How we look after your information
What we collect, why we collect it, who we share it with, and how you stay in control.
Who we are
Vouch Technologies Private Limited (“Vouch”, “we”, “us”) runs the website vouchwealth.com and the Vouch app. We are an AMFI-registered Mutual Fund Distributor (ARN-372626), incorporated in India (CIN U62099RJ2026FTC118656), with our registered office at C-12/1, Chitranjan Marg, C-Scheme, Ashok Nagar, Jaipur 302001, Rajasthan, India.
This policy explains how we handle your personal data under India’s Digital Personal Data Protection Act, 2023 and other laws that apply to us. Under that Act, we are the Data Fiduciary for the personal data described here.
What we collect
Information you give us:
- When you join the waitlist: your name, mobile or WhatsApp number, city and, if you choose, how much you invest each month.
- When you sign in: your mobile number, which we verify with a one-time password (OTP).
- When you open an investment account: details the law requires for KYC, such as your name, date of birth, PAN, address, email, photo and signature, identity and address documents, bank account details, nominee details, tax residency (FATCA) details, occupation and income range.
- Your risk profile, which comes only from the risk questions you answer in the app.
- Your goals, preferences and anything you choose to tell us in chats or calls with your Vouch team.
Information we get from others, with your consent:
- Your mutual fund holdings and transaction history from MF Central and the registrars (CAMS and KFin Technologies), when you ask us to fetch them.
- Your KYC status from KYC registration agencies and the Central KYC Registry.
- Order, payment and mandate status from fund houses, registrars, transaction platforms, banks and payment providers.
Information collected automatically:
- Device and app details, such as device model, operating system, app version, crash reports and basic usage events, so we can keep the app working and secure.
- On the website, anonymous page-view and performance statistics through Vercel Web Analytics and Speed Insights. They do not use advertising cookies.
- If you arrive from an ad, the ad tags in the link (such as utm_source, gclid or fbclid) and the referring site. They are kept in your browser for that visit, and saved with your waitlist signup if you join.
We do not read your SMS inbox, contacts, photos or precise location, and we do not ask for them.
How we use it
- To verify who you are and complete KYC.
- To open and run your mutual fund account, place the transactions you approve, and show you your portfolio.
- To prepare analysis and suggestions for you. Every transaction needs your approval.
- To message you about your account, your transactions and our launch, by SMS, WhatsApp, email or in the app.
- To meet our legal and regulatory duties under SEBI and AMFI rules, the Prevention of Money-laundering Act, 2002 and tax laws.
- To keep our services secure, prevent fraud and fix problems.
- To understand which pages and ads work, using aggregate statistics.
We use automated tools, including AI services from third-party providers, to help our team prepare analysis and answers. We limit the personal details these tools receive to what the task needs, and we do not let providers use your data to train their models.
We do not sell your personal data, and we do not use it for advertising by other companies.
Where we store it and how long we keep it
Your account data is stored mainly on servers in India. Some of our service providers process data in other countries, such as Singapore and the United States. We transfer data abroad only as Indian law allows and with safeguards in our contracts.
We keep your data while your account is open. After you close it, we keep the records the law requires for as long as it requires. For example, the Prevention of Money-laundering Act, 2002 requires certain records to be kept for five years after the relationship ends, and SEBI and AMFI rules require records of transactions. Waitlist details are kept until we launch in your city or you ask us to remove them.
How we protect it
We encrypt data in transit, restrict access to the people and systems that need it, verify sign-ins with an OTP, and log access to sensitive records. No system is perfectly secure. If a breach affects your data, we will tell you and the Data Protection Board of India as the law requires.
Your rights
Under the Digital Personal Data Protection Act, 2023, you can:
- Ask for a summary of the personal data we hold about you and who we have shared it with.
- Ask us to correct, complete or update your data.
- Ask us to erase your data, unless the law requires us to keep it.
- Withdraw any consent you have given. This does not affect anything done before you withdrew it, and we may not be able to keep providing some services without it.
- Nominate another person to exercise these rights if you die or become unable to.
- Raise a grievance with us, and then with the Data Protection Board of India if you are not satisfied.
To use any of these rights, email hello@vouchwealth.com from your registered email or message us from your registered mobile number. We may ask you to confirm your identity first.
Deleting your account
You can delete your Vouch account at any time. Email hello@vouchwealth.com with the subject “Delete my account”, from your registered email or with your registered mobile number in the message.
We will confirm the request and delete your profile, chats, goals and preferences within 30 days. We will keep only the records the law requires us to keep (see section 05), and delete them once the required period ends. Deleting your Vouch account does not redeem or move your mutual fund units. Your folios stay with the fund houses in your name.
Children
Our services are for adults aged 18 and over. We do not knowingly collect data from children. Investments for a minor are made through a parent or legal guardian, with their consent.
Changes to this policy
We will update this page when our practices change and change the date at the top. If a change is significant, we will tell you in the app or by message before it takes effect.
Contact and grievances
Grievance Officer: Arnav Ghatiwala, Director. Email hello@vouchwealth.com, or write to Vouch Technologies Private Limited, C-12/1, Chitranjan Marg, C-Scheme, Ashok Nagar, Jaipur 302001, Rajasthan, India.
We will acknowledge your grievance within 48 hours and aim to resolve it within 30 days.