Privacy Policy
How we collect, use, and protect your personal information.
N Gram Technologies ("we", "us", "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, store, and disclose information when you use our website and services.
Contents
1. Information We Collect
We collect information in the following ways:
| Category | Examples | Source |
|---|---|---|
| Identity & Contact | Name, mobile number, email address | Forms, KYC, WhatsApp |
| Financial | PAN, bank details, investment preferences | Onboarding forms |
| Usage Data | Pages visited, calculator inputs, session duration | Automatically (analytics) |
| Device & Technical | IP address, browser type, OS | Automatically (server logs) |
| Communications | Messages sent to us via contact forms or WhatsApp | You (directly) |
2. How We Use Your Information
We use your personal information to:
- Provide, operate, and improve our mutual fund distribution and BBPS services
- Process investment transactions and communicate account-related updates
- Respond to your enquiries and provide customer support
- Send you relevant financial education content, scheme updates, and service notifications (you may opt out at any time)
- Comply with SEBI, AMFI, and other regulatory requirements including KYC/AML obligations
- Detect and prevent fraud or misuse of our platform
- Conduct internal analytics to improve our tools and user experience
3. Data Sharing
We do not sell your personal information. We may share it with:
- Asset Management Companies (AMCs) — to process your mutual fund transactions
- Registrar & Transfer Agents (RTAs) such as CAMS and KFintech — for record-keeping
- Regulatory bodies — SEBI, AMFI, PMLA authorities, and other government agencies as required by law
- Technology service providers — hosting, analytics, and communication tools operating under appropriate data processing agreements
- BSE Star MF / NSE NMF platforms — for order processing on exchange platforms
Any third parties we engage are contractually required to maintain confidentiality and use your data only for the purposes we specify.
4. Data Security
We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. These include encrypted data transmission (HTTPS), access controls, and regular security reviews.
However, no method of transmission over the internet is completely secure. While we strive to protect your data, we cannot guarantee absolute security.
5. Cookies & Tracking
Our website uses cookies and similar technologies to enhance your browsing experience and understand site usage. These include:
- Essential cookies — required for the site to function correctly
- Analytics cookies — help us understand how visitors use our site (e.g., Google Analytics)
- Preference cookies — remember your language and display settings
You can control cookie settings through your browser. Disabling certain cookies may affect some site features.
6. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your data (subject to regulatory retention requirements)
- Withdraw consent for marketing communications at any time
- Lodge a complaint with the appropriate data protection authority
To exercise these rights, please contact us at support@ngram.co.in.
7. Children's Privacy
Our services are not directed to children under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take steps to delete it.
8. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. We will notify you of significant changes by posting the updated policy on this page with a revised date. We encourage you to review this policy periodically.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please reach out to us:
- Email: support@ngram.co.in
- Phone / WhatsApp: +91 94434 04361
- Address: N Gram Technologies, Tamil Nadu, India