Effective Date: 12th Feb 2026

Finnsys NEO (“App”) is owned and operated by ARM Fintech Consultants Private Limited (“ARM Fintech”, “we”, “our”, or “us”).

We are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, store, and share your information when you use the Finnsys NEO mobile application.

By using the App, you consent to the practices described in this Privacy Policy.

1. Our Commitment to Privacy

We respect your right to privacy and are committed to maintaining the confidentiality and security of your personal information. We collect only the information necessary to provide financial distribution services and to comply with regulatory requirements.

2. App Features & Service Scope

Finnsys NEO is a financial product distribution platform that enables users to onboard and transact through SEBI-regulated platforms including:

• NSE NMF II

• BSE Star MF

• MF Utilities (MFU)

• KYC & verification partners such as Signzy

• Other compliant financial service providers

ARM Fintech is authorized to use APIs of these platforms for onboarding, KYC, and transaction facilitation.

Important Clarifications

• ARM Fintech distributes financial products such as Mutual Funds, Fixed Deposits, and related financial instruments.

• ARM Fintech does not collect or hold investor funds in its own name.

• Transactions are executed directly through authorized platforms.

• ARM Fintech adheres to regulatory and ethical guidelines applicable to financial distributors.

3. Information We Collect and How It Is Used

We collect personal and financial information only as required for:

✔ account creation & onboarding

✔ regulatory compliance (KYC/AML)

✔ transaction processing

✔ fraud prevention & security

✔ customer support & account management

All data is transmitted securely and encrypted during transfer.

4. Personal Data Collected

Personal Identification Information

We may collect:

• Full name

• Email address

• Mobile number

• Postal address

• Date of birth

• Gender

• Occupation & marital status

• Parent/guardian details (if applicable)

Purpose: Identity verification, compliance, and account management.

Financial & Banking Information

• Bank account details (Account number, IFSC, Bank name)

• Income & net worth details (where required for compliance)

Purpose: Regulatory suitability requirements and transaction processing.

Government Identification & KYC Information

• PAN card details

• Address proof (Passport, Driving License, etc.)

• Nominee & guardian details (if applicable)

Purpose: Mandatory regulatory compliance and KYC verification.

Images, Photos & Videos

We may collect:

• Selfie photographs

• PAN & address proof images

• Cancelled cheque images

• Video recordings for Video KYC

Purpose: Identity verification and regulatory compliance.

Transaction & Account Data

• Folio & transaction details

• Investment selections & history

Purpose: Execution and servicing of investments.

Device & Technical Data

• Crash logs

• Diagnostics data

Purpose: App performance improvement and issue resolution.

5. Sharing of Information

Your information is shared only when necessary to enable services.

Data may be shared with:

✔ NSE NMF II

✔ BSE Star MF

✔ MF Utilities

✔ KYC & verification partners (e.g., Signzy)

✔ Regulatory authorities when required by law

Data is shared only if you choose to onboard or transact through these platforms.

We do not sell your personal data.

6. Data Security

We implement industry-standard security measures including:

• encryption in transit

• secure API communication

• access controls

• secure storage practices

While no system is completely secure, we use commercially reasonable safeguards to protect your data.

7. Communication & Notifications

We may use your contact information to:

• provide account updates

• send transaction alerts

• inform you about service changes

• share relevant financial service information

You may opt out of promotional communications at any time.

8. Advertising Policy

Finnsys NEO does not display third-party advertisements.

All content within the app is related to financial services and customer support.

9. Legal Disclosure

We may disclose personal information if required:

• to comply with legal obligations

• to protect our legal rights

• to prevent fraud or security threats

• to ensure safety of users or the public

10. Links to Third-Party Websites

The App may contain links to third-party platforms. ARM Fintech is not responsible for the privacy practices of external websites.

11. Your Rights & Choices

You may:

✔ request correction of inaccurate data

✔ withdraw consent where permitted

✔ opt out of marketing communications

To make requests, contact us using the details below.

12. Children’s Privacy

The App is not intended for individuals under 18 years of age unless investments are made through a guardian in compliance with regulatory guidelines.

13. Account Deletion & Data Removal

Users have the right to request deletion of their Finnsys NEO account and associated personal data.

🔹 How to Request Account Deletion

You may request account deletion through:

• Submitting a request at:

👉 https://www.armfintech.in/support

• Emailing us at admin@armfintech.com

Please include your registered mobile number and email ID for verification.

🔹 What Happens After Deletion Request

After verification:

✔ Your Finnsys NEO login account will be permanently deleted

✔ Personal data stored by ARM Fintech will be deleted or anonymized

✔ Access to app services will be terminated

🔹 Data That May Be Retained

Certain information may be retained where required by:

• SEBI regulations

• AMFI guidelines

• Anti-Money Laundering (AML) laws

• Taxation and audit requirements

• Legal or regulatory obligations

Retained data is securely stored and used only for compliance purposes.

🔹 Processing Time

Account deletion requests are processed within 7–10 working days after verification.

🔹 Third-Party Platform Accounts

If you created investment accounts via:

• NSE NMF II

• BSE Star MF

• MF Utilities

you may need to contact those platforms directly for closure of transaction accounts.

14. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted within the App or on our website.

15. Contact Us

ARM Fintech Consultants Private Limited

213, Saran Chambers II

Park Road, Lucknow – 226001, India

📞 Phone: +91 9015211521

📧 Email: admin@armfintech.com

🌐 Website: https://www.armfintech.in/

If you believe your privacy rights have been violated, please contact us and we will promptly address your concerns