PRIVACY POLICY

NRI Global Hub (“we”, “us”, “our”), accessible at nriglobalhub.com, is committed to protecting the privacy and confidentiality of your personal information. This Privacy Policy describes how we collect, use, store, share, and protect the personal data you provide to us.

By accessing this Website or providing your information to us, you consent to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Identity & Contact Information

Full name, date of birth, gender, marital status, email address, mobile/phone numbers (Indian and international), residential address (current and permanent, in India and abroad), nationality and country of residence.

1.2 KYC & Regulatory Documentation

PAN Card copy or Declaration in lieu of PAN, Passport copy, OCI Card / PIO Card copy, Aadhaar Card (masked), Voter ID, Driving Licence, address proof documents, passport-size photographs, FATCA/CRS self-certification declarations, Tax Residency Certificate (TRC) and Form 10F (where applicable).

1.3 Financial Information

Bank account details (NRE/NRO/FCNR) solely for mandate setup and transaction facilitation. Income proof documents solely as required by insurance companies or AMCs. Existing investment or insurance portfolio details solely for assessing your facilitation requirements.

1.4 Communication Records

Emails, messages, and correspondence exchanged between you and NRI Global Hub. Call recordings (you will be informed at the start of the call).

1.5 Website Usage Data

IP address, browser type, operating system, pages visited, time spent, referral URLs, cookies and similar tracking technologies.

2. How We Use Your Information

We use your personal information strictly for: (a) processing and coordinating your mutual fund and insurance applications; (b) facilitating NRE/NRO/FCNR bank account documentation; (c) completing KYC verification, FATCA/CRS declarations, and other regulatory requirements; (d) responding to your enquiries, requests, or complaints; (e) sending you service status updates and, with your consent, educational content; (f) complying with applicable Indian laws and regulatory directives; (g) improving our Website and services.

3. Strict No-Sale & No-Promotional-Sharing Policy

Your trust is our highest priority. NRI Global Hub will NEVER sell, rent, trade, lease, or share your personal information — including your phone number, email address, KYC documents, financial details, or any other personal data — with any third party for marketing, advertising, promotional, or commercial purposes.

We will never provide your contact details to telemarketers, advertisers, data brokers, lead-generation companies, or any entity seeking to solicit you for products or services unrelated to the specific service you have requested from us.

4. With Whom We Share Your Information

We share your personal data only with the following recipients, and only to the extent necessary to execute your requested services:

(a) Wealthy.in — our partnered SEBI-registered transaction platform, to process mutual fund transactions.

(b) Asset Management Companies (AMCs), Insurance Companies (IRDAI-registered), Banks (RBI-regulated), and Registrars & Transfer Agents (CAMS, KFintech) — to process your applications.

(c) Indian statutory bodies (SEBI, AMFI, IRDAI, RBI, Income Tax Department), courts, and law enforcement — when mandated by law.

(d) Trusted service providers for operational functions (cloud storage, email delivery, website hosting) — contractually bound to confidentiality.

5. Data Storage, Security & Cross-Border Transfer

Your personal data is stored on secure servers. Given the cross-border nature of our services, your information may be transmitted and stored across international borders, including in India and such other jurisdictions where our infrastructure operates.

We implement industry-standard security measures including encryption of data in transit (SSL/TLS) and at rest, access controls, and regular security reviews. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes described herein, and thereafter as required by applicable Indian laws. KYC records: minimum five (5) years after termination of business relationship. Transaction records: minimum eight (8) years. Communication records: as long as reasonably necessary for service quality and dispute resolution.

7. Cookies & Tracking Technologies

This Website may use cookies and similar tracking technologies for essential functionality, usage analysis, and preference management. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain website functionality.

8. Your Rights

Subject to applicable laws, you have the right to access, correct, delete, withdraw consent, and opt out of marketing communications regarding your personal data. Contact us at [insert email address] to exercise these rights. We will respond within thirty (30) days.

9. Children’s Privacy

This Website is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors.

10. Governing Law

This Privacy Policy is governed exclusively by the laws of the Republic of India, including the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

11. Grievance Officer

In accordance with the Information Technology Act, 2000:

Grievance Officer: NRI Global Hub

Email: info@nriglobalhub.com

Response time: Acknowledgement within 2 business days.