VR Financial Services (“VRFS”, “we”, “our”, “us”) is committed to maintaining the highest standards of privacy, data protection, and transparency. This Privacy Policy explains how we collect, process, store, protect, and use your information when you interact with:

• www.vrfinserv.com (Wix-hosted website)

• portfolio.vrfinserv.com (RedVision / Wealth Elite client portal)

• Any digital assets, touchpoints, communication channels, or forms operated by VRFS.

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We operate as a SEBI-/RBI-/IRDAI-/PFRDA-regulated product distributor, not an investment advisor.
All data collected is strictly used for service delivery, communication, and compliance requirements.

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1. WHAT DATA WE COLLECT

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A. Data You Provide Directly

• Name

• Email address

• Phone number

• City/Location

• Any details submitted via contact forms, WhatsApp links, call-back requests, or email communication

We do NOT collect Aadhaar, PAN, bank details, or financial documents through our website.
Such information is collected ONLY within the secure RedVision portal during onboarding processes.

B. Data Collected Through the Portfolio Portal (RedVision / Wealth Elite)

When you log into portfolio.vrfinserv.com, you may submit:

• PAN (required for folio validation)

• Portfolio holdings

• Investment records

• Transaction data

• KYC verification details

• Other financial inputs required to run your portfolio dashboard

This data is stored and processed by RedVision Technology, our technology partner, under strict contractual and security controls.

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C. Automatically Collected Technical Data

Both the website and the portfolio portal may collect:

• IP address

• Device type, browser type

• Pages visited

• Time spent on each page

• Navigation behaviour

• Session identifiers

• Performance metrics

• Error logs

This data is purely technical and never linked to your financial information.

2. THIRD-PARTY SERVICES & DATA FLOWS

VRFS uses secure third-party infrastructure only for performance, analytics, and service delivery. No customer financial information is shared with analytics providers.

A. Wix (www.vrfinserv.com)

Standard Wix scripts operate for performance and analytics:

• frog.wix.com – user interaction and performance telemetry

• panorama.wixapps.net – analytics and BI logs

• Sentry (browser.sentry-cdn.com) – error monitoring

These do NOT capture form inputs, email IDs, or client financial information.

B. RedVision / Wealth Elite (portfolio.vrfinserv.com)

The portfolio dashboard uses:

• Google Tag Manager (gtag.js)

• Google Analytics

• DoubleClick (googleads.g.doubleclick.net)

• YouTube event logger (if videos are embedded)

Used for:

• Performance optimisation

• Error tracking

• Feature usage insights

• Video playback metrics

They do NOT collect: portfolio values, PAN, folios, transactions, investment history, KYC details, or any PII beyond device data.

All financial data remains sandboxed within the RedVision application layer.

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3. PURPOSE OF DATA USE

We use your information to:

1. Communicate with you about services, updates, meetings, and wealth-management workflows

2. Process client onboarding steps via regulated platforms

3. Provide access to the portfolio dashboard

4. Improve website and portal functionality

5. Maintain records required under Indian regulatory frameworks

6. Ensure security, troubleshooting, and fraud prevention

7. Enhance user experience through analytics insights (non-personal)

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4. DATA SHARING DISCLOSURE

VRFS never sells, rents, trades, or shares your data with any third party for marketing or commercial monetisation.

Data may be shared only with:

A. Regulated ecosystem participants

As per SEBI, AMFI, IRDAI, PFRDA, and other requirements:

• AMCs (Mutual Fund Houses)

• RTAs (CAMS, KFintech)

• Insurance companies

• Approved intermediaries

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B. Technology partners

Under binding agreements:

• Wix – website infrastructure

• RedVision Technology – portfolio management portal

• Sentry – error logging

• Google Analytics/Tag Manager (RedVision portal only) – performance analytics

C. Legal / regulatory authorities

Only when mandated under applicable laws.

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5. DATA RETENTION

We retain:

• Website form submissions: up to 24 months

• Communication logs: as long as required for service delivery

• Portfolio data (RedVision): as per regulatory timelines

• Cookies and telemetry data: as per tool-specific retention cycles (typically 1–26 months)

You may request deletion of your personal data at any time.

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6. YOUR RIGHTS (Under DPDP Act & Global Best Practices)

You can request:

• Access to your personal data

• Correction or updates

• Withdrawal of consent

• Deletion of your website-level personal data

• Information on processing activities

• Grievance redressal

Contact:
contact@vrfinserv.com
Address: Bengaluru, KA, IN

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7. DATA SECURITY MEASURES

• HTTPS encryption

• Cloud security protocols from Wix and RedVision

• Role-based access controls

• Audit logs

• No storage of sensitive client data on website backend

• No third-party marketing pixels on primary website

• Encrypted APIs integrated with regulated platforms

• Zero-tolerance for unregulated tech integrations

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8. CHILDREN’S PRIVACY

VRFS does not collect data from individuals under 18 years of age.

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9. CHANGES TO THIS POLICY

We may update the policy periodically. The latest version will always be available on our website.

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10. CONTACT DETAILS

For any privacy concerns or data rights requests:
Email: contact@vrfinserv.com
Website: www.vrfinserv.com
Portfolio Portal: portfolio.vrfinserv.com