Privacy Policy

Last Updated: 16-12-2025

This Privacy Policy (“Policy”) explains how Rise 2 XL Private Limited (“Company”, “we”, “us”, “our”) collects, uses, stores, shares, and protects your information when you use:

• Our website: www.arnbooster.com
• Our associated mobile applications, including “My Artha”
• Any related sub-sites, web platforms, and services (together referred to as the “ARN Booster Platform” or “Platform”)

This Policy forms an integral part of our Terms of Use and any product-specific Terms & Conditions.

By accessing or using the ARN Booster Platform, you agree to the terms of this Privacy Policy. If you do not agree, you should not use or access the Platform.

1. Who This Policy Applies To

This Policy applies to:

• Any individual using the ARN Booster Platform as a User, whether as:
  • A registered subscriber
  • A guest user or browser
  • A representative of an entity (e.g., MFD, advisory firm, etc.)

In this Policy:

• “You” / “Your” = the User
• “We” / “Us” / “Our” = Rise 2 XL Private Limited and its group entities

You must be a natural person at least 18 years of age to use our Platform. If personal information of a minor is shared, we assume lawful parental/guardian consent has been obtained.

2. Scope & Consent

By:

• Visiting our website
• Using our mobile apps
• Accessing any of our products or services
• Communicating with us via email (e.g. contact@arnbooster.com)

…you consent to our collection, storage, use, and disclosure of your information in accordance with this Policy and applicable laws.

If you do not wish to provide information (including personal or sensitive personal data), or do not agree with this Policy or the Terms of Use, we may not be able to offer some or all features of the Platform or services to you.

3. Information We Collect

We collect information in three main ways:

• Information you provide to us
• Information collected automatically while you browse or use the Platform
• Information we receive from third parties or other sources

3.1 Information You Provide (Directly)

You may provide information when you:

• Register or create an account
• Fill forms on the Platform
• Upload documents or data
• Avail any services or features
• Contact us or provide feedback

This information may include (as applicable):

• Name
• Email ID
• Mobile number
• PAN
• Date of birth
• Address and contact details
• Marital status
• Bank account details (for payouts or mandate-related services)
• Nominee details
• Income details
• Signatures
• KYC documents (e.g., address proof, bank statements, ID proof, etc.)
• Medical records and history (if required for specific products/services)

We may also collect non-personal and behavioural information, such as:

• Messages or content you post on the Platform
• How you use or navigate through the Platform

Any information you submit in public areas (e.g., comments, forums, social feeds) is considered public content, not protected as confidential personal information.

We may also ask for additional voluntary information (e.g., feedback, surveys, preferences). If you share Aadhaar details, you acknowledge this is given voluntarily.

3.2 Information Collected Automatically

When you visit or use the ARN Booster Platform, we may automatically collect certain technical and usage information, such as:

a) Cookies & Similar Technologies

We may use cookies or similar technologies to:

• Recognize your browser or device
• Understand how you use the Platform
• Improve user experience

Cookies do not read data from your device’s hard drive. You can control cookie settings in your browser, but disabling cookies may affect certain features.

Our advertisers or partners may also place their own cookies, which we do not control.

b) Log & Device Information

We may collect:

• IP address
• Device type, OS, and browser type/version
• Device identifiers (e.g., UDID)
• Connection information
• Pages viewed, time spent, click paths
• Location (where permitted)

This helps us improve performance, security, and user experience.

3.3 Information from Other Sources

We may also receive information about you from:

• KRA / CKYCR / Credit Bureaus
• Service providers (e.g., payment gateways, analytics tools)
• AMCs, RTAs, or other financial service providers
• Our group companies, partners, or affiliates

We may combine this with information we already have and treat it in accordance with this Policy.

We may also use third-party analytics tools like Google Analytics to better understand user behaviour. Such tools typically provide aggregated, anonymized data and not personal information.

4. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the ARN Booster Platform and related services
• Enable smooth onboarding, KYC, transaction processing, and reporting
• Offer personalized dashboards, reports, and tools
• Communicate with you regarding updates, changes, reminders, billing, and support
• Improve our features, performance, user interface, and reliability
• Analyse usage trends, track performance, and measure marketing effectiveness
• Enhance security, detect and prevent fraud or misuse
• Comply with legal, regulatory, or contractual obligations
• Customize marketing and educational content for you
• Provide you with information on our products, services, offers, and third-party offerings (where permitted)

We may use your email/mobile to send:

• Service-related messages (e.g., login, alerts, transactional updates)
• Product updates, announcements, and feature releases
• Marketing or promotional content (with opt-out option for marketing)

You can opt out of marketing communications, but not essential account/transactional communications.

5. Information Sharing

We may share your information with third parties in the following situations:

5.1 For Service Delivery

With:

• Our group companies and affiliates
• Technology and infrastructure providers
• Payment gateways and banking partners
• RTAs, AMCs, and other financial ecosystem partners
• Vendors and service partners helping us operate and improve the Platform

They are required to use the information only as per our instructions and in line with this Policy and applicable confidentiality and security requirements.

5.2 Legal & Regulatory Requirements

We may disclose information:

• When required by law, regulation, court order, or governmental authority
• To comply with legal obligations, regulatory audits, or law enforcement requests
• To detect, investigate, or prevent fraud, cyber incidents, or other illegal activities

These disclosures are made in good faith and only when reasonably necessary.

5.3 Business & Analytics Purposes

We may share aggregated or anonymized data (which does not personally identify you) with:

• Advertisers
• Analytics and marketing partners
• Business partners

This helps them understand usage patterns, audience segments, or the value of advertising on our Platform.

5.4 Protection of Rights

We may share information to:

• Enforce our Terms of Use or other agreements
• Protect our rights, property, or safety, or that of our users, partners, or the public
• Investigate complaints, disputes, or suspected violations

5.5 Third-Party Services

We may share information with consultants, partners, and vendors who:

• Offer services integrated with ARN Booster
• Provide complementary financial or technology services

Their handling of your data is governed by their own privacy policies. We are not responsible for their practices.

6. Data Accessed from Google

Where you explicitly connect and authorize access to your Google account (e.g., Gmail), the following applies:

• We access only relevant financial emails required to provide our services (such as statements or transaction emails from senders like @camsonline.com, @kfintech.com, @franklintempleton.com, etc.).
• We do not open, read, or process your personal or unrelated emails.
• We do not sell, transfer, or lease such information for advertising.

We may share such Google-derived data with:

• Affiliates or service providers (for processing, analytics, or reporting)
• Regulators or authorities, where legally required

This is solely for:

• Providing a smooth, automated experience
• Improving relevant features
• Complying with legal obligations

7. Access, Correction & Retention of Your Data

7.1 Access & Correction

Subject to applicable law, we will make reasonable efforts to:

• Provide access to your personal information, upon request
• Correct or update inaccurate or incomplete data
• Act on deletion/rectification requests where legally feasible

We may deny or limit requests that are:

• Unreasonably repetitive
• Require disproportionate technical effort
• Affect the privacy of others
• Not permitted by law

7.2 Retention

We retain records in accordance with:

• Applicable laws and regulations in India
• Statutory or regulatory retention requirements
• Legitimate business needs (e.g., dispute resolution, audits)

Data may be stored on servers owned or controlled by us, our group companies, or secure third-party providers, primarily located in India.

8. Information Security

We use reasonable security measures to protect your information against:

• Unauthorized access
• Unauthorized alteration
• Disclosure or destruction

These measures include:

• Encryption where appropriate
• Network and application-level security controls
• Restricted access to servers and systems
• Internal reviews of data handling practices

However, no system is 100% secure. While we strive to protect your data, we cannot guarantee absolute security of transmissions over the Internet.

Any data you voluntarily share in public or community areas (forums, comments, etc.) is visible to others and is shared at your own risk.

9. Updates to This Policy

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

• Reflect changes in law
• Reflect changes in our services or data practices
• Improve clarity and transparency

Any updates will be posted on this page with a revised “Last Updated” date.

Your continued use of the Platform after such changes will constitute your acceptance of the updated Policy.

We may also notify you via email or in-app messages where required.

10. Your Choices

You may:

• Choose not to provide certain information (which may limit access to some features)
• Update or correct your information via your account or by contacting us
• Opt out of marketing emails by using the unsubscribe link or contacting us
• Deregister from the Platform if you no longer wish to use our services

11. Contact & Grievance Redressal

If you have questions, concerns, or complaints regarding this Privacy Policy or our data practices, you may contact our designated Grievance Officer:

Grievance Officer: Rahul Thakur
Website: https://www.arnbooster.com
Email: contact@arnbooster.com
Phone: +91-9315790599

Please include in your complaint:

• A clear statement of whether the information is personal or sensitive personal data
• Your name and contact details (email, phone, address)
• A detailed description of the issue

We will make reasonable efforts to respond and resolve your concerns in accordance with applicable law.