INTERNOVO VENTURES PRIVATE LIMITED, a company incorporated in accordance with the laws of India having registered office B-410, Knox Plaza Chincholi Bundar Road, Malad West Mumbai, Maharashtra- 400064, India (“Company” or “Indivest”) owns and manages the website (“Website”). Indivest values Your privacy and takes responsibilities in relation to Your data seriously. The Company is AMFI registered Mutual Fund Distributor.


(i) This Privacy Policy (“Privacy Policy”) is published in compliance with inter alia:

(ii) For the purpose of this Privacy Policy ("Policy"), wherever the context so requires:

  1.   The term 'You' & 'User' shall mean any legal person or entity accessing or using the services provided on this Website, who is competent to enter into binding contracts, as per the provisions of the Indian Contract Act, 1872;
  2.   The terms 'We', 'Us' & 'Our' shall mean the Website and/or the Company, as the context so requires.
  3. 1 Compensation for failure to protect data: Where a body corporate, possessing, dealing or handling any sensitive personal data or information in a computer resource which it owns, controls or operates, is negligent in implementing and maintaining reasonable security practices and procedures and thereby causes wrongful loss or wrongful gain to any person, such body corporate shall be liable to pay damages by way of compensation to the person so affected.
    2 Body corporate to provide policy for privacy and disclosure of information:(1) The body corporate or any person who on behalf of body corporate collects, receives, possess, stores, deals or handle information of provider of information, shall provide a privacy policy for handling of or dealing in personal information including sensitive personal data or information and ensure that the same are available for view by such providers of information who has provided such information under lawful contract. Such policy shall be published on website of body corporate or any person on its behalf and shall provide for— (i) Clear and easily accessible statements of its practices and policies; (ii) type of personal or sensitive personal data or information collected under rule 3; (iii) purpose of collection and usage of such information; (iv) disclosure of information including sensitive personal data or information as provided in rule 6; (v) reasonable security practices and procedures as provided under rule 8.
    3 The intermediary shall publish the rules and regulations, privacy policy and user agreement for access or usage of the intermediary's computer resource by any person.

  4.   The terms 'Party' & 'Parties' shall respectively be used to refer to the User and the Company individually and collectively, as the context so requires.
  5.   The term ‘Terms’ shall refer to the terms and conditions of the Website and/or the services being offered by the Company.

(iii) The User unequivocally agrees that this Policy and the aforementioned terms constitute a legally binding agreement between the User and the Company, and that the User shall be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by the Website, and that the same shall be deemed to be incorporated into the Terms, and shall be treated as part and parcel of the same.

(iv) We reserve the sole and exclusive right to amend or modify this policy & upload the revised policy on the Website. The User also has a duty to periodically check the terms and stay updated on its requirements. In so far as the User complies with this Policy, he/she is granted a personal, non-exclusive, non-transferable, revocable, limited privilege to enter and use the Website.


(i) The User expressly agrees and acknowledges that the Company collects and stores the User’s personal information, which is provided by the User from time-to-time on the Website, including but not limited to the User's user name, passwords, email address, name, address, age, date of birth, sex, nationality, shopping preferences, browsing history, income, employment details, PAN card, Aadhar card etc., as well as any images or other information uploaded/published by the User on the Website. The User is aware that this information will be used by the Company/Website to provide services and features to the User, that are most likely to meet the User’s needs, and also to customize and improve the Website to make its user's experiences more safer and user friendly.

(ii) The User is aware that the Company/Website may automatically track certain information about the User based upon the User's IP address and the User’s behaviour on the Website and the User expressly consents to the same. The User is aware that this information is used to do internal research on user demographics, interests, and behaviour, to enable the Company/Website to better understand, and cater to the interests of its users. The User is expressly made aware that such information may include the URL that the User visited prior to accessing the Website, the URL which the User subsequently visits (whether or not these URLs form a part of the Website), the User's computer & web browser information, the User's IP address, etc.

(iii) If the User chooses to post messages / reviews / feedback anywhere on the Website, including but not limited to message boards, chat rooms, other message areas, etc., the User is aware that any and all such information provided / uploaded will be collected and stored by the Company and that such retained information may be used to resolve disputes, provide customer support, troubleshoot problems, etc., and that such information, if requested, may be provided to judicial or Governmental authorities of requisite jurisdiction, or otherwise used by the Company/Website as permitted by applicable laws.

(iv) The User is aware that any and all information pertaining to the User collected by the Company, whether or not directly provided by the User to the Company/Website, including but not limited to personal correspondence such as emails or letters, feedback from other users or third parties regarding the User's activities or postings on the Website, etc., may be collected and complied by the Company/Website into a file/folder specifically created for / allotted to the User, and the User hereby expressly consents to the same.

(v) The User is aware that while he/she can browse some sections of the Website without being a registered user, certain activities (such as placing an order) require the User to provide valid personal information to the Company/Website for the purpose of registration. The User is aware that the contact information provided to the Company/Website may be used to send the User offers and promotions, whether or not based on the User's previous orders and interests, and the User hereby expressly consents to receiving the same.

(vi) The User is aware that the Company/Website may occasionally request the User to complete optional online surveys. These surveys may require the User to provide contact information and demographic information (like zip code, age, income bracket, sex, etc.). The User is aware that this data is used to customize the Website for the benefit of the User and providing all users of the Website with products/services/content they might be interested in availing of, and also to display content according to the User's preferences.

(vii) The User is further aware that the Company/Website may occasionally request the User to write reviews for products/services purchased/availed of by the User from the Website, and also reviews for the various sellers listing their products/services on the Website. The User is aware that such reviews may help other users of the website make prudent and correct purchases, and also help the Company/Website remove sellers whose products are unsatisfactory in any way, and the User hereby expressly authorizes the Company/Website to publish any and all reviews written by the User on the Website, along with the User's name and certain contact details, for the benefit and use of other Users of the Website.

(viii) Nothing contained herein shall be deemed to compel the Website/Company to store, upload, publish, or display in any manner content/reviews/surveys/feedback submitted by the User, and the User hereby expressly authorizes the Website/Company to remove from the Website any such content, review, survey, or feedback submitted by the User, without cause or being required to notify the User of the same.


(i) Company/Website may collect and use Personal Information to provide You with services that the Company think may be of interest to You, or to communicate with You for other purposes which are evident from the circumstances or about which the Company inform You when the Company collect Personal Information from You.

(ii) The Company is the controller of customer data and may process such data as may be required. The Company stores the information collected from the Website, which is used to:

  1.   Improve Indivest product;
  2.   Enhance the end-user experience;
  3.   Provide, maintain and protect services, Website and Indivest Business;
  4.   Communicate with the customers in relation to technical and other administrative matters via emails and other modes of communication;
  5.   Personalization of the product and the services;
  6.   Product development;
  7.   Relevant offers;
  8.   Reporting and Business operations;
  9.   Conduct and undertake research in order to develop and provide search, learning and productivity tools and additional features to service better experience;
  10.   Consulting services;
  11.   Ensure that You are old enough to use our Website (as required by law); and
  12.   Research wherein Indivest investigate and help prevent security issues and abuse.

(iii) The information is processed and analyzed by automated means to offer a variety of features that You get from using the Website. The information will be used for advanced analytics to offer additional insightful features in future. The Company may also anonymize (de-personalized) Your information Indivest collect and combine it with other information sources for the purpose of advanced analytics and future use cases.


(i) The User is aware that a ‘Cookie’ is a small piece of information stored by a web server on a web browser so it can later be traced back from that particular browser, and that cookies are useful for enabling the browser to remember information specific to a given user, including but not limited to a User's login identification, password, etc. The User is aware that the Website places both permanent and temporary cookies in the User's computer's hard drive and web browser, and does hereby expressly consent to the same.

(ii) The User is further aware that the Website uses data collection devices such as cookies on certain pages of the Website to help analyze web page flow, measure promotional effectiveness, and promote trust and safety, and that certain features of the Website are only available through the use of such cookies. While the User is free to decline the Website's cookies if the User's browser permits, the User may consequently be unable to use certain features on the Website.


(i) The User is aware that the Company may share the User's personal information with other corporate entities and affiliates to provide better services, help detect and prevent identity theft, fraud and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of the Website's services; and to facilitate joint or co-branded services, where such services are provided by more than one corporate entity.

(ii) The User is aware that the Company may disclose personal information if required to do so by law or if the Company in good faith believes that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes. The Company may also disclose the User's personal information to law enforcement offices, third party rights owners, or other third parties if it believes that such disclosure is reasonably necessary to enforce the Terms or Policy; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of its users, or the general public.

(iii) The User is further aware that the Company and its affiliates may share/transfer some or all of the User's personal information with other business entities should the Company (or its assets) plan to merge with, or be acquired by such business entity, or in the event of re-organization, amalgamation, or restructuring of the Company's business. Such business entity or new entity will continue to be bound be the Terms and Policy, as may be amended from time to time.


The Company takes the security of Your data very seriously. The Company works hard to protect the information You provide from loss, misuse, and unauthorized access or disclosure. In order to build Website and products, the Company uses multiple sources of data however, the Company does not use any of Your Personal Information for developing the Website and products. The Company maintains commercially reasonable measures to maintain information security and prevent unauthorized access. Given the nature of communications and information processing technology, the Company cannot guarantee that any information, during transmission through the internet or while stored on Indivest systems or otherwise in Indivest care, will be absolutely safe from intrusion by others. Since no security is fool-proof and in case the Company becomes aware of any breach of security of Your information, the Company will notify You using the email address that it has. If You do not agree to the terms discussed above, You should exit Indivest Website or stop using the same. When You access Indivest Website, You acknowledge that You have read and agreed to abide by the terms described above. The Company will, from time to time, include links to and from the Websites of our partner networks, advertisers and affiliates. If You follow a link to any of these Websites, please note that these Websites have their own privacy policies and that the Company does not accept any responsibility or liability for these policies. Please check these policies before You submit any information to these Websites.


The User is aware that the Company uses third-party advertising companies to serve ads to the users of the Website. The User is aware that these companies may use information relating to the User’s visits to the Website and other websites in order to provide customized advertisements to the User. Furthermore, the Website may contain links to other websites that may collect personally identifiable information about the User. The Company is not responsible for the privacy practices or the content of any of the aforementioned linked websites, and the User expressly acknowledges the same and agrees that any and all risks associated will be borne entirely by the User.


Indivest customer’s privacy is extremely important to Indivest. However, Indivest may disclose certain information obtained to the following:

(i) To Indivest employees, in order to diagnose and resolve any problems or to provide support to You.

(ii) To any other person, who perform services on Indivest behalf, including billing, cashback, survey administration, reconciliation, complaint management, technical or customer support and provision of email and data analytics.

(iii) To the business partners, who can alert You about the new services. Upon receipt of any alert, if You desire to be removed from such alert list, You may inform the sender or unsubscribe from the list as provided in each mail alert.

(iv) In the event that Indivest engage in a merger, acquisition, bankruptcy, dissolution, reorganization, sale of some or all of a part of Indivest assets or stock, financing, public offering of securities, acquisition of all or a portion of Indivest business, a similar transaction or proceeding, or steps in contemplation of such activities (such as due diligence), some or all other information may be shared or transferred, subject to standard confidentiality arrangements.

(v) To engage third party companies or individuals as service providers or business partners to process other information and support Indivest business. These third parties may provide virtual computing and storage services. This may be with or without Your consent.

(vi) With Indivest corporate affiliates, parents and/or subsidiaries with respect to other information provided by the customer;

(vii) To protect and defend the rights, property or safety of the Company or third parties, including enforcing contracts or policies, or in connection with investigating and preventing fraud or security issues.

(viii) If Indivest is required to do so by law, regulation or legal process, such as a court order or in response to legal requests by government agencies or when Indivest believe disclosure is necessary or appropriate to prevent physical, financial or other harm, injury or loss or in connection with an investigation of suspected or actual unlawful activity.


(i) Indivest reserves the right to update, modify and amend any of the terms of Indivest Privacy Policy, at any time without prior intimation to You. Indivest shall not be liable for any failure or negligence on Your part to review the updated Privacy Policy before accessing or using the Website. Your continued use of the Website, following changes to the Privacy Policy, will constitute Your acceptance of those changes.

(ii) Indivest understands that all Personal Information provided by You to Indivest is voluntary. Collection, use and disclosure of Personal Information require Your express consent unless there are other legal grounds available to us to collect such information as further specified in this Privacy Policy. By using or accessing the Websites or otherwise providing Indivest with Your Personal Information, where applicable, You are providing Indivest with Your consent to Indivest use, collection, retention, transfer and disclosure of the Personal Information in accordance with the terms of this Privacy Policy.

(iii) In the event of a change in the law applicable to data protection in India, You hereby expressly consent to Indivest continued use, storage, collection and disclosure of Your Information including Personal Information to the fullest extent permitted under such applicable law. Indivest may reach out to You for obtaining additional consents and as required under the amended law and You will be required to comply with such requests. Should You choose to not provide Indivest with such additional consents, Indivest may have to discontinue Your access to the Websites.

(iv) You may choose to not provide Indivest with or withdraw any or all information included under Personal Information, but in the event that You do so, Indivest may be unable to allow You to access the Website or otherwise avail services for the provision of which Your information is being collected or processed.


User expressly consents to the collection, use, disclosure & storage of the information provided/disclosed by the User on the Website in accordance with this Policy.


If You have any concerns or questions in relation to Indivest Website or this Privacy Policy, You may address them to:

Email: [email protected]

Address: B-410, Knox Plaza Chincholi Bundar Road, Malad West Mumbai, Maharashtra- 400064


The website may provide information about various loan products, insurance products, credit scores & links to other websites or resources over which does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that is providing these information & links only as a convenience, and further agree that is not responsible for the veracity of such information. Please note that users are advised to independently verify the information & do other requisite due diligence before making any decision and that nor its employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website. And further that user’s use of links to such external websites are subject to the terms of use and privacy policies located on those sites.