Respecting your privacy and the law

The policy set forth below is provided in English only to avoid any misinterpretations caused by a language translation. If necessary, please seek the proper advice, or please do not use this web site.

Moneywise Finvest Limited operates the web site at www.stoxkart.com (Site). The privacy of your personal information has always been important to us at Moneywise Finvest Limited (hereinafter called as Stoxkart). We are committed to respecting your right to privacy and protecting your personal information against unauthorized disclosure. Our staff is trained to respect your privacy in accordance with our standards, policies and procedures.

BY REGISTERING FOR OR USING THE SITE, YOU SIGNIFY YOUR ACCEPTANCE OF THIS PRIVACY STATEMENT. IF YOU DO NOT AGREE TO THIS PRIVACY STATEMENT, YOU CANNOT USE THE SITE. We reserve the right to modify this Statement at any time by posting a notice on the Site’s home page. (If we consider it appropriate, we may also provide additional notice of significant changes.) Your use of the Site after the date of the last modification listed at the beginning of this Privacy Statement indicates to us that you agree to the changes.

Collecting your personal information

If you are acquiring or have acquired a product or service from Stoxkart, it will collect and hold your personal information for the purposes of:

• providing you with the relevant product or service (including assessing your application and identifying you)
• managing and administering the product or service
• protecting against fraud where it is a product or service.

Stoxkart may also collect your personal information for the purpose of letting you know about products or services from Stoxkart that might better serve your needs or promotions or other opportunities in which you may be interested.

Such information may include your name, date of birth, residence and employment addresses, father’s and spouses names, bank account details, scans/copies of document proofs such as PAN, passport, Aadhaar etc. We may hold this information indefinitely as required by the law, for the purpose of offering you our services, and for other regulatory and business purposes.

We will, if it is reasonable or practicable to do so, collect your latest personal information from you request your regular updates. This may happen when you fill out a product or service application or an administrative form (e.g., a change of address form) or when you give us personal information over the telephone or counter, or through our website.

Stoxkart may have the requirement to collect Sensitive Personal Data or Information (“SPDI”) OR Personal Information from you while offering their products and services due to the nature of the products and services being offered. SPDI shall have the meaning in accordance with the Information Technology (Reasonable security practices and procedures and sensitive personal data or Information) Rules, 2011 (“Rules”).

Using and disclosing your personal information

In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below:

• involved in providing, managing or administering your product or service such as third party suppliers, other Group organisations, loyalty and affinity program partners, printers, posting services, call centers and our advisers
• Parent Company / Fellow subsidiaries / Associates who wish to tell you about their products or services that might better serve your needs or promotions or other opportunities, and their related service providers
• involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
• involved in a corporate re-organization
• involved in a transfer of all or part of the assets or business of a Group organization
• involved in product planning and development
• which are your representatives including your legal advisers and bankers
• in compliance of or as required or authorized by law or regulations, for example, to government or regulatory bodies for purposes related to public health or safety, prevention or detection of unlawful or suspicious activities or to protect public revenue.

Keeping your personal information accurate and up-to-date

Our aim is to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. This is the legal requirement so that we can provide you better service. If you believe your personal information is not accurate, complete or up to date, please contact us for updating/correction by writing to customer service at Stoxkart, #11/6B, Shanti Chamber, Pusa Road, New Delhi, - 110005 or sending an email to contact@stoxkart.com. We solicit your co-operation in updating your correct information.

Protecting your personal information

Our hosting services maintains its systems in accordance with reasonable industry standards to reasonably secure the information of its customers, such as using SSL encryption in certain places to prevent eavesdropping, and employing up-to-date software on the server. However, no data transmission over the Internet can be guaranteed to be 100% secure. “Perfect security” does not exist on the Internet, and you use the Site at your own risk.

We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, loss, unauthorized access, modification or disclosure. Some of the ways we do this are:

• document storage security policies
• security measures for systems access
• allowing access to personal information only where the individual seeking access has satisfied our identification requirements
• access to staff on need to know basis and under confidentiality obligation
• access control for our buildings

Scope of this Privacy Statement

This Privacy Statement applies to your use of this Site only. We do not own, operate or control the web sites of our Franchisees or sales associates. Accordingly, this Statement does not apply to a Franchisee’s or sales associate’s web site or to a Franchisee’s or sales associate’s collection, use, storage and disclosure of your Personal Information.

We take care to ensure that the personal information you provide on our websites is protected. For example, our websites have electronic security systems in place, including the use of firewalls and data encryption. User identifiers, passwords or other access codes may also be used to control access to your personal information.

Location of servers and transfer of information to India

The Site is hosted by servers in India. If you are located outside of India, your Personal Information will be transferred to India. By submitting your Personal Information, you consent to its transfer to the India and to its storage, processing, and use there in accordance with this Privacy Statement.

Links to Other Sites

We take care to ensure that the personal information you provide on our websites is protected. For example, our websites have electronic security systems in place, including the use of firewalls and data encryption. User identifiers, passwords or other access codes may also be used to control access to your personal information.

Third-Party Advertisement Servers

You may be able to access external websites by clicking on links we have provided. Those other websites are not subject to our privacy standards, policies and procedures. You will need to contact or review those websites directly to ascertain their privacy standards, policies and procedures.

SMC Group engages the services of an outside advertisement company to display advertisement on the Website. These advertisements may contain cookies. While SMC Group uses cookies in other parts of the Web Site, cookies received with banner advertisements are collected by the Advertisement company, and SMC does not have access to this information.

e-KYC

Moneywise Finvest Limited, on website ( www.stoxkart.com , has introduced eKYC for where clients can provide their UID / Aadhar Number to complete their Know Your Customer (KYC) requirement. The act of providing your Aadhaar number to Zerodha is voluntary in nature and is only required if you choose to open your trading account online through the account opening portal.

Stoxkart will act as KUA. The clients will be able to link their UID / Aadhar Number to their account by Authenticating using OTP received from UIDAI. The data provided by visitor will be sent to UIDAI or its agencies in secured manner as prescribed in the guidelines by UIDAI. By entering UID / Aadhar Number, the visitor agrees to authorize Stoxkart to validate the UID / Aadhar Number with UIDAI or it’s authorized agencies. Stoxkart will store the authenticated UID / Aadhar Number and demographic information along with client’s profile in Stoxkart’s encrypted Aadhaar Vault system in accordance with the UIDAI Circular dated July 25, 2017. Data collected for eKYC will not be used for any profiling purpose or marketing purpose.

To comply with Money Laundering Act, 2002 (PMLA) regulations, to perform e-KYC, and to enable you to apply digital signatures on the account opening forms online, your Aadhaar number is shared with the following entities:

• Your Aadhaar number is shared with licensed ASA (Authentication Service Agency) and licensed AUA (Authentication User Agency) under UIDAI to perform OTP based e-KYC verification. From this e-KYC transaction, Stoxkart obtains your full name, date of birth, gender, and address (collectively known as "demographic information"), which is then used on the online account opening forms.
• Your Aadhaar number is shared with licensed e-Sign ASP (Application Services Provider), compliant with the guidelines laid down by the Controller of Certifying Authorities, India and UIDAI, to enable you to eSign the account opening forms online.
• Your Aadhaar number is shared with the stock exchanges where you have opted to be registered to transact via Stoxkart, i.e. NSE (National Stock Exchange), BSE (Bombay Stock Exchange) MCX (Multi Commodity Exchanges), to comply with the PMLA (2002) rules.
• Your Aadhaar number is shared with KRA (KYC Registration Agency), and CKYC (managed by Central Registry for Securitisation Asset Reconstruction and Security Interest of India) to comply with KYC norms as per the Prevention of Money Laundering Act, 2002 and KRA Regulations, 2011.
• Depositories, as per the announcement made in the Union Budget 2017-18 that all individual demat accounts would be linked to an Aadhaar

Children

This Site is not directed to children under the age of 13 (“Children”), and we do not knowingly collect any information, including Personal Information, from Children.

Resolving your privacy issues

If you have any issues you wish to raise with Stoxkart, or would like to discuss any issues about our Privacy Policy, you may do so in a number of ways:

• You are always welcome to speak directly to our staff at Customer care numbers.
• You can email your concern on contact@stoxkart.com.