This Privacy Policy explains how Thanki Wealth (operated by Vijay Thanki, AMFI-registered Mutual Fund Distributor, ARN-52501) collects, uses, stores, and protects the personal information of visitors to our website and clients who engage our services. By using this website or engaging our services, you consent to the practices described in this policy. Please read it carefully.
1. Who We Are.
Thanki Wealth is a mutual fund distribution and insurance intermediary practice operated by Vijay Thanki, based in Jamnagar, Gujarat, India. We are registered with AMFI (Association of Mutual Funds in India) as a Mutual Fund Distributor under ARN-52501 and act as an insurance intermediary for IRDAI-registered insurance companies.
We serve individual investors, families, and NRI clients across India and abroad. This website is operated for the purpose of providing information about our services and facilitating client engagement.
2. Information We Collect
We collect personal information only when it is necessary for providing our services or communicating with you. The types of information we may collect include:
| CATEGORY | INFORMATION COLLECTED | HOW COLLECTED |
|---|---|---|
| Identity Information | Full name, date of birth, PAN number, Aadhaar number (where required by regulation) | Provided directly by you during onboarding |
| Contact Information | Mobile number, email address, residential address | Provided directly by you via forms or calls |
| Financial Information | Income details, bank account information, existing investment holdings (where required for KYC) | Provided directly by you |
| Investment Information | Investment goals, risk profile, SIP details, fund categories | Collected during consultation and onboarding |
| Communication Records | Emails, call notes, WhatsApp messages (where applicable) | Generated during our interactions |
| Website Usage Data | IP address, browser type, pages visited, time spent on pages | Collected automatically via cookies and analytics tools |
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- To provide mutual fund distribution services, including facilitating SIP investments, lumpsum investments, and portfolio reviews
- To facilitate insurance intermediation services, including identifying suitable insurance products and supporting claim processes
- To complete KYC (Know Your Customer) verification as required by SEBI, AMFI, and IRDAI regulations
- To communicate with you about your investments, policy renewals, annual reviews, and relevant regulatory updates
- To send you service-related communications — including SIP confirmation, NAV updates, and portfolio statements
- To respond to your enquiries, consultation requests, or messages submitted through this website
- To maintain accurate records of client transactions as required by regulatory obligations
- To improve our website and services based on usage patterns
We do not use your personal information for unsolicited marketing, advertising, or promotional communications without your prior consent.
4. Sharing of Your Information
We do not sell, rent, or trade your personal information to any third party. Your information may be shared only in the
following specific circumstances:
- Asset Management Companies (AMCs): For processing mutual fund investments and KYC compliance as required by AMFI regulations
- Registrar and Transfer Agents (RTAs): Such as CAMS or KFintech, for managing mutual fund folios and transactions
- KYC Registration Agencies (KRAs): For completing and updating your KYC record as mandated by SEBI
- IRDAI-registered Insurance Companies: For processing insurance applications, policy issuance, and claim settlements
- Regulatory Authorities: SEBI, AMFI, IRDAI, Income Tax Department — where disclosure is required by law or regulation
- Technology Service Providers: For website hosting, email services, or CRM tools — under strict confidentiality obligations and only to the extent necessary
All third parties with whom we share your data are either regulated entities bound by their own legal obligations or service providers operating under data processing agreements.
5. Data Storage and Security
We take the security of your personal information seriously. The following measures are in place to protect your data:
- Physical and electronic records are stored securely and accessible only to authorised personnel
- Digital data is protected using reasonable technical safeguards appropriate to the nature and sensitivity of the information
- Communication of sensitive financial data is conducted through secure, encrypted channels wherever possible
- We do not store complete bank account numbers, passwords, or PINs on our systems
Your data is retained for as long as is necessary to fulfil the purpose for which it was collected, or as required by
applicable law and regulatory obligations. SEBI and AMFI regulations require that certain transaction records be
maintained for a minimum of five years.
Important: While we take all reasonable precautions, no method of electronic transmission or storage is 100% secure. We cannot guarantee the absolute security of information transmitted to us over the internet.
6. Cookies and Website Analytics
Our website may use cookies and similar technologies to improve your browsing experience and understand how visitors use our site. Cookies are small text files stored on your device that help us recognise returning visitors and analyse site performance.
We may use the following types of cookies:
- Essential cookies: Necessary for the website to function correctly
- Analytics cookies: To understand how visitors interact with our website (e.g., Google Analytics). This data is aggregated and anonymised
- Preference cookies: To remember your settings and preferences for future visits
You can control or disable cookies through your browser settings. Disabling cookies may affect certain features of the website. We do not use cookies to serve targeted advertising or track you across other websites.
7. Your Rights
You have the following rights with respect to your personal information held by us:
- Right to Access: You may request a copy of the personal information we hold about you
- Right to Correction: You may request correction of any inaccurate or incomplete personal information
- Right to Withdrawal of Consent: Where processing is based on your consent, you may withdraw that consent at any time. This will not affect any processing already carried out
- Right to Deletion: You may request deletion of your personal data where it is no longer necessary for the purpose for which it was collected — subject to our legal and regulatory obligations to retain certain records
- Right to Raise a Grievance: You may raise a complaint or grievance regarding the handling of your data at any time by contacting us at the details below
To exercise any of these rights, please contact us using the details provided in Section 10 of this policy.
8. Links to Third-party Websites
Our website may contain links to third-party websites — including AMC portals, stock exchange websites, regulatory body websites (SEBI, AMFI, IRDAI), and insurance company portals. These links are provided for your convenience only.
We are not responsible for the privacy practices or content of any third-party websites. We encourage you to read the privacy policy of any website you visit through a link on our website.
9. Children's Privacy
Our website and services are not directed at children under the age of 18. We do not knowingly collect personal information from minors. If you believe that a minor has provided personal information to us, please contact us immediately and we will delete such information from our records.
Where investment accounts are maintained in the name of a minor (as permitted under applicable regulations), the parent or legal guardian is responsible for providing accurate information and consenting to the processing of that information on the minor’s behalf.
10. 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 this page with a revised effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.
Continued use of our website or services after any changes to this policy constitutes your acceptance of the updated terms.
11. Contact Us - Grievance Officer
If you have any questions, concerns, or complaints about this Privacy Policy or the handling of your personal information, please contact us. We will respond to all genuine enquiries within a reasonable timeframe.
GRIEVANCE OFFICER / DATA CONTROLLER
| Name | Vijay Thanki |
| Business | Thanki Wealth |
| ARN | ARN-52501 | AMFI-Registered Mutual Fund Distributor |
| Location | Jamnagar, Gujarat, India |
| [your email address] | |
| Phone | [your phone number] |
| Website | www.thankiwealth.com |
Regulatory Note: This privacy policy is governed by the laws of India. For matters relating to investor grievances under SEBI regulations, investors may also approach SEBI through the SCORES platform (scores.sebi.gov.in) or the relevant investor service centre. For insurance-related grievances, the IRDAI Grievance Call Centre (IGMS) is available at igms.irda.gov.in.