Sabbal Wealth Advisory ("Sabbal Wealth", "we", "our", or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you visit our website or use our services.
1. Information We Collect
We collect information that you provide directly to us, including:
- Identity Data: Full name, date of birth, PAN card number
- Contact Data: Email address, phone number, postal address
- Financial Data: Income details, existing loans, investment preferences
- Transaction Data: Details about products and services you've purchased
- Technical Data: IP address, browser type, device information, cookies
- Usage Data: How you use our website, pages visited, time spent
- Marketing Data: Your preferences in receiving marketing from us
2. How We Use Your Information
We use your personal data for the following purposes:
- To provide financial advisory, insurance broking, and loan facilitation services
- To process your applications and communicate with you regarding them
- To send you relevant product information, updates, and promotional material (with consent)
- To comply with our legal and regulatory obligations under IRDAI, SEBI, and RBI guidelines
- To improve our website, products, and services through analytics
- To prevent fraud, money laundering, and other illegal activities
- To fulfill KYC (Know Your Customer) obligations as mandated by Indian law
3. Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device. We use:
- Essential Cookies: Required for basic website functionality
- Analytics Cookies: Help us understand how visitors use our website (Google Analytics)
- Marketing Cookies: Track your activity to deliver relevant advertisements
You can disable cookies in your browser settings; however, some features of the website may not function properly.
4. Third-Party Sharing
We may share your personal data with:
- Insurance Companies: To process insurance applications and claims on your behalf
- Banks and NBFCs: To facilitate loan applications and comparisons
- AMCs and Fund Houses: For processing mutual fund investments
- IRDAI and SEBI: As required by regulatory compliance
- Technology Partners: Who help us operate our website and services under strict data processing agreements
We do not sell your personal data to third parties for marketing purposes.
5. Data Security
We implement industry-standard security measures including SSL/TLS encryption, secure server infrastructure, access controls, and regular security audits to protect your personal data. All sensitive financial data is encrypted at rest and in transit.
6. Data Retention
We retain your personal data for as long as necessary to provide services and comply with legal obligations. For insurance policies, this is typically the policy term plus 5 years. For loan applications, it is 7 years per RBI guidelines.
7. Your Rights
Under applicable Indian data protection laws, you have the right to:
- Access the personal data we hold about you
- Correct inaccurate or incomplete data
- Request deletion of your data (subject to legal obligations)
- Withdraw consent for marketing communications at any time
- Lodge a complaint with the relevant regulatory authority
To exercise these rights, contact us at privacy@wealthshield.in.
8. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact our Data Protection Officer: