1. Introduction
Planfi ("we", "us", "our", or "Company") operates the Planfi application (the "Service").
This page informs you of our policies regarding the collection, use, and disclosure of personal data
when you use our Service and the choices you have associated with that data.
2. Data Collection
We collect several different types of information for various purposes to provide and improve our Service to you.
2.1 Personally Identifiable Information
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used
to contact or identify you ("Personal Data"). This includes, but is not limited to:
- Email address
- Name and surname
- Phone number
- Financial information (investment holdings, transactions)
- Account credentials (encrypted)
- Cookies and usage data
2.2 Financial Data
When you link your Zerodha account or upload transaction data, we collect:
- Holdings and positions
- Transaction history
- Portfolio performance metrics
- Market data and valuations
3. Data Usage
Planfi uses the collected data for various purposes:
- To provide and maintain our Service
- To notify you about changes to our Service
- To allow you to participate in interactive features of our Service
- To provide customer support and respond to your requests
- To gather analysis or valuable information so that we can improve our Service
- To monitor the usage of our Service
- To detect, prevent and address technical issues and fraud
4. Data Security
The security of your data is important to us, but remember that no method of transmission over the Internet
or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect
your Personal Data, we cannot guarantee its absolute security.
- Encryption: Sensitive data is encrypted using AES-128 (Fernet) encryption at rest
- Access Control: Only authorized personnel can access personal data
- Audit Logging: All data access is logged for compliance
- Secure Communication: HTTPS/TLS for all data transmission
- Token Management: API tokens are encrypted and securely stored
5. Data Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties.
Your data may be shared only in these limited circumstances:
- Service Providers: We may share data with trusted third parties who assist in operating our service
- Legal Requirements: If required by law or court order
- Zerodha Integration: Limited data shared only with Zerodha for import functionality (read-only)
- Fraud Prevention: To detect and prevent fraud and unauthorized access
6. Data Retention
We retain your personal data only for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy.
- Active Account Data: Retained while your account is active
- Audit Logs: Retained for 2 years for compliance and security
- Backup Data: Deleted after 30 days of account closure
- Cookies: Deleted when you clear browser cookies or after expiration
7. Your Rights
You have the following rights regarding your personal data:
- Right to Access: You can request a copy of your personal data
- Right to Correction: You can request correction of inaccurate data
- Right to Deletion: You can request deletion of your data
- Right to Portability: You can request your data in a portable format
- Right to Withdraw Consent: You can withdraw consent for specific data processing
8. Regulatory Compliance
Planfi complies with applicable data protection regulations including:
- GDPR (General Data Protection Regulation EU)
- DPDP Act (Digital Personal Data Protection Act - India)
- RBI Guidelines (Reserve Bank of India)
- SEBI Regulations (Securities and Exchange Board of India)
9. Cookies
We use cookies to enhance your experience. You can control cookie settings through your browser.
Disabling cookies may affect some functionality of the Service.
10. Changes to This Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting
the new Privacy Policy on this page and updating the "Last Updated" date above.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us at:
- Email: privacy@planfi.app
- Support Portal: support.planfi.app
- Data Protection Officer: dpo@planfi.app
Your privacy is important to us. We are committed to protecting your personal data
and maintaining transparency about how we collect and use your information.