1. Interpretation

• References to the masculine include the feminine, and references to the singular include the plural and vice versa.
• All references to 'investor', 'client', or 'distributor' include both individuals and legal entities, unless the context suggests otherwise.
• Any reference to a statute or rule includes future amendments and replacements thereof.

2. Collection of Personal Information

We may collect, receive, or access a range of personal and sensitive information from you, either directly or through our service provider. This may include:

• Name, address, age, gender, contact details (mobile number, email ID, etc.)
• Bank account details and payment instrument details
• PAN, Aadhaar, and KYC documents
• Demat account and financial information
• Income profile and investment preferences
• Login credentials and authentication data (e.g., encrypted passwords or biometric information, if applicable)
• Transactional and communication history
• Any other information required under applicable regulations

3. Purpose of Collection and Use

We may process your personal information for the following purposes:

• To process your investment applications, redemptions, switches, or other mutual fund transactions
• To manage your investment portfolio and service requests
• To comply with legal and regulatory requirements including KYC and AML obligations under the Prevention of Money Laundering Act, SEBI regulations, and other applicable laws
• To perform risk, fraud, and security checks
• To maintain records for business operations and compliance audits
• To communicate with you about your investments or our services
• To generate anonymized reports and statistics for internal or regulatory use

We rely on RTA to collect, store, and process some of this data through the investor-facing and distributor-facing portals on our behalf. CAMS is bound by confidentiality and data protection agreements and follows strict security practices.

4. Legal Basis for Processing

We process personal information based on:

• Your explicit consent
• Performance of a contract or agreement with you
• Compliance with legal obligations
• Legitimate business interests or those of a third party, provided such interests do not override your fundamental rights
• In connection with legal claims, enforcement of legal rights, or for regulatory or judicial requirements

5. Disclosure and Sharing of Information

We may share your personal information with:

• Registrar & Transfer Agent and technology partner for investor and distributor portals
• Banks, custodians, payment gateways, and depositories
• Our attorneys, auditors, consultants, and other service providers
• Regulatory authorities, government agencies, courts, or tribunals, as required under law
• Distributors, intermediaries, or partners involved in your transaction journey
• Analytics or IT service providers engaged for business operations

6. Data Retention

Your personal information will be retained as long as:

• It is necessary to provide services to you
• Required by law or regulation
• Necessary for the establishment, exercise, or defence of legal claims

7. Security Practices

We implement reasonable and appropriate security measures - technical, operational, and physical—to safeguard your personal information from unauthorized access, disclosure, alteration, or destruction.

While RTA manages the investor and distributor portals on our behalf, both Choice AMC and RTA maintain security standards in line with the Information Technology Act, 2000 and associated Rules, including encryption, access controls, and periodic audits.

8. Cookies and Internet Tracking

Our website and those of our service providers may use cookies and other tracking technologies to:

• Improve user experience
• Analyze site usage and performance
• Remember your preferences

You can control cookie usage through your browser settings. By continuing to use our website or the RTA-hosted portals, you consent to the use of cookies in accordance with this policy.

9. Your Rights and Responsibilities

Your Rights:

• Access or request a copy of your personal information
• Request correction or deletion of inaccurate or outdated data
• Withdraw your consent (where applicable)

Your Responsibilities:

• Providing accurate and updated information
• Maintaining the confidentiality of your passwords or credentials

10. Limitation of Liability

Despite our best efforts, if unauthorized access or data breach occurs due to circumstances beyond our control, Choice AMC, its affiliates, or RTA shall not be held liable. Users are advised to adopt strong passwords and avoid sharing sensitive information insecurely.

11. Amendments

This Privacy Policy may be updated from time to time. The latest version will always be available on our official website. We encourage you to review it periodically.

Contact Us

For questions regarding this Privacy Policy or our data practices, please contact: