Privacy Policy
How we collect, use, and protect your personal data.
1. Introduction
Inertia Wealth Advisers Pvt. Ltd., operating as Inertia (Equities4Wealth) ("we", "us", "our"), is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, share, and safeguard personal data when you visit our website equities4wealth.com or engage with our advisory services.
This policy is compliant with India's Digital Personal Data Protection Act, 2023 (DPDP Act) and the requirements of the SEBI (Investment Advisers) Regulations, 2013. Please read this policy carefully. If you disagree with its terms, please discontinue use of our website and services.
2. Personal Data We Collect
We collect personal data in the following categories:
| Category | Examples | Source |
|---|---|---|
| Identity Data | Full name, date of birth, PAN, Aadhaar (masked), passport details | You provide directly (KYC) |
| Contact Data | Email address, phone number, postal address | You provide directly |
| Financial Data | Income, net worth, existing investments, risk profile, bank details | You provide directly (advisory onboarding) |
| Transaction Data | Investment recommendations, portfolio history, fee payments | Generated during service delivery |
| Usage Data | IP address, browser type, pages visited, time on site | Automatically via cookies & analytics |
| Communication Data | Emails, call records, meeting notes | Generated during advisory communications |
We do not knowingly collect data from individuals under the age of 18. Our services are directed exclusively at adults.
3. How We Use Your Data
We process personal data only for the following lawful purposes:
- Service Delivery: To provide investment advisory, portfolio analysis, and financial planning services as agreed in your client agreement.
- Regulatory Compliance: To comply with SEBI requirements including KYC, record-keeping (minimum 5 years under IA Regulations), and mandatory disclosures.
- Risk Profiling: To assess your investment goals, risk tolerance, and suitability for specific investments.
- Communications: To send portfolio reviews, regulatory updates, fee invoices, and service-related communications.
- Insights & Newsletter: To send investment insights and articles — only if you have subscribed. You may unsubscribe at any time.
- Security & Fraud Prevention: To detect, prevent, and address technical issues, security breaches, or fraudulent activities.
- Legal Obligations: To respond to lawful requests by regulatory authorities (SEBI, Income Tax, etc.).
We do not use your data for automated decision-making or profiling unrelated to investment advisory.
4. Cookies & Tracking
Our website uses cookies and similar tracking technologies:
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential Cookies | Website functionality, security (CSRF), session management | Session / 1 year |
| Analytics Cookies | Understanding website usage via anonymised data (Google Analytics) | Up to 2 years |
| Preference Cookies | Storing cookie consent decision | 1 year |
You may decline non-essential cookies via our cookie consent banner. Essential cookies cannot be disabled as they are required for site security and functionality. You may also control cookies through your browser settings at any time.
We do not use advertising, retargeting, or third-party tracker cookies.
5. Third-Party Data Sharing
We do not sell, rent, or trade your personal data. We share data only in the following limited circumstances:
- Service Providers: Trusted vendors who help us operate (e.g., email systems, website hosting, document management). These providers process data only on our instructions and are bound by confidentiality obligations.
- Regulatory Bodies: SEBI, BSE, Income Tax Authorities, or other statutory bodies when required by law, court order, or regulatory mandate.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, data may be transferred — you will be notified in advance.
6. Data Retention
We retain personal data for as long as necessary to fulfil the purposes outlined in this policy, subject to regulatory minimum retention requirements:
- Client engagement records: Minimum 5 years after the end of client relationship (SEBI IA Regulations 2013, Reg. 19)
- KYC documents: As required under PMLA 2002 — typically 5 years
- Financial records & correspondence: 7 years (Income Tax Act requirements)
- Website analytics data: Up to 26 months (anonymised after 14 months)
- Newsletter subscribers: Until unsubscription + 30 days
After the retention period, data is securely deleted or anonymised.
7. Your Rights Under DPDP Act 2023
Under India's Digital Personal Data Protection Act 2023, you have the following rights regarding your personal data:
Right to Access
Request a copy of the personal data we hold about you and information on how it is processed.
Right to Correction
Request correction of inaccurate or incomplete personal data held by us.
Right to Erasure
Request deletion of your personal data, subject to our legal retention obligations under SEBI and tax laws.
Right to Withdraw Consent
Withdraw consent for processing where processing is based on consent (e.g., newsletter). Withdrawal does not affect prior lawful processing.
Right to Grievance
Lodge a complaint with our Data Protection Officer if you believe your rights have been violated.
Right to Nominate
Nominate an individual who may exercise your data rights on your behalf in case of your death or incapacity.
To exercise any of these rights, contact us at anshul.khare@equities4wealth.com. We will respond within 30 days. Some requests may be subject to verification of identity.
8. Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction:
- HTTPS encryption for all data transmitted to and from our website
- Password-protected, access-controlled systems for client records
- Restricted access to personal data on a need-to-know basis
- Regular review of data handling practices
No method of transmission over the internet or electronic storage is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security. Please report suspected security issues to anshul.khare@equities4wealth.com immediately.
9. Third-Party Websites
Our website may contain links to third-party websites (e.g., SEBI SCORES, SmartODR, AMFI). We are not responsible for the privacy practices or content of these external websites. We encourage you to review the privacy policies of any third-party sites you visit.
10. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or regulatory requirements. We will notify existing clients of material changes by email. The "Last Updated" date at the top of this page will always reflect the most recent revision.
Continued use of our website or services after updates constitutes acceptance of the revised policy.
11. Contact & Data Protection Officer
For all privacy-related queries, data requests, or complaints, contact us at:
Attn: Data Protection Officer
E4, 403 Rohan Mithila, New Airport Road, Viman Nagar, Pune — 411 014
Email: anshul.khare@equities4wealth.com
Phone: +91 98811 27924
If you are unsatisfied with our response, you may contact the Data Protection Board of India once it is operational under the DPDP Act 2023.