Effective Date: May 2025

This Privacy Policy outlines how Umunthu System Private Limited ("Company", "we", "us", or "our"), operating under the brand name Nivestaa, collects, uses, discloses, and protects the personal information of users visiting our website or using our services.

1. Company Details
Registered Entity: Umunthu System Private Limited
AMFI Registration Number: ARN-311028
AMFI Validity: 18-Oct-2024 to 17-Oct-2027

2. Applicability
This Privacy Policy applies to all visitors of the Nivestaa website and users of services offered under the brand by Umunthu System Private Limited.

3. Information We Collect

• Personal identification details (e.g., name, contact number, email ID)
• Financial and KYC documents required for mutual fund investments
• Usage data such as device information, browser data, and IP address

4. Legal Basis for Data Collection We collect and process user data under the applicable provisions of:

• The Information Technology Act, 2000 and its allied rules
• SEBI (Mutual Funds) Regulations, 1996
• AMFI guidelines applicable to distributors

5. Use of Information Your information may be used for:

• KYC compliance and regulatory reporting
• Mutual fund transaction facilitation
• Improving user experience on our platform
• Marketing and communication purposes (with consent)

6. Disclosure of Information We may share your information with:

• SEBI-registered RTAs (Registrar and Transfer Agents)
• AMCs (Asset Management Companies) for processing transactions
• Technology and compliance partners (bound by confidentiality)
• Government authorities when required under law

7. Data Retention We retain personal data only as long as necessary to fulfill the purposes for which it was collected or as required by law.

8. Data Security We adopt reasonable security measures including SSL encryption and access controls to protect your data.

9. Your Rights

• Right to access and correct your personal data
• Right to withdraw consent (where applicable)
• Right to lodge a complaint with the Data Protection Authority (once constituted in India)

10. Grievance Redressal For any concerns regarding data protection, you may contact:
Grievance Officer: Chaman Chawla
Email: chaman.chawla@nivestaa.com
Address: Umunthu System Private Limited, Unit No 710, 7th Floor, Trade Centre, Bandra -Kurla Complex ,Bandra (East), Mumbai: 400098