Understanding Our Privacy Practices

This Privacy Policy outlines how Samrat Investments collects, uses, safeguards, and discloses information collected from users of our website, located at http://www.samratinvestment.com/. We take your privacy seriously and are committed to protecting your personal information.

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What Information Do We Collect?

We collect two primary categories of information:

• Personal Identification Information (PII): This encompasses data that can be used to identify you as an individual. It may include details like your name, email address, and mailing address along with KYC as required. We only collect PII when you choose to provide it, such as during registration, using specific features on our site, or contacting customer support. While providing your PII is optional, withholding it may limit your ability to access certain functionalities or services.

• Non-Personal Identification Information (Non-PII): This category includes technical data about your device and browsing activity. Examples include your browser type, operating system, internet service provider (ISP), and browsing history. Non-PII is collected automatically whenever you interact with our website.
   

• For AI-Enabled Tools: Investment goals, risk tolerance, transaction patterns (to power personalized fund insights).

• KYC Data - Collected only for regulatory compliance, never for AI training.

• Your control: Opt out of non-essential data sharing (e.g., anonymized trend analysis).

 

Cookies and Similar Technologies

Our website may utilize cookies to enhance your user experience. Cookies are small data files stored on your device that allow us to remember information about your visit, such as your preferences or login details.

This streamlines your experience by eliminating the need to repeatedly enter the same information. You have the option to disable cookies within your browser settings. However, be aware that doing so may limit the functionality of certain aspects of our website.

 

How We Use Your Information

The information we collect serves various purposes that contribute to your overall experience and the improvement of our services. Here's a breakdown of how we utilize your data:

• Website Operation: We use your information to ensure the website functions correctly and displays content accurately. This includes managing your account, processing transactions, and delivering requested services.

• Enhanced Customer Service: Your information helps us personalize your experience and provide efficient support. We can use it to respond to your inquiries, address your concerns, and offer relevant recommendations.

• Personalized User Experience: By analyzing aggregated data, we gain insights into how users interact with our website. This allows us to tailor your experience by presenting features and content that align with your interests and preferences.

• Site Improvement: We value your feedback and use it to constantly enhance our website, products, and services. Your information helps us identify areas for improvement and make informed decisions that benefit the overall user experience.

• Communication and Updates: We may use your email address to send you periodic updates about our services, important account information, or relevant news related to Samrat Investments. Additionally, it allows us to respond directly to your inquiries, questions, or requests.

 

Your Information Security

We prioritize the security of your information and implement appropriate safeguards to protect it from unauthorized access, alteration, disclosure, or destruction. These measures include secure data storage practices, access controls, and security protocols.

 

AI-Powered Investment & Wealth Tech Tools

• We use aggregated and anonymized financial data to train AI models that improve fund selection, portfolio optimization, and wealth management solutions.

• AI enhances our ability to provide data-driven financial insights that empower users to make informed decisions.

• Your financial data is never used to make automated decisions without transparency—you always have control over investment choices.

• Used to refine tools like "Smart Fund Match" (learns from historical patterns to suggest aligned options).

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How We Use AI for Financial Insights:

• Our AI models analyze historical financial data, market trends, risk factors, and economic indicators to generate insights.

• AI-powered tools assist in fund selection, portfolio diversification, and risk assessment but do not make decisions on your behalf.

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Secure & Ethical Data Usage

• No unauthorized sharing—we only use data to improve AI models, risk assessment tools, and personalized financial guidance.

• No misleading tactics—we never use dark patterns, forced consents, or misleading recommendations.

• We do not guarantee returns—our AI-driven insights are designed to improve decision-making, not promise assured outcomes.

• Zero advertising partnerships: We profit from advisory fees, not your data.

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The Samrat Investments' Difference: Ethical Boundaries

• No third-party marketing data sales.

• No spam calls/emails – ever. Contact only for critical updates (e.g., KYC expiry).

• No "assured returns" rhetoric: AI provides probabilistic forecasts, not guarantees.

• Partner vetting: Data shared only if it directly benefits you (e.g., fraud detection via RBI-approved entities).

• To provide updates on new features, important financial insights, or account-related notifications.

• Data sharing is restricted to essential service providers (e.g., regulatory compliance, risk management).

• Our partners are carefully selected to ensure data privacy and ethical business practices.

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"Samrat Investments' AI doesn’t guess—it learns from collective wisdom, never individual vulnerability."

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Financial Risk Disclaimer:

• Samrat Investments provides AI-enabled financial insight tools to support users in understanding market trends and fund selections.

• We do not offer financial guarantees, assured returns, or investment commitments—all investment decisions are at the discretion of the user.

• Market conditions, economic fluctuations, and financial risks are beyond our control, and users should consult a licensed financial advisor before making significant investment decisions.

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Limitation of Liability:

• Samrat Investments and its AI-driven models are designed to assist in financial analysis, but we are not liable for any financial losses arising from investment decisions based on AI-generated insights.

• Past performance of AI-suggested investment strategies does not guarantee future results.

• Users should independently verify information before making investment choices.

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AI & Data Ethics at Samrat Investments
We believe in ethical AI development and responsible financial data usage. Here’s how we ensure fairness, transparency, and user protection:

1. Fair & Unbiased AI Models
Our AI models are built on neutral data sources and are regularly reviewed to prevent biases in fund recommendations.

We do not allow AI to favor specific financial institutions or promote investments based on sponsorships.

2. User-Centric AI Insights

• AI tools are designed to empower users with knowledge, not to replace financial decision-making.

• Users have complete control over data usage and AI-powered insights—no automated decisions are made without explicit user consent.

3. Data Privacy & Security

• No unauthorized access—user financial data is stored securely with encryption protocols.

• Limited Data Sharing—only essential anonymized insights are shared with trusted partners for model improvements, ensuring no personal financial details are sold or misused.

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Sharing Your Information

We understand the importance of data privacy and do not sell, trade, or rent your PII to third parties. However, we may share aggregated demographic information that is not linked to any individual user with business partners, affiliates, and advertisers. This information helps us understand user trends and improve our services.

 

Children's Privacy Protection

Samrat Investments prioritizes the safety and privacy of children. Our website is not designed for children, and we strictly prohibit the collection or maintenance of personal information from anyone under the age of 18.

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If a guardian wishes to allow a minor to utilize our services for any monetary purposes, such as investments or financial planning tools, verifiable parental consent is mandatory. This requires the guardian to attach the following documents during account creation:

• Proof of the guardian's relationship to the minor (e.g., birth certificate)

• A valid government-issued ID for the guardian

We take these measures to ensure responsible financial practices and protect the privacy of children.

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Updates to Our Privacy Policy

We reserve the right to update this Privacy Policy periodically. We will notify you of any significant changes by posting a notification on our website and, if you have provided an email address, sending you a notification. We encourage you to review this policy regularly to stay informed about how we handle your information.

 

Your Acceptance of This Policy

By using our website, you signify your acceptance of this Privacy Policy. If you do not agree to the terms outlined in this policy, please refrain from using our website. Your continued use of the site following any updates to this policy constitutes your acceptance of those changes.

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Contact Us

If you have any questions or concerns regarding this Privacy Policy or our data practices, please don't hesitate to contact us. We value your feedback and are committed to addressing any inquiries you may have.

 

Last Updated

This Privacy Policy was last updated on February 04, 2023.