Privacy Policy

1. Introduction

Welcome to Vansh Connect ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our family wealth management platform and services (collectively, the "Services").

Vansh Connect is a multi-tenant family wealth management platform that helps families manage their financial assets, investments, insurance policies, properties, and other financial information in one secure place.

By accessing or using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

2. Information We Collect

2.1 Account Registration Information

When you create an account, we collect:

• Full name
• Email address
• Password (stored in encrypted/hashed form)
• Phone number (optional)
• Country of residence
• Profile photo (optional)

2.2 Identity and Tax Information

Depending on your country, you may optionally provide:

• India: Aadhaar number, PAN number, GST number
• UAE: Emirates ID, VAT number
• General: Passport number

2.3 Family Member Information

When you add family members to your account, we collect:

• Full name, date of birth, gender, and relationship
• Phone number, email address, and address
• Occupation and blood group
• Emergency contact details
• Medical conditions and allergies (optional)
• Profile photo (optional)

2.4 Financial Information

The core of our platform involves storing your financial data, which may include:

• Bank Accounts: Bank name, branch, account number, IFSC code, account type, and balance
• Bank Lockers: Locker number, access details, and annual rent information
• Credit & Debit Cards: Card details and expiry information
• Investments: Stocks, mutual funds, SIPs, fixed deposits, PPF, bonds, and cryptocurrency holdings including folio numbers, demat accounts, quantities, and valuations
• Insurance Policies: Policy numbers, sum assured, premium amounts, beneficiary details, and renewal dates for life, health, vehicle, and home insurance
• Properties: Property address, valuation, purchase price, area, and mortgage details
• Vehicles: Registration number, chassis/engine numbers, and insurance/fitness expiry dates
• Gold & Jewellery: Item details, weight, purity, valuation, and storage location
• Loans: Lender details, loan amount, EMI, interest rate, and repayment schedules (both loans taken and given)
• Utility Bills: Bill provider details, payment status, and auto-pay settings
• Wills & Estate Planning: Testator, executor, beneficiary, and asset coverage details

2.5 Health Records

You may optionally store health-related information including:

• Vaccination records and medical prescriptions
• Hospital visits and lab test results
• Follow-up appointment dates

2.6 Documents and Files

You may upload documents such as insurance certificates, property deeds, bank statements, and identity documents. We store the file name, type, size, and the file itself securely.

2.7 Payment and Subscription Information

When you purchase a subscription, we collect payment details processed through Razorpay, including order ID, payment ID, payment status, and transaction amount. We do not store your full card details on our servers.

2.8 Information Collected Automatically

When you use our platform, we automatically collect:

• Session Data: IP address, browser type (user agent), and last activity timestamp
• Activity Logs: Actions performed on the platform (create, update, delete, view) for audit trail purposes, including old and new values of changed records
• Login Information: Last login timestamp and IP address

2.9 CA/Accountant Information

If you register as a Chartered Accountant or financial professional, we additionally collect:

• Firm name and CA registration number
• Specialisation, office address, and office phone
• GST number and professional bio

3. How We Use Your Information

3.1 Provide and Manage Services

• Create and manage your account and family unit
• Store and organise your financial records securely
• Provide dashboard summaries and consolidated views of your financial data
• Send reminders for insurance renewals, FD maturity dates, EMI due dates, and other financial events
• Fetch live market data for your stock and mutual fund investments
• Auto-fetch utility bill information through BBPS integrations

3.2 Communication

• Send transactional emails (account verification, password resets, welcome emails)
• Send payment receipts and subscription confirmations
• Send reminders and notifications about your financial assets
• Respond to your support tickets and contact form submissions

3.3 Security and Compliance

• Maintain activity logs and audit trails for accountability
• Detect and prevent unauthorised access to your account
• Enforce our Terms of Service
• Comply with applicable legal obligations

3.4 Family Sharing and Access Control

• Enable family members to view and manage shared financial records based on permissions you set
• Allow CA/Accountants to access your records if you grant them permission
• Manage role-based access (owner, member, CA, financial advisor) with granular module-level permissions

4. Data Sharing and Disclosure

We do not sell your personal or financial information. We may share your information only in the following circumstances:

4.1 With Family Members and Authorised Users

Your financial records may be visible to other family members or authorised professionals (CA, financial advisors) based on the permissions you configure. You have full control over who can view, edit, or manage your data.

4.2 With Service Providers

We share limited information with third-party service providers who perform services on our behalf:

• Razorpay: Payment processing for subscriptions
• SMTP Mail Service: Sending transactional and notification emails
• Alpha Vantage / Finnhub: Fetching live stock market prices (no personal data shared, only stock symbols)
• MFAPI / AMFI: Fetching mutual fund NAV data (no personal data shared)
• Setu / Cashfree BBPS: Auto-fetching utility bill information (customer identifiers shared with bill providers)

4.3 For Legal Reasons

We may disclose your information if required by law, court order, or government request, or to protect the rights, property, or safety of Vansh Connect, our users, or others.

4.4 Business Transfers

If Vansh Connect is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.

5. Data Security

We implement robust security measures to protect your personal and financial information:

While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We are committed to protecting your information to the best of our ability.

6. Your Rights and Choices

6.1 Access and Update

You can access and update your personal information, family member details, and financial records at any time by logging into your account.

6.2 Deletion

You can delete individual financial records from any module. If you wish to delete your entire account and all associated data, please contact our support team. Note that some records may be retained as required by law.

6.3 Notification Preferences

You can configure notification preferences for each financial asset, choosing whether to receive email reminders for renewals, maturity dates, and other events.

6.4 Access Permissions

You can manage who has access to your financial data at any time by updating family member permissions, CA access, or financial advisor access through your account settings.

7. Cookies and Sessions

We use cookies for essential platform functionality. For detailed information, please see our Cookie Policy.

• Session Cookie: Maintains your login session (expires after 120 minutes of inactivity)
• CSRF Token Cookie: Protects against cross-site request forgery attacks

We do not use advertising or tracking cookies.

8. Third-Party Services

Our platform integrates with the following third-party services:

• Razorpay: For processing subscription payments. Razorpay has its own privacy policy governing how they handle payment data.
• Stock Market APIs (Alpha Vantage, Finnhub): For fetching live stock prices. Only stock symbols are sent; no personal data is shared.
• Mutual Fund APIs (MFAPI, AMFI): For fetching fund NAV data. No personal data is shared.
• BBPS Providers (Setu, Cashfree): For auto-fetching utility bills. Customer identifiers are shared with bill providers to retrieve bill information.
• SMTP Email Service: For sending emails. Your email address and name are shared for email delivery.

9. Data Retention

We retain your information for as long as your account is active. Specific retention practices:

• Account Data: Retained while your account is active. Soft-deleted records are retained for a reasonable period to allow recovery.
• Financial Records: Retained for as long as your account is active. Deleted records are soft-deleted and may be retained for legal compliance.
• Activity Logs: Retained for audit trail purposes as long as the associated account exists.
• Session Data: Session records expire after 120 minutes of inactivity and are periodically cleaned up.
• Payment Records: Retained for 7 years as required for tax and accounting purposes.

10. Children's Privacy

Our Services are designed for adults managing family finances. While family members of any age may be added as records within a family unit, account registration and platform access require the user to be at least 18 years of age. We do not knowingly allow children to create accounts independently.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated Privacy Policy on this page with a new "Last Updated" date
• Sending an email notification to your registered email address

Your continued use of our Services after the updated Privacy Policy takes effect constitutes your acceptance of the changes.

12. Contact Information

If you have any questions or concerns regarding this Privacy Policy or our privacy practices, please contact us: