Privacy Policy — Kobek Advisory Private Limited

Kobek Advisory Private Limited ("Kobek", "we", "us") respects your privacy. This Privacy Policy describes how we collect, use, disclose and safeguard information when you visit https://kobek.in or engage our financial advisory and consulting services. It is published in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 ("DPDP Act") to the extent applicable.

1. Information we collect

Identification & KYC data: name, date of birth, gender, PAN, Aadhaar (only when explicitly required and consented), passport, signature, photograph.
Contact information: email, phone, postal address.
Financial information: income, net-worth, bank details, investment holdings, risk profile, tax status, source-of-funds declarations.
Account & usage data: login credentials (hashed), session timestamps, IP address, browser, device, pages viewed, consultation requests, content interactions.
Communications: emails, call recordings (with consent), meeting notes, chat transcripts.
Cookies & similar technologies: see our Cookie Policy.

2. Purposes of processing

To provide, personalise and operate our advisory and consulting services;
To complete KYC, anti-money-laundering and regulatory compliance (PMLA, SEBI, RBI, IRDAI);
To respond to consultation requests and client communications;
To process payments and issue invoices and tax documents;
To send service updates, market commentary and (with opt-in) newsletters;
To detect, prevent and address fraud, security incidents and policy violations;
To improve the Website, content, and our internal processes.

3. Legal bases

We process personal data on the basis of your consent, the performance of a contract with you, compliance with legal obligations, and our legitimate interests as a regulated advisory business (e.g., recordkeeping, fraud prevention).

4. Sharing of information

We share information only as needed and only with:

Regulators and law-enforcement authorities when required by law;
Auditors, legal counsel and tax advisors under confidentiality obligations;
Service providers such as cloud hosting, KYC vendors, payment processors, analytics and email providers, bound by data-processing terms;
Custodians, brokers and product manufacturers only when expressly authorised by you to implement a recommendation.

We do not sell your personal data.

5. International transfers

Some service providers may process data outside India. Where this occurs, we ensure adequate safeguards consistent with Indian law and contractual protections.

6. Retention

We retain client records for the period mandated by applicable regulations (typically a minimum of five (5) yearsfrom the end of the client relationship under PMLA and SEBI norms), and longer where required for tax, accounting or legal defence purposes.

7. Security

We implement administrative, technical and physical safeguards aligned with ISO 27001 principles, including encryption in transit (TLS), encrypted databases, role-based access control, audit logging, multi-factor authentication and regular vulnerability scanning. No system is perfectly secure; you remain responsible for safeguarding your credentials.

8. Your rights

Subject to applicable law, you have the right to:

Access the personal data we hold about you;
Request correction of inaccurate or incomplete data;
Withdraw consent for non-mandatory processing;
Request erasure where retention is not required by law;
Object to direct marketing;
Lodge a complaint with the Data Protection Board of India.

To exercise any right, write to our Grievance Officer (below). We will respond within thirty (30) days.

9. Children

Our services are not intended for individuals under 18. We do not knowingly collect personal data from children. If you believe a child has provided us with data, contact us and we will delete it.

10. Cookies & analytics

Please refer to our Cookie Policy for details about cookies, similar technologies and analytics providers used on the Website.

11. Third-party links

The Website may link to third-party sites (e.g., market data providers). We are not responsible for their privacy practices. Please review their policies before sharing personal data.

12. Changes

We may update this Policy. Material changes will be notified on the Website. Continued use of the Website after the update constitutes acceptance.

13. Grievance Officer

In accordance with the Information Technology Act, 2000 and rules thereunder:

Grievance Officer — Kobek Advisory Private Limited
5/3039/5b Muneeswaran Colony, Tamil Nadu, India
Email: info@kobek.in
Phone: +91 70945 50508 / +91 98430 85002