Privacy Policy

At Apexric Finance Pvt. Ltd. (“Company,” “we,” “our,” or “us”), safeguarding your privacy and protecting your personal data is of utmost importance. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you use our services, including Investment Management, Tax and Advisory, Loan Lending, Auditing, Accounting and Bookkeeping, Registration and Filing, and Business Consulting.

By using our services, visiting our website, or engaging with us, you agree to the collection, use, and disclosure of your personal information as described in this Privacy Policy. Please read this policy carefully to understand our practices.

1. Information We Collect

We collect personal information in various ways, including when you:

Use Our Services: When you engage with us for any service, such as investment management, tax consultation, or auditing, we collect information related to your identity, business operations, and financial details.
Contact Us: When you inquire about our services, we collect your name, email, phone number, and other contact information.
Interact with Our Website: We collect technical information through cookies and similar technologies when you visit our website or communicate electronically with us.

Categories of Information We Collect:

Personal Identification Information: Name, address, email address, phone number, date of birth, and identification documents.
Financial Information: Bank account details, tax information, credit history, income, and transaction details.
Business Information: Company name, registration numbers, financial statements, and business operation details.
Technical Information: IP address, browser type, device identifiers, access times, and referring website addresses.

2. How We Use Your Information

We use the information collected for various business purposes, including:

Service Provision: To deliver the services you have requested, such as managing your investments, filing your taxes, processing loans, conducting audits, or providing business consultancy.
Communication: To respond to your inquiries, send service-related notifications, and provide you with updates about our offerings.
Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforceable government requests.
Business Improvement: To analyze trends, track your usage of our services, and enhance the quality of our services, website functionality, and customer experience.
Marketing: To inform you about promotions, offers, and new services that may interest you. You may opt out of marketing communications at any time.

Specific Uses:

Investment Management: We use your financial and personal data to make informed investment decisions, report performance, and meet compliance requirements.
Tax and Advisory Services: Your financial and tax data will be used to complete tax filings and provide accurate tax advice.
Loan Processing: For loan services, we assess your financial situation and verify your identity to process and approve loan applications.
Auditing: We use your financial records to ensure that they meet regulatory standards and provide accurate audit reports.
Accounting and Bookkeeping: Your business financial data is processed to prepare statements, reconcile accounts, and manage bookkeeping tasks.

3. How We Share Your Information

We do not sell or rent your personal information to third parties. However, we may share your information in the following situations:

With Service Providers: We may share your data with trusted third-party providers who assist in delivering our services, such as IT support, payment processors, tax software providers, auditors, or legal consultants.
For Legal Obligations: We may disclose your information to comply with applicable laws, regulations, legal processes, or governmental requests.
In Business Transactions: In the event of a merger, acquisition, reorganization, or sale of assets, your personal information may be transferred as part of the transaction.
With Your Consent: We may share your information with third parties when you have provided explicit consent to do so.

4. Data Security

We take the security of your personal information seriously. We use industry-standard technical and organizational measures, including encryption, firewalls, and secure access controls, to protect your data from unauthorized access, use, or disclosure.

However, despite our efforts to safeguard your information, no method of transmission over the internet or method of electronic storage is completely secure. Therefore, while we strive to protect your personal data, we cannot guarantee its absolute security.

Security Practices Include:

Encryption: Data is encrypted both in transit and at rest.
Access Controls: Only authorized personnel have access to your personal data, and they are required to adhere to strict confidentiality agreements.
Regular Audits: We perform regular audits of our security systems to ensure compliance with industry standards.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including providing services, complying with legal obligations, resolving disputes, and enforcing agreements.

Once your data is no longer required for these purposes, we will securely delete or anonymize it. In certain cases, we may retain your information for a longer period if required by law or regulation.

Retention Periods:

Service Data: Retained for the duration of our business relationship and as required by law (e.g., financial records for auditing or tax purposes).
Marketing Data: Retained until you opt out of receiving communications.

6. Your Rights and Choices

You have rights concerning your personal data, and we are committed to enabling you to exercise these rights. Depending on your location, these rights may include:

Right to Access: You can request a copy of the personal information we hold about you.
Right to Rectification: You can request that we correct any inaccuracies in your data.
Right to Erasure: You can request the deletion of your personal data, subject to legal obligations.
Right to Restrict Processing: You can request that we limit the use of your data under certain circumstances.
Right to Data Portability: You can request the transfer of your personal data to another service provider.
Right to Object: You can object to the processing of your personal data for direct marketing or legitimate business interests.

To exercise any of these rights, please contact us at contact@apexric.com.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your usage of our website. Cookies help us improve the website experience, analyze trends, and tailor content to your preferences.

Types of Cookies We Use:

Essential Cookies: Necessary for the website to function properly.
Analytics Cookies: Collect data on website performance and user behavior.
Marketing Cookies: Track your browsing behavior for targeted advertising.

You can manage your cookie preferences through your browser settings. However, disabling certain cookies may affect the functionality of our website.

8. International Data Transfers

If you are accessing our services from outside India, please note that your information may be transferred to, processed, and stored in India, where our servers are located. By using our services, you consent to the transfer of your personal information to India and its processing in accordance with this Privacy Policy.

We take steps to ensure that your data is protected in accordance with international privacy standards and local legal requirements.

9. Third-Party Links

Our website or communications may contain links to third-party websites, plugins, or applications. We are not responsible for the privacy practices or the content of such third-party websites. We encourage you to read the privacy policies of any third-party site you visit.

10. Children’s Privacy

Our services are not intended for use by individuals under the age of 18. We do not knowingly collect or solicit personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete such data.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on our website, and the updated policy will reflect the effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

Your continued use of our services after any changes signifies your acceptance of the revised Privacy Policy.

12. Contact Information

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

Apexric Finance Pvt. Ltd.
contact@apexric.com
+91 809 802 8017