Privacy Policy

Welcome to GrowMint. Your privacy is important to us, and we are committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, share, store, and protect your information when you access or use the GrowMint platform.

GrowMint is a product owned and operated by ANV Fintech Private Limited, a company incorporated under the Companies Act, 2013 ("Company", "we", "our", or "us"). This Privacy Policy should be read together with the GrowMint Terms of Use.

1. Scope and Applicability

This Privacy Policy applies to all users ("User", "you", "your") who:

• Access or use the GrowMint mobile application or website (the "Platform"); or
• Provide personal or financial information to us for any purpose related to the Platform or Services.

For the purposes of this Policy, Personal Information means any information that identifies or can reasonably be linked to an individual, either directly or indirectly. Information that is publicly available or anonymised is not considered Personal Information.

This Policy is published in compliance with:

• The Information Technology Act, 2000
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• RBI Account Aggregator (AA) framework requirements

2. User Consent and Acknowledgement

By accessing or using the Platform, creating an account, or providing your information, you:

• Explicitly consent to the collection, use, storage, and sharing of your Personal Information as described in this Policy;
• Acknowledge that your data may be stored on secure servers in India or processed by authorised third-party service providers;
• Agree that this Policy forms an integral part of the GrowMint Terms of Use.

You understand that while we implement industry-standard security measures, no method of data transmission over the internet is completely secure.

3. Information We Collect

A. Information You Provide Voluntarily

We may collect the following information when you register or interact with the Platform:

• Full name, mobile number, email address
• Date of birth and address details
• PAN (Permanent Account Number)
• Profile-related details such as financial goals and preferences

B. Financial Information via Account Aggregator

With your explicit and revocable consent, we collect financial information through RBI-licensed Account Aggregators, including Finvu Account Aggregator, such as:

• Bank account balances and transactions
• Mutual fund holdings
• Equity, ETF, and other investment data

GrowMint does not store your bank login credentials and receives data only in encrypted form via the Account Aggregator ecosystem. Your use of Account Aggregator services is also governed by Finvu's terms and privacy policy.

C. Automatically Collected Information

When you use the Platform, we may automatically collect:

• IP address
• Device identifiers and device information (OS, app version)
• Log data, timestamps, pages viewed, and usage patterns
• Cookies or similar technologies for analytics and session management

D. Communications

We may record or retain:

• Customer support interactions
• Emails, chat messages, or feedback shared with us

4. Use of Firebase and Analytics Tools

GrowMint uses third-party tools such as Firebase, crash analytics, and performance monitoring services to:

• Improve app stability and performance
• Understand usage trends
• Detect and prevent fraud or abuse

These service providers process data on our behalf and are contractually obligated to maintain confidentiality and security.

5. How We Use Your Information

We use your information for the following purposes:

• Providing and operating the Platform and Services
• Displaying aggregated financial data and insights
• Facilitating secure account linking via Account Aggregators
• Responding to user queries and providing customer support
• Improving product features and user experience
• Complying with legal, regulatory, and audit requirements
• Detecting, preventing, and investigating fraud or security incidents

6. Data Accuracy Disclaimer

GrowMint displays financial and investment data strictly as received from third-party sources, including banks, financial institutions, and Account Aggregators.

We do not guarantee the accuracy, completeness, or timeliness of such data and shall not be responsible for discrepancies, delays, or errors originating from third-party systems.

7. Sharing of Information

We may share your Personal Information only in the following circumstances:

• With Finvu Account Aggregator and other RBI-licensed Account Aggregators, based on your explicit consent
• With trusted third-party service providers (cloud hosting, analytics, customer support) under strict confidentiality obligations
• With regulators, government authorities, or law enforcement agencies where required by law
• Within ANV Fintech Private Limited for internal operations and compliance

We do not sell or rent your Personal Information to third parties.

8. Data Retention

We retain your Personal Information only for as long as necessary to:

• Provide the Services
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements

Financial and consent-related data may be retained for periods mandated under applicable laws, even after account deletion.

9. Data Security

We implement reasonable and industry-standard security practices, including:

• Encryption of data in transit and at rest
• Role-based access controls
• Secure cloud infrastructure

Despite these measures, we cannot guarantee absolute security and disclaim liability for breaches beyond our reasonable control.

10. Children's Privacy

GrowMint is not intended for individuals under the age of 18.

We do not knowingly collect Personal Information from minors. If such information is provided inadvertently, it will be deleted upon becoming aware, unless retention is required by law.

11. Your Rights

Subject to applicable laws, you have the right to:

• Access and review your Personal Information
• Request correction of inaccurate data
• Withdraw consent provided to us
• Request deletion of your Personal Information
• Request data portability, where applicable

Requests may be made by contacting us using the details below.

12. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for their privacy practices and encourage you to review their policies separately.

13. Changes to this Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting on the Platform. Continued use of the Platform signifies acceptance of the updated Policy.

14. Grievance Redressal

If you have any questions, concerns, or complaints regarding this Privacy Policy or your data, please contact:

15. Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Courts at Mumbai shall have exclusive jurisdiction.