Privacy Policy

Privacy Policy

Effective Date: 5 January 2023

This Privacy Policy outlines how Real Value (“Real Value Enterprises PVT LTD"), owner of the website www.realvaluefin.com, handles the collection, use, and sharing of your personal and sensitive information. By using our Services, you consent to the practices described in this policy.

Legal Basis for Collecting Information

We collect and process your information to provide and manage our services and to comply with statutory requirements. Processing is based on your consent, which you may withdraw at any time; however, this may affect the availability of some services.

Types of Information We Collect

• Registration Information: Name, address, contact details, age, gender, Income, PAN, and GST numbers.
• Service Usage Data: Location, device identifiers, IP address, usage data, and technical details.
• Support Communication Data: Information provided during support interactions or shared through our communication tools.

How and Why We Collect Your Information

We collect information to:

• Personalize and enhance your user experience.
• Send service notifications and updates.
• Contact you for surveys, research, promotions, and events.
• Understand user behaviour and improve our services.
• Protect our users and prevent fraudulent activities.

We may also collect information from trusted third-party sources to enhance and validate your data.

Sharing with Third Parties

We do not share your personal information with third parties unless required by law or to complete the transaction or service. However, transactional email services (e.g., Google, Investwell, Redvision, Nsenmf) may use your name and email for service-related communications. Third-party cookies may collect information if you access our website through intermediary platforms.

Prohibited Content

Users must not upload or share any content that:

• Belongs to another person without rights.
• Is harmful, defamatory, obscene, or unlawful.
• Violates proprietary rights, contains malware, or threatens public order.

Unauthorized use may lead to service termination and legal action.

User Controls and Choices

You have the right to:

• Update or delete your account.
• Modify preferences for emails and alerts.
• Request access to your personal data, with the option to amend or delete it.
• Control whether your data is shared with third parties for marketing.
• Choose whether to receive targeted advertising.

You may request your personal information in a structured, machine-readable format. Some rights may only be applicable in specific situations.

Data Retention:

We retain your personal data as long as necessary for service delivery and compliance with legal obligations. Data may be retained longer if required for ongoing legal matters.

Data Security:

We use TLS/SSL protocols and other security measures to protect your data. While we strive for optimal security, no system is infallible. Your data is accessible only to authorized personnel as needed.

Government Disclosure:

We may be required to share your information with authorities for legal compliance.

Global Data Processing:

Your data may be transferred, stored, or processed in other countries for service delivery. By using our services, you consent to this transfer.

Policy Updates:

We may update this policy to reflect new technologies, practices, or regulatory requirements. Notice will be provided through the contact details we have on file.

Contact for Grievances:

Email: support@realvaluefin.com

Comments and Questions:

For any comments or queries regarding this policy, contact us at support@realvaluefin.com. Note that we are not responsible for third-party site privacy practices.

Cookies Policy

What Are Cookies?

Cookies are data files stored on your device by a website. They can enhance site functionality and personalize your experience. You can manage cookie settings through your browser.

Uses of Cookies:

• Authentication: To personalize and secure your user experience.
• Security: To detect and prevent malicious activities.
• Preferences: To remember your settings and preferences.
• Analytics: To measure and improve site performance.

Disabling cookies may affect your user experience and certain service functionalities.

Definitions

• Anonymous Information: Data that does not identify a user directly.
• IP Address: The unique address of your internet connection point.
• Personal Information: Data that can identify an individual, such as name and contact details.
• Sensitive Personal Information: Includes financial information, health data, passwords, and more.

This Privacy Policy ensures transparency and aligns with applicable laws to protect your privacy.

Terms and Conditions for Using Real Value Services

Ownership

Real Value Enterprises Private Limited is a private limited company owned by Rajiv Verma & Ruchika Verma as the main promoter.

Business Address

Real Value Enterprises Private Limited, 106, 1st Floor, DDA Market Near ca Apartment gate no 2, Paschim Vihar, New Delhi, Delhi 110063.

Client Definition

“You,” the user of our services. If you represent a legal entity, you affirm that you have the authority to bind that entity to these terms.

Service Overview

Real Value Enterprises PVT LTD operates as a registered Mutual Fund Distributor with AMFI (ARN: 268843). Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully. Past performance is not indicative of future results and should not be the sole basis for investment decisions.

Using Our Services

Access to our services is available via our online web portal and mobile app.

Compliance with local laws is your responsibility when accessing our services from outside India.

Service use may be subject to restrictions based on your residency, nationality, age, wealth, or income source.

By providing your contact information, you consent to receive service-related communications. You may opt out of non-essential messages but cannot opt out of necessary service, regulatory, or security notifications.

For services accessed by multiple parties, a primary contact must be designated for all communication. Any changes to the primary contact must be submitted in writing.

Acceptance of these terms is indicated by selecting the “I accept” checkbox. Additional consent may be required for certain services.

Responsible and lawful use of our services is expected. Unauthorized use may result in legal action.

Identity & Authentication

Your identity will be established using your contact information, passwords, OTPs, third-party authentication services, or biometric methods.

Instructions authenticated using these methods will be treated as originating from you.

Scope of Services

Your chosen subscription plan will define the available services as per applicable laws.

Third-Party Services

Third-party service partners may be used, and their terms will apply. RealValue enterprises PVT LTD is not liable for any penalties, loss, or damage arising from the actions of these partners.

Security & Liability

You are responsible for maintaining the security of your login credentials. RealValue enterprises PVT LTD is not responsible for unauthorized use of your account.

Graphical data, recommendations, and reviews on our platform are not guarantees of mutual fund performance.

We do not levy charges from your bank for transaction facilitation.

Service Limitations

RealValue enterprises PVT LTD is not liable for loss, taxes, fees, penalties, or damages arising from order processing delays, order rejections, or errors by third parties (RTAs, AMCs, banks, exchanges).

Before transacting, ensure the accuracy of your personal and bank details. We are not liable for errors due to incorrect client information.

Mutual fund transactions are processed via BSE/NSE platforms, subject to guidelines.

Units will be allotted based on the NAV applicable at the time of the application. Real value enterprises PVT LTD is not liable for the correct NAV not being assigned if it is beyond our control.

Fund Transfer & Transaction Processing

We process transactions to BSE/NSE platforms, which in turn manage the transfer to AMC collection accounts. Any delays due to third-party failures or unforeseen circumstances are beyond Real Value enterprises PVT LTD's control.

Cut-off Times & Holidays

Orders placed after cut-off times or on holidays will be processed on the next business day at the applicable NAV.

Compliance with Law

All investments must adhere to SEBI regulations, AMFI guidelines, AMC terms, and other legal frameworks.

NRI clients confirm funds are sourced through approved banking channels and are in compliance with Indian and foreign laws.

Account Termination

To close your account, deactivate ACH/ECS mandates and stop ongoing SIPs. Real Value PVT LTD is not liable for transactions or losses if mandates are not canceled before account closure.

Nomination

The client can appoint a nominee, applicable across all mutual fund units under the same Member ID. For changes in nominee details, submit a duly signed change form.

Changes in Client Details

To change your address, submit the “Master Changes Form” signed by all co-holders. For changes to reflect in AMC records, update KRA/CKYC documentation. Separate forms are needed for other changes.

Consent for C/KYC Information

You authorize Real Value Enterprises PVT LTD to use your C/KYC details for validation and regulatory compliance.

Grievance Redressal

For support or grievances, contact us via email at support@realvaluefin.com or call at . We respond within 2 working days.

Amendments

Real Value PVT LTD reserves the right to amend these terms without prior notice.

Force Majeure

Real Value PVT LTD is not liable for service failure due to systems failures, network errors, or events beyond control (e.g., natural disasters, civil unrest).

Acceptance

By using our services, you confirm understanding and acceptance of these terms. These terms govern your relationship with Real Value Enterprises PVT LTD. If any provision is deemed unenforceable, it will not affect the enforceability of other provisions.