Privacy Policy

01Introduction

Welcome to FAG Finance ("FAG Finance", "we", "our" or "us"). FAG Finance is operated by Fisct Assets Growers Private Limited (CIN: U66301HR2023PTC116141), having its registered office at 1st and 2nd Floor, Plaza 40, Near Badkhal Mor, Faridabad - 121001, Haryana, India.

We respect your privacy and are committed to protecting the personal information you share with us through our website, online forms, Facebook and Instagram lead forms, communications and financial services.

This Privacy Policy explains how we collect, use, store, disclose and protect your personal information when you visit our website or interact with our services. We process personal data in accordance with the Digital Personal Data Protection Act, 2023 and other applicable Indian laws.

By using our website or submitting your details to us, you acknowledge that you have read this Privacy Policy. Where consent is required by applicable law, we will seek your consent before processing your personal information.

02Information We Collect

Depending on the services you request, we may collect the following information:

A. Personal Information

• Full name
• Mobile number and email address
• Residential or correspondence address
• Date of birth and other identity details, where required

B. Financial Information

Where necessary for the requested service, we may collect financial information such as investment preferences, financial goals, income-related details, portfolio information, bank details, demat account details, securities information and documents relating to physical shares or dividend claims.

C. Technical Information

When you visit our website, certain technical information may be collected, including IP address, browser type, device information, pages visited, access times and website usage data.

D. Communication Information

We may retain information you provide when contacting us through website forms, Facebook or Instagram lead forms, email, telephone, WhatsApp or other communication channels.

Please provide only the information necessary for the service you are requesting.

E. Sensitive Documents

To trace, recover or claim physical shares or dividends, you may be asked to share documents such as share certificates, folio details, PAN, identity and address proofs, bank details, and death or succession documents. We use these documents only to provide the service you have requested and to meet legal and regulatory requirements. Where an identity document is needed, we encourage you to share a masked copy (for example, with only the last four digits of an Aadhaar number visible) wherever that is sufficient.

03How We Use Your Information

We may use your information to:

• Respond to enquiries and consultation requests.
• Provide investment-related information, financial planning and wealth management services.
• Assist with mutual funds, SIPs, unlisted shares, portfolio-related services, insurance planning, and physical share or dividend recovery services, as applicable.
• Process service requests and maintain client records.
• Verify identity and complete KYC or other regulatory requirements where applicable.
• Communicate important service updates, documents and information.
• Improve our website, customer experience and service quality.
• Measure and improve the performance of our advertising.
• Prevent fraud, protect our systems and comply with applicable laws.
• Send promotional communications where permitted by law and, where required, with your consent.

04Consent and Lawful Processing

We process personal information only for specified and lawful purposes, based on applicable legal grounds and consent where required.

You may withdraw your consent where processing is based on consent. Withdrawal will not affect the lawfulness of processing carried out before withdrawal, and we may retain or process certain information where required or permitted by law.

05Contacting You

By submitting your details through our website or through a Facebook or Instagram lead form, you agree that FAG Finance and its authorised representatives may contact you by phone call, SMS, WhatsApp and email regarding your enquiry and our related services, even if your number is registered on the Do Not Disturb (DND) or National Do Not Call (NDNC) registry. You may withdraw this permission at any time by telling us at the contact details in Section 15.

06Sharing of Information

We do not sell your personal information to third parties.

We may share relevant information, where necessary and lawful, with:

• Service providers supporting our website, IT systems, communications, lead management and business operations.
• Financial institutions, brokers, depositories, registrars and transfer agents, mutual fund-related entities, insurers or other relevant service providers when needed to fulfil your requested service.
• Regulators, government authorities, law enforcement agencies or other parties where disclosure is legally required.
• Professional advisers and auditors, subject to appropriate confidentiality obligations.

We aim to share only the information necessary for the relevant purpose and expect service providers to handle it responsibly.

07Cookies, Advertising and Website Analytics

Our website may use cookies and similar technologies to maintain website functionality, understand visitor behaviour, improve performance and analyse traffic.

We may also use advertising and analytics tools, such as the Meta Pixel and Google Analytics, to measure and improve our advertising and to show relevant ads to people who have visited our website. Information you submit through Facebook or Instagram lead forms is received by us and is also subject to Meta's own privacy policy.

You may be able to manage cookies through your browser settings. Disabling certain cookies may affect some website features. Where required by applicable law, we will obtain consent before using non-essential cookies or similar technologies.

08Data Security

We use reasonable technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

However, no website, electronic transmission or storage system can be guaranteed to be completely secure. You should avoid sharing sensitive financial or identity documents through unsecured channels.

09Data Storage and Transfers

Your information may be stored on cloud-based services and tools used by us or our service providers for lead management, communication and record keeping. These servers may be located outside India. We take reasonable steps to ensure that such providers protect your information appropriately.

10Data Retention

We retain personal information only for as long as reasonably necessary to fulfil the purposes described in this Policy, provide requested services, resolve disputes, maintain business records and meet applicable legal or regulatory obligations.

When information is no longer required, we will take appropriate steps to delete it or anonymise it, subject to applicable law.

11Your Privacy Rights

Subject to applicable law, you have the right to:

• Request information about the personal data we process about you.
• Request correction or updating of inaccurate information.
• Request deletion of personal information where legally permissible.
• Withdraw consent where processing is based on consent.
• Nominate another person to exercise your rights in the event of your death or incapacity.
• Raise concerns or submit a grievance regarding the handling of your personal information.

To exercise these rights, please contact us using the details in Section 15. We may need to verify your identity before processing a request.

12Third-Party Websites and Services

Our website may contain links to third-party websites, platforms or services. These third parties may have their own privacy policies and practices.

FAG Finance is not responsible for the privacy practices of third-party websites that we do not control. We encourage you to review their privacy policies before sharing personal information with them.

13Marketing Communications

We may contact you regarding our services, updates, offers or relevant financial information where permitted by law.

You may opt out of promotional communications by following the unsubscribe instructions provided or contacting us directly. We may still send essential service-related or legally required communications.

14Children's Privacy

Our website and financial services are not intended to encourage children to submit personal information independently. Where applicable law requires verifiable parental or guardian consent for processing a child's personal information, we will follow the relevant requirements.

15Contact Us and Grievance Officer

If you have any questions, requests or complaints relating to this Privacy Policy or the handling of your personal information, please contact us:

Company: FAG Finance, operated by Fisct Assets Growers Private Limited (CIN: U66301HR2023PTC116141)
Website: https://fagfinance.com
Email: info@fagfinance.com
Phone: +91 844 711 1155
Address: 1st and 2nd Floor, Plaza 40, Near Badkhal Mor, Faridabad - 121001, Haryana, India

Grievance Officer: Grievance Officer, FAG Finance
Email: info@fagfinance.com
Office hours: Monday to Friday, 9:00 AM to 6:00 PM; Saturday, 10:00 AM to 4:00 PM

We will acknowledge privacy-related requests and complaints promptly and aim to respond within 30 days, in accordance with applicable law.

16Governing Law

This Privacy Policy is governed by the laws of India. Any dispute arising out of it is subject to the exclusive jurisdiction of the courts at Faridabad, Haryana.

17Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices or applicable laws.

Any updated version will be published on this page with a revised effective date. We encourage you to review this page periodically.