Privacy Policy

SampadaSarathi is a sole-proprietorship financial advisory practice based in Gurgaon, India, registered under Udyam (URN: UDYAM-HR-05-0199466). We provide mutual fund distribution, insurance advisory, and financial planning services to individuals and NRIs.

You can reach us at sampadasarathi@gmail.com or via WhatsApp at 97114 41748.

We collect the following categories of information:

• Information you provide directly: your name, phone number, WhatsApp number, and email address when you fill out a lead capture form, book a consultation, use our goal calculator, take our risk assessment, or message us on WhatsApp or email.
• Financial information you choose to share: if you proceed to become a client, information such as your income range, existing investments, financial goals, and risk tolerance, collected as part of standard onboarding and required by SEBI and IRDAI regulations for suitability assessment.
• Automatically collected information: pages visited, time on site, device and browser type, approximate location, and referring source, collected through Google Analytics (GA4) and standard web server logs.
• Calculator and tool inputs: figures you enter into our FIRE calculator, retirement planner, or risk assessment tool. These are processed to generate your results and are not independently verified.

• To respond to enquiries and schedule consultations
• To provide financial planning, mutual fund distribution, and insurance advisory services if you become a client
• To send you requested materials such as worksheets, plan comparisons, or the FIRE number guide
• To meet regulatory record-keeping and suitability obligations under SEBI, AMFI, and IRDAI guidelines
• To understand how visitors use our website and improve its content and usability
• To send occasional updates such as our weekly market outlook, only where you have opted in via WhatsApp broadcast or a similar explicit channel

We do not use your information to make automated financial decisions on your behalf without your explicit instruction, and we do not sell your personal information to third parties for their own marketing purposes.

We share information only in the following circumstances:

• Platform partners: if you invest through us, your information is shared with NJ India Invest (NJ Wealth), the platform through which mutual fund transactions are executed, and with NJ Insurance Brokers Private Limited for insurance policies, as required to process your transactions.
• Service providers: analytics providers (Google Analytics), website hosting (Netlify), and communication tools (WhatsApp Business), each of which processes data under its own privacy terms.
• Regulators and legal requirements: SEBI, AMFI, IRDAI, or other authorities, where required by law, regulation, or a valid legal process.
• With your consent: any other sharing not described here will only happen with your explicit permission.

We do not share your financial or personal information with unrelated third-party advertisers.

This site uses Google Analytics (GA4) to understand aggregate visitor behaviour, such as which articles are read and how visitors navigate the site. This involves cookies and similar technologies that collect non-identifying usage data. You can disable cookies through your browser settings, though some site features, such as the calculator, may not function correctly without them.

If we introduce advertising on select content in the future, this section will be updated to disclose any additional cookies or tracking used by advertising partners, and we will not place ads on pages where you are actively sharing financial or personal information, such as our contact and consultation booking pages.

We take reasonable technical and organisational measures to protect your information, including secure hosting and restricted access to client records. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

We retain personal information for as long as necessary to provide our services, meet regulatory record-keeping requirements under SEBI, AMFI, and IRDAI (which may require retention for several years after the end of a client relationship), and resolve any disputes. Enquiry information from visitors who do not become clients is retained for a reasonable period to allow follow-up, after which it may be deleted or anonymised.

• You may request a copy of the personal information we hold about you
• You may request correction of inaccurate information
• You may withdraw consent for WhatsApp broadcasts or marketing communications at any time by messaging us directly
• You may request deletion of your information, subject to our regulatory record-keeping obligations as a SEBI and IRDAI regulated entity

To exercise any of these rights, contact us at sampadasarathi@gmail.com.

Our services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from minors. If you believe a minor has provided us information, please contact us and we will delete it.

Our website may link to third-party sites, including NJ Wealth's investment platform and various informational sources. We are not responsible for the privacy practices of these external sites, and we encourage you to review their privacy policies separately.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this page indicates when this policy was last revised. Material changes will be reflected on this page.

If you have concerns about how your information is handled, please first contact us directly at sampadasarathi@gmail.com. As a SEBI-regulated Mutual Fund Distributor and IRDAI-licensed POSP, unresolved grievances relating to our advisory or distribution services may also be escalated through AMFI or SEBI SCORES (SEBI Complaints Redress System) for mutual fund related matters, or through IRDAI's grievance channels for insurance related matters.