Privacy Policy

Munexa Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at [Insert Registered Address], India, and bearing Corporate Identification Number (CIN): [Insert CIN] (“Company”, “we”, “our”, or “us”), owns and operates the website www.altorinvest.com (“Website” or “Platform”).

This Privacy Policy describes how we collect, use, store, protect, and disclose your information when you use our Platform. By accessing or using our Platform, you agree to this Privacy Policy. If you do not agree, you must discontinue using the Platform immediately.

This Privacy 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, and
• Other applicable Indian laws.

1. Applicability

This Privacy Policy applies to:

• All Users (“you”, “your”) who access or use the Platform.
• All information collected online through the Website, mobile app, forms, or third-party integrations.

2. Information We Collect

We may collect the following types of information:

(a) Personal Information

• Name, gender, date of birth, address, email ID, phone number.
• PAN, Aadhaar, passport, voter ID, or other KYC documents.

(b) Financial & Sensitive Personal Data

• Bank account details, UPI ID, credit/debit card details.
• Investment details, income proofs, credit history.
• Login credentials, passwords (encrypted).

(c) Non-Personal / Technical Information

• IP address, browser type, device ID, operating system.
• Website usage patterns, cookies, log data.

3. How We Collect Information

• Directly: When you register, submit forms, complete KYC, or contact us.
• Automatically: Through cookies, analytics tools, server logs.
• From Third Parties: Credit bureaus, KYC service providers, payment gateways, verification agencies, regulatory databases.

4. Purpose of Collection & Use

Your information may be used for:

• Identity verification & KYC/AML compliance.
• Enabling investment-related transactions.
• Processing payments and settlements.
• Sending transaction alerts, statements, and service updates.
• Offering promotions, offers, and marketing (with consent).
• Improving services, research, and analytics.
• Legal, regulatory, and statutory compliance.

5. Disclosure of Information

We may share your information with:

• Service Providers: KYC agencies, payment processors, cloud hosting providers, IT support.
• Regulators / Authorities: SEBI, RBI, tax authorities, law enforcement, or as legally required.
• Business Partners: Trustees, SPVs, financial institutions, affiliates (with your consent).
• Legal Obligations: To comply with court orders, government requests, or law enforcement requirements.

We will never sell your personal information to unaffiliated third parties.

6. Cookies & Tracking

• We use cookies, beacons, and tracking tools for analytics, performance, and personalization.
• You may disable cookies in your browser; however, some features may not work properly.

7. Data Retention

• We retain your information for as long as your account is active and thereafter as required by applicable laws (e.g., tax/regulatory requirements).
• Once no longer required, we securely delete or anonymize the data.

8. User Rights

You have the right to:

• Access and review your personal data.
• Update, correct, or delete your data (subject to regulatory requirements).
• Withdraw consent for marketing communications.
• Request restriction of processing or data portability (where applicable).

Requests can be made by contacting our Grievance Officer (details below).

9. Data Security

• We use industry-standard security measures (encryption, firewalls, access controls) to protect your data.
• We comply with “Reasonable Security Practices” under the IT Act and ISO standards.
• While we take all precautions, no system is 100% secure, and we disclaim liability for breaches beyond our reasonable control.

10. Third-Party Links & Services

• Our Platform may link to third-party websites and services.
• We are not responsible for their privacy practices or content. Please review their policies before sharing information.

11. Children’s Privacy

• Our services are intended only for individuals 18 years and older.
• We do not knowingly collect data from minors. If such data is found, it will be deleted immediately.

12. Grievance Redressal

In compliance with Rule 5(9) of the SPDI Rules, we have appointed a Grievance Officer:

Name: [Insert Name]

Designation: Grievance Officer

Email: [Insert Email ID]

Phone: [Insert Phone]

Address: [Insert Office Address]

13. Updates to this Policy

• The Company may modify this Privacy Policy from time to time.
• Updates will be posted on the Website with the “Last Updated” date.
• Continued use of the Platform after changes implies acceptance of the revised Policy.