Privacy policy:

Our website address is: https://finroot.co.in.

At FinRoot Innovations Pvt. Ltd., we are committed to protecting the privacy and security of your personal information. This privacy policy outlines how we collect, use, and protect your personal data when you use our website or products or our services.

Information Collection and Use:

We may collect only the necessary personal information, such as your name, email address, contact number, and other relevant details when you interact with our products, platform and services or subscribe to our newsletters. We use this information to communicate with you, provide our services, and improve our offerings.

Data Sharing:

We do NOT share or transfer your personal information to third parties without your consent, except as required by law or to fulfill our services to you. We may share your information with trusted third-party service providers who assist us in operating our website or delivering our services, with your consent, subject to strict confidentiality obligations.

Data Security:

We implement robust security measures to protect your personal information from unauthorized access, loss, or misuse. These measures include end-to-end encryption, firewalls, and regular security audits. While we strive to give you the best possible security, please note that no method of data transmission over the internet or electronic storage is fully secure, and we cannot guarantee absolute security.

Cookies:

We may use cookies and similar technologies to enhance your browsing experience, analyze website usage, and provide personalized content. You can manage your cookie preferences through your browser settings.

Third-Party Links:

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

Data Retention:

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, unless required by law to retain it for a longer period.

Your Rights:

You have the right to access, modify, or delete your personal information, and to withdraw your consent at any time. You can also opt out of receiving marketing communications from us. To exercise these rights or for any questions or concerns about our privacy practices, please contact us using the information provided below.

Updates to Privacy Policy:

We may update our privacy policy from time to time to reflect changes in our business practices or legal requirements. We will notify you of any material changes and obtain your consent if required by law.

Contact Us:

If you have any questions or concerns about our privacy policy, please contact us at contact@finroot.co.in 

By using our website or services, you agree to the terms of this privacy policy.

Grievance redressal policy

Objective:

The objective of this policy is to establish a transparent and efficient grievance redressal mechanism to resolve the grievances of the customers of our retirement advisory services in a timely manner.

Applicability:

This policy applies to all customers of our retirement advisory services.

Definition:

1. “Grievance” means any complaint, dissatisfaction or grievance expressed by a customer in relation to our retirement advisory services.

Grievance Redressal Officer (GRO):

1. The company shall appoint a Grievance Redressal Officer (GRO) who shall be responsible for the resolution of grievances received from customers. The contact details of the GRO shall be prominently displayed on the company website, and other communication channels.
2. The GRO shall receive and acknowledge all grievances received from customers within 3 working days of receipt.
3. The GRO shall ensure that all grievances are resolved within 15 working days from the date of receipt of the grievance. In case the grievance cannot be resolved within the stipulated time frame, the customer shall be informed about the reasons for the delay and the expected time frame for resolution. The issue is escalated to the CGRO level, if the issue is not resolved within 2 weeks. The CGRO has to make sure, the issue is resolved within the next 15 working days, to be compliant with the regulation of resolving issues with 30 working days

Grievance Redressal Mechanism:

1. Customers can raise their grievances to the GRO through any of the following channels:
2. Email to the GRO email ID: grievance@finroot.co.in
3. Raise a request through our website or app
4. The GRO shall acknowledge the grievance within 2 working days of receipt of the grievance and shall provide a unique reference number for future reference.
5. The GRO shall investigate the grievance and take necessary action to resolve the same within 30 working days from the date of receipt of the grievance.
6. In case the customer is not satisfied with the resolution provided by the GRO, the customer may escalate the matter to the CGRO of the company by writing an email to cgro@finroot.co.in within 15 days of the receipt of the resolution provided by the GRO.
7. The CGRO shall investigate the matter and provide the resolution within 15 working days from the receipt of the complaint.
8. If the customer is still not satisfied with the resolution provided by the CGRO, the customer may escalate the matter to PFRDA Grievance Redressal Mechanism.

Reporting:

1. The GRO shall submit a quarterly report to the CGRO on the status of grievances received, and resolved by the GRO.
2. The CGRO shall submit an annual report to PFRDA on the status of grievances received and resolved by the company.

Review & Compliance:

1. This policy shall be reviewed periodically and updated as and when necessary by the Chief Grievance Policy officer.
2. Any changes to this policy shall be communicated to customers through the company website, and other communication channels.

Compliance policy

FinRoot Innovations Pvt Ltd.  is committed to providing Retirement Advisory Services & our other financial services in compliance with all applicable laws, regulations, and guidelines, including those issued by the Pension Fund Regulatory and Development Authority (PFRDA). This Compliance Policy outlines our commitment to maintaining the highest standards of ethics, integrity, and legal compliance in all our Retirement Advisory operations.

Compliance with PFRDA Guidelines:

We are dedicated to complying with all applicable guidelines issued by PFRDA for Retirement Advisory Services, including but not limited to the PFRDA (Retirement Advisers) Regulations, 2016, and subsequent amendments. We ensure that all our operations, processes, and interactions with customers are in line with the guidelines and requirements of PFRDA.

Ethical Conduct:

We uphold the highest standards of ethical conduct in all our Retirement Advisory activities. This includes maintaining confidentiality of customer information, avoiding conflicts of interest, providing accurate and transparent information to customers, and acting in the best interests of our customers at all times.

Risk Management:

We identify, assess, and manage risks associated with our Retirement Advisory Services and take appropriate measures to mitigate them. This includes regular risk assessments, internal controls, and compliance monitoring to ensure that our operations are conducted in a compliant and responsible manner.

Customer Protection and Education:

We prioritize customer protection and education in all our Retirement Advisory Services and other financial products & services. We provide accurate and unbiased information to our customers to help them make informed decisions about their retirement planning. We ensure that our customers understand the risks, costs, and benefits of the products or services recommended to them.

Training and Awareness:

We provide regular training and resources to our employees and Retirement Advisers to ensure that they are aware of their compliance obligations and can conduct their activities in compliance with PFRDA guidelines and other applicable laws and regulations. We also provide ongoing training and education to our customers to improve their understanding of retirement planning and investment concepts.

Compliance Monitoring and Reporting:

We conduct regular monitoring and reporting of our Retirement Advisory operations to ensure compliance with PFRDA guidelines and other applicable laws and regulations. We maintain appropriate records and documentation as required by PFRDA and other regulatory authorities.

Complaint Handling and Resolution:

We have a robust process for handling and resolving customer complaints in a timely and effective manner. We ensure that all complaints received are acknowledged, investigated, and resolved in accordance with applicable laws, regulations, and company policies. We maintain a system for recording and reporting customer complaints to PFRDA as required.

Compliance officer contact details:

If you have any questions or concerns about our Compliance Policy, please contact our compliance officer at compliance@finroot.co.in 

T&Cs:

Welcome to FinRoot Innovations Pvt. Ltd., a fintech company that provides various products and services related to personal finance, retirement planning & business finance. By accessing and using our website, you agree to be bound by the following Terms and Conditions (“T&C”). as well as any additional terms, policies, or guidelines that we may provide in the future. Please read these T&C carefully before using our website or app.

User Agreement:

By using our website or app, you represent and warrant that you are of legal age to form a binding contract, and you agree to comply with these T&Cs and all applicable Indian and international laws and regulations. If you do not agree to these T&C, you may not use our website or app. You agree to provide accurate, complete, and up-to-date information in your profile, other details and throughout your use of the website or app.

Account Registration:

To use certain features of our website or app, you may need to create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account information, login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use or breach of security of your account.

Privacy and Data Security:

We take privacy and data security seriously. By using our website or app, you acknowledge and agree to our Privacy Policy, which outlines the collection, use, and protection of your personal information. We implement industry-standard security measures to protect your data; however, you acknowledge that no method of transmission over the internet or electronic storage is completely secure.

Financial Information and Retirement Advisory Services:

Our website or app allows you to input, store, and track your financial information, including but not limited to financial investments, retirement goals, personal and family member details, and any other financial and personal data. The website or app also provides few general financial guidance or assistance including recommendations and guidance based on the financial information provided by you. Please note that these guidance or assistance are for informational purposes only and do not constitute personalized financial advice.

Financial Products and Services:

In the future, we may offer additional financial products and services through our app or website. Any such offerings will be subject to separate terms and conditions, and you may be required to provide additional information and consent to additional agreements. Once we get the Retirement advisery license, we may provide retirement advisery services to customers. Please note that these services are not a guarantee of any particular outcome, and that your actual retirement results may differ from the projections provided by the website or app.

User Responsibilities:

You are solely responsible for the accuracy, completeness, and legality of the financial information provided by you in our website or app. You acknowledge that any investment decisions or actions taken based on the retirement advisory services or other features of our app or website are at your own risk and the final decision rests on you. You agree to use our app or website in compliance with all applicable Indian and international laws and regulations, and you will not use our app or website for any illegal, fraudulent, or unauthorized purposes. You may not engage in any activity that interferes with or disrupts the website or app or our servers.

Intellectual Property:

All content, logos, trademarks, and other intellectual property displayed on our apps or websites, are owned by FinRoot Innovations Pvt. Ltd. and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You are prohibited from copying, modifying, reproducing, distributing, displaying transmitting or using any of our intellectual property without our prior written consent.

Termination:

We reserve the right to terminate or suspend your access to our app or website at any time and for any reason, without liability or notice. You may also terminate your account by contacting us. Upon termination, your access to our app or website and any data or information stored in your account may be deleted, and we shall have no further obligation or liability to you.

Limitation of Liability:

In no event shall FinRoot Innovations Pvt. Ltd. or its affiliates, officers, directors, employees, agents, advisors or licensors be liable for any damages, losses, or liabilities arising out of or related to your use of our app or the content or services provided through our app, including but not limited to direct, indirect, incidental, special, consequential or punitive damages. The company’s websites or apps are provided “as is” and without any warranty of any kind, whether express or implied. We do not warrant that the website or app will be uninterrupted, error-free, or completely secure.

Amendments:

We may update these Terms and Conditions at any time without notice to you. As an end user, you are expected to look at the T&Cs periodically. Your continued use of the FinRoot app following any such changes constitutes your acceptance of the revised Terms and Conditions.

If you have any questions or concerns regarding these Terms and Conditions, please contact us