Disclaimer

Introduction

AKMAY Enterprise LLP ("AKMAY", "we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website akmayenterprise.in or use our financial advisory services.

By using our website or services, you consent to the data practices described in this policy. If you do not agree, please discontinue use of our services.

Information We Collect

Personal Information You Provide

When you use our services, submit enquiry forms, or communicate with us, we may collect:

• Identity Information: Full name, date of birth, PAN number, Aadhaar number (for KYC compliance)
• Contact Information: Email address, phone number, postal address
• Financial Information: Bank account details, Demat account details (DP ID, Client ID), investment preferences, income range
• Communication Data: Messages, enquiries, feedback, and correspondence with our team
• KYC Documents: PAN card, Aadhaar, passport, cancelled cheque, Client Master Report (CMR) as required by SEBI/AMFI/IRDAI regulations

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address, browser type, device type and operating system
• Pages visited, time spent, referring URLs
• Cookies and similar tracking technologies (see our Cookie section below)

How We Use Your Information

We use your personal information for the following purposes:

• Service Delivery: To process investment transactions, facilitate buy/sell orders, and complete KYC verification as required by regulatory authorities
• Advisory Communications: To provide personalised investment recommendations, portfolio updates, and market insights
• Legal & Regulatory Compliance: To comply with SEBI, AMFI, IRDAI, PMLA, and other applicable regulations including record-keeping requirements
• Customer Support: To respond to your enquiries, resolve complaints, and improve our services
• Marketing: To send you relevant information about our services, market research, and newsletters (with your consent, and you may opt out at any time)
• Security: To detect, prevent, and address fraud, security incidents, and other harmful activities

Information Sharing & Disclosure

We may share your information in the following limited circumstances:

• SEBI-Registered Brokers & DPs: To facilitate investment transactions on your behalf as instructed by you
• AMCs & RTAs: For mutual fund transactions, folios, and portfolio statements
• Insurance Companies & Intermediaries: For processing insurance applications and claims
• Regulatory Authorities: SEBI, AMFI, IRDAI, income tax authorities, and financial intelligence units as required by law
• Service Providers: IT service providers, data analytics providers, and communication platforms under strict confidentiality obligations
• Legal Requirements: When required by court order, law enforcement, or other legal processes

Data Security

We implement industry-standard technical and organisational security measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted to and from our website
• Restricted access to personal data on a need-to-know basis
• Regular security assessments and employee data privacy training
• Secure storage of KYC documents in compliance with regulatory requirements

While we take every precaution, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory obligations (SEBI requires minimum 5-year retention of client records)
• Resolve disputes and enforce our agreements

KYC documents are retained for a minimum of 5 years after the end of the business relationship, as required by PMLA regulations.

Your Rights

Subject to applicable law, you have the following rights regarding your personal data:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal data (subject to legal and regulatory retention requirements)
• Opt-Out: Unsubscribe from marketing communications at any time via the unsubscribe link in our emails
• Grievance: Lodge a complaint with our Grievance Officer (details below)

Cookies Policy

Our website uses cookies and similar technologies to enhance your experience. We use:

• Essential Cookies: Necessary for the website to function correctly
• Analytics Cookies: To understand how visitors interact with our website (e.g., Google Analytics)
• Preference Cookies: To remember your settings and preferences

You can control cookie settings through your browser. Disabling cookies may affect some website functionality.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

Grievance Officer

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We will notify you of material changes by posting the updated policy on this page with a revised "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

Acceptance of Terms

By accessing or using the website akmayenterprise.in or any services provided by AKMAY Enterprise LLP ("AKMAY", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree to these Terms, please discontinue use immediately.

These Terms constitute a legally binding agreement between you ("User", "Client", "you") and AKMAY Enterprise LLP, a Limited Liability Partnership registered in India.

Description of Services

AKMAY Enterprise LLP provides the following financial advisory and distribution services:

• Pre-IPO & Unlisted Share Advisory: Identification, due diligence, and facilitation of Pre-IPO and unlisted equity transactions through SEBI-registered entities
• Mutual Fund Distribution: Distribution of mutual fund schemes of SEBI-registered Asset Management Companies through AMFI-registered channels
• Fixed Deposit Advisory: Advisory and facilitation of Corporate and NBFC Fixed Deposit investments
• Insurance Advisory: Distribution of life, health, and general insurance products through IRDAI-registered intermediaries
• Physical to Demat: Advisory and facilitation for dematerialisation of physical share certificates through SEBI-registered Depository Participants

AKMAY reserves the right to modify, suspend, or discontinue any service at any time without prior notice.

User Eligibility

To use our services, you must:

• Be at least 18 years of age and legally competent to enter into contracts under Indian law
• Be a citizen or legal resident of India with a valid PAN card
• Have a valid Demat account with a SEBI-registered Depository Participant (for equity investments)
• Complete KYC verification as required by applicable regulations
• Provide accurate, complete, and current information

KYC & Regulatory Obligations

In compliance with SEBI regulations and the Prevention of Money Laundering Act (PMLA) 2002, AKMAY is required to verify the identity of all clients. You agree to:

• Provide valid KYC documents as requested (PAN, Aadhaar, address proof, bank details, CMR)
• Ensure all information provided is accurate and up-to-date
• Promptly notify AKMAY of any changes to your personal information, financial status, or investment objectives
• Comply with all applicable Indian tax laws, including disclosing capital gains in your Income Tax Return

Transaction Terms

Pre-IPO & Unlisted Shares

• All quoted prices are indicative. Final transaction price is confirmed at the time of booking
• Payment must be made via RTGS/NEFT/IMPS only. Cash transactions are strictly not accepted
• Shares will be credited to your Demat account within T+2 working days after payment realisation
• AKMAY does not guarantee liquidity or a minimum return on any unlisted security
• Once a transaction is confirmed and funds transferred, cancellation is at AKMAY's discretion

Mutual Funds

• Mutual fund transactions are processed at applicable NAV as per SEBI regulations
• Cut-off timings for same-day NAV applicability are as per the scheme's offer document
• AKMAY earns distributor commission from AMCs on regular plan investments. Direct plan investments involve no commission

Fees & Charges

AKMAY Enterprise LLP's fee structure is as follows:

• Advisory Fee: Charged on case-by-case basis, disclosed upfront before any transaction
• Mutual Fund Distribution: Trail commission earned from AMC; disclosed in accordance with AMFI guidelines
• Insurance Distribution: Commission paid by insurer; disclosed as per IRDAI norms
• Physical to Demat: Advisory fee plus DP processing charges (₹25–₹50 per certificate plus taxes)

All fees are inclusive of applicable GST unless stated otherwise. AKMAY reserves the right to revise its fee structure with reasonable prior notice.

Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, research reports, and software — is the intellectual property of AKMAY Enterprise LLP or its licensors and is protected by applicable Indian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent. Personal, non-commercial use of website content is permitted provided attribution is given.

Prohibited Conduct

You agree not to use our website or services to:

• Provide false, misleading, or fraudulent information
• Conduct money laundering, terrorist financing, or any other illegal financial activity
• Engage in market manipulation or insider trading
• Interfere with the security or integrity of our website or systems
• Scrape, crawl, or systematically extract data from our website without permission
• Impersonate AKMAY or any of its employees or affiliates

Limitation of Liability

To the maximum extent permitted by applicable law, AKMAY Enterprise LLP shall not be liable for:

• Investment losses arising from market fluctuations, company performance, or regulatory changes
• Delays in transaction processing caused by third-party entities (brokers, DPs, RTAs, AMCs)
• Technical failures, system outages, or interruptions to the website
• Any indirect, consequential, special, or punitive damages
• Actions taken by regulatory authorities affecting your investments

AKMAY's total aggregate liability to any user shall not exceed the fees actually paid by that user to AKMAY in the 12 months preceding the event giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless AKMAY Enterprise LLP and its partners, employees, and agents from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising from your breach of these Terms, your use of our services, or your violation of any applicable law.

Dispute Resolution & Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation.

If not resolved within 30 days, disputes shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996, with a single arbitrator appointed by mutual agreement. The seat of arbitration shall be Mumbai, Maharashtra, India.

For regulatory disputes related to securities transactions, you may also approach SEBI's SCORES (SEBI Complaint Redressal System) or the relevant stock exchange's investor grievance cell.

Termination

AKMAY reserves the right to terminate or suspend your access to our services at any time, with or without cause, including for violation of these Terms, non-compliance with KYC requirements, or fraudulent activity. Termination does not affect any rights or obligations that arose prior to termination.

Changes to Terms

We may update these Terms from time to time. Material changes will be communicated by posting a notice on our website. Your continued use of our services after the effective date of changes constitutes acceptance of the revised Terms. We recommend reviewing these Terms periodically.