Privacy Policy

Welcome to CapFlw!

This Privacy Policy ("Policy") explains how CapFlw Technologies Private Limited ("CapFlw", "we", "our", or "us") collects, uses, shares, and safeguards your information when you interact with our website, applications, and services ("Service"). By using our Service, you agree to the practices described below. If you do not agree, please stop using our Service immediately.

1. Information We Collect

1.1 Information You Provide

• Personal data like your name, email address, mobile number, PAN (Permanent Account Number) or Aadhaar details (only when required for regulatory compliance).
• Information you upload or submit through forms, financial portfolios, KYC submissions, or surveys.
• Communications via emails, calls, and feedback forms.

1.2 Information from Third-Party Services

• When you link accounts (financial aggregator platforms) to CapFlw, we collect your public profile information and transaction data.
• Any integrations are subject to your explicit consent and can be revoked anytime.

1.3 Automatically Collected Information

• Usage data including your IP address, browser type, operating system, device identifiers, location (approximate), pages viewed, and activity timestamps.
• Collected via cookies, beacons, tags, or other tracking technologies.

1.4 Information from Other Sources

• Public records, partners, or affiliates may provide additional demographic or professional information for service improvements or marketing.

2. How We Use Your Information

• To operate, maintain, and enhance our Service.
• To perform portfolio analysis, tax optimization, and financial planning models.
• To comply with Indian regulations (such as SEBI, RBI, and IT laws).
• To personalize your user experience and provide insights or recommendations.
• For marketing communications (with opt-out options available).

3. Sharing of Information

• Service Providers: Technology partners, payment gateways, customer support partners under confidentiality agreements.
• Regulatory Authorities: If required by Indian laws, including SEBI or Income Tax Department.
• Corporate Transactions: In case of a merger, acquisition, or sale, your data may be transferred securely.

4. Data Security

We implement appropriate security measures including encryption, anonymization, and secure data storage in compliance with the Information Technology Act, 2000 and its amendments (including IT Rules, 2011).

5. Your Rights

• Access & Correction: You can request access to or correction of your personal information.
• Data Portability: On request, we will provide your data in a portable format.
• Withdrawal of Consent: You may withdraw consent for marketing at any time.

6. International Data Transfers

If your data is transferred outside India, we ensure it is protected under contracts compliant with Indian data protection standards.

7. Retention

We retain your data for as long as necessary to fulfill the purposes outlined in this Policy unless a longer retention period is required by law.

8. Updates to This Policy

We may revise this Policy from time to time. Changes will be notified through the Service or email.

9. Contact Us

For any questions regarding privacy practices:

CapFlw Technologies Private Limited,

Canton street Hyderabad. 500023

Email: privacy@capflw.com