Privacy Policy

Effective date: 15-08-2025

Last updated: 15-08-2025

1) Who we are

This Privacy Policy explains how Peepal Bodhi Capital Services Private Limited (“we”, “us”, “our”) collects, uses, shares and protects your information when you use our website, forms, email, WhatsApp and services.

Registered office: No 885, Chikkasandra, Bangalore - 560057
Primary email: assist@pbcapitalservices.com
Phone: +91 7766 934288

We operate in India and work with regulated partners such as AMCs, SEBI-registered PMS managers, IRDAI-licensed insurers, and independent CAs and lawyers.

2) Scope

This policy covers:

  • Our website and contact forms.
  • Client onboarding and service delivery for Mutual Funds, PMS facilitation, Insurance facilitation, NRI Services, ITR Services, Estate Planning coordination, Faith-Based Investing guidance, Charity Support, Wealth Tracking Services, and Paid-Only Execution.
3) The data we collect

We collect only what we need for lawful, fair and transparent purposes.

  • Identity & contact: name, PAN, date of birth, addresses, email, phone, nationality, residency.
  • KYC & regulatory: photographs, signatures, FATCA/CRS, risk profile, occupation, income band, nominee details.
  • Financial & transaction: folio and demat details, bank details, UPI/IFSC, investment holdings, SIP/STP/SWP mandates, contract notes, statements, premiums, claims information.
  • Documentation: copies of KYC, policy documents, property papers, wills/POA (if shared), 15CA/CB, ITR-related files.
  • Communications & usage: emails, messages, support notes, IP address, device/browser data, cookies and analytics.
  • Integrated email service (opt-in): email addresses and message metadata, and any content you choose to route through us for coordination.

We do not intentionally collect information about children under 18 without guardian consent.

4) How we collect it
  • Directly from you: forms, calls, meetings, email, WhatsApp.
  • From authorised third parties: banks, AMCs, PMS managers, insurers, KRA/KYC systems, CAs, lawyers.
  • From public or regulatory sources where lawful.
  • Through cookies and analytics on our website.
5) Why we use your data (purposes)
  • To respond to enquiries and deliver services you request.
  • To perform onboarding, KYC, and compliance checks.
  • To process transactions, set up SIP/STP/SWP, prepare paperwork, and coordinate with partners.
  • To provide statements, reports and reminders.
  • To send service updates and regulatory notices.
  • To run our website, improve user experience, and prevent fraud/misuse.
  • For legally required record-keeping, audits and dispute handling.
6) Legal basis / lawful use

We rely on one or more of these grounds: your consent, performance of a contract with you, compliance with law (tax, KYC, FEMA, SEBI/IRDAI rules), and our legitimate interests in running a secure, efficient service. For clients outside India, local rules may also apply. You can withdraw consent where we rely only on consent, but this does not affect past processing.

7) Cookies and analytics

We use necessary cookies for site functioning and may use analytics cookies to understand usage. You can manage cookies in your browser. Blocking some cookies may affect site features.

8) Sharing your data

We share data only on a need-to-know basis:

  • With regulated or professional partners: AMCs, PMS managers, insurers, KRAs, banks, registrars, CAs, lawyers and auditors.
  • With service providers: IT hosting, CRM, cloud storage, email/SMS gateways, analytics, couriers.
  • With authorities when required by law or to protect rights and safety.

We do not sell your personal data.

9) International transfers

If data is transferred or stored outside India, we use safeguards such as contractual protections, reputable cloud providers, and access controls. By using our services, you understand such transfers may occur to support service delivery.

10) Data security

We use reasonable technical and organisational measures: role-based access, encryption in transit where feasible, strong authentication, audit trails, maker-checker for sensitive actions, and staff confidentiality commitments. No system is perfectly secure; residual risk remains on the internet.

11) Data retention

We keep data only as long as needed:

  • For service delivery and lawful business records.
  • For statutory retention under tax, KYC/AML and other regulations.
  • After that, we delete or anonymise it within reasonable timeframes.

Retention periods vary by document type and legal requirements.

12) Your choices and rights

Subject to law, you can:

  • Access and correct your data.
  • Update KYC, nominees and contact details.
  • Withdraw consent where processing is consent-based.
  • Request deletion where the law permits.
  • Nominate an individual to exercise rights on your behalf as per the DPDP Act.

To nominate, contact assist@pbcapitalservices.com with subject “Privacy Nomination Request”. Any email sent should be from the registered email id. We may need ID proof to verify your identity. We aim to respond within 30 days.

13) Integrated email service (opt-in)
  • We store addresses, metadata and content strictly to deliver the service you requested.
  • We do not use your messages for advertising.
  • For highly sensitive information, consider using encrypted files or a secure portal.
14) Third-party links

Our site may link to third-party websites. Their privacy practices are their own. Please review their policies before sharing data.

15) Special categories and SPDI

Some documents you share may include Sensitive Personal Data or Information (SPDI) as defined under Indian rules. We collect such data only when necessary for the purpose and protect it with stricter access and handling.

16) Grievance officer / Data contact

Grievance Officer: The email will be routed to a customer success officer or a compliance officer. In case both these positions are vacant, then it will be forwarded to one of the directors.
Email: investorgrievance@pbcapitalservices.com

We aim to acknowledge grievances within 2 working days and respond within 20 working days.

17) Changes to this policy

We may change this policy from time to time. The latest version will be posted here with an updated date. If changes are material, we will try to inform you through email or a site notice.

18) Contact us

For privacy questions or requests, write to the grievance or use the form on our Contact page.