Perccent Edge Private Limited (“Company”, “We”, “Us”, “Our”) respects your privacy and is committed to protecting the personal information you provide when you visit or use our digital platforms, including our website (www.perccent.com) and mobile application (collectively referred to as the “Platform”). This Privacy Policy outlines how we collect, use, store, process, share, disclose, and safeguard your personal and non-personal information when you access our Platform and services (“Services”), including but not limited to mutual fund distribution, fixed deposit offerings, UPI-based payment services, investment advisory, and lending/credit access. By using our Platform or availing our Services, you agree to the practices described in this Privacy Policy and our Terms & Conditions (“Terms”).
Collection of Information:
We collect the following categories of information when you access or use our Services:
a. Personal Information
Includes name, address, date of birth, email, phone number, PAN, Aadhaar (optional), KYC information, photographs, employment details, signatures, and any other data that can uniquely identify you.
b. Financial Information
Includes bank account details, UPI IDs, income, expenses, transaction history, balances, investment preferences, credit profiles, and other related data.
c. Device & Technical Information
Includes IP address, device ID, browser type, operating system, crash logs, geolocation, usage data, cookies, and session activity.
d. Communication DataIncludes customer support interactions, feedback, queries, emails, and voice/chat transcripts.
e. Third-party Data Information
received from affiliates, analytics providers, credit bureaus, KYC vendors, account aggregators, and regulatory bodies.
Use of Information:
We may use your information for the following purposes:To create and manage your account and verify identity
To provide, improve and personalize our Services
To process transactions, investments, or UPI payments
For internal risk analysis, analytics, and profiling
To send you updates, alerts, promotional offers (unless opted out)
To detect and prevent fraud or unauthorized activity
To comply with legal obligations and regulatory requirements
For customer support, service improvements, and troubleshooting
For research, surveys, product development and marketing
Sharing of Information:
We may share your information with the following entities, strictly on a need-to-know and contractual basis:Affiliates & Subsidiaries of Perccent Edge Private Limited
Payment processors, banks, NBFCs, lending partners
Mutual Fund RTAs, AMCs, registrar and transfer agents
Regulatory bodies (SEBI, RBI, IRDAI, CERSAI, UIDAI etc.)
Credit bureaus (CIBIL, CRIF, Equifax, Experian)
Account aggregators, analytics and onboarding partners
Legal and enforcement agencies, if required by law
We do not sell your data to advertisers or third parties.
Consent to Integrations:
By linking your email, account aggregator, Digilocker, or allowing access to SMS, location, or camera (where applicable), you grant us permission to use such data only for the purpose of providing the Services and not for advertising or resale.
You may revoke such access through Platform settings or by emailing us.
Cookies and Tracking:
We use cookies and similar technologies to:Keep you logged in
Track usage patterns
Personalize content
Analyze performance
You may configure your browser settings to block cookies, though this may impact your Platform experience.
Data Retention:
We retain your data:
Data Type
Retention Period
Personal/Financial Information Account closure + 5 years
KYC/Identity Documents Account closure + 5 years
Device/Usage Data Up to 3 years post account deletion
Communications & Support Logs Account closure + 5 years
Anonymized/Aggregated Data Indefinitely for analytics
In case of pending legal proceedings or regulatory obligations, we may retain your data beyond these periods.
Data Security Measures:We implement industry-standard security safeguards such as:
AES encryption
HTTPS protocols
Access control and firewalls
Secure cloud infrastructure (e.g., Azure, GCP)
Periodic penetration testing and vulnerability scans
While we follow best practices, no system is 100% secure, and we encourage you to protect your login credentials and notify us immediately in case of suspicious activity.
Your Rights:You may exercise the following rights at any time by contacting our Grievance Officer:
Review your data
Correct incorrect information
Opt-out of promotional communication
Revoke previously granted consent
Request deletion of your data or account
Upon account deletion, we will anonymize or securely destroy your data unless retention is required under law.
Children’s Privacy:Our Services are intended for users who are 18 years or older. We do not knowingly collect personal data from children. If you believe a minor has provided us data, please contact our Grievance Officer.
Third-Party Sites and Integrations:We are not responsible for the privacy practices of third-party platforms linked from our Platform. We encourage you to review their policies before interacting.
Grievance Officer:If you have any questions, complaints, or wish to exercise your rights, contact our Grievance Officer:
Name: Manoj P
Email: hello@perccent.com
Address: Swapnalok, Aga Abbas Ali Road, Ulsoor, Bangalore – 560008, India
Changes to This Policy:We reserve the right to update this Privacy Policy at any time. Material changes will be communicated via Platform notification or email. Continued use of our Platform indicates your acceptance of such changes.
Governing Law:This Privacy Policy is governed by the laws of India. Courts in Bangalore, Karnataka shall have exclusive jurisdiction over disputes.