Angel One Asset Management Company Ltd. (“Angel One AMC” or “AMC”) / Angel One Mutual Fund (“Angel One MF”) (collectively referred to as “we”, “us”, “our”) recognizes the importance of securing the Personal Data (as defined below) that we collect about our investors / clients and website users (“you”, “your”, “User”). Angel One AMC has established policies and procedures concerning the handling and dealing of your Personal Data that will help us to protect your privacy. This Privacy Policy (as amended from time to time) describes how we handle and deal in Personal Data that we may collect and retain ("Privacy Policy"). This Privacy Policy applies to all Personal Data collected and received for and on behalf of Angel One MF/Angel One AMC (including through its website or transaction portal of Angel One AMC/Angel One MF) or through any other social media page/profile, etc. for investor education awareness and all Personal Data collected and/or received by us from you directly or through third parties, as detailed below. Please note that Personal Data collected by us in the physical form and/or through any sources mentioned above or any other source, may be converted and stored in an electronic form at our sole discretion for the purposes as mentioned hereinunder. This Privacy Policy shall be read with and is subject to the Disclaimers notified on the website.

We use the Personal Data collected about you only as mentioned in this Privacy Policy. However, please note that you are no longer covered by terms of this Privacy Policy, if you access other websites using links from our website as these other websites may have their own privacy policies and we do not accept any responsibility or liability for any such policies. Please check these policies, where available, before you submit any personal data to these websites.

User Consent

By using this website, accessing the Angel One AMC/Angel One MF social media page/profile (Facebook, Twitter, YouTube, LinkedIn, etc.) and/or any transaction portal of Angel One AMC / Angel One MF and/or by providing Personal Data to us when using our products and services, while making any investments in the units of schemes of Angel One MF or sending inquiries including for the purpose of investor education awareness, you expressly have deemed to have agreed to this Privacy Policy and you have given your consent for usage/processing the personal data in terms of this Privacy Policy. We understand clearly that You and Your Personal Data is one of our most important assets. We store and process Your Personal Data including any sensitive financial information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules thereunder. If You object to Your Personal Data being transferred or used in this way, please do not provide the details of your information on the website.

To ensure security of access to the personal information and transaction details, the access to the secured zone of our website is restricted by the unique login ID and Password and PAN Login selected/provided by you. You should be very careful in handling the same and you should ensure that you do not reveal it to anybody, nor do you keep it in writing. You should keep changing your password periodically, wherever required.

By using the Angel One AMC and/or registering yourself at [insert website link] you authorize Angel One AMC (including its representatives, affiliates, and its business partners) to contact you via email, Whatsapp, phone call or sms and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on Angel One AMC, for which reasons your information may be collected in the manner as detailed under this Privacy Policy. You hereby agree that you authorize Angel One AMC to contact you for the above mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not deactivated by either you or us.

What is Personal Data ?

Angel One AMC, either directly or through its third-party service providers such as the Registrar and Transfer agents, collects, receives, possesses, stores, deals or handles Personal Data received from investors/client/customers, whether existing or prospective.

An indicative list of such Personal Data /information is given below :

• Your name, and contact information such as your residential address, business/ office address, email address, telephone number, mobile number or fax number;
• Information relating to your identity including your date and place of birth, nationality, Permanent Account Number (PAN) details and country of domicile and/or your nationality, etc;
• Information relating to your work (if self-employed, the nature of the self-employment);
• Financial information such as bank account details, (including information in relation to change in bank accounts), beneficiary account number, type of accounts held, bank statements;
• Payment instrument details at the time of submitting application at the time of investment or as proof for carrying out change of bank account;
• Generation and storing password (PIN) in encrypted form based on the request from the investor under the online mode of investment;
• Photographs and signature;
• Device data including computer and mobile device, browsing actions and patterns and online activity for collective analysis;
• Behavioural details as to how you utilise our products, services, offers, etc.;
• Marital status, gender, occupation;
• Social relationship details such as your father’s name/spouse name, mother’s name, anniversary date; and/or
• Details of your communications and transactions with us.

The above mentioned list is only indicative and AMC may at its sole discretion seek any additional information or data from you which can be construed as Personal Data. However, we will, on a best effort basis provide you with advance notice before seeking any such additional information or Personal Data.

How do we collect Personal Data ?

We may collect/ receive your Personal Data from several sources as under:

• You may provide Personal Data as part of the application or enrolment process for any of our products or services (whether in physical or electronic mode);
• When you use our services or products and/or during the course of transactions;
• Through your communications and interactions with us through emails, IVR, recordings at our call centres;
• Through online interactions/ transactions (such as online calculators, our social media page/profile, chat bot, online campaigns, transaction link, etc. and other new channels as and when they are introduced);
• When you make enquiries or engage with us or with any other person where we are involved for any other person in the transaction concerning you;
• When you use our website and online services provided by us and visit our branches, offices;
• Information publicly available about you including on your social media accounts and where it is appropriate for us to use it; and/or through investor education awareness program/ seminar and investor education awareness mobile application;
• We may also obtain Personal Data about you from third parties including through our distributors, service providers and/or agents.

What is the purpose of collecting your Personal Data?

The Personal Data / information is being collected by us or our service providers/appointed agents, to:

• provide you with good, qualitative, timely and efficient service
• respond to your queries/requests or to process your transactions.
• be compliant with the applicable law, regulations or regulatory guidelines including without any limitation the Know Your Client (KYC) norms under the Prevention of Money Laundering Act, 2002, (PMLA), the rules issued thereunder, and guidelines and circular on Anti- Money Laundering issued by SEBI and the SEBI (Mutual Funds) Regulations, 1996 as amended till date.
• Provide and manage your account and our relationship with you
• Inform you about the various product offerings available with us and our group companies
• Assist you in case of any fraudulent or suspicious activity in relation to your account
• Share your information with our partners/ sub-contractors/ sub agents/ affiliates and other group companies
• Process information which is necessary for the performance of a contract to which you are a party or in order to take steps at your request prior to entering into a contract.
• Process for the purposes of the legitimate interests pursued by us or by a third party.
• meet our legitimate interests, for example, to understand how customers use our services and to develop new services, as well as improve the service we currently provide.
• Process your information where we have your consent to do so.
• Process information to protect your “vital interests”.

What are our security standards and measures ?

Angel One AMC adopts reasonable security practices and procedures and will protect your Personal Data by reasonable security safeguards appropriate to the sensitivity of the Personal Data, consistent with generally accepted standards of commercial business practice, which includes, technical, operational, managerial and physical security controls and that are commensurate with the nature of business at all times in order to protect your Personal Data from unauthorized access, or disclosure while it is under the control of Angel One AMC/Angel One MF.

Angel One AMC takes appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of Personal Data in its possession.

You agree and understand that in cases where Angel One AMC has appointed third parties to act on its behalf for performing certain functions such as processing transactions, issuing account statements, payment gateway services, customer services etc., contractual or other means are used to ensure reasonable security safeguards appropriate to the sensitivity of the Personal Data, consistent with generally accepted standards of commercial business practice. Angel One AMC would ensure to enter into suitable terms with third party service providers in order to protect client confidentiality and follow a non-disclosure and restricted disclosure policy.

Any account statement containing the User’s financial information as an investor, if sent over the internet, will be sent only through a secure means and/or through encrypted electronic mail.

Whom do we share your Personal Data with ?

For the purposes identified in this Privacy Policy, you agree and understand that your Personal Data shall be collected, processed, stored and used by us, and passed to, transmitted to and processed by third parties or external authorities as maybe, if found relevant and necessary in order to comply with the applicable laws of the land and/or to ensure smooth functioning of the activities as may be prescribed under applicable law, such as:

• Other data processors, agents or service providers acting under a contract with us.
• Attorneys, accountants, auditors and persons or entities that assess our compliance with industry standards;
• Registrar and transfer agent/s, call centres, appointed by Angel One AMC for performing specific activities relating to your transactions;
• Banks, custodians, depositories and/or authorized external third parties who are involved in transaction processing, despatches, etc.
• Distributors or sub-brokers through whom applications of investors are received for the investments, any other organization for verifying the identity of investors for complying with anti-money laundering requirements.
• With intermediaries, whose ARN stamp appears on the application forms / transaction slips.
• With third parties such as post office, local and international couriers and other intermediaries for correspondence with the investor and for making payments to the investor by cheques, drafts, warrants, through Electronic Clearing Services (ECS), NEFT etc.
• Statutory and regulatory bodies and authorities including but not limited to the Reserve Bank of India or the Securities and Exchange Board of India (including central and local government) and law enforcement authorities and entities or persons, to whom or before whom it is mandatory to disclose the Personal Data as per the applicable law, courts, judicial and quasi-judicial authorities and tribunals, arbitrators and arbitration tribunals.

We would ensure to enter into contractual agreements with non-affiliate third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information. Personal Data shall be communicated to third persons only for reasons consistent with the purposes for which the data were originally collected or other purposes authorized by law.

We permit only authorized employees trained in proper handling of Personal Data, to have access to Personal Data.

Angel One AMC will not use or share, any Personal Data collected on this website or in the physical application form etc. with a third party for their direct marketing purposes without your express permission. If you have supplied your email address, contact number or postal address, we or our service providers may send you periodic messages with information on existing and new products and services or upcoming events. You can choose to stop receiving such periodic messages/emails at any time by unsubscribing to the communication.

What is our policy on retention of Personal Data ?

We may retain your Personal Data or information for as long as required to provide you with services or otherwise if required under any law or establishment, or defence of legal claims.

We may retain your Personal Data or information (or until your consent is revoked), unless otherwise prescribed by applicable legal requirements and presuming that it is necessary for the purpose of storing and processing. However, if you have availed any services/products/facility from us, we shall have the right to continue processing your information till such investments are in existence.

Angel One AMC performs the disposal of storage devices and systems in a safe and secure manner whenever such hardware devices/equipment are end of life/end of support, to minimize the risk of sensitive information leakage to unauthorized persons, thereby ensuring that the original information is non-retrievable.

Personal Data collected on website and access to Personal Data

The information that you request from our website of your account(s) can only be accessed with your password and the OTP generated and sent to you on your registered e-mail id and/or mobile number. It is your responsibility to keep the password confidential and prevent unauthorized access.

Information submitted by you in the electronic form through this website, as well as the information sent to you by Angel One AMC/Angel One MF is protected and encrypted.

Your account information is not permanently stored on our server. The information only resides on our AMC server and/or our service provider’s server, while you are viewing the information. It is permanently stored on our and/or our service provider’s secured corporate computer systems. The corporate network systems, which store your account information, use proven security controls and has data security staff to ensure security of Personal Data that Angel One AMC processes and stores.

How can you withdraw your consent?

You may withdraw your consent at any time with effect for the future in writing. The withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal. Upon receipt of such request, we may not be able to offer you any further services; however, your Personal Data will be retained by us till the time we are obligated to retain it as per the applicable laws.

Right to Access

Notwithstanding anything contained herein, you shall have the right to access your Personal Information shared or as collected by the AMC, by submitting a request, in writing. Upon receipt of such request, Angel One AMC may, on a best efforts basis, shall provide a summary of the Personal Information within 30 (thirty) days.

Breach of internet security

Despite our best efforts, if unauthorized persons breach the AMC’s/ the Mutual Fund’s security control measures resulting in the website being hacked or presenting inaccurate information etc., Angel One AMC, its directors, officers, employees or affiliates will not be responsible. You must understand that the open nature of the internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. Angel One AMC assumes no responsibility of whatsoever nature as to make good the losses and damages you may incur, due to privacy and/or security breach of your Personal Data.

Unless otherwise stated, Angel One AMC owns the intellectual property rights in the website / mobile application and material on the website / mobile application. You may view, download for caching purposes only, and print pages from the website / mobile application for your own personal use, subject to the restrictions set out in these terms and conditions of use.

Amendments/Modifications

This Privacy Policy available on our website is current and valid. However, Angel One AMC reserves the right to amend/modify any of the sections of this policy at any time and the User is requested to keep himself/herself updated of such changes by accessing the website from time to time.

Grievance Redressal

If you have any concern relating to your Personal Data being processed by us, you may address your concern to the Investor Relations Officer of Angel One MF. You may refer to our website viz. www.angelonemf.com for further details.