Firstbullfinancialservices

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Privacy Policy

INTRODUCTION

Firstbull Financial Services Private Limited (“Firstbull”, “the Company”, “we”, “us”, or “our”) is a financial services company committed to assisting clients in achieving their financial goals. We recognize that your trust is fundamental to our relationship, and protecting your personal data is a core part of that trust.

This Privacy Policy (“Policy”) explains how we collect, use, store, process, and disclose your personal data when you access our website https://firstbullfinancialservices.com/, mobile applications, or avail any of our services (collectively, the “Platform”).

We are committed to maintaining the highest standards of data protection and privacy and aim to comply with all applicable data protection laws and regulatory guidelines, including those issued by the Securities and Exchange Board of India (“SEBI”), Reserve Bank of India (“RBI”), Insurance Regulatory and Development Authority of India (“IRDAI”), Pension Fund Regulatory and Development Authority (“PFRDA”), and other relevant authorities.

This Policy applies to all users, including retail customers (B2C), business partners (B2B), and users accessing our Platform through authorized intermediaries.

YOUR CONSENT

By accessing or using our Platform or Services, you confirm that you have read, understood, and agreed to the terms of this Privacy Policy. You hereby provide your free, informed, specific, and unambiguous consent for the collection, processing, storage, and sharing of your Personal Data as described herein.

If you do not agree with this Policy, please do not access our Platform or use our Services.

Where processing of your Personal Data is based on your consent, you have the right to withdraw such consent at any time, subject to applicable legal and regulatory requirements.

Your use of the Platform is also governed by our Terms & Conditions. In case of any inconsistency between this Privacy Policy and the Terms & Conditions, this Privacy Policy shall prevail with respect to Personal Data handling.

DEFINITIONS

  • “Data Protection Laws”: Includes the Information Technology Act, 2000, IT Rules 2011, IT Rules 2021, Digital Personal Data Protection Act, 2023, and other applicable Indian laws.

  • “Personal Data”: Any information relating to an identifiable individual.

  • “Processing”: Any operation performed on Personal Data including collection, storage, use, disclosure, or deletion.

  • “Services”: Financial services provided by Firstbull, including but not limited to mutual funds, loans, insurance, fixed deposits, investment facilitation, and related services.

  • “You” / “Your”: Any individual accessing or using the Platform or Services.

KINDS OF PERSONAL DATA WE COLLECT

We collect only such Personal Data that is necessary and lawful, including:

1. Identity Data

Name, date of birth, gender, photograph, PAN, Aadhaar (where legally permitted), passport, voter ID, driving license, and other KYC documents.

2. Contact Data

Residential address, email address, mobile number, and other communication details.

3. Financial Data

Bank account details, income details, investment preferences, transaction history, and source of funds.

4. KYC & Due Diligence Data

Information required for KYC, AML, and CFT compliance, including biometric data for Aadhaar-based authentication where applicable.

5. Transactional Data

Records of investments, loan applications, insurance proposals, payment history, and service requests.

6. Technical & Usage Data

IP address, browser type, device information, operating system, location data, app usage behavior, and log data.

7. Marketing & Communication Data

Preferences regarding marketing communications via email, SMS, WhatsApp, calls, or push notifications.

8. Voluntary Information

Information voluntarily provided through feedback forms, surveys, or customer support interactions.

HOW WE COLLECT YOUR PERSONAL DATA

We collect Personal Data through:

  • Direct interactions (forms, account opening, customer support, calls, emails)

  • Automated technologies (cookies, logs, analytics tools)

  • Mobile app permissions (camera, location, storage, SMS, device data)

  • Third parties (KYC agencies, banks, credit bureaus, AMCs, insurers, payment gateways)

  • Business partners and authorized persons

All third parties are required to comply with applicable data protection laws.

PURPOSES FOR PROCESSING PERSONAL DATA

We process Personal Data for lawful purposes, including:

Service Delivery

  • Account creation and management

  • Processing investments, loans, FDs, and insurance

  • Transaction confirmations and statements

Regulatory & Legal Compliance

  • KYC, AML, and CFT compliance

  • Reporting to regulatory and government authorities

  • Legal proceedings and audits

Customer Support & Relationship Management

  • Responding to queries and complaints

  • Service updates and policy changes

Product Improvement & Analytics

  • Platform optimization

  • Research, data analysis, and service enhancement

Marketing & Communication

  • Promotional offers and educational content

  • Personalized communication (subject to consent)

Risk Management & Fraud Prevention

  • Security monitoring

  • Fraud detection and prevention

Business Operations

  • Internal reporting, audits, and operational efficiency

DISCLOSURE AND SHARING OF PERSONAL DATA

We may share your Personal Data with:

  • Regulatory and Government Authorities

  • Stock Exchanges and Depositories

  • Banks, NBFCs, AMCs, Insurance Companies

  • KYC, payment, IT, analytics, and cloud service providers

  • Business partners and affiliates

  • Legal advisors, auditors, and consultants

  • Acquiring entities during mergers or restructuring

All recipients are bound by confidentiality and data protection obligations.

DATA RETENTION AND STORAGE

We retain Personal Data only as long as required for:

  • Regulatory compliance

  • Legal obligations

  • Business and operational needs

Upon expiry of retention periods, data is securely deleted or anonymized. Data may be stored on secure servers located in India or other permitted jurisdictions.

COOKIES, ADVERTISING & TRACKING TECHNOLOGIES

We use cookies and similar technologies to:

  • Ensure Platform functionality

  • Analyze performance and usage

  • Personalize content and advertisements

You may control cookie preferences via browser or device settings. Disabling cookies may impact Platform functionality.

DATA SECURITY

We implement reasonable technical and organizational security measures, including encryption, access controls, and periodic audits, to protect your Personal Data against unauthorized access or misuse.

YOUR RIGHTS

Subject to applicable laws, you may have the right to:

  • Access and correct your Personal Data

  • Withdraw consent

  • Request deletion or restriction

  • Raise grievances or complaints

CHANGES TO THIS PRIVACY POLICY

We may update this Policy periodically. Any changes will be posted on our Platform with the updated effective date.

CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or your Personal Data, please contact:

Firstbull Financial Services Private Limited
📧 Email: info@firstbullfinancialservices.com
📍 Registered Office: 320 Patel colony, Ratnakar coaching classes, pola ground , Chhindwara 480334, Chhindwara, India, 480001