1. Introduction & Regulatory Scope
Welcome to YS PORTFOLIO (operating through ARN 145084, AMFI Registered Mutual Fund Distributor and APMI Registered PMS Distributor). This Privacy Policy explains our practices regarding the collection, storage, processing, and protection of financial records and personal data when you access YS Digital Portfolio.
We adhere strictly to the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and guidelines set forth by the Securities and Exchange Board of India (SEBI) and the Association of Mutual Funds in India (AMFI).
2. Information We Collect
To provide unified multi-asset portfolio analytics, we collect and process the following categories of information:
- Account & Identification Data: Your name, registered email address, contact number, and authorized client login identifier.
- Portfolio & Statement Records: Data derived from Consolidated Account Statements (CAS PDFs issued by CAMS or KFintech) or broker spreadsheets (holding quantity, average purchase price, purchase date, scheme name, folio number, ISIN).
- Cash Book & Ledger Entries: Manually recorded banking inflows, outflows, loans, interest schedules, and asset notes.
- Technical & Session Data: Browser user-agent, session cookies, and login timestamps used strictly for security monitoring and session validation.
3. Purpose of Processing & Use of Data
Your financial information is utilized solely for legitimate investment intelligence operations:
Aggregating Mutual Funds, equities, bonds, and cash ledgers across multiple brokers into a single unified view.
Computing extended internal rate of return (XIRR), unrealized gains, capital appreciation, and CAGR metrics.
Querying official daily NAV feeds published by AMFI India and live Indian equity scrapers for daily valuations.
Assisting family offices and investors in monitoring asset weight drift against designated risk profiles.
4. Zero Third-Party Monetization Policy
YS PORTFOLIO does not sell, trade, license, or lease your personal financial records or portfolio balances to third-party telemarketers, credit card issuers, loan aggregators, or external advertisers under any circumstances.
5. Data Security & Storage Standards
We implement institutional-grade physical and electronic safeguards to ensure maximum data privacy:
- 256-Bit SSL/TLS Encryption: All data transmitted between your browser and YS Portfolio servers is encrypted end-to-end.
- Host-Isolated Data Storage: Portfolio records are maintained on secured, isolated database partitions with strict password verification gates.
- Salted Cryptographic Hashing: Master security passwords are never stored in plain text.
- Automated Backup Redundancy: Secure point-in-time backups to prevent accidental data loss.
6. Your Rights & Data Ownership
You retain 100% ownership over your financial records. At any time, authorized users may:
- Inspect & Audit: Review all imported folios, transactions, and cash ledgers in the dashboard.
- Export: Download your consolidated reports in Excel and PDF formats for accounting or tax filing.
- Correct & Modify: Edit buy prices, notes, and quantities directly via the interface.
- Purge & Delete: Request permanent removal of specific portfolios or complete account wipe by contacting our support desk.
7. Cookies & Session Management
YS Portfolio utilizes essential HTTP cookies strictly to verify master session keys and remember user preferences (such as light/dark UI themes and chart intervals). We do not employ third-party advertising tracking cookies or behavioral tracking beacons.
8. Grievance Officer & Contact Information
In accordance with the Information Technology Act, 2000 and rules made thereunder, any queries or grievances regarding data processing may be addressed to our designated Compliance and Grievance Officer:
Grievance Officer: Client Services & Compliance Desk
Entity: YS PORTFOLIO (ARN 145084)
Address: Sewree, Mumbai, Maharashtra 400015, India
Email: clientservices@ysportfolio.in
Phone: +91 22 4152 3000
Response Turnaround: Within 48 business hours