Privacy Policy

1 Introduction

Welcome to Creative Wealth and the WealthRecords.in platform. We are an AMFI-Registered Mutual Fund Distributor (ARN-114592) committed to helping individuals make informed financial decisions.

This Privacy Policy describes how Creative Wealth ("we", "us", or "our") collects, uses, stores, and protects the personal information you provide when you visit our website or use our services. By using our platform, you agree to the practices described in this policy.

We are headquartered at: Office #312, 3rd Floor, Ansal Kirti Deep Building, DDA Complex, Nangal Raya, New Delhi – 110046, India.

2 Information We Collect

We collect information in the following ways:

Information you provide directly:

• Full name, email address, and phone number submitted through contact or enquiry forms
• Financial details you share with us voluntarily while seeking guidance (e.g. investment goals, risk appetite)
• Login credentials and profile information for registered clients on the WealthRecords.in portal

Information collected automatically:

• Browser type, operating system, device type, and screen resolution
• Pages visited, time spent on each page, and navigation patterns (via our own analytics system)
• IP address and approximate geographic location (city/region level only)
• Push notification subscription data if you opt in to web push alerts

3 How We Use Your Information

The information we collect is used solely to serve you better. Specifically, we use it to:

• Respond to your enquiries, callback requests, and support tickets in a timely manner
• Provide you with personalised financial guidance, mutual fund recommendations, and investment insights
• Send you relevant newsletters, market alerts, and updates — only if you have subscribed or opted in
• Deliver web push notifications related to market updates, portfolio alerts, or service announcements (only if you have granted permission)
• Manage and maintain your registered client account on the WealthRecords.in portal
• Analyse website usage patterns to improve the user experience and our service offerings
• Comply with applicable regulatory and legal obligations

We do not use your information for automated decision-making or profiling that produces legal or significant effects on you.

4 Sharing of Information

Your trust matters to us. We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes.

We may share your information only in the following limited circumstances:

• With SEBI-regulated partners (such as AMCs, RTAs, or broking platforms) where necessary to process your financial transactions or service requests
• With our technology or service providers who assist us in operating the platform, under strict data processing agreements
• When required by law, regulation, court order, or a request from a competent regulatory authority (e.g., SEBI, AMFI)

All third parties we work with are required to maintain the confidentiality of your information and are prohibited from using it for any other purpose.

5 Data Security

We take the security of your personal information seriously and implement industry-standard measures to protect it:

• All data transmitted through our website is encrypted using HTTPS / TLS encryption
• Our servers and databases are hosted on secure, access-controlled infrastructure
• Access to personal data is restricted to authorised personnel only, on a need-to-know basis
• Registered client portal data is protected with authentication controls and session management

While we employ robust security practices, no method of data transmission over the internet is completely secure. We encourage you to keep your login credentials confidential and to contact us immediately if you suspect any unauthorised access.

6 Cookies & Analytics

We use cookies and similar tracking technologies to enhance your experience on WealthRecords.in. Cookies are small text files stored on your browser.

We use cookies for the following purposes:

• Session Management: To keep you logged in to your client portal during your visit
• Preferences: To remember your settings and preferences
• Analytics: To understand how visitors use our website so we can improve it

You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of the client portal.

7 Push Notifications

We use web push notifications to send you timely updates, including market alerts, portfolio reminders, and announcements related to our services.

Push notifications are entirely opt-in. We will only send them if you have explicitly granted permission through your browser.

To opt out of push notifications at any time:

• Go to your browser's Settings → Notifications and revoke permission for WealthRecords.in
• Alternatively, contact us at support@creativewealth.in and we will remove you from our push list

Opting out of push notifications will not affect your ability to use any other part of the website or client portal.

8 Your Rights

You have the following rights regarding your personal data held by us:

• Right to Access: Request a copy of the personal information we hold about you
• Right to Correction: Ask us to correct any inaccurate or incomplete information
• Right to Deletion: Request deletion of your personal data, subject to any regulatory retention requirements
• Right to Withdraw Consent: Withdraw your consent to email communications or push notifications at any time

To exercise any of these rights, please contact us using the details in Section 11. We will respond to all requests within 15 business days.

9 Third-Party Links

Our website may contain links to external websites, including SEBI SCORES, AMFI India, or our partner platforms. These links are provided for your convenience and information.

We are not responsible for the privacy practices, content, or security of any third-party websites. We encourage you to read the privacy policies of any external sites you visit.

10 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable laws. When we make significant changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

11 Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal data, please reach out to us: