Privacy policy | Dhansanchay

Dhansanchay is an AMFI-registered Mutual Fund Distributor (ARN-171748). To service your investments we hold some of your personal information. Under India's Digital Personal Data Protection Act, 2023, that makes us a Data Fiduciary — responsible for using your information only for the purpose you gave it to us, and for keeping it safe. This page explains how we do that.

What we hold

If you invest through us, the information we hold may include:

Identity and KYC details — name, date of birth, PAN, address, KYC status, and copies of KYC documents you have given us.
Contact details — mobile number, email address and postal address.
Bank details — accounts registered with your folios, for payouts, SIPs and mandates.
Nominee and family details — nominees on your folios, and which family members' accounts you have asked us to view together.
Investment records — folios, holdings, SIPs and transactions in the mutual funds you hold through us, as reported by the fund houses and their registrars (CAMS and KFintech).
Tax-residency details — FATCA/CRS declarations, where applicable.
Other holdings you choose to share — for example fixed deposits or policies, so we can see your investments as a whole.
Our communications with you — emails, messages and notes of your review meetings and service requests.

If you only use this website — the contact form or calculator email features — we collect just what you enter: typically your name, email address, mobile number and city. We use ordinary hosting and page-load analytics (page views, device type, in aggregate) and no invasive trackers.

Why we hold it

To process your investments, SIPs, switches and redemptions.
To complete and maintain KYC and other requirements of SEBI, AMFI, fund houses and registrars.
To prepare your portfolio reviews and statements, and to service your requests.
To send you service communications — review invitations, reminders, statements and our client letter, The Compounding Life.
To answer your questions and resolve your complaints.

We do not use your information for any purpose unrelated to servicing your investments.

Where it comes from

Most of it comes from you directly. Your investment records also reach us from the fund houses, their registrars (CAMS and KFintech) and BSE StAR MF, because we are the distributor on your folios.

Who we share it with

We do not sell, rent or trade your personal information. We share it only as needed to service you:

Fund houses, their registrars (CAMS, KFintech), KYC registration agencies and BSE StAR MF — to carry out your transactions and KYC.
Technology providers who work on our behalf — our portfolio platform (WealthMagic), Microsoft 365 and Microsoft Azure for secure storage and email, and WhatsApp for messages you receive from us. They may use your information only to provide their service to us.
Regulators, tax authorities or courts — where the law requires it.

Some of these providers may store data outside India, as Indian law permits.

How we keep it safe

Client records are held on access-controlled, encrypted cloud systems. Access within Dhansanchay is limited to people who need it to service your account. This website does not store passwords, full bank account numbers or PAN. Website form submissions are encrypted in transit.

How long we keep it

We keep your information while you invest through us. After the relationship ends, we keep what we are required to keep under SEBI, AMFI and tax record-keeping rules, and delete the rest once those periods are over.

If we get something wrong

We are a small, careful team, but we are human. If any detail we hold about you is wrong or out of date, or if you ever receive a document meant for someone else, please tell us straight away — we will correct it, retrieve the misdirected item where we can, and confirm back to you.

If your information is ever exposed in a way it should not have been, we will tell you promptly — what happened, what it means for you, and what we are doing about it — and report it to the Data Protection Board of India as the law requires.

Your rights

You can ask us to:

tell you what personal information we hold about you and how we use it;
correct, complete or update it;
erase it — except what we must keep by law, or still need to service investments you hold through us;
stop using it — in which case we may be unable to continue servicing your investments;
let a person you nominate exercise these rights on your behalf.

Write to [email protected] from your registered email address, or call us from your registered mobile number, and mention your name and PAN (or your client code) so we can identify you. We aim to respond within seven working days.

Questions and complaints

For any question or complaint about how we handle your personal information, contact:
Bhanu Pratap Jain, Founder & CEO
Email: [email protected]
Phone: +91 88110 42304
Dhansanchay, 1st Floor, Ankit Towers, S.R. Lohia Road, Tinsukia — 786 125, Assam.

We will resolve every complaint within 30 days. If you are not satisfied with our response, you may complain to the Data Protection Board of India.

Unsubscribing from The Compounding Life

You can stop receiving our client letter at any time through the link in any issue, or by writing to [email protected]. We will remove you within 48 hours. Transaction and statement communications continue while you invest through us.

Last updated: September 2026.