Privacy Policy – Niveshak™

Niveshak™ ("we", "our", "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and protect information when you use our website, mobile application, and related services (collectively, the "Platform").

By accessing or using Niveshak™, you agree to the terms of this Privacy Policy.

1. Who We Are

Niveshak™ is a market intelligence and information platform for equity investors.
We are not a stock advisory service and do not provide buy/sell recommendations.

📩 Contact: contact@niveshakapp.com
🌐 Website: https://www.niveshakapp.com

2. Information We Collect

We collect only what is necessary to operate the Platform.

2.1 Information You Provide

Mobile number (for OTP-based authentication)
Email address (optional, for communication)
Watchlist preferences
Alert and notification settings
Feedback, feature requests, or support messages

2.2 Information Collected Automatically

Device type, OS version, app version
IP address (for security and fraud prevention)
App usage events (screens viewed, features used)
Notification interactions (opened/dismissed)

2.3 Information We Do NOT Collect

Bank account details
Trading credentials (Broker passwords)
PAN, Aadhaar, or KYC documents
Portfolio holdings (unless explicitly uploaded by you)
Any sensitive personal financial information

3. How We Use Your Information

We use your data to:

Authenticate users securely
Deliver personalized alerts and feeds
Improve relevance and signal quality
Monitor platform performance and reliability
Communicate important updates
Comply with legal obligations

We do not use your data for:

Stock recommendations
Automated trading
Selling personal data to third parties

4. Data Sources & Content Attribution

Market data, news, and updates displayed on Niveshak™ are sourced from:

Licensed publishers
Publicly available regulatory disclosures
Exchange-released information
Approved data feeds

Each content item is clearly attributed to its source. Niveshak™ does not claim ownership of third-party content.

5. Cookies & Tracking Technologies

Our website and app may use:

Essential cookies
Analytics tools (privacy-safe, aggregated)
Crash and performance monitoring

These are used strictly for platform stability, performance optimization, and user experience improvement. You may control cookies via your browser or device settings.

6. Data Sharing & Disclosure

We share information only in the following circumstances:

Service Providers: With trusted vendors who assist in hosting, analytics and performance monitoring tools, and notification delivery. They are contractually bound to confidentiality.
Publisher Partners: When you click a "Read Full Article" link, you are redirected to a third-party publisher. Your interaction with their site is subject to their privacy policy, not ours.
Legal Compliance: If required by law, court order, or government regulation (e.g., SEBI or RBI mandates).
Business Transfers: In connection with a merger, sale of assets, or acquisition (you will be notified).

7. Data Storage & Security

Data is stored on secure servers located in India (compliant with DPDP Act requirements).
Industry-standard encryption is used in transit (SSL/TLS) and at rest.
Access is restricted on a strict need-to-know basis.
Regular security reviews and audits are conducted.

7.1 Breach Notification

In the event of a data breach affecting your personal information:

We will notify you within 72 hours via email/SMS
We will report to CERT-In (Indian Computer Emergency Response Team)
We will inform you of: what data was accessed, when it happened, and steps we're taking

No system is 100% secure, but we take reasonable measures to protect your data.

8. Data Retention & Deletion

We retain personal data only as long as your account remains active or required by law.

Deletion Request: You may request deletion of your account and associated data at any time via the App Settings (Profile > Delete Account) or by emailing us at contact@niveshakapp.com.

9. Your Rights

You have the right to:

Access your personal data
Correct inaccurate information
Withdraw consent for non-essential communications
Request deletion of your data

10. Grievance Officer (Mandatory under IT Act 2000)

In accordance with the Information Technology Act, 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:

Name: Shivam Mane
Email: shivam@niveshakapp.com

11. Third-Party Links

The Platform contains links to external websites (publishers, exchanges). We are not responsible for their privacy practices. Please review their policies separately.

12. Regulatory Positioning

Niveshak™:

Is an information and data interpretation platform
Does not provide investment advice
Does not act as a SEBI-registered advisor
Displays disclaimers clearly across the Platform

Users remain fully responsible for their investment decisions.

13. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via the Platform or email. Continued use of Niveshak™ constitutes acceptance of the updated policy.

14. Contact Us

If you have questions about this Privacy Policy, please contact us at:

📩 contact@niveshakapp.com