Privacy policy

Who we are

This website is operated by 25 Carat Wealth, a sole proprietorship of Padmashini Pathak, an AMFI Registered Mutual Fund Distributor (ARN-172683). Contact: connect@25caratwealth.com.

What this website collects

Nothing automatically. This is a static website. It does not use analytics, advertising trackers or cookies of its own, and it does not create an account or profile for you.

The calculators on this site run entirely in your browser. The figures you type are never transmitted to us or to anyone else, and they are not stored — closing the tab discards them.

Two external font services are loaded from Google (Google Fonts and Material Symbols). Requesting a font sends your IP address and browser details to Google, as it would on most websites. If you would rather avoid this entirely, the fonts can be hosted locally on request.

What you choose to send us

If you use the enquiry form, it opens your own email application with the details pre-filled. Nothing is submitted to a server on this website. We receive your information only when you press send in your email app.

When you contact us by email, phone or WhatsApp, we hold what you tell us: your name, contact details and the substance of your enquiry.

Information we hold about clients

Once you become a client, we necessarily collect and hold more: identity and address documents for KYC, PAN, bank details, income and risk profile information, nominee details, and your transaction history. This is required by law and by the Asset Management Companies, insurers and deposit issuers we transact with on your behalf.

Why we hold it

• To respond to your enquiry and provide the advice you asked for
• To execute transactions you have authorised
• To meet KYC, anti-money-laundering and record-keeping obligations imposed by SEBI, AMFI, IRDAI and the Income Tax Act
• To send you statements, reviews and material updates about products you hold

Who we share it with

Only with the parties needed to give effect to your instructions: the relevant Asset Management Company, Registrar and Transfer Agent (such as CAMS or KFintech), insurer, deposit issuer, or KYC Registration Agency. We share with regulators or law enforcement where we are legally required to.

We do not sell your data, rent it, or pass it to third parties for their own marketing.

How long we keep it

Client records are retained for the period prescribed by applicable regulation — generally a minimum of five years after the relationship ends, and longer where tax or litigation requirements apply. Enquiries that do not become client relationships are deleted once they are no longer relevant.

Security

We restrict access to client records to those who need it, and we use reasonable technical and organisational safeguards. No system is perfectly secure, and we will tell you promptly if a breach affects your data.

Your rights

You may ask us what personal information we hold about you, ask us to correct anything inaccurate, or ask us to delete it — subject to the record-keeping periods the regulations impose on us. You may withdraw consent to marketing communications at any time without affecting your holdings.

Write to connect@25caratwealth.com and we will respond within thirty days.

Children

This website is not directed at children. Investments made in a minor's name are opened and operated by a parent or legal guardian, whose details we hold.

Changes to this policy

If this policy changes materially we will update this page and revise the review date below.