Privacy policy
This privacy policy (“Policy”) forms a binding contract between you and Wealthjoy Private Limited including its subsidiaries, group companies and affiliates (“Investo”).
The creator of this Privacy Policy ensures a steady commitment to Your privacy with regard to the protection of your invaluable information that you may share across this Website. This privacy policy contains information about the Website.
To provide You with Our uninterrupted use of the Website, We may collect and, in some circumstances, disclose information about you with your permission. To ensure better protection of Your privacy, We provide this notice explaining Our information collection and disclosure policies, and the choices You make about the way Your information is collected and used.
Any capitalized words used henceforth shall have the meaning accorded to them under this agreement. Further, all heading used Herein are only for the purpose of arranging the various provisions of the agreement in any manner. Neither the user nor the creators of this privacy policy may use the heading to interpret the provisions contained within it in any manner.
Information We Collect
We are committed to respecting Your online privacy. We further recognize Your need for appropriate protection and management of any Personal Information You share with us. We may collect the following information:
a. Name, Email, Phone Number, & Address and User Cookies;
b. Information collected through permission derived by the Website for Location access, and storage permissions etc.
c. Tracking Information such as, but not limited to the IP address of your device and Device ID when connected to the Internet. This information may include the URL that you just came from (whether this URL is on the Website or not), which URL you next go to (whether this URL is on the Website or not), your computer or device browser information, and other information associated with your interaction with the Website;
d. Details of Platform usage for analytics.To make the Platform and its Services more useful to you, our servers (which may be hosted by a third-party service provider) collect information from you, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to your computer when you use the Internet, which may vary from session to session), and domain name.
We may use third party service providers to help us analyze certain online activities and we may permit these service providers to use cookies and other technologies to perform these services for us. Apart from the above information that we collect from users, we do not collect any information related to the Financial Data or PII of the users. Therefore, the Company takes no responsibility for profit or losses occurring directly or indirectly. Further, the Company shall not be responsible for the financial data or PII related information entered by the user himself/herself, on the platform. You acknowledge that only the user is responsible for the availability and safety of their financial data and PII related data, during the usage of the platform.
This privacy policy also applies to data we collect from users but not limited to, browsing behaviour, pages viewed etc. We also collect and store personal information provided by You from time to time on the Website. We only collect and use such information from you that we consider necessary for achieving a seamless, efficient and safe experience, customized to your needs including:
a. To enable the provision of services opted for by you;
b. To enable the viewing of content in your interest;
c. To communicate the necessary account and service-related information from time to time;
d. To allow you to receive quality customer care services and data Collection;
e. To comply with applicable laws, rules and regulations;
Where any service requested by You involves a third party, such information as is reasonably necessary by the Company to carry out Your service request may be shared with such third party. We also do use your contact information to send you offer based on your interests and prior activity and also to view the content preferred by you. The Company may also use contact information internally to direct its efforts for service improvement but shall immediately delete all such information upon withdrawal of your consent for the same through the ‘unsubscribe’ button or through an email to be sent to “support@investo.in”.
To the extent possible, we provide You with the option of not divulging any specific information that you wish for us not to collect, store or use. You may also choose not to use a particular service or feature on the Website and opt-out of any non-essential communications from the Website.Further, transacting over the internet has inherent risks which can only be avoided by following security practices yourself, such as not revealing account/login related information to any other person and informing our customer care team about any suspicious activity or where your account has/may has been compromised.
Cookie Policy
This Cookie Policy describes the different types of Cookies that may be applied by M/s. Wealthjoy Technologies Pvt Ltd on its platform. We may change this Cookie Policy at any time in order to reflect, for example, changes to the Cookies we use or for other operational, legal or regulatory reasons.
If you have questions regarding this Cookie Policy, please contact us at support@investo.in.
The word “Platform” shall mean and include the website – www.investo.in
What is a Cookie?
A Cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. By continuing to browse the site, you are agreeing to our use of Cookies. Cookies contain information that is transferred to your computer’s hard drive. You can set your browser to refuse all or some browser Cookies, or to alert you when Platforms set or access Cookies. If you disable or refuse Cookies, please note that some parts of this Platform may become inaccessible or not function properly.
What Cookies do we use?
1. Strictly necessary Cookies: These are Cookies that are required for the operation of our Platform. They include, for example, Cookies that enable you to log into secure areas of our Platform, use a shopping cart or make use of e-billing services.
2. Analytical/performance Cookies: They allow us to recognize and count the number of visitors and to see how visitors move around our Platform when they are using it. This helps us to improve the way our Platform works, for example, by ensuring that users are finding what they are looking for easily.
3. Functionality Cookies: These are used to recognize you when you return to our Platform. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
4. Targeting Cookies: These Cookies record your visit to our Platform, the pages you have visited and the links you have followed. We will use this information to make our Platform and the advertising displayed on it more relevant to your interests. We may also share this information with third-parties for this purpose.
Please note that third-parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use Cookies, over which we have no control. These Cookies are likely to be analytical/performance Cookies or targeting Cookies. You can block Cookies by activating the setting on your browser that allows you to refuse the setting of all or some Cookies. However, if you use your browser settings to block all Cookies (including essential Cookies) you may not be able to access all or parts of our Platform.
Google Analytics
We use Google Analytics to help us to understand how you make use of our content and work out how we can make things better. These Cookies may follow all visitors of the Platform and collect anonymous data on where they have come from, which pages they visit, and how long they spend on the site. This data is then stored by Google to create reports. These Cookies do not store personal data or business data. The information generated by the Cookie about the use of the Platform, including IP address, may be transmitted to, and stored by Google on servers in the United States. Google may use this information to evaluate the visitor’s use of the Platform, compiling reports on Platform activity for us and providing other services relating to Platform activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate any IP address’ with any other data held by Google. By using this Platform, all visitor’s consent to the processing of data by Google in the manner and for the purposes set out above. The Google Platform contains further information about Analytics and a copy of Google's privacy policy pages.
How do I manage Cookies?
You can choose whether to accept our Cookies (except Strictly Necessary Cookies) by clicking on the appropriate opt-out links in our Cookie Preference Center, which can be found in our Site’s footer and Cookie banner. You also have the right to refuse or accept Cookies at any time by activating settings on your browser. Note that blocking some types of Cookies may impact your experience on our Site and the services we are able to offer you.
Our Use Of Your Information
The information provided by you shall be used to provide and improve the service for you and all users.
a. To provide you with services on your request.
b. For maintaining an internal record.
c. For enhancing the Services provided.
d. For maintaining record under the legal and statutory provisions.
For more details about the nature of such communications, please refer to our Terms of Service. Further, your data and Sensitive Personal data may be collected and stored by Us for internal record.
We use Your tracking information such as Location History, IP addresses, and or Device ID to help identify you and to gather broad demographic information and make further services available to you.
We will not sell, license or trade Your personal information. We will not share your personal information with others unless they are acting under our instructions or we are required to do so by law.
Information collected via Our server logs includes users' IP addresses and the pages visited; this will be used to manage the web system and troubleshoot problems. We also use third-party analytics, tracking, optimization and targeting tools to understand how users engage with our Platform so that we can improve it and cater personalized content/ads according to their preferences.
How Information Is Collected
Before or at the time of collecting personal information, we will identify the purposes for which information is being collected. If the same is not identified to you, you have the right to request the Company to elucidate the purpose of collection of said personal information, pending the fulfillment of which you shall not be mandated to disclose any information whatsoever.
We will collect and use your personal information solely to fulfill those purposes specified by us, within the scope of the consent of the individual concerned or as required by law. We will only retain personal information as long as necessary for the fulfillment of those purposes. We will collect personal information by lawful and fair means and with the knowledge and consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We do not intend to collect any information pertaining to a minor child below the age of 18 years. However, if you believe that we are in possession of such information, you can email us to remove the same at support@investo.in. We will remove such information immediately from our servers.
External Links On The Platform
The Website may include advertisements, hyperlinks to other Websites. We have no control over any other Platforms or resources or contents available on these other Platforms, which are provided by companies or persons other than Us. You acknowledge and agree that we are not responsible for the availability of any such external sites or resources, and do not endorse any advertising, services/services or other materials on or available from such Website or resources. You acknowledge and agree that We are not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, services or other materials on, or available from, such Websites. These external third-party Websites and resource providers may have their privacy policies governing the collection, storage, retention and disclosure of Your Personal Information that You may be subject to. We recommend that you enter the Website and review its privacy policy.
Cookies
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. By continuing to browse the site, you are agreeing to our use of cookies. Cookies contain information that is transferred to your computer’s hard drive. You can set your browser to refuse all or some browser cookies, or to alert you when Websites set or access cookies. If you disable or refuse cookies, please note that some parts of this Website may become inaccessible or not function properly.
A list of the type of cookies we use is as follows;
1. Strictly necessary cookies. These are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website, use a shopping cart or make use of e-billing services.
2. Analytical/performance cookies. They allow us to recognize and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our Website works, for example, by ensuring that users are finding what they are looking for easily.
3. Functionality cookies. These are used to recognize you when you return to our Website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
4. Targeting cookies. These cookies record your visit to our Website, the pages you have visited and the links you have followed. We will use this information to make our Website and the advertising displayed on it more relevant to your interests. We may also share this information with third-parties for this purpose.
Please note that third-parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies. You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our Website.
Google Analytics
We use Google Analytics to help us to understand how you make use of our content and work out how we can make things better. These cookies follow your progress through us, collecting anonymous data on where you have come from, which pages you visit, and how long you spend on the site. This data is then stored by Google to create reports. These cookies do not store your personal data.
The information generated by the cookie about your use of the Website, including your IP address, may be transmitted to and stored by Google on servers in the United States. Google may use this information for the purpose of evaluating your use of the Website, compiling reports on Website activity for us and providing other services relating to Website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. By using this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
The Google Website contains further information about Analytics and a copy of Google's privacy policy pages.
Google Adsense
Google AdSense is a tool that allows Website publishers to deliver advertisements to site visitors in exchange for revenue calculated on a per-click or per-impression basis. To do this, Google uses cookies and tracking technology to deliver ads personalized to a Website user/visitor. In this regard the following terms are specified to the Users:
a. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to our Website or other Websites.
b. Google's use of advertising cookies enables us and our partners to serve advertisements to you based on their visit to our Platform and/or other Websites on the Internet.
c. You may opt-out of personalized advertising by visiting Ads Settings.
d. All advertisements of third parties on our Website are for informative purposes only and neither the Website nor the Firm guarantees or bears liability for the authenticity of the advertisements.
e. At no point will the Firm permit its competitors to advertise on the Website.
f. You may visit the links in the advertisements at your own risk or choose to not accept the cookies permitting third parties to display their advertisements.Your Rights
Unless subject to an exemption, you have the following rights concerning your data:
a. The right to request a copy of your data which we hold about you;
b. The right to request for any correction to any personal data if it is found to be inaccurate or out of date;
c. The right to withdraw Your consent to the processing at any time;
d. The right to object to the processing of personal data;
e. The right to complain about a supervisory authority.
f. The right to obtain information as to whether personal data are transferred to a third country or an international organization.
Where you hold an account with any of our services, you are entitled to a copy of all personal data which we hold concerning you. You are also entitled to request that we restrict how we use your data in your account when you log in.
Compliances
a. Indian Compliances
i. This legal agreement is an electronic record in terms of the Indian Information Technology Act, 2000 and rules there under as applicable and the amended provisions about electronic records in various statutes as amended by the Indian Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
ii. This legal document is published in accordance with the provisions of Rule 3 (1) of the Indian Information Technology (Intermediaries guidelines) Rules, 2011 and Rule 4 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 of Information Technology Act, 2000 amended through Information Technology Amendment Act, 2008 that require publishing the Terms of Use and practices for access and usage of any functional Website.b.
GDPR Privacy Rights
The General Data Protection Regulation or GDPR gives certain rights to individuals in relation to their personal data. Accordingly, we are happy to offer transparency and access controls to help Users take advantage of those rights. As available, except as limited under applicable law, the rights afforded to individuals are:
i. Right of access- the right to be informed of, and request access to, the data we process about you,
ii. Right to rectification – the right to request that we amend or update your data where it is inaccurate or incomplete,
iii. Right to erasure- the right to request that we delete your data,
iv. Right to restrict – the right to request that we temporarily or permanently stop processing all or some of your personal data,
v. Right to object – the right to object to us processing your personal data on grounds relating to your particular situation. Along with the right to object to your personal data being processed for direct marketing purposes,
vi. Right to data portability – the right to request a copy of your personal data in electronic format and the right to transmit that personal data for use in another part’s service,
vii. Right not to be subject to automated decision-making, the right to not be subject to a decision based solely on automated decision making, including profiling, where the decision would have a legal effect on you or produce a similarly significant effect.
The list of third Parties to whom personal information of the Users may be shared is listed in Annexure – A and will be updated from time to time by the Company.
Confidentiality
You further acknowledge that the Website may contain information that is designated confidential by us and that you shall not disclose such information without our prior written consent. Your information is regarded as confidential and therefore will not be divulged to any third party, unless if legally required to do so to the appropriate authorities. We will not sell, share, or rent your personal information to any third party or use your email address for unsolicited mail. Any emails sent by us will only be in connection with the provision of agreed services, and you retain sole discretion to seek for discontinuation of such communications at any point in time.
Other Information Collectors
Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties, whether they are on our Website or other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. To the extent that we use third party advertisers, they adhere to their privacy policies. Since we do not control the privacy policies of such third parties, you are subject to ask questions before you disclose your personal information to others.
Our Disclosure Of Your Information
We may host surveys for survey creators for our Website who are the owners and users of your survey responses. We do not own or sell your responses. Anything you expressly disclose in your responses will be disclosed to survey creators. Please contact the survey creator directly to better understand how they might share your survey responses.
Information collected will not be considered as sensitive if it is freely available and accessible in the public domain or is furnished under the Right to Information Act, 2005, any rules made thereunder or any other law for the time being in force.
Due to the existing regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting and foregoing), we may be forced to disclose information to the government, law enforcement agencies or third parties. Therefore, although we use industry-standard practices to protect your privacy, we do not promise, and you should not expect, that your personally identifiable information or private communications would always remain private. We do however assure you that any disclosure of your personally identifiable information shall be personally intimated to you through an email sent to your registered email address.We may use third party sites and tools for the purpose of explaining and creating content. This should be treated as fair use of right and incase of any objection the concerned brand of company should speak to the Company before taking any legal objection/action or copyright strike or claim.As a matter of policy, we do not sell or rent any personally identifiable information about you to any third party.
However, the following describes some of the ways that your personally identifiable information may be disclosed:
a. External Service Providers: There may be several services offered by external service providers that help you use our Website. If you choose to use these optional services, and in the course of doing so, disclose information to the external service providers, and/or permit them to collect information about you, then their use of your information is governed by their privacy policy.
b. Law and Order: We cooperate with law enforcement inquiries, as well as other third parties to enforce laws, such as intellectual property rights, fraud and other rights. We can (and you authorize us to) disclose any information about you to law enforcement and other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us or you to legal liability.
Accessing, Reviewing And Changing Your Profile
You can review and change the information you submitted. An option for facilitating such change shall be present on the Website and such change shall be facilitated by the User. If you change any information, we may or may not keep track of your old information. We will not retain in our files information you have requested to remove for certain circumstances, such as to resolve disputes, troubleshoot problems and enforce our terms and conditions. Such prior information shall be completely removed from our databases, including stored ‘back up’ systems. If you believe that any information we are holding on to you is incorrect or incomplete, or to remove your profile so that others cannot view it, the User needs to rectify, and promptly correct any such incorrect information by emailing us at support@investo.in.
Security
We treat data as an asset that must be protected against loss and unauthorized access. We employ many different security techniques to protect such data from unauthorized access by members inside and outside the Company. We follow generally accepted industry standards to protect the Personal Information submitted to us and information that we have accessed.
However, as effective as encryption technology is, no security system is impenetrable. Our Company cannot guarantee the security of our database, nor can we guarantee that information you provide won’t be intercepted while being transmitted to the Company over the Internet.
Severability
Each paragraph of this Privacy Policy shall be and remain separate from and independent of and severable from all and any other paragraphs herein except where otherwise expressly indicated or indicated by the context of the agreement. The decision or declaration that one or more of the paragraphs are null and void shall not affect the remaining paragraphs of this privacy policy.
Amendment
Our Privacy Policy may change from time to time. The most current version of the policy will govern our use of your information and will always be on the Website. Any amendments to this Policy shall be deemed as accepted by the User on their continued use of the Website.
Consent Withdrawal, Data Download & Data Removal Requests
To withdraw your consent, or to request the download or delete your data with us for any or all our services at any time, please email to “support@investo.in”.
Contact Us
If you have any questions or concerns regarding this privacy policy, you should contact us by sending an email to “support@investo.in” or by writing to us at:
M/s. Wealthjoy Technologies Pvt Ltd
Flat No B-803, Bren Champions Squares, Mullur Village, Sarjapur Road, Bangalore – 560035.
