Privacy Policy

This website, www.vnmfinance.com, is operated by V. Narsimha Murthy, an individual AMFI-registered Mutual Fund Distributor (ARN: 321822).

The website provides information about mutual fund distribution, insurance services, real estate enquiries and related topics. The website name and logo, VNM Finance, are used for website identification and presentation.

This Privacy Policy explains how personal information may be collected, used, stored and protected when you visit this website, submit an enquiry or contact me through the communication channels provided.

I aim to handle personal information responsibly and in accordance with applicable Indian data-protection laws.

2. Personal Information Collected

Depending on how you interact with this website, the following information may be collected.

Information you provide

• Name and contact details submitted through the website contact form.

• Email address and telephone number.

• Details you voluntarily provide in enquiries about mutual funds, insurance, real estate or related services.

• Information you provide when contacting me through email, telephone or WhatsApp.

Technical information

The website hosting provider or enabled website tools may collect technical information such as IP address, browser type, device information, pages visited and website usage data. Cookies or similar technologies may also be used, depending on the website's configuration.

Only information reasonably necessary for the relevant purpose should be collected.

3. How Information Is Used

Personal information may be used to:

• Respond to enquiries and requests for information.

• Contact you about services you have asked about.

• Provide relevant information about mutual fund distribution, insurance or real estate opportunities.

• Arrange follow-up communication where requested or otherwise lawfully permitted.

• Maintain and improve the website.

• Protect the website against spam, fraud, misuse and unauthorised access.

• Maintain necessary records and comply with applicable legal or regulatory obligations.

Personal information will not be used for unrelated purposes without an appropriate lawful basis.

4. Mutual Fund Distribution and Other Enquiries

I am an individual AMFI-registered Mutual Fund Distributor under ARN 321822. Mutual fund distribution is separate from enquiries relating to insurance and real estate.

If you submit an enquiry about a particular service, the information you provide may be used to respond to your request. Where necessary and lawful, relevant information may be shared with the appropriate insurer, mutual fund company, service provider or authorised business partner to address your enquiry.

Submitting an enquiry does not automatically create an investment, insurance or real estate agreement.

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

5. Sharing of Personal Information

Personal information is not sold to third parties.

Information may be shared where reasonably necessary and lawful with:

• Website hosting and technical service providers.

• Email and communication service providers.

• Relevant insurers, mutual fund companies or other service providers when required to respond to your request.

• Professional advisers where necessary.

• Government authorities, regulators or law-enforcement agencies where required by law.

Information shared with service providers should be limited to what is necessary for the relevant purpose.

6. Cookies and Website Technologies

The website or its service providers may use cookies and similar technologies for website functionality, security, traffic analysis and user experience improvements.

The technologies used depend on the website's actual configuration. You may manage cookies through your browser settings, although disabling certain cookies may affect website functionality.

Where consent is required by applicable law, the appropriate consent will be obtained.

7. Data Retention

Personal information will be retained only for as long as reasonably necessary for the purpose for which it was collected, including responding to enquiries, maintaining relevant records, resolving disputes and meeting applicable legal or regulatory requirements.

When information is no longer required, reasonable steps will be taken to delete it or dispose of it securely, subject to applicable retention obligations.

8. Information Security

Reasonable technical and organisational measures will be used to protect personal information against unauthorised access, disclosure, alteration, loss or misuse.

However, no electronic transmission or storage system can be guaranteed to be completely secure. Please avoid submitting passwords, payment-card details or sensitive identity documents through ordinary website enquiry forms.

9. Privacy Rights and Requests

Subject to applicable law, you may have rights relating to your personal information, including requesting access, correction or deletion where applicable, withdrawing consent where processing is based on consent, and raising privacy-related grievances.

To make a request, use the contact details provided below. Additional information may be requested to verify your identity before processing a request.

Certain information may need to be retained to comply with legal or regulatory obligations.

10. Third-Party Websites

This website may contain links to third-party websites, platforms or services. Those third parties may have their own privacy policies and data-handling practices.

I do not control the privacy practices of websites that I do not operate. Please review their policies before sharing personal information with them.

11. Children's Privacy

This website is intended for a general audience and is not designed to collect children's personal information in circumstances that violate applicable law.

Where applicable, the consent and safeguards required under Indian data-protection laws will be followed.

12. Changes to This Policy

This Privacy Policy may be updated when website features, information-handling practices or applicable legal requirements change.

Any revised version will be published on this page with an updated revision date.

13. Contact Information

For questions about this Privacy Policy or requests relating to personal information, please contact:

Name: V. Narsimha Murthy
Professional designation: AMFI-registered Mutual Fund Distributor
ARN: 321822
Website: https://www.vnmfinance.com/
Email: narsimha.vn@gmail.com
Phone: 9951049888
Address: Plot No. 86, Prasanthi Hills, Khajaguda, Hyderabad-89, Telangana, India.

Please use the subject line “Privacy Request” for privacy-related enquiries.