Privacy Policy

1. Introduction

Nivida Fintech LLP ("Nivida Fintech", "we", "us", "our") is an AMFI-Registered Mutual Fund Distributor (ARN-363855). This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use our website (nivida.io), mobile app, and related services (together, the "Platform").

2. Information We Collect

• Identity & KYC data: name, PAN, Aadhaar (as permitted by KYC regulations), date of birth, photograph, signature.
• Contact data: email address, mobile number, postal address.
• Financial data: bank account details, income range, investment goals, risk profile, transaction and portfolio history.
• Technical data: IP address, device/browser type, cookies, and usage data collected automatically when you visit the Platform.
• Communications: records of calls, emails, or messages exchanged with our support/advisory team.

3. How We Use Your Information

• To complete your KYC and facilitate mutual fund transactions through Asset Management Companies (AMCs) and RTAs (CAMS/KFintech).
• To provide portfolio analytics, goal-based planning tools, and personalized recommendations.
• To communicate transaction confirmations, statements, and service updates.
• To comply with SEBI, AMFI, and other applicable regulatory requirements.
• To improve our Platform, prevent fraud, and ensure account security.

4. Sharing of Information

We share your information only where necessary to deliver our services or where required by law, including with:

• Asset Management Companies (AMCs) and Registrar & Transfer Agents (RTAs) to process your mutual fund transactions.
• KYC Registration Agencies (KRAs) for identity verification.
• Regulators such as SEBI and AMFI, upon lawful request.
• Technology and cloud service providers who help us operate the Platform, under confidentiality obligations.

We do not sell your personal data to third parties for marketing purposes.

5. Data Security

We use industry-standard technical and organizational safeguards — including encryption in transit, access controls, and secure hosting — to protect your data against unauthorized access, alteration, or disclosure. However, no method of transmission over the internet is 100% secure.

6. Data Retention

We retain your personal and transaction data for as long as your account is active and thereafter as required to comply with SEBI/AMFI record-keeping obligations and applicable law.

7. Your Rights

You may request access to, correction of, or deletion of your personal data (subject to regulatory record-keeping requirements) by contacting us at info@nivida.io.

8. Cookies

Our Platform uses cookies and similar technologies to remember your preferences, keep you signed in, and understand how the Platform is used so we can improve it. You can control cookies through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified via the Platform or email. The "Last updated" date at the top of this page reflects the most recent revision.