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Privacy Policy – Nivesh Gullak

Last Updated: February 2026

This Privacy Policy explains how Nivesh Gullak (“we”, “our”, “us”) collects, uses, stores, and protects your personal information when you visit niveshgullak.com, interact with our services, or communicate with our team.

By accessing our website or using our services, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We collect information in the following ways:

A. Information You Provide Directly

When you use our website or contact us, you may share:

  • Name

  • Email address

  • Phone number

  • Financial goals or preferences

  • Basic KYC details (if voluntarily submitted)

  • Consultation form inputs

  • Feedback or queries

B. Automatically Collected Information

When you browse our website, we may automatically collect:

  • IP address

  • Device type and browser

  • Pages visited

  • Time spent on pages

  • Click behavior

  • Approximate location

  • Analytics data (via Google Analytics)

C. Financial Assessment Information

If you use tools such as:

  • Nivesh Gullak Score

  • Investment or planning questionnaires

  • Wealth assessment tools

We may collect data you voluntarily submit for generating personalized insights.

This data is never shared with any external entity without user consent.

D. Third-Party Data

If you interact with third-party platforms linked on our website (e.g., Motilal Oswal systems), the data collected there is subject to their privacy policies, not ours.

2. How We Use Your Information

We use your information to:

  • Provide investment guidance and financial planning

  • Respond to queries, calls, or WhatsApp messages

  • Generate the Nivesh Gullak Score

  • Share updates or important notices

  • Improve website performance

  • Analyze traffic to enhance user experience

  • Maintain security and prevent misuse

  • Send reminders, follow-ups, or service updates (optional)

We do not use your data for any unrelated or unauthorized purpose.

3. How We Protect Your Information

We use modern security methods to protect your data, including:

  • Encrypted storage systems

  • Secure server networks

  • Restricted internal access

  • Regular monitoring and security updates

However, no online platform can guarantee 100% security. You agree to share information at your own discretion.

4. Sharing of Information

We do not sell, rent, or trade your personal information.

We may share your data only in these circumstances:

A. With Your Consent

For example, if you choose to proceed with an investment process that requires a verified partner like Motilal Oswal, we share the minimum necessary information required to complete your request.

B. With Trusted Service Partners

Such as:

  • Email service providers

  • Hosting providers

  • Analytics tools

These partners are required to keep your information confidential.

C. Legal or Safety Requirements

We may disclose information if required to:

  • Comply with law

  • Respond to legal processes

  • Prevent fraud or misuse

  • Protect our rights and safety

5. Cookies & Tracking Technologies

We use cookies and analytical tools to:

  • Improve website performance

  • Understand user behavior

  • Personalize experience

  • Measure marketing effectiveness

You may disable cookies through your browser settings, but some website features may not function properly.

6. Your Rights

You have the following rights regarding your personal information:

  • Right to access — Request a copy of the data we hold

  • Right to correction — Update or correct inaccuracies

  • Right to deletion — Request removal of your data (where applicable)

  • Right to withdraw consent — Opt-out of communications

  • Right to restrict processing — Limit how your data is used

To request any of these, contact us at:
📩 niveshgullakindia@gmail.com

7. Links to Third-Party Websites

Our website may contain links to platforms such as:

  • Motilal Oswal

  • NSE-related tools

  • Insurance portals

  • External calculators

We are not responsible for how these websites handle your data.
Please review their privacy policies before using them.

8. Children’s Privacy

Our services are not intended for individuals under 18 years of age.
We do not knowingly collect data from minors.
If any such data is identified, it will be deleted promptly.

9. Data Retention

We retain your information only as long as required for:

  • Providing services

  • Legal compliance

  • Record maintenance

  • Customer support

Once no longer needed, the data is securely removed.

10. Updates to This Privacy Policy

We may update this policy periodically to reflect:

  • Service changes

  • Legal requirements

  • Updated security practices

Any changes will be posted on this page with a new “Last Updated” date.
Continued use of the website means you accept the updated policy.

11. Contact Information

If you have questions or concerns regarding this Privacy Policy, contact us at:

📞 (+91) 98734 19769
📩 niveshgullakindia@gmail.com
🌐 niveshgullak.com

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