PlexoWealth Website - Privacy policy

PlexoWealth is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, platform, mobile applications, and related services (“Services”). By accessing or using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide, including:

a) Name, email address, phone number

b) Date of birth, address, PAN, KYC information

c) Financial profile information used for advisory or investment purposes

d) Login credentials and authentication details

e) Identification documents for verification

f) Generic information (collected only with your explicit consent)

1.2 Non-Personal & Technical Information

When you use our Services, we may automatically collect:

a) Device information (IP address, browser type, OS)

b) Cookies, web beacons, and usage analytics

c) Log files and interaction patterns

d) Session data and page view statistics

1.3 Client & Investor Data

For entities using PlexoWealth as a white-labelled platform, we may process:

a) End-client onboarding details

b) Transaction data, AUM, financial holdings

c) Advisory inputs, goals, and financial plans

All such data is processed strictly as per client instructions and applicable regulations.

2. How We Collect Information

We collect information through various methods when you use the Service:

* Directly from you: You may provide us with personal information when you create an account, purchase a product, subscribe to a service, or contact us for support.

* Automatically: We collect non-personal information through cookies and other tracking technologies.

* Third-Party Sources: We may collect information from third-party sources, such as public databases or social media platforms, but only with your consent.

3. How We Use Your Information

We use the information we collect for various purposes, including:

* Provide, maintain, and enhance the PlexoWealth platform

* Facilitate digital onboarding and eKYC verification

* Deliver financial planning tools, calculators, and advisory workflows

* Generate dashboards, reports, analytics, and insights

* Ensure regulatory compliance and audit obligations

* Enable communication, alerts, reminders, and notifications. Marketing communication included (with your consent)

* Personalize user experience and white-labeled interfaces

* Prevent fraud, enhance security, and monitor system integrity

* Provide customer support and resolve issues

4. Legal Basis for Processing

We process your information based on the following legal grounds:

* Consent: We will obtain your explicit consent before processing your personal information for marketing purposes or collecting sensitive information.

* Contract: We may process your information to fulfill our contractual obligations to you.

* Legitimate Interest: We may process your information for our legitimate interests, such as improving the Service or preventing fraud. We will always balance our legitimate interests against your privacy rights.

* Legal Obligation: We may be required to process your information to comply with legal or regulatory requirements.

* Compliance with applicable laws (e.g., SEBI, KYC/AML requirements)

5. How We Share Your Information

We do not sell personal data. We may share information only with:

5.1 Regulated Third Parties

* KYC verification agencies

* Payment gateways

* Investment platforms and financial institutions

* API service providers needed for transactions

5.2 Service Providers

Trusted vendors supporting:

* Cloud hosting

* Payment gateways

* Investment platforms and financial institutions

* API service providers needed for transactions

5.3 Legal or Regulatory Authorities

We may disclose data if required by law, regulation, or court order.

5.4 Business Transfers

In case of mergers, acquisitions, or restructuring, your data may be transferred under strict confidentiality.

6. Data Security

We implement industry-standard security measures to protect your data, including:

* Encryption (in transit & at rest)

* Secure API-driven architecture

* Role-Based Access Control (RBAC)

* Multi-layer firewalls and intrusion detection

* Regular audits and vulnerability checks

Despite our best efforts, no system is completely impenetrable. We encourage users to maintain strong passwords and follow best security practices.

7. Data Retention

We retain personal information only as long as necessary to:

* Provide Services

* Comply with legal obligations

* Maintain business records

* Resolve disputes

Once data is no longer required, it is securely deleted or anonymized.

8. Your Rights

Depending on local laws, you may have the right to:

* Access your personal data

* Request correction or updates

* Request deletion (subject to regulatory requirements)

* Withdraw consent

* Object to certain data processing activities

* Request a copy of your data (“data portability”)

Requests can be made by contacting us using the details below.

9. Cookies and Tracking Technologies

PlexoWealth uses cookies and similar tools to:

* Improve user experience

* Measure traffic and usage

* Personalize content

* Authenticate users

Users may manage cookie preferences through their browser settings.

10. White-Labeled Platform Data Handling

For businesses using PlexoWealth white-labeled infrastructure:

* All client data remains the property of the business

* PlexoWealth serves purely as a technology processor

* Data is accessed only to fulfil service delivery or support requests

* Custom branding does not affect data protection standards

11. International Data Transfers

If data is processed outside your jurisdiction, we ensure adequate safeguards (such as contractual clauses and encryption) to protect your privacy.

12. Children's Privacy

Our Service is not directed to children under the age of 18. We do not knowingly collect personal information from children under the age of 18.

If you are a parent or guardian and you believe your child under 18 has provided us with personal information, please contact us using the information provided in Section 13 below. We will delete the information from our systems.

13. Contact us

If you have any questions about this privacy policy, please contact us:

By email: info@abchlor.in

By phone: +91 22 4071 3366

14. Changes to this privacy policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on the Service. You are advised to review this Privacy Policy periodically for any changes.