Suraj Jatwani (Proprietor: SJ Financial Services) is committed to protecting the privacy and confidentiality of your personal and financial data. This policy outlines how we handle your information as a Data Fiduciary under applicable laws including the Digital Personal Data Protection Act, 2023.

1. Data Collection & Purpose

We collect personal information—including KYC documents (such as PAN and Aadhaar), contact details, and financial goals—solely for the purpose of facilitating financial product distribution and meeting regulatory requirements set by SEBI, AMFI, IRDAI, and PFRDA.

2. Lawful Basis for Processing

Your data is processed based on your explicit consent and for the performance of services related to Mutual Fund, Insurance, and NPS distribution. By providing your data, you authorize Suraj Jatwani to facilitate transactions on your behalf in accordance with applicable regulations.

3. Sharing of Information

Your data is shared only with regulated entities as required for transaction processing and compliance, including:

• Asset Management Companies (AMCs) and Insurance Providers
• Registrar and Transfer Agents (RTAs) such as CAMS and KFintech
• Exchanges and Aggregators (BSE StAR MF, NSE NMF II, etc.)
• Regulatory Authorities when mandated by law

We do not sell, rent, or trade your personal data to any third party.

4. Data Security & Retention

We implement reasonable and industry-standard security practices to protect your data from unauthorized access, misuse, or disclosure.

We retain your information only as long as required under SEBI/AMFI record-keeping norms (currently 8 years post-cessation of the relationship) or as required under applicable laws.

Sensitive personal data such as Aadhaar is handled in accordance with regulatory guidelines. Wherever applicable, Aadhaar numbers are masked (showing only the last four digits) in stored or processed records, in line with UIDAI and regulatory requirements.

5. Your Rights Under the Digital Personal Data Protection Act, 2023

You have the following rights:

• Right to Withdraw Consent: You may withdraw consent for data processing at any time (this may affect our ability to provide services).
• Right to Correction & Erasure: You may request correction or deletion of your data, subject to regulatory retention requirements.
• Right to Grievance Redressal: You may contact us for any data-related concerns or complaints.

6. Third-Party Links & Cookies

Our website may contain links to external platforms (such as AMFI, AMC, or SEBI websites). We are not responsible for the privacy practices of such third-party websites.

We use minimal cookies or analytics tools to improve website functionality and user experience.

7. Consent Mechanism

By submitting your details through our website forms, contact forms, or “Get Started” features, you explicitly consent to the collection and processing of your data for financial product distribution.

A consent checkbox is provided on relevant forms stating:

“I agree to the Privacy Policy and authorize Suraj Jatwani to process my data for financial product distribution.”

8. Grievance Officer (Data Protection)

For any privacy-related queries, complaints, or to exercise your data rights, please contact:

Name: Suraj Jatwani
Email: jatwanisuraj@gmail.com
Registered Address: Faridabad, Haryana

9. Policy Updates

This Privacy Policy may be updated from time to time to reflect regulatory or operational changes. Users are advised to review this page periodically.