Privacy Policy

Introduction

Your privacy is important to Keynote Capitals Limited (“KCL”, “we”, “us”, or “our”). This Privacy Policy explains how personal information is collected, used, stored, and disclosed when you access www.fikaa.in or use the FIKAA mobile application (collectively, the “Platform”). By using the Platform, you consent to the collection and use of your information in accordance with this Policy. If you do not agree, you should discontinue use of the Platform.

Definitions

“User” or “You” refers to any individual accessing or using the Platform. “Personal Information” refers to any data that identifies or can be used to identify an individual. “Platform” refers to the Website and the FIKAA App owned and operated by KCL, having its registered office at The Ruby, 9th Floor, Senapati Bapat Marg, Dadar (West), Mumbai – 400028.

Collection and Use of Personal Information

KCL may collect personal information including but not limited to your name, date of birth, gender, contact details, PAN, Aadhaar, KYC details, bank and investment account details, and financial information required for providing services. Information may also be collected through your use of the Platform, registration processes, and interactions with services.

Such information is collected strictly for lawful purposes including user verification, onboarding, transaction processing, service delivery, personalization, communication, regulatory compliance, analytics, and marketing of financial products and services. By providing your information, you consent to its use by KCL and its affiliates for these purposes.

KCL ensures that only necessary information is collected and processed in accordance with applicable Indian laws and regulatory requirements.

Sharing of Personal Information

Your personal information may be shared with affiliates, group companies, service providers, AMCs, RTAs, regulators, and authorized third parties for the purpose of providing services, complying with legal obligations, and improving service quality.

Such third parties are contractually obligated to maintain confidentiality and use the information only for specified purposes.

KCL may also disclose information without prior consent where required by law, including for identity verification, fraud prevention, investigation, regulatory compliance, or pursuant to court or government orders.

KCL and its affiliates may contact you for service-related or promotional communication unless you opt out of such communication.

Log File Information Collected Automatically

When you access or use the Platform, certain information is automatically collected. This may include your IP address, browser type, operating system, device information, pages visited, date and time of access, and referring URLs.

This data does not directly identify you and is used for analytics, system administration, improving user experience, and enhancing Platform performance.

Cookie Policy

The Platform uses cookies and similar tracking technologies to enhance user experience, analyze usage patterns, and improve services. Cookies are small text files stored on your device that help remember preferences and track interactions with the Platform.

You may choose to disable cookies through your browser settings; however, this may affect certain functionalities of the Platform. By continuing to use the Platform, you consent to the use of cookies.

Security Practices

KCL implements reasonable physical, technical, and administrative safeguards to protect your personal information from unauthorized access, misuse, or disclosure.

While efforts are made to secure data, no system is completely secure, and KCL does not guarantee absolute security of information transmitted over the internet.

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

Links to Other Websites

The Platform may contain links to third-party websites. KCL does not control or assume responsibility for the privacy practices or content of such websites. Users are advised to review the privacy policies of third-party sites before sharing information.

Disclaimer as to Loss

Due to the inherent nature of internet-based services, data transmission may not always be secure. KCL shall not be liable for any loss or damage arising from unauthorized access, data breaches, or security failures beyond its reasonable control.

Changes to Privacy Policy

KCL reserves the right to update or modify this Privacy Policy at any time. Changes shall be effective upon publication on the Platform. Continued use of the Platform constitutes acceptance of the revised Policy. Users are encouraged to review this Policy periodically.

Intellectual Property and Content Use

All content on the Platform, including design, text, graphics, and materials, is the intellectual property of KCL and is protected under applicable laws. Unauthorized use, reproduction, or distribution is strictly prohibited.

General Disclaimer

The Platform and its contents are provided on an “as is” basis without warranties of any kind. KCL does not guarantee accuracy, completeness, or reliability of information. Nothing on the Platform constitutes financial, legal, or professional advice. Users should seek independent professional advice before making decisions.

Limitation of Liability

To the maximum extent permitted by law, KCL and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of the Platform, including loss of data, profits, or business opportunities.

Reasonableness

By using the Platform, you acknowledge that the limitations of liability and disclaimers set out in this Policy are reasonable and form a valid basis of agreement.

Unenforceable Provisions

If any provision of this Policy is held to be invalid or unenforceable, such provision shall be severed and the remaining provisions shall remain in full force and effect.

Jurisdiction

This Privacy Policy shall be governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

Consent

By using the Platform, you consent to the collection, use, storage, and disclosure of your information as described in this Privacy Policy. If you do not agree, you should discontinue use of the Platform.