Privacy Policy

Thank you for visiting our website, www.meradhan.co ("Platform").

BondNest Capital India Securities Private Limited (also referred to as "MeraDhan," "Company," "we," "us," or "our") places utmost importance on the protection and privacy of the information submitted by clients, users, distributors, and visitors (collectively referred to as "Users/You"). This Privacy Policy explains the nature of personal and non-personal information we collect, the purpose behind its collection, how we use it, and details regarding processing, sharing, and transfer of personal information. By using MeraDhan’s website and mobile applications ("Platform"), you acknowledge, understand, and consent to this Privacy Policy and any future amendments.

You acknowledge that you are not a minor (i.e., above 18 years of age), are competent to enter into a contract, and that you are voluntarily providing your personal information. The Platform is not intended for use by minors. If any personal data of a minor is inadvertently shared with us, the parent or guardian should contact us at support@meradhan.co.

If you use our services on behalf of another individual (as a Guardian, Power of Attorney holder, or Authorized Representative), you represent that you have obtained consent from the concerned individual and are authorized to accept this Privacy Policy on their behalf.

If you do not agree with the terms of this Privacy Policy, you may discontinue using the Platform.

This Privacy Policy complies with the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011.

We may update this Privacy Policy periodically. Your continued use of the Platform constitutes acceptance of any changes.

This Privacy Policy is governed by the laws of India.

1. Information Collection

We may collect the following types of information:

I. Personal Information: Data that can identify you, such as your name, email address, contact details, physical address, demographic details (e.g., gender, pin code), and sensitive personal data, including passwords, nominee details, financial information (bank/demat account details, transactional data, etc.).

II. Non-Personal Information: Data that does not personally identify you, such as session data, log data, web beacons, usage statistics, and aggregate information. This helps us customize our Platform to user preferences, enhance functionality, and analyze traffic trends.

You confirm that the information provided is accurate, up-to-date, and that you have the rights and consent to share such information.

2. Methods of Information Collection

We collect user information through:

1. Platform registration and service usage
2. Social media interactions (e.g., Twitter/X, Instagram, LinkedIn, Facebook, Pinterest)
3. Publicly available sources or legal disclosures (e.g., KYC records, CKYC, RTI disclosures)
4. Subscriptions to newsletters, press releases, or surveys
5. Uploaded documents, photographs, and voice recordings for verification
6. Customer support interactions and recorded calls
7. Web cookies, logs, and analytics tools
8. Information shared through distributors, referrers, and third-party sources
9. Records of interaction with MeraDhan representatives
10. Usage details such as time, frequency, duration, and pattern of use
11. Internet protocol address, browser type, operating system, referring URL, files accessed, and other visitor details
12. Information provided by users when posting on social media
13. Information captured in our web logs such as device information, screen dimensions, IP address, and browser type
14. Information shared for marketing communications or surveys
15. Information submitted via third-party partners or service providers
16. Information obtained from publicly available sources
17. Voice recordings of customer service calls for quality monitoring
18. Digital signatures or biometric information required for e-KYC verification

3. Use of Information

We use and process user information (Personal and Non-Personal) for various purposes, including:

1. Providing, administering, and fulfilling services
2. Processing transactions and service requests
3. Sending alerts and notifications
4. Conducting KYC and identity verification
5. Security, fraud detection, and compliance monitoring
6. Marketing, advertising, and promotional campaigns
7. Enhancing user experience and improving service offerings
8. Complying with legal and regulatory obligations
9. Sharing data with service providers, financial institutions, or authorized third parties
10. Providing customer support and resolving queries
11. Managing business relationships and engaging with potential users
12. Ensuring the security and operation of IT infrastructure
13. Displaying customized content based on user interests
14. Sharing distributor and referrer information with relevant clients
15. Detecting and preventing fraudulent activities
16. Analyzing data for research, audits, and reporting
17. Facilitating career opportunities with MeraDhan
18. Enabling seamless integration with third-party platforms
19. Improving internal business processes and decision-making
20. Complying with requests from government and regulatory authorities
21. Conducting internal audits and investigations
22. Processing user feedback for service enhancement
23. Automating data analysis for trend identification and operational efficiency

We may share information with third-party vendors, clearing corporations, distributors, or partners for service fulfillment and regulatory compliance.

How We Use Your Information

We explain below how we collect, use, and share your information:

1. Processing Your Transactions

When you provide any information or documents to us, we use them to create your account, complete your registration, and process your transactions. This is done based on our mutual discussions and agreements. Any details you share on our platform are used to establish a relationship with us and to carry out transactions with vendors associated with our platform.

To make this possible, we may share your information with authorized third parties such as service providers, financial institutions, stock exchanges, clearing corporations, postal authorities, or other necessary agencies involved in completing the transaction.

2. Customer Support and Marketing

We may use your information to update you about new products or services available on our platform. If required, we may also share your details with third-party service providers to show you relevant advertisements online. These service providers collect general browsing information, but they do not gather any personal details.

By using our services, you agree that we and our partners may access and share your details for necessary purposes, such as verifying bank or demat account details and updating your profile as per the information provided.

3. Sharing of Personal Information

KYC Data: As we offer various financial products and services, we may share your KYC (Know Your Customer) details with the relevant service providers, including group or partner companies, to help you transact smoothly.

Secure Payment: All payment transactions happen through trusted and secure payment gateways that use the latest security measures. However, we advise you to be cautious when saving your payment details.

Mergers and Acquisitions: If our company merges with or is acquired by another entity, your information may be shared with the new entity, ensuring it follows the same privacy policies as ours.

4. External Links and Third-Party Websites

Our platform may have links to other websites or mobile applications. If you choose to visit them, their privacy policies will apply, and we are not responsible for how they handle your data. We recommend reviewing their privacy policies before sharing any personal information with them.

5. Data Sharing with Third Parties

To improve our services, we may share your information with third-party vendors, service providers, distributors, and marketing partners. This helps us understand customer preferences, analyze trends, and enhance business operations. In some cases, we may also share data with auditors or legal advisors to ensure compliance with laws and regulations. Any such sharing will be done under agreements that protect your rights as per applicable laws.

We take your privacy seriously and ensure that your information is handled securely and transparently at all times.

4. Security Measures

While we implement reasonable security measures, no internet transmission is fully secure. To enhance security, we:

• Use encryption and secure access controls
• Implement physical, managerial, and technical safeguards
• Require OTP/password verification for account access

Users must maintain the confidentiality of their credentials and access to their accounts.

5. Data Storage and Retention

Your information is primarily stored in electronic form, though some records may be maintained in physical form. We may engage third-party service providers for secure data storage.

Personal data retention varies based on regulatory and legal obligations. If no transaction or KYC verification is completed, we may delete user data upon request. However, for completed transactions or verified KYC data, regulatory requirements mandate longer retention.

6. Cessation of Relationship and Data Deletion

Users without KYC or Transactions: Upon request, personal data will be deleted unless retention is legally required.

Users with KYC or Transactions: Due to regulatory compliance (e.g., PMLA, SEBI regulations), certain data must be retained for legal, audit, and dispute resolution purposes. After regulatory retention periods expire, data will be purged.

Post-Deletion Impact: Users will lose access to their accounts, and requests for reactivation may be declined.

7. Social Media Interactions

We collect engagement data from our social media platforms, such as comments, ratings, and interactions. By engaging with our social media accounts, you consent to such data collection.

8. Do Not Call (DNC) Waiver

By using our Platform, you consent to being contacted by our representatives via SMS, email, WhatsApp, and phone calls, even if your number is registered on a Do Not Call (DNC) registry.

9. Liability Limitation

The Company, its affiliates, and service providers shall not be liable for damages exceeding INR 1,000 per user, including indirect, incidental, or consequential damages.

10. Opt-Out and Data Requests

To opt out of promotional communications or request data deletion, contact us at support@deradhan.co.

11. Privacy Policy Updates

We reserve the right to modify this Privacy Policy at any time. Updated policies will take effect immediately upon posting.

12. Grievance Officer

For grievances or concerns regarding data processing, please contact:

Grievance Officer: 

Name: Arpit Jain

Email: compliance@meradhan.co