1. Introduction, Identity & Applicability

This Privacy Policy (“Policy”) is issued by Beniss Global Limited (“Company”, “we”, “our”, or “us”), a company incorporated under the Companies Act, 2013, bearing CIN: U68200HR2026PLC141597, with its registered office at Unit No. 6, 9th Floor, M3M Broadway, Sector 71, Gurugram, Haryana - 122018.

This Policy explains how we collect, use, process, store, disclose, and protect personal data of users, investors, customers, vendors, and other stakeholders.

Scope of Application: This Policy applies to all personal data collected via:

• Company website, portals, and digital interfaces
• Physical application forms, KYC documents, and agreements
• Electronic communications and customer support
• Authorised third-party service providers

2. Legal Framework

• Digital Personal Data Protection Act, 2023
• Information Technology Act, 2000 and SPDI Rules
• Applicable regulatory guidelines

3. Definitions

• Personal Data: Any data relating to an identifiable individual
• Sensitive Personal Data: Financial info, KYC documents, Aadhaar
• Processing: Collection, storage, use, sharing, or deletion
• Data Principal: Individual to whom the data relates
• Consent: Free, informed, specific, and unambiguous agreement
• Legitimate Use: Processing permitted under law

4. Categories of Data Collected

We collect only necessary personal data:

A. Identity & Demographic Data

Name, DOB, gender, nationality, PAN, photograph

B. Contact Information

Address, email, mobile number

C. Financial & Transaction Data

Bank details, Demat details, payments, investment preferences

D. KYC & Regulatory Data

KYC documents, CKYC, FATCA declarations

E. Technical Data

IP address, device info, cookies, analytics

F. Communication Data

Emails, SMS, call recordings, support interactions

Important: Sensitive data is collected only with consent and legal permission.

5. Sources of Data

• Directly from users
• KYC agencies
• Banks and payment partners
• Analytics tools
• Third-party providers

6. Purpose of Processing

• Customer onboarding & verification
• Service management
• Transaction processing
• Legal compliance
• Fraud prevention
• Customer support
• Internal audits

7. Legal Basis for Processing

• Consent
• Legal obligations
• Contractual necessity
• Legitimate use

8. Aadhaar and KYC Policy

• Aadhaar is voluntary unless required by law
• Alternative KYC options available
• Data handled as per UIDAI norms
• DigiLocker used only with consent

9. Cookies and Analytics

• Enable functionality
• Improve experience
• Analyze usage

10. Data Sharing and Disclosure

• Service providers
• Banks and institutions
• KYC agencies
• Auditors/legal advisors
• Authorities (as required)

We do not sell personal data.

11. Cross-Border Data Transfer

Data may be transferred outside India with safeguards.

12. Data Retention

Data is retained as required and then securely deleted or anonymized.

13. Data Security

• Encryption (HTTPS)
• Access controls
• Security monitoring

14. Data Breach Handling

• Immediate action
• Investigation
• Notification (if required)

15. Rights of Data Principal

• Access data
• Correction
• Withdraw consent
• Erasure request
• Grievance redressal
• Nomination rights

16. Grievance Redressal

Grievance Officer
Beniss Global Limited
Email: info@benissglobal.com
Address: [Insert Address]
Phone: [Insert Number]

17. Third-Party Links

We are not responsible for third-party privacy practices.

18. Limitation of Liability

Company is not liable for force majeure or third-party breaches.

19. Amendments to Policy

Policy may be updated and published on the website.

20. Consent

By using our services, you acknowledge this policy.