Privacy Policy & – TERMS & CONDITIONS

Privacy Policy & Terms of Use for sipforever.com

Effective Date: April 2016
Last Updated: October 2025
Owner/Operator: A. Loonker
Place of Operation: Jodhpur, Rajasthan, India
Website: www.sipforever.com
Email: support@sipforever.com
Phone: +91-9530231909

1. Introduction

Welcome to sipforever.com, a financial education and mutual fund advisory platform operated by Mr. A. Loonker, a certified Mutual Fund Distributor based in Jodhpur, Rajasthan.
Since our inception in April 2016, we have been committed to helping investors make informed financial decisions through Systematic Investment Plans (SIPs) and mutual fund education.

This document combines our Privacy Policy and Terms & Conditions to clearly explain:

How we collect, use, and protect your personal information.
What terms govern your use of our website and services.

By accessing or using sipforever.com, you agree to this combined policy. If you do not agree, please refrain from using our website or services.

SECTION A – PRIVACY POLICY

2. Our Commitment to Privacy

At sipforever.com, your privacy and trust are central to our relationship. We comply with:

The Information Technology Act, 2000, and amendments.
The IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
Applicable SEBI and AMFI guidelines for mutual fund distributors.

We ensure that your personal and financial information is handled responsibly, securely, and transparently.

3. Information We Collect

We collect only the information necessary to deliver high-quality financial advisory and mutual fund distribution services.

(a) Personal Information

Full name, date of birth, and contact details (mobile number, email address, postal address).
Identification documents (PAN, Aadhaar, KYC details).
Bank details for SIP registration and redemption transactions.

(b) Non-Personal Information

Browser type, device information, IP address, and usage statistics.
Pages visited, session duration, referral links, and clickstream data.

(c) Sensitive Personal Data (as per Indian IT Rules)

Income range, investment preferences, and risk profile.
KYC-related documents and financial credentials required under SEBI/AMFI norms.

All personal data is collected either directly from you or through authorized third parties such as AMCs (Asset Management Companies) and RTAs.

4. How We Collect Data

Direct interactions: When you fill out forms, register for our services, or contact us.
Automated technologies: Cookies and analytics tools help us understand how visitors use our website.
Third-party integrations: KYC and transaction data from AMCs, RTAs, or BSE/NSE platforms.

We never collect information without your consent or knowledge.

5. Purpose of Data Collection

We collect and use your data only for legitimate purposes, such as:

Providing mutual fund investment and SIP advisory services.
Processing KYC, SIP registration, purchase, and redemption requests.
Ensuring compliance with SEBI/AMFI regulations.
Sending portfolio updates, statements, and market insights.
Responding to service requests or queries.
Enhancing our website, products, and customer experience.
Conducting risk profiling and suitability analysis for investments.
Marketing educational financial content (only with your consent).

6. Legal Basis for Processing

We process your data under the following grounds:

Consent: You voluntarily provide consent before data collection.
Contractual necessity: To deliver services or execute your investment instructions.
Legal obligation: Compliance with SEBI, AMFI, or Income Tax authorities.
Legitimate interest: To improve our advisory services and communication.

7. Data Sharing and Disclosure

Your personal data is never sold or rented. However, it may be shared responsibly with:

AMCs, RTAs, and platforms (like BSE/NSE Star MF) for execution of investment transactions.
Regulatory authorities, if required under Indian laws.
Authorized service providers such as IT hosts, email providers, and payment processors under strict confidentiality clauses.
Auditors and legal advisors for compliance purposes.

In case of any business merger or transfer, data may be transferred to the successor entity with equal privacy safeguards.

8. Data Security Measures

We maintain robust security systems to protect your data from unauthorized access, misuse, or disclosure:

SSL encryption for secure online data transmission.
Restricted access to authorized personnel only.
Regular security audits and compliance reviews.
Firewall and malware protection for all internal systems.

Although we strive for complete protection, no online system is fully risk-free. Users are advised to use secure devices and report any suspicious activity immediately.

9. Data Retention Policy

We retain personal and financial data only as long as:

It is necessary for fulfilling our services; or
It is required by SEBI, AMFI, or taxation authorities.

Once data is no longer needed, it is securely deleted, anonymized, or archived in compliance with Indian data protection norms.

10. Cookies and Web Tracking

We use cookies to:

Personalize your browsing experience.
Analyze traffic and user behavior.
Enhance website performance and navigation.

You can disable cookies through your browser, but certain site features may not function correctly.

11. Your Rights

Under Indian IT Rules, you have the right to:

Access and review your personal data.
Correct inaccuracies or outdated details.
Withdraw consent for non-essential data processing.
Request deletion of your data (subject to regulatory requirements).

To exercise any rights, write to support@sipforever.com.

12. Children’s Privacy

Our services are designed for individuals aged 18 years and above.
We do not knowingly collect data from minors. If a child’s information is inadvertently collected, it will be deleted upon request.

13. Updates to This Policy

This Privacy Policy may be updated periodically to reflect new regulations, technology, or business practices.
Changes will be posted on this page with the “Last Updated” date.

14. Contact & Grievance Redressal

For privacy-related queries, complaints, or data access requests:

Grievance Officer:
Name: A. Loonker
Email: support@sipforever.com
Address: Jodhpur, Rajasthan, India
Phone: +91-9530231909

Complaints will be acknowledged within 72 hours and resolved within 30 days as per the IT Rules, 2011.

SECTION B – TERMS & CONDITIONS

15. About Our Services

sipforever.com provides mutual fund distribution and investment advisory services in compliance with SEBI and AMFI norms.
We do not offer stock trading, derivatives, or unregulated investment schemes.
All investment services are educational and advisory in nature.

16. Eligibility

You must be 18 years or older and legally competent to enter into contracts under Indian law.
By using our website, you confirm that all information provided is true and accurate.

17. User Responsibilities

By using sipforever.com, you agree to:

Provide complete and truthful information during registration and KYC processes.
Maintain confidentiality of your login credentials.
Use the website only for lawful purposes.
Refrain from engaging in fraudulent or harmful activities.
Immediately report unauthorized access or misuse.

18. Fees, Charges & Commissions

Advisory and distribution services may attract fees or commissions as per SEBI/AMFI regulations.
Mutual fund houses may pay trail commissions to sipforever.com transparently disclosed to investors.
No hidden or undisclosed charges are levied.

19. Disclaimers

Mutual fund investments are subject to market risks.
Read all scheme-related documents carefully before investing.
Past performance is not indicative of future results.
sipforever.com and A. Loonker provide advisory guidance only and do not guarantee returns.

Investors are advised to consult qualified professionals before making financial decisions.

20. Intellectual Property Rights

All content, design, graphics, and logos on sipforever.com are the intellectual property of A. Loonker.
Unauthorized reproduction or distribution is strictly prohibited and may invite legal action.

21. Third-Party Links

Our website may include links to external sites such as AMCs, SEBI, or financial portals.
We are not responsible for the content, accuracy, or privacy practices of such sites.
Users should read the terms and privacy policies of third-party websites before sharing data.

22. Limitation of Liability

To the maximum extent permitted by Indian law:

sipforever.com shall not be liable for any loss, damage, or expense arising from the use of its website or services.
We are not responsible for market fluctuations, technical errors, or force majeure events.
Our total liability shall not exceed the service fee paid (if any) by the user.

23. Indemnification

You agree to indemnify and hold harmless sipforever.com, A. Loonker, employees, and affiliates from any claims or damages arising from your:

Misuse of our website,
Violation of these terms, or
False representation of personal or financial information.

24. Termination of Access

We reserve the right to suspend or terminate access to our services:

If you violate these Terms,
If required by regulatory authorities, or
Due to maintenance, upgrades, or unforeseen circumstances.

25. Governing Law and Jurisdiction

This Agreement is governed by the laws of India, and any disputes shall fall under the exclusive jurisdiction of courts in Jodhpur, Rajasthan.

26. Force Majeure

sipforever.com shall not be liable for any failure or delay in performance due to circumstances beyond our control — such as natural disasters, internet outages, or government restrictions.

27. Modification of Terms

We may revise these Terms & Conditions at any time to reflect legal, business, or technical updates.
Continued use of the website implies acceptance of the updated Terms.

28. Contact Information

For questions or assistance related to our Terms or Privacy Policy, contact:
📧 support@sipforever.com
📞 +91-9530231909
📍 Jodhpur, Rajasthan, India

Standard Disclaimer (for footer and promotions)

“Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results.”