Privacy Policy

1.Who we are

MiintFiino Financial Services is a proprietorship operated by Dhiraj Ashok Bhole. This Privacy Policy explains how we handle personal information received through this Website and related enquiries.

Additional information needed for an investment transaction, tax filing or other engagement may be covered by a separate collection notice, authorisation or service agreement.

2.Information we collect

When you submit an enquiry or contact us, we may receive: your name, telephone number and email address; the service you are interested in; your message and information you voluntarily provide; and correspondence and records of our responses.

Our hosting and form-service providers may process technical information such as IP addresses, browser details, access times and security logs to operate and protect the Website.

The public enquiry form is not intended to collect PAN, Aadhaar, bank account details, payment-card information, financial documents, passwords or one-time passwords. Please do not include these in your message.

If documents are needed for an agreed service, we will explain the purpose and appropriate submission method separately.

3.How we use information

We use information for relevant purposes, including: responding to your enquiry and arranging discussions; understanding the service you requested; preparing quotations and explaining service requirements; maintaining correspondence and providing agreed assistance; protecting the Website against spam, misuse and security incidents; meeting applicable legal, regulatory and recordkeeping obligations; and handling complaints and establishing or defending legal claims.

We do not treat an enquiry as permission to use your information for unrelated purposes.

4.Your choices and communications

Providing enquiry information is voluntary. If you do not provide the contact details needed to respond, we may be unable to handle your request.

We may contact you through the method you select or provide in connection with your enquiry. Promotional messages and newsletter subscriptions require a separate choice or another lawful basis where permitted.

Submitting an enquiry or browsing the Website does not automatically subscribe you to marketing communications.

You may withdraw marketing consent or request that we stop optional communications by emailing [email protected]. This does not prevent necessary communications about an ongoing engagement or legal obligation.

5.Cookies and website technology

MiintFiino does not intentionally operate advertising pixels or third-party visitor analytics on this Website.

The hosting platform and form tools may use cookies or similar technology necessary for website operation, security and form functionality. This does not mean the Website is entirely cookie-free.

You can manage cookies through your browser settings, although disabling necessary technology may affect functionality.

If we introduce optional analytics or advertising technology, we will update the relevant notice and provide any consent controls required by applicable law before using it.

6.When information may be shared

We may share information, limited to what is reasonably necessary, with: hosting, form, email and technology providers supporting our operations; authorised personnel or service providers assisting with your enquiry or agreed engagement, subject to appropriate confidentiality obligations; professional advisers where necessary; and authorities, regulators or other recipients where disclosure is legally required or permitted.

For an agreed investment, tax or compliance service, information may need to be provided to the relevant platform, institution or government portal. We will explain the intended use and obtain the required authorisation or consent.

We do not sell or rent personal information or provide enquiry details to third parties for their unrelated marketing.

An enquiry alone does not authorise us to submit an investment application, open an account or file a return on your behalf.

7.External websites and providers

The Website contains links to independent services, including NJ E-Wealth, LinkedIn, Substack and Google Maps.

When you follow an external link, information you provide directly to that service is governed by its privacy policy and terms. Merely linking to a service does not mean MiintFiino controls its data practices.

Information received by MiintFiino through an authorised distribution or service relationship remains subject to our applicable privacy obligations.

8.Storage and retention

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected.

Closed enquiries are reviewed periodically, and information no longer needed is deleted or anonymised, unless continued retention is required for an ongoing engagement, applicable law, regulatory recordkeeping or a legitimate dispute.

Client engagement and transaction records may have different retention requirements from general website enquiries. Access to retained information is restricted to authorised persons.

Our technology providers may process information in India or other countries. Any transfer must meet applicable legal requirements, including required safeguards and authorisation. We do not represent that all provider systems are located in India.

9.Security

We take reasonable technical and organisational measures appropriate to the information we handle, including restricting access, protecting business accounts and using suitable channels for document exchange.

No internet transmission or storage system can be guaranteed completely secure. This does not reduce our responsibility to apply reasonable safeguards or comply with applicable incident-reporting obligations.

If you suspect misuse of your information, contact us promptly.

10.Access, correction and other requests

You may contact us to: request information about personal information you supplied and how it is used; review or correct inaccurate information; withdraw consent for consent-based processing; request deletion of information no longer required; or raise a privacy complaint.

Requests are subject to applicable law and legitimate recordkeeping requirements. We may seek proportionate information to verify your identity.

Withdrawal or deletion may prevent us from continuing a service that requires the information. We will explain any relevant restriction.

11.Children's information

The public enquiry facility is intended for adults and authorised representatives.

For services involving a minor, a parent or lawful guardian should contact us. We do not knowingly seek personal information directly from children through the public enquiry form without appropriate guardian involvement.

12.Privacy contact and grievances

Privacy and Grievance Contact: Dhiraj Ashok Bhole. Email: [email protected]. Telephone: +91 7303333030. Postal address: C-102, Pinakin CHS, Pt. Dindayal Cross Road, Near Rana Pratap Bhavan, Dombivli West, District Thane, Maharashtra – 421202.

Please use the subject line Privacy Request or Privacy Grievance and describe your concern without including unnecessary sensitive information.

We will address privacy grievances expeditiously and within one month of receipt, or within a shorter period where applicable law requires. Your right to approach a competent authority remains unaffected.

13.Changes to this Policy

We may update this Policy when our services, technology or legal obligations change. The revised version will display an updated date.

An update does not itself authorise a materially different use of previously collected information where fresh notice or consent is required.