Phelix Capital

1. Introduction

Phelix Capital (“Phelix Capital”, “we”, “us”, or “our”) is a trade name and brand used by Shobhit Bhansali, an AMFI Registered Mutual Fund Distributor.

AMFI Registration Number (ARN): 358543
ARN Holder: Shobhit Bhansali
ARN Validity: 09 April 2029

We respect your privacy and are committed to protecting the confidentiality and security of your personal information. This Privacy Policy describes how we collect, use, process, store, disclose, and safeguard information obtained through our website, digital platforms, communication channels, and services.

By accessing this website or submitting your information, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

2. Scope of this Policy

This Privacy Policy applies to:

Visitors to the Phelix Capital website;
Prospective investors and clients;
Existing clients;
Individuals submitting enquiries or requests through our website;
Users interacting with us through email, phone, WhatsApp, social media, online forms, or other communication channels.

For the purpose of this Privacy Policy, the terms “Client”, “User”, “You”, and “Your” refer to any person or entity accessing the website or availing services through Phelix Capital.

3. Information We Collect

We may collect personal information and supporting documents necessary for providing services and complying with applicable regulations.

Personal Information

Full name
Mobile number
Email address
Date of birth
PAN details
Residential or correspondence address
Bank account details
Occupation and financial information
Investment objectives and risk profile information
Communication preferences
Information submitted through forms, enquiries, or correspondence

KYC and Verification Documents

Where required, we may collect:

PAN Card
Passport
Driving Licence
Voter ID
Aadhaar (only where voluntarily provided and legally permissible)
Photograph
Signature
Address proof
Other documents required under applicable KYC, AML, or regulatory guidelines

Website Usage Information

We may automatically collect:

IP address
Device information
Browser type and version
Operating system
Referral source
Pages visited
Date and time of visit
Website interaction data

4. Purpose of Collection

Your information may be collected and used for:

Investor onboarding
KYC verification
Mutual fund transaction facilitation
Compliance with SEBI, AMFI, KRA, RTA, and other regulatory requirements
Servicing and administration of investments
Responding to enquiries and support requests
Communication regarding transactions and service updates
Risk profiling and suitability assessment where applicable
Fraud prevention and identity verification
Prevention of money laundering and financial crimes
Internal record keeping
Audit and compliance purposes
Improving website functionality and user experience
Protecting our legal rights and interests

5. Lawful Basis of Processing

We process personal information based on one or more of the following grounds:

Your consent;
Performance of a contractual relationship;
Compliance with legal and regulatory obligations;
Legitimate business interests;
Prevention and detection of fraud, money laundering, and other unlawful activities;
Protection of our legal rights;
Compliance with judicial, regulatory, or governmental directions.

6. Aadhaar Information

Providing Aadhaar information is voluntary unless otherwise permitted or required by applicable law.

Where Aadhaar is collected:

It will be used only for legally permissible identification and verification purposes.
It will not be used for any unrelated purpose.
Alternative KYC documents may be accepted where permitted under applicable regulations.

7. Communication Consent

By submitting your information through our website or communication channels, you consent to receiving communications from Phelix Capital through:

Email
Telephone calls
SMS
WhatsApp
Other electronic communication channels

Such communications may relate to:

Service requests
Mutual fund transactions
Regulatory updates
Account-related information
Client servicing requirements
Investor education and relevant service-related information

You may opt out of non-essential communications at any time, subject to regulatory requirements.

8. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

Improve website functionality;
Enhance user experience;
Store user preferences;
Understand website usage patterns;
Improve performance and security.

You may disable cookies through your browser settings. However, certain features of the website may not function properly if cookies are disabled.

9. Analytics

We may use analytics services such as Google Analytics or similar tools to understand website traffic and user behavior.

These services may collect information regarding:

Website visits;
Device characteristics;
Browsing behavior;
User interactions with website content.

Such information is generally aggregated and does not personally identify individual users.

10. Sharing and Disclosure of Information

We do not sell, rent, or trade personal information.

Your information may be shared only where necessary with:

Asset Management Companies (AMCs)
Registrar and Transfer Agents (RTAs)
KYC Registration Agencies (KRAs)
Payment service providers
Technology platform providers
CRM and communication service providers
Compliance and audit service providers
Regulators and statutory authorities
Courts, tribunals, law enforcement agencies, and government authorities

All disclosures shall be limited to the extent necessary for providing services or complying with legal and regulatory obligations.

11. Third-Party Service Providers

We may engage third-party vendors, technology providers, APIs, and service partners for:

Website operations
Client onboarding
KYC verification
Mutual fund transaction processing
Data storage
Communication services
Compliance and reporting

Such service providers are where applicable contractually obligated to maintain appropriate confidentiality and security standards.

12. Fraud Prevention and Regulatory Compliance

We may process and disclose information where necessary to:

Verify identity;
Detect and prevent fraud;
Prevent money laundering and financial crime;
Investigate suspicious activities;
Comply with applicable laws and regulations;
Protect investors and clients;
Safeguard our systems and services.

13. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, misuse, loss, disclosure, alteration, or destruction.

Security measures may include:

SSL/HTTPS encryption;
Access controls;
Password-protected systems;
Secure hosting infrastructure;
Periodic security reviews.

While we take reasonable precautions, no method of transmission or storage can be guaranteed to be completely secure.

14. Password and Account Security

Where client login facilities are provided, users are responsible for maintaining the confidentiality of their login credentials.

You should:

Keep passwords secure;
Avoid sharing credentials;
Notify us immediately if unauthorized access is suspected.

15. Data Storage and Retention

Information may be stored on servers located in India or through authorized service providers located in other jurisdictions, subject to applicable legal and contractual safeguards.

We retain information for as long as necessary:

To provide services;
To comply with legal and regulatory obligations;
To satisfy audit and record-keeping requirements;
To resolve disputes and enforce agreements.

Certain records may continue to be retained after termination of the relationship where required under applicable law.

16. Your Rights

Subject to applicable laws and regulatory requirements, you may request:

Access to your personal information;
Correction of inaccurate information;
Updating of information;
Withdrawal of consent where legally permissible;
Restriction of certain processing activities;
Deletion of personal information, subject to mandatory retention requirements.

Requests may be submitted through the contact details provided below.

17. Account Deletion Requests

You may request deletion of your personal information by contacting us via email.

Please note that certain information may continue to be retained where required under:

SEBI regulations;
AMFI guidelines;
Prevention of Money Laundering laws;
Tax laws;
Audit requirements;
KYC obligations;
Other applicable statutory requirements.

18. Children’s Privacy

Our services are intended for individuals who are legally competent to enter into contracts under applicable laws.

We do not knowingly collect personal information from minors without appropriate authorization from a parent or legal guardian.

19. Third-Party Websites

Our website may contain links to third-party websites.

We are not responsible for the privacy practices, content, or security of such external websites. Users should review the privacy policies of those websites independently.

20. Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time.

Any changes will be posted on this page together with the updated effective date.

Continued use of the website following any modifications shall constitute acceptance of the revised Privacy Policy.

21. Contact Information

For questions, concerns, correction requests, account deletion requests, or privacy-related matters, please contact us at info@phelixcap.in.

Regulatory Disclaimer

Phelix Capital is a trade name used by Shobhit Bhansali. ARN 358543 is registered in the name of Shobhit Bhansali.

Shobhit Bhansali acts as a Mutual Fund Distributor and facilitates investments in mutual fund schemes offered by various Asset Management Companies.

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

PRIVACY POLICY