1Information We Collect

We collect various types of information to provide and improve our financial planning services. The categories of information we collect include:

Personal Identification Information

• Full name, email address, and mobile number
• Gender, date of birth / age, and marital status
• City / location of residence

Financial Information

• Annual income (self, spouse, and other sources)
• Existing loans — home loan, personal loans, and other liabilities
• Financial assets and real estate assets
• Annual household expenses and retirement investment details
• Home ownership status, home size, and home purchase age

Family & Dependent Information

• Spouse details: age, occupation, income, and dependency status
• Parent details: age, dependency status (father/mother)
• Children: number of dependants and their ages

Financial Goals

• Goals for home purchase, children's education, marriage, and vacations
• Target amounts, current savings toward each goal, and target years

Technical Information

• IP address, browser type, and device information
• Session data and usage patterns on our platform

2How We Use Your Information

The information we collect is used exclusively to deliver personalised financial planning services. Specifically, we use your data to:

• Generate personalised insurance and investment recommendations tailored to your financial profile
• Calculate retirement corpus, emergency fund, and goal-based savings plans
• Produce your financial report, including insurance coverage recommendations and asset allocation guidance
• Process payments securely for report access
• Communicate important updates, service notifications, and support responses
• Improve our algorithms, models, and user experience over time
• Comply with applicable legal and regulatory obligations

3Sharing of Information

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

Service Providers

We work with trusted third-party service providers who assist in operating our platform — including payment processors (Razorpay), financial planning engine partners, cloud hosting providers, and analytics services. These parties are contractually obligated to protect your data and use it only for the purpose of delivering services on our behalf.

Legal Requirements

We may disclose your information if required to do so by applicable law, court order, or governmental authority, or where we believe disclosure is necessary to protect our legal rights or the safety of our users.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our assets, your personal data may be transferred to the acquiring entity. You will be notified of any such change and your rights under this policy will continue to apply.

With Your Consent

We may share your information with IFA partners or advisors, only with your explicit prior consent, to assist with further financial planning or advisory services.

4Data Security

We take the security of your financial and personal data seriously and implement industry-standard safeguards, including:

• Encryption in transit: All data exchanged between your device and our servers is encrypted using TLS/SSL protocols.
• Secure storage: Sensitive data is stored in encrypted databases with restricted access controls.
• Payment security: All payment transactions are processed through Razorpay, a PCI-DSS compliant payment gateway. We do not store card details on our servers.
• Access control: Only authorised personnel have access to user data, and such access is strictly limited to what is necessary for service delivery.
• Regular audits: We periodically review and update our security practices to address emerging threats.

While we take every reasonable precaution, no method of data transmission or electronic storage is entirely secure. We cannot guarantee the absolute security of your data and encourage you to keep your account credentials confidential.

5Data Retention

We retain your personal and financial information for as long as is necessary to provide our services and comply with legal obligations:

• Active users: Data is retained for the duration of your engagement with our platform and for a reasonable period thereafter to allow you to access your reports.
• Payment records: Transaction records may be retained for up to 7 years in accordance with financial record-keeping requirements under Indian law.
• Deletion requests: Upon a verified written request, we will delete your personal data within 30 days, subject to any overriding legal obligations to retain it.

Anonymised, aggregated data that cannot be used to identify you may be retained indefinitely for research and service improvement purposes.

6Your Rights

Under applicable Indian data protection law and our commitment to transparency, you have the following rights regarding your personal data:

• Right to Access: You may request a copy of the personal data we hold about you.
• Right to Correction: You may request correction of any inaccurate or incomplete data.
• Right to Deletion: You may request deletion of your personal data, subject to legal retention requirements.
• Right to Withdraw Consent: Where processing is based on consent, you may withdraw it at any time. This will not affect the lawfulness of prior processing.
• Right to Data Portability: You may request your data in a structured, machine-readable format.
• Right to Object: You may object to processing of your data for specific purposes, including profiling.

To exercise any of these rights, please contact us at the address provided in the Contact section below. We will respond to verified requests within 30 days.

7Cookies & Tracking

Our platform uses cookies and similar tracking technologies to enhance your experience:

Essential Cookies

These are required for the platform to function correctly, including maintaining your session state, remembering form progress, and securing transactions. They cannot be disabled without affecting platform functionality.

Analytics Cookies

We may use anonymised analytics to understand how users interact with our platform. This helps us identify areas for improvement. No personally identifiable information is shared with analytics providers.

Managing Cookies

You can control cookie settings through your browser. Disabling certain cookies may affect the functionality of our platform. For more information, refer to your browser's help documentation.

8Third-Party Services

Our platform integrates with trusted third-party services to deliver financial planning functionality:

• Financial Planning Engine: Your anonymised financial data is processed by a third-party engine to generate recommendations. This partner is bound by strict data processing agreements.
• Razorpay: All payment processing is handled by Razorpay, which has its own Privacy Policy and PCI-DSS compliance framework.
• Google Fonts & CDN: We use Google Fonts for typography, which may involve the transfer of your IP address to Google's servers.

We are not responsible for the privacy practices of third-party services and encourage you to review their respective policies.

9Children's Privacy

Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal information from anyone under the age of 18. If you believe we have inadvertently collected data from a minor, please contact us immediately and we will take prompt steps to delete such information.

10Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify registered users via email where appropriate
• Display a prominent notice on our platform for significant changes

Your continued use of our platform following the posting of changes constitutes your acceptance of those changes. We encourage you to review this policy periodically.

11Disclaimer

The financial recommendations and reports generated by An Indigo Eye are based on the data provided by the user and are produced using third-party financial planning engine tools. While we strive to provide accurate and unbiased information:

• Recommendations are not a substitute for professional financial advice from a SEBI-registered investment advisor or certified financial planner.
• An Indigo Eye does not guarantee any specific financial outcome. Results depend on multiple external factors beyond our control.
• Users are advised to exercise their own judgment and consult qualified professionals before making any investment, insurance, or financial decisions.
• An Indigo Eye, its directors, employees, and partners shall not be held liable for any losses arising from the use of information provided on this platform.

12Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please reach out to our Privacy Officer: