current NAVs published by AMFI.
• Account details: your login ID, an encrypted (hashed) password, and one-time codes sent to you for sign-in or password reset.
• Enquiries you send us: name, phone, email, city, PAN (optional), the fund and amount you mention, and your message.
• Technical data: a secure session cookie that keeps you signed in, and basic request logs (such as IP address and time) used for security and rate-limiting. We do not use advertising or tracking cookies.

How we use it

• To show you your portfolio, SIPs, transactions, capital gains and statements.
• To verify your identity, send sign-in and password-reset codes, and keep your account secure.
• To service your investments: respond to enquiries, process requests, send KYC and minor-to-major reminders, and contact you about your SIPs.
• To meet legal and regulatory obligations under SEBI, AMFI and other applicable law.

Who we share it with

• Registrar & Transfer Agents (CAMS, KFin Technologies), Asset Management Companies and exchange platforms, only to service your investments.
• Service providers who run the Service for us: secure cloud hosting and database, email delivery and SMS delivery for one-time codes and reminders. They may use your data only to provide these services.
• Regulators, courts or authorities when required by law.
• We do not sell, rent or trade your personal information, and we do not share it for advertising.

How we protect it

• All traffic is encrypted with HTTPS. Passwords are stored only as secure hashes. Sessions use secure, http-only cookies or tokens, and accounts lock after repeated wrong passwords.
• Access is role-based: a client sees only their own (and their family's, where linked) data; our staff see only clients assigned to them.

How long we keep it

We keep your records while you are our client and afterwards for as long as required under SEBI, AMFI and other applicable record-keeping laws. Enquiries that do not lead to an account are deleted on request.

Your choices and rights

• You can view your data in the Service at any time, and ask us to correct details that are wrong.
• You can withdraw consent for SMS or email reminders by contacting us; codes needed to sign in will still be sent.
• You can ask us to delete your account (see below). Records we must keep by law are retained only for that purpose.

Deleting your account

• To delete your K C Investment account and app login, call or WhatsApp 7903249670 or email arzookci@gmail.com from your registered mobile or email, with your name and PAN. We confirm your identity and close the login within 7 working days.
• Deleting your login does not redeem or close your mutual fund folios; those stay with the fund house. Investment records we are legally required to keep are retained and then deleted.

Children

Minor investors' accounts are opened and operated by their guardian. We do not knowingly collect data directly from children.

Changes to this policy

We may update this policy. The latest version is always on this page with its date.

Contact / grievance

K C Investment, Shop 3, 1st Floor, Purnima Sadan, Uliyan, Kadma, Jamshedpur, Jharkhand. Phone / WhatsApp: 7903249670. Email: arzookci@gmail.com.