PRIVACY POLICY & COOKIE / DATA NOTICE

Celebrate Financial Services IMF Private Limited

Website: www.celebratefinancialservices.com
Registered Office: No. 8/2, 2nd Floor, 5th Main Road, Chamrajpet, Bengaluru, Karnataka – 560018
Customer Support: 7349505152
Email: celebrateinsurance1@gmail.com

Effective Date: Publication Date

1. Introduction

Celebrate Financial Services IMF Private Limited (“Celebrate Financial Services“, “we“, “us“, or “our“) respects your privacy and is committed to protecting personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, store, retain and protect personal information when you:

 

    • contact us by telephone, email, WhatsApp or other communication channels;

    • submit an enquiry or service request;

    • request information relating to insurance or financial products;

    • seek assistance with insurance claims;

    • provide information for insurance or investment-related services;

    • interact with our representatives;

    • use our services or otherwise communicate with us.

This Policy should be read together with our Terms & Conditions and any notices, consent forms or product-specific documents provided to you.

Where a particular insurer, mutual fund, AMC, regulated financial institution or other service provider independently collects or processes your information, that entity’s privacy policy and applicable contractual/regulatory terms may also apply.

2. About Celebrate Financial Services

Celebrate Financial Services IMF Private Limited is a company incorporated in India.

Our registered office is:

No. 8/2, 2nd Floor,
5th Main Road,
Chamrajpet, Bengaluru,
Karnataka – 560018, India.

Our website provides information and facilitates enquiries and customer-service interactions concerning insurance, mutual funds and related financial services.

Regulatory status

Our application for registration as an Insurance Marketing Firm (IMF) with IRDAI is currently under process.

Accordingly, this Privacy Policy must not be interpreted as representing that Celebrate Financial Services is presently an IRDAI-registered IMF.

Insurance-related activities are conducted only to the extent legally permissible and, where applicable, through or in connection with legally authorized insurance partners/entities.

We may update our website and this Privacy Policy when our regulatory status changes.

3. Information We Collect

Depending on the service you request, we may collect some or all of the following information.

3.1 Identity information

This may include:

 

    • full name;

    • date of birth;

    • gender;

    • photograph;

    • nationality;

    • residential or correspondence address;

    • PAN;

    • Aadhaar information;

    • other government-issued identification information.

3.2 Contact information

We may collect:

 

    • mobile number;

    • telephone number;

    • email address;

    • WhatsApp contact details;

    • communication preferences.

3.3 Financial information

Depending on the product or service requested, we may collect information such as:

 

    • income;

    • occupation;

    • financial circumstances;

    • investment objectives;

    • financial goals;

    • bank-related information;

    • investment-related information;

    • insurance-related financial information.

3.4 Insurance information

Where relevant, we may collect information concerning:

 

    • existing insurance policies;

    • policy numbers;

    • policy coverage;

    • premium information;

    • nominee information;

    • insured persons;

    • claims;

    • policy history;

    • proposal information;

    • information concerning the subject matter being insured.

3.5 Health and medical information

For insurance-related services, particularly health or life insurance, information may include health, medical and related underwriting information.

Such information may be particularly sensitive and will be handled only for legitimate purposes connected with the requested service, underwriting, KYC, policy servicing, claims assistance, regulatory compliance or other permitted purposes.

3.6 KYC and supporting documents

We may receive copies or information from:

 

    • PAN documents;

    • Aadhaar documents;

    • identity documents;

    • address proofs;

    • income documents;

    • photographs;

    • bank documents;

    • insurance documents;

    • medical documents;

    • proposal forms;

    • claim documents;

    • other documents required for a particular service.

4. How We Collect Information

We may obtain information:

 

    • directly from you;

    • through website forms;

    • through telephone conversations;

    • through WhatsApp;

    • through email;

    • from documents submitted by you;

    • from insurance or financial-service partners where legally permitted;

    • from regulated financial institutions;

    • from mutual fund AMCs/RTA or related platforms;

    • from KYC-related sources where legally permitted;

    • through customer-service interactions.

We will seek appropriate consent or other lawful authorization where required.

5. Why We Use Your Personal Information

We may process personal information for purposes including:

5.1 Responding to enquiries

To:

 

    • respond to your enquiry;

    • contact you regarding a requested service;

    • understand what service you require;

    • provide relevant information;

    • schedule discussions or consultations.

5.2 Insurance-related services

Where legally permitted, information may be used to:

 

    • understand your insurance requirements;

    • assist with insurance applications;

    • facilitate communication with authorized insurance entities;

    • assist with documentation;

    • assist with policy servicing;

    • assist with claims submission;

    • communicate with insurers concerning your request.

We do not determine whether an insurer will issue a policy or settle a claim.

Insurance underwriting, policy issuance, coverage and claim decisions remain subject to the applicable insurer, policy documents and applicable law.

5.3 Mutual-fund services

Information may be used to:

 

    • process or facilitate mutual-fund distribution activities;

    • complete required KYC;

    • communicate with applicable AMCs, RTAs or regulated platforms;

    • process transaction-related documentation;

    • provide information requested by you;

    • comply with applicable regulatory requirements.

Mutual-fund distribution is undertaken through the applicable distributor/ARN/EUIN arrangements.

6. Investment Information and Advice

You may provide us with information concerning your financial circumstances, objectives and investment preferences.

Where investment-related services are offered, such information may be used to provide the service requested by you, facilitate product distribution or communicate with relevant regulated entities.

Important regulatory notice

Celebrate Financial Services is not a SEBI-registered Investment Adviser.

Nothing in this Privacy Policy should be interpreted as representing that Celebrate Financial Services holds a SEBI Investment Adviser registration.

Where any regulated investment-advisory service is provided by another properly authorized entity, that entity’s own terms, privacy policy and regulatory disclosures will apply.

Investment products are subject to market risks and applicable product-specific terms.

7. Legal Bases / Grounds for Processing

Depending on the circumstances, we may process personal information based on:

 

    • your consent;

    • your request for a particular service;

    • performance or facilitation of a service requested by you;

    • compliance with applicable legal or regulatory obligations;

    • legitimate and lawful business purposes where permitted;

    • prevention or detection of fraud, misuse or unlawful activity;

    • establishment, exercise or defence of legal claims;

    • other grounds permitted under applicable law.

Where consent is required, we will seek consent in an appropriate manner.

8. Consent

Where required by applicable law, we will obtain your consent before collecting or processing personal information for the relevant purpose.

By voluntarily submitting information to us, you acknowledge that certain information may be necessary for us or relevant regulated entities to provide the service requested by you.

You should provide accurate, complete and current information.

You should not provide personal information belonging to another person unless you are legally authorized to do so.

9. Sharing of Personal Information

We do not sell your personal information as a commercial commodity.

We may disclose or transfer information where reasonably necessary and legally permitted to:

Insurance companies and authorized insurance partners

Information may be shared with insurers or legally authorized insurance entities for purposes such as:

 

    • quotation/application processing;

    • underwriting;

    • KYC;

    • policy issuance;

    • policy servicing;

    • claims assistance;

    • regulatory compliance.

Mutual fund entities

Where relevant, information may be shared with:

 

    • mutual fund AMCs;

    • RTAs;

    • KYC agencies;

    • authorized distribution platforms;

    • other entities involved in processing a mutual-fund transaction.

Government and regulatory authorities

Information may be disclosed where required by:

 

    • law;

    • court order;

    • government authority;

    • regulatory authority;

    • law-enforcement authority;

    • tax authority;

    • applicable compliance requirement.

Service providers

Where necessary, information may be processed by service providers supporting our operations.

We will seek to use appropriate contractual, organizational and technical safeguards for such processing where required.

10. WhatsApp and Electronic Communications

We may communicate with you through WhatsApp, telephone, SMS or email where permitted.

You acknowledge that communications through third-party communication platforms may be subject to the privacy practices and technical limitations of those platforms.

You should avoid sending unnecessary sensitive information through ordinary messaging channels unless specifically requested for a legitimate service purpose.

Where documents are requested through WhatsApp, you should verify that you are communicating with our official business number:

7349505152

11. Aadhaar Information

Where Aadhaar information is collected, we will seek to handle it only for lawful and legitimate purposes and in accordance with applicable KYC, regulatory and data-protection requirements.

Aadhaar information will be retained only where legally permitted and where retention is necessary for a legitimate KYC, regulatory, contractual or legal purpose.

We will not use Aadhaar information for unrelated purposes.

12. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

 

    • providing requested services;

    • completing transactions;

    • maintaining business and financial records;

    • satisfying KYC requirements;

    • meeting insurance requirements;

    • meeting mutual-fund or financial-sector requirements;

    • complying with legal and regulatory obligations;

    • resolving disputes;

    • preventing fraud;

    • establishing or defending legal claims.

Where applicable, records may be retained for periods required by law, regulation, contractual obligations or legitimate business requirements.

When personal information is no longer required, we will seek to securely delete, destroy or anonymize it, subject to applicable retention requirements.

13. Data Deletion

We maintain a process for deleting information that is no longer required, subject to:

 

    • legal retention requirements;

    • regulatory obligations;

    • pending transactions;

    • unresolved complaints;

    • litigation or potential legal claims;

    • fraud-prevention requirements;

    • contractual obligations.

You may contact us to request deletion of personal information, subject to applicable legal and regulatory restrictions.

14. Data Security

We take reasonable organizational, technical and administrative measures designed to protect personal information against:

 

    • unauthorized access;

    • unauthorized disclosure;

    • alteration;

    • loss;

    • misuse;

    • destruction;

    • accidental disclosure.

Security measures may include access controls, restricted handling, authentication, secure document handling and other safeguards appropriate to the nature of the information.

No electronic transmission or storage system can be guaranteed to be completely secure.

Accordingly, while we take reasonable precautions, we cannot guarantee absolute security.

IRDAI has separately issued information and cyber-security guidance applicable to insurance intermediaries, including measures concerning information shared with regulated entities. (IRDAI)

15. Data Stored in India

Based on our current operations, customer information is intended to be stored and processed in India.

Where information is transferred outside India in the future, we will do so subject to applicable law and appropriate safeguards where required.

16. Cookies and Similar Technologies

Current website notice

Our current website configuration has not been technically verified as using cookies or tracking technologies.

Accordingly, this Policy does not represent that a particular cookie is currently active.

However, the website or third-party services used by the website may use cookies, pixels, tags, scripts, local storage or similar technologies in the future or where technically required.

These technologies may be used for purposes such as:

 

    • website functionality;

    • security;

    • traffic measurement;

    • analytics;

    • understanding website usage;

    • improving website performance;

    • marketing or advertising measurement.

Where required, appropriate notice or consent mechanisms will be implemented.

17. Google Analytics, Meta and Similar Technologies

Our website may use analytics or advertising technologies such as:

 

    • Google Analytics;

    • Google Tag Manager;

    • Meta Pixel;

    • similar third-party technologies.

Such technologies may collect information such as:

 

    • IP address or approximate location;

    • browser type;

    • device information;

    • pages visited;

    • referring pages;

    • interaction information;

    • approximate usage patterns.

The applicable third-party provider may process information in accordance with its own policies.

We recommend that users review the privacy policies of relevant third-party providers.

18. Marketing Communications

Where legally permitted and where required consent or preferences have been obtained, we may communicate with customers concerning:

 

    • products and services;

    • insurance information;

    • financial products;

    • service updates;

    • educational information;

    • offers or promotional communications.

Communications may be sent by:

 

    • SMS;

    • email;

    • telephone;

    • WhatsApp;

    • other permitted electronic channels.

We will respect applicable consent, preference and communications requirements.

Opt-out

Our current process does not provide a standardized automated unsubscribe mechanism for every communication channel.

If you do not wish to receive promotional communications, you may contact us at:

celebrateinsurance1@gmail.com

We will process such requests subject to applicable law and any communications that are necessary for an existing service, transaction, complaint, legal obligation or regulatory requirement.

19. Your Rights

Subject to applicable law and regulatory requirements, you may have rights relating to your personal information, including rights concerning:

 

    • access to information;

    • correction of inaccurate information;

    • updating information;

    • withdrawal of consent where applicable;

    • deletion/erasure where legally permissible;

    • grievance redressal;

    • obtaining information regarding processing;

    • other rights available under applicable data-protection law.

Some requests may be subject to verification and legal limitations.

For example, we may be unable to delete information that we are legally required to retain.

20. How to Exercise Your Rights

To make a privacy request, contact:

Privacy/Data Protection Contact
Celebrate Financial Services IMF Private Limited
No. 8/2, 2nd Floor, 5th Main Road,
Chamrajpet, Bengaluru, Karnataka – 560018

Email: celebrateinsurance1@gmail.com
Phone: 7349505152

Please provide sufficient information for us to identify the relevant customer or request.

We may request reasonable verification before acting on a request involving personal information.

21. Grievance Redressal

For privacy or data-related complaints, you may contact:

Grievance Officer / Principal Officer

Sharath Kumar N
Principal Officer / Grievance Officer
Celebrate Financial Services IMF Private Limited
No. 8/2, 2nd Floor, 5th Main Road,
Chamrajpet, Bengaluru, Karnataka – 560018

Phone: 8105340534
Email: sharath.celebrate@gmail.com

Working Hours:
10:00 AM – 6:30 PM
Monday – Saturday
Excluding public holidays.

Complaints will be handled in accordance with applicable legal, regulatory and internal grievance procedures.

At present, the company does not operate a standardized complaint-reference-number system. We recommend implementing one before publishing this Policy, particularly because insurance-sector and consumer-facing regulatory requirements may impose specific grievance-handling expectations.

22. Insurance Information

Insurance-related personal information may be shared with relevant insurers or authorized insurance partners where necessary to process your enquiry, application, policy, servicing request or claim assistance.

Celebrate Financial Services does not itself:

 

    • underwrite insurance risk;

    • determine whether a policy will be issued;

    • determine the premium charged by an insurer;

    • decide whether coverage applies;

    • approve or reject insurance claims;

    • determine claim amounts;

    • guarantee claim settlement.

Those matters are governed by the relevant insurer, policy documents and applicable law.

IRDAI materials emphasize confidentiality and security of client information in insurance intermediary relationships. (IRDAI)

23. Mutual Fund Information

Where you use our mutual-fund distribution services, personal information may be provided to relevant AMCs, RTAs, KYC agencies, platforms and other authorized participants as required to process your investment-related request.

Mutual-fund investments are subject to market risks.

Information provided to us should not be interpreted as a guarantee of investment performance or returns.

24. Third-Party Websites and Services

Our website may, from time to time, contain links or references to third-party websites, applications or services.

Third parties may include:

 

    • insurers;

    • mutual-fund entities;

    • financial institutions;

    • regulatory organizations;

    • technology providers;

    • communication platforms.

We are not responsible for the privacy practices of independent third parties.

You should review the privacy policy and terms of the relevant third party before providing personal information to it.

25. Children

Our services are intended for persons aged 18 years or above.

We do not knowingly seek to provide our financial or insurance services to children.

If you believe a minor has provided personal information to us improperly, please contact us so that we can assess and take appropriate action.

26. Accuracy of Information

You are responsible for ensuring that information provided to us is:

 

    • accurate;

    • complete;

    • current;

    • not misleading.

Incorrect information may affect insurance underwriting, policy servicing, KYC, claims or investment-related transactions.

You should promptly notify us if important information changes.

27. Fraud and Misuse

We may process personal information to detect, prevent or investigate:

 

    • fraudulent insurance applications;

    • fraudulent claims;

    • identity theft;

    • financial fraud;

    • unauthorized access;

    • misuse of our website;

    • unlawful activity;

    • impersonation;

    • other security incidents.

Information may be disclosed to relevant insurers, financial institutions, regulators, government authorities or law-enforcement agencies where legally permitted or required.

28. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

 

    • changes in law;

    • regulatory requirements;

    • changes in our services;

    • technological changes;

    • changes to our data-processing practices;

    • security improvements.

Updated versions will be published on our website.

Material changes will apply prospectively where appropriate and will be effective from the date stated in the revised Policy.

29. Regulatory Changes

Our business operates in regulated sectors, including insurance and mutual-fund distribution.

Accordingly, our data-processing practices may be affected by requirements issued by authorities such as:

 

    • IRDAI;

    • SEBI;

    • AMFI;

    • RBI, where applicable;

    • government authorities;

    • other competent regulators.

Where applicable law requires us to collect, retain, disclose or process information differently from this Policy, the applicable law or regulatory requirement will prevail.

30. International Users

Our principal market is India.

Persons outside India, including NRIs, may contact us for information where permitted.

However, services and transactions may be subject to Indian law, applicable product restrictions, KYC requirements, insurer requirements and other regulatory conditions.

If you are located in the European Economic Area, United Kingdom or another jurisdiction whose data-protection law applies to our processing, additional rights or requirements may apply where legally applicable.

This Policy is not intended to claim blanket GDPR compliance where GDPR does not apply.

31. GDPR-Style Data Protection Principles

Where applicable, we seek to follow privacy principles including:

 

    • transparency;

    • purpose limitation;

    • data minimization;

    • accuracy;

    • storage limitation;

    • confidentiality;

    • security;

    • accountability.

The actual rights available to an individual will depend on the law applicable to the relevant processing activity.

32. Contact Us

For questions regarding this Privacy Policy, personal information or our data practices:

Celebrate Financial Services IMF Private Limited

Registered Office:
No. 8/2, 2nd Floor, 5th Main Road,
Chamrajpet, Bengaluru,
Karnataka – 560018, India

Customer Support: 7349505152
Email: celebrateinsurance1@gmail.com

Grievance Officer / Principal Officer

Sharath Kumar N
Phone: 8105340534
Email: sharath.celebrate@gmail.com

Working Hours: 10:00 AM – 6:30 PM, Monday–Saturday, excluding public holidays.

33. Important Notice

By submitting personal information to Celebrate Financial Services, you acknowledge that your information may need to be processed and shared with relevant insurers, mutual-fund entities, KYC organizations, regulated financial institutions and other authorized parties to provide the service you request or comply with applicable legal and regulatory requirements.

Please do not submit information that is unnecessary for your enquiry or requested service.

For sensitive documents such as Aadhaar, PAN, medical records, financial information or bank documents, use only communication channels that we specifically designate for that purpose.

Website Privacy Notice — Short Version

For your website footer, enquiry forms and WhatsApp lead forms, I recommend displaying this shorter notice alongside the full Privacy Policy:

Privacy Notice: Celebrate Financial Services IMF Private Limited may collect and process your personal information, including identity, contact, KYC, insurance, financial and other information necessary to respond to your enquiry or provide requested services. Where required, we will obtain appropriate consent. Your information may be shared with relevant insurers, mutual-fund entities, KYC agencies, regulated financial institutions and service providers where necessary and legally permitted. We do not sell your personal information. You may contact us at celebrateinsurance1@gmail.com or 7349505152 regarding privacy requests or grievances. Please read our full Privacy Policy before submitting sensitive information.