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✦ AMFI Registered — ARN-50844 | ✦ SEBI Compliant | ✦ IRDA Certified Insurance Advisor | ✦ LIC Authorised Agent Delhi NCR | ✦ 20+ Years Experience

Privacy Policy

Last updated: 24 October 2026

This Privacy Policy explains how eMutualFunds and Shipra Finance, operated by Binod Kumar Shukla (AMFI Registered Mutual Fund Distributor, ARN-50844), collect, use, share and protect your personal information when you use emutualfunds.in, our mobile app, or contact us by phone, WhatsApp, email or in person. We handle personal data in line with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000.

1. Information we collect

  • Contact details you share through forms, calls, WhatsApp or the app: name, mobile number, email address and city.
  • Investor and customer details needed to help you invest or buy insurance or a loan: PAN, date of birth, address, bank details, nominee details and KYC documents, only when you choose to proceed.
  • Technical data: IP address, device and browser type, pages visited and cookie identifiers, collected automatically.
  • Your messages: the details you write in enquiries, calculators and feedback.

2. How we use your information

  • To respond to your enquiries and book consultations.
  • To help you complete KYC, mutual fund applications, insurance proposals and loan applications.
  • To send service messages such as account updates, renewal reminders, SIP and policy reminders.
  • To send educational content and offers, only where you have agreed. You can opt out at any time.
  • To improve the website and app, keep them secure and meet legal and regulatory requirements.

3. Who we share it with

We do not sell your personal data. We share it only as needed to provide the service you asked for, with:

  • Asset management companies (AMCs), registrars and transfer agents, KYC registration agencies and depositories for mutual fund investments.
  • Insurance companies and loan providers (banks and NBFCs) for the policy or loan you apply for.
  • Technology and communication service providers (for example hosting, email, SMS and WhatsApp services, and our app and software vendors) who work under confidentiality obligations.
  • Regulators, courts and government authorities when the law requires it.

4. Legal basis and consent

We process your data with your consent, to carry out the service you request, or to meet legal obligations. By submitting a form or contacting us you agree to this policy. You can withdraw consent at any time by contacting us; this will not affect work already done lawfully, and we may need to retain some records as the law requires.

5. Cookies

Our website uses cookies and similar technologies for essential functions, security and to understand how visitors use the site. You can block or delete cookies in your browser settings, though some features may not work properly.

6. Data security and retention

We use reasonable security safeguards, including access controls and encrypted connections (HTTPS), to protect your information. No system is completely secure, so please do not share OTPs, passwords or PINs with anyone, including us. We keep your information only as long as needed for the purpose it was collected, or as long as financial, tax and regulatory record-keeping rules require.

7. Your rights

  • Know what personal data we hold about you and how it is used.
  • Ask us to correct or update inaccurate or incomplete data.
  • Ask us to erase your data, subject to legal record-keeping requirements.
  • Withdraw consent or opt out of marketing messages.
  • Nominate a person to exercise your rights on your behalf.
  • Make a complaint about how your data is handled.

8. Children

Our services are meant for adults. We do not knowingly collect personal data of children under 18 without the verifiable consent of a parent or legal guardian. Investments for minors are made only through a guardian.

9. Third-party links

Our site links to websites such as AMFI, SEBI, AMCs and insurers. We are not responsible for their privacy practices, so please read their policies.

10. Changes to this policy

We may update this policy from time to time. The latest version, with its date, will always be available on this page.

11. Contact and grievances

For any privacy request or complaint, contact Binod Kumar Shukla, who also acts as grievance contact:

We aim to reply within a reasonable time and, where applicable, within the timelines set by law.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Binod Kumar Shukla is an AMFI Registered Mutual Fund Distributor (ARN-50844) and an IRDA-certified insurance agent.

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