Privacy Policy

1. Applicability

This Privacy Policy applies to all visitors, users, clients, and subscribers (“you” or “user”) of our Website or services offered through it, including research reports, newsletters, subscriptions, Telegram messages/broadcasts, and other communication channels.

2. Information We Collect

We may collect the following categories of information:

(A) Personally Identifiable Information (PII)

• Full Name
• Email Address
• Phone Number
• Address (for KYC)
• PAN and other identification details
• Bank account details (for refund processing)

(B) Non-Personal Information

• IP address
• Browser type and version
• Device information
• Cookies and Usage Data
• Geographic location (approximate)

(C) KYC & Regulatory Compliance Data

We may collect data as mandated under SEBI norms, AML compliance, and for subscription-based services, including but not limited to PAN, Aadhaar, and proof of address.

3. Purpose of Collection and Use

We collect your information for the following purposes:

• To provide our research services and investment insights
• To verify your identity and comply with SEBI regulations
• To send you research reports, updates, and newsletters
• To contact you regarding your account, subscriptions, or queries
• To comply with legal, regulatory, and audit obligations
• To improve our services and user experience
• To conduct internal research and analytics (non-personalized)

4. Lawful Basis for Processing

We process your data on the following legal bases:

• Consent (obtained at the time of sign-up or KYC)
• Contractual necessity (to provide subscribed services)
• Legal and regulatory obligations (e.g., SEBI, IT Act compliance)
• Legitimate interests (fraud prevention, service improvement)

5. Data Sharing and Disclosure

We may share your information with:

• Government or regulatory bodies (e.g., SEBI, Income Tax authorities) upon lawful request
• Our legal, audit, and compliance partners
• Technology vendors (e.g., CRM, email, or cloud service providers) under strict confidentiality
• Payment processors (Razorpay, PayU, etc.) for transactions

6. Data Storage and Retention

• Your data is stored on secure servers located within India.
• We retain personal data as long as necessary to fulfill the purpose for which it was collected, or as required by law or SEBI guidelines (e.g., a minimum of 5 years).
• After the retention period, data is securely deleted or anonymized.

7. Data Security

We use industry-standard security measures, including:

• SSL encryption
• Firewalls and access restrictions
• Secure storage and data access protocols
• Regular audits and vulnerability assessments

However, no system is fully immune from breach. In case of a data breach, we will notify affected users and the relevant authority as required under law.

8. User Rights

Subject to applicable law, you may have the right to:

• Access your personal data
• Correct or update incorrect or incomplete data
• Withdraw consent (may affect services)
• Request data deletion (as per regulatory limits)
• Lodge a complaint with a regulatory authority (e.g., CERT-IN, SEBI)

To exercise your rights, please contact us at support@raistocks.com.

9. Cookies and Tracking

We use cookies and similar technologies for:

• Website functionality
• User session management
• Analytics (e.g., Google Analytics)
• Preference storage

You can manage cookies through your browser settings. Blocking cookies may affect the website’s functionality.

10. Third-Party Links

Our website may contain links to third-party sites (e.g., payment gateways, social media). We are not responsible for the privacy practices or content of those sites.

11. Children’s Privacy

Our services are not intended for use by minors (under age 18). We do not knowingly collect information from children. If we discover such data, it will be deleted immediately.

12. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time. The latest version will always be available on our Website with the effective date. Continued use of our services implies consent to the updated policy.

13. Grievance Redressal / Contact Us

If you have any questions, complaints, or grievances related to your privacy or this policy, please contact us:

• Name: Nikhil Kumar Sahu
• Designation: Grievance Officer
• Email: support@raistocks.com
• Phone: 9630135233
• Address: H. No. 236, Ward no. 12, Palaud, Naya Raipur, Raipur, Chhattisgarh. PIN 492101

14. SEBI Disclosures

As a SEBI-Registered Research Analyst:

• We maintain records of client interactions and research reports as per Regulation 25 of SEBI (Research Analyst) Regulations, 2014.
• We comply with all obligations related to privacy, record keeping, and disclosures as outlined under SEBI circulars and directives.
• We ensure that all data processing activities are conducted in accordance with SEBI and Indian legal standards.