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Privacy Policy

At Rayi, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, share, and safeguard your data when you use our website or services.. We herewith disclose our privacy practices and encourage you to read our privacy statements to understand our policy.

Rayi is committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. We ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

Rayi reserves the right to modify sections of this Privacy Policy at any time without giving any prior notice any such change of policy will be may be effective from the date announced by us on the Website and not from the date of posting on the site. Please check this policy from time to time for any changes.

Consent

By accessing and using the Rayi website and its services, you explicitly consent to the collection, use, storage, processing, and sharing of your personal and sensitive information as described in this Privacy Policy.

In particular, by:

Submitting your information (personal, financial, KYC, FATCA, etc.) through our application forms or digital platforms,

Granting permissions to access your device data (such as location, installed apps, contacts, SMS, etc.) where required,

Interacting with our website or digital tools (such as chatbots, calculators, or goal planners),

you acknowledge and agree that Rayi may collect, store, process, and use your information in accordance with this Privacy Policy, applicable laws, and regulatory requirements.

Where required by law, we will seek your separate, informed, and specific consent before collecting or using any sensitive personal information or before using your data for marketing purposes. You may withdraw your consent at any time by writing to us at help@rayi.co.in, although such withdrawal may impact the availability or functionality of our services.

Users’ Personal Information

1. Collection of Users’ Personal Information

A. We may collect the following information

Name

Contact Details (Permanent Address, Correspondence Address, Email ID, Mobile No etc)

Date of Birth, Place of Birth and Nationality.

Permanent Account Number (PAN)

Demographic information such as gender and income

Additional KYC and FATCA details

Picture

Self-attested documents

B. Other sources

Rayi may collect public and non-public information/details (personal, financial, etc.,) about you from any of the following sources for its lawful business/operational purposes

You or your authorized agents through application form (information/details like name, address, birth date, income, etc.)

Financial information such as bank account details (e.g. bank account number, cheque details, etc.)

Risk profile, investment selection, beneficiary information etc.,

Any other documentation supporting the above information/details.

C. Device Data

We also collect information from or about the computers, mobile phones, or other devices where you install or access our services, depending on the permissions you’ve granted. We may associate the information we collect from your different devices, which helps us provide consistent services across your devices. Here are some examples of the device information we collect

Attributes such as the operating system, hardware version, device identifiers.

Connection information such as the name of your mobile ISP, browser type, language and time zone, mobile phone number and IP address.

2. What we do with the information we gather

We require this information for the following reasons:

To conduct Know-Your-Customer registration as required by AMFI and/or other regulatory bodies

To perform compliance checks and keep/maintain internal records

To use the information to improve our products and services

To periodically send emails to your registered email address about your investments, or other information which we think you may find interesting

3. Data Sharing

Rayi may share any clients’/investors’ information (personal/financial, etc.,) with the following parties, in connection with and as may be necessary for the conduct of Rayi’s business/operations

With the Registrar & Transfer Agent(s) (RTA) of various Mutual Funds/other Issuers, Banks and/or authorised external third parties/intermediaries or any other service provider who are involved in transaction processing, dispatches, printing/marketing etc. of clients/investors investment in any products, unless any investor/unitholder have specifically written to Rayi to refrain from sharing such information with such parties

Any regulatory/administrative/legislative authority and/or with the Rayi for compliance with any legal, statutory or regulatory requirements and/or to verify the identity of clients/investors for complying with anti-money laundering/KYC requirements and/or under any applicable laws for the time being in force and/or for the purpose of data storage Rayi shares such aforesaid information to the aforesaid service providers (e.g. RTA, Banks, etc.) under strict confidentiality and only on a ‘need to know basis’ and for the purposes of lawful functioning of Rayi’s business/operations.

We collect and process your data for lawful purposes such as complying with regulatory requirements (e.g., SEBI, AMFI), processing transactions, and improving user experience.

Rayi sends the account statements or financial information pertaining to the clients/investors to be sent over the internet and only through a secure mode. Rayi also ensures that the parties to whom such aforesaid information/data is shared have confidentiality provisions and high levels of security practices, controls and procedures to ensure its protection.

Notwithstanding anything contained, Rayi shall not be responsible/liable, either directly or indirectly, for the authenticity/accuracy of the personal/financial information or any other data/information submitted by you and/or for its misuse, not attributable to the acts of Rayi, at any time and in any manner whatsoever.

Third parties are contractually obligated to maintain the confidentiality and security of your information and use it only for the purposes for which it was disclosed.

Security

We treat your personal information or your use of the Service as private and confidential and do not check, edit, or reveal it to any third parties except where it is believed to be in good faith, such action is necessary to comply with the applicable legal and regulatory processes, or to protect and defend the rights of other users or to enforce the terms of service which are binding on all the users.

Except where specifically agreed or necessary for operational or regulatory reasons, we will not send you any unsolicited information. However, to help you to take full advantage of our services, messages relating to our products/services and/or changes, additions and improvements to the products/services offered may be sent to you.

The Website is not intended for use by children and minors. Parents are requested to ensure that personal information is not provided by minors on the Rayi website. However, this does not intend to prohibit information on minors and children being provided by the parents with respect to any product or service offered by us or any other third party permitted to offer any product or service on its site, which are beneficial to or are designed for the benefit of children and minors. We do not knowingly collect personal data from individuals under the age of 18 without parental consent.

We use the help of Internet Protocol (“IP”) addresses to diagnose any problems with its server and to administer the web site including by blocking certain addresses that it feels are inappropriately using its website. IP addresses are used to gather broad demographics information, such as browser types, visitor’s country, visiting frequency, operating systems, etc.

Firewalls and DMZ Although we provide appropriate firewalls and protections, our systems are not hack proof. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and Company takes no liabilities or responsibilities for it. The best security available and provided by infrastructure will be applied to secure data.

We adhere to reasonable security practices and procedures as prescribed under applicable Indian laws.

How we use cookies

Users are also made aware that certain information and data may be automatically collected through the standard operation of our internet servers or through the use of “cookies.” “Cookies” is a term generally used for small text files a web site can use to recognise repeat users, facilitate the user’s ongoing access to and use of the site, allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising etc. Cookies themselves do not personally identify you, but they do identify your computer. Generally, cookies work by assigning a unique number to the user computer that has no meaning outside the assigning site.

Users are also being made aware that we cannot control the use of cookies or the resulting information by advertisers or third parties hosting data for us. If a user does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature; however, users should note that cookies may be necessary to provide the user with certain features (e.g., customised delivery of information) available from us. If you choose to be a registered user of the website, you must accept a cookie from the website.

Link to other websites

Our website may contain links to other websites of interest, without any accuracy, completeness, or usefulness of any content, warranty, merchantability, endorsement, suitability, any assurance of quality, authenticity, and appropriateness to view such websites and responsibility, liability, obligations on part of this website.

This Privacy Policy does not apply when you access to such sites or links. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. Such third party websites may also transmit cookies to you.

Again, this Privacy Policy does not cover the use of cookies by any third parties, and we aren’t responsible for their privacy policies and practices. You should exercise caution and look at the privacy statement applicable to the website in question.

Legal Disclaimer

This Privacy Policy is governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of the courts of Mumbai.

Notes

If you believe that any of your information with us is incorrect or incomplete, please email us as soon as possible at help@rayi.co.in . We will promptly correct any information found to be incorrect.

If at any time you believe that the website or its users/members have not adhered to these principles, please notify by e-mail help@rayi.co.in and we will use all commercially reasonable efforts to promptly determine and correct the problem.

You will be free to unsubscribe from our mailing list at any time if you do not wish to receive such emails from us. From time-to-time, we may also use your information to contact you via phone or email for market research purposes.

We will not sell, distribute or lease your personal information to third parties unless we are required to share such information under the terms and conditions of the products and services you avail, or we are required to do so by law.

This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in favour of any user or viewer of the website or on behalf of any other party.

However, users and viewers are informed that by using the web site they are deemed to have consented to the collection and use of information by us as stated above.

Access Your Information

Your personal information is yours. Under Indian law, you have the right to ask us for a readable copy of all your personal information stored with us.

If you have any questions about the accuracy or safety of your information, please do contact us at the address given below:

Email: help@rayi.co.in

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