At Mukta Universal, we are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal data when you access or use our services through the application. By using the services provided by Mukta Universal, you agree to the terms and conditions of this policy.

Definitions

For the purposes of this Privacy Policy:

• Account: A unique user account created for accessing the services of Mukta Universal, including mutual fund investments, market updates, and related services.
• Service: The application and services provided by Mukta Universal, which includes investment in mutual funds and Indian market updates.
• Device: Any device, such as a mobile phone, tablet, or computer, used to access the Service.
• Personal Data: Any information relating to an identified or identifiable individual, such as your name, email address, phone number, etc.
• Usage Data: Information automatically collected through your use of the Service, such as IP address, device type, and browsing activities.
• Service Providers: Third-party service providers who assist us in delivering our services.
• You: The individual or entity using the Service.

Information We Collect

We collect different types of information based on your interaction with our Service:

Personal Data

When you register an account or interact with our Service, we may collect personal data including:

• Name and Contact Details: Full name, email address, phone number.
• Account Information: Your account login credentials and preferences for mutual fund investments and related services.

Usage Data

We may collect data about how you interact with our application and the features you use. This can include:

• Device Information: IP address, device type, operating system, browser type, etc.
• Activity Data: Pages viewed, time spent, and interactions with market updates, mutual fund transactions, or news updates.

Image and Video Data

With your explicit consent, we may access your camera or photo gallery for identity verification (e.g., for KYC processes). Any data provided for verification will be processed securely.

Location Data

We may collect location data to verify your identity or grant access to specific services relevant to your geographic location.

How We Use Your Data

We use the information we collect for the following purposes:

• Providing Services: To enable you to invest in mutual funds and access market updates and insights related to the Indian market.
• Account Management: To create and manage your account and enhance your experience with personalized features.
• Communication: To send you updates about your investments, the status of your account, or important news regarding market changes or new investment opportunities.
• Market Updates: To provide you with regular notifications or updates related to mutual funds and the Indian financial market.
• Security and Legal Compliance: To comply with regulatory requirements, ensure security, and prevent fraud or unauthorized activity.

We Do Not Share or Sell Your Data

We want to emphasize that we do not share, sell, or rent your personal data to third parties under any circumstances, except in the following cases:

• Legal Requirements: We may be required to disclose your information to government authorities, regulators, or in response to legal requests or processes.
• Service Providers: We may share your information with trusted third-party service providers who assist us in delivering our mutual fund services (e.g., KYC verification, payment processing). These providers are required to maintain strict confidentiality.
• With Your Consent: We may share your personal data if you explicitly request it for specific services.

Children’s Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect personal data from children under 13. If we discover that a child has provided us with personal data without the consent of a guardian, we will take immediate steps to delete that data.

However, in the case of children under 18 (where parental consent is required), we may collect personal information for investment-related purposes only with explicit consent from the child’s guardian. This data will solely be used for mutual fund investment purposes.

Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy. This includes:

• Complying with legal obligations (such as regulatory requirements).
• Maintaining a record of your transactions and investments.
• Resolving disputes and enforcing our agreements.

We may retain Usage Data for internal analysis, typically for a shorter period unless longer retention is required for legal, regulatory, or security reasons.

Security of Your Personal Data

The security of your personal data is very important to us. We implement strict physical, electronic, and managerial procedures to safeguard and secure the information we collect. While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet or method of electronic storage is 100% secure. As such, we cannot guarantee absolute security.

Third-Party Links

Our Service may contain links to external websites or services that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Your Rights and Control

You have the right to:

• Access: Request a copy of the personal data we hold about you.
• Update or Correct: Modify or correct any inaccuracies in your account information.
• Delete: Request the deletion of your personal data, subject to legal and regulatory requirements.
• Withdraw Consent: You can withdraw consent for the collection and processing of your data by contacting us or through the app settings.

To exercise these rights, please contact us through the support channels available in the app or via email.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted here, and the updated "Last Updated" date at the top will reflect the most recent changes. We will notify you via email or a prominent notice within the application if significant changes are made.

Contact Us

If you have any questions or concerns about this Privacy Policy or the way we handle your personal data, please contact us:

Email: office@muktauniversal.com