Privacy Policy
Last updated: June 2026 | Effective date: June 16, 2026
Contents
About BMD Kubera
BMD Kubera ("we", "our", or "us") is a wealth intelligence and portfolio structuring platform operating under the domain bmdkubera.in. We provide bespoke investment advisory and wealth management services to individuals and families seeking structured, goal-oriented wealth creation.
This Privacy Policy explains how we collect, use, protect, and share personal information when you visit our website, enquire about our services, or engage with us as a client. By using our website or services, you consent to the practices described herein.
Information We Collect
We collect information in the following ways:
A. Information you provide directly
- Contact & identity details: Name, email address, phone number, and any other information you share when filling out enquiry forms or contacting us.
- Financial information: Investment goals, risk appetite, portfolio details, income range, and related financial data shared during the onboarding or discovery process.
- KYC documents: As required by applicable regulations (e.g., PAN, Aadhaar, address proof), collected only when you become a client and with explicit consent.
- Communications: Messages, emails, or notes you exchange with our team.
B. Information collected automatically
- Usage data: Pages visited, time spent, click patterns, and browser interactions on bmdkubera.in.
- Device & technical data: IP address, browser type, operating system, and device identifiers.
- Cookies: Session cookies and analytics cookies (see Section 8 for details).
C. Information from third parties
- Referral information if you are introduced to us through a partner or existing client.
- Publicly available information relevant to providing you with accurate financial insights.
How We Use Your Information
We use your information for the following purposes:
- To provide services: Understand your financial goals, structure your portfolio, and deliver wealth advisory services.
- To communicate with you: Respond to your enquiries, send updates on your portfolio, and share relevant market insights.
- Regulatory compliance: Meet obligations under SEBI regulations, PMLA, and other applicable Indian financial laws.
- Service improvement: Analyse usage patterns on our website to improve user experience and service quality.
- Marketing communications: Share relevant research, market commentary, or service updates — only with your consent, and with an easy option to opt out at any time.
- Security and fraud prevention: Detect and prevent unauthorised access or fraudulent activity.
We do not sell, rent, or trade your personal information to any third party for marketing purposes.
Data Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These include:
- SSL/TLS encryption for all data transmitted through our website.
- Access controls limiting data access to authorised personnel only.
- Secure storage systems with regular security reviews.
- Confidentiality agreements with all team members and vendors who handle personal data.
Data Retention
We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable law:
- Client records: Retained for a minimum of 5 years after the end of the client relationship, as mandated by SEBI and PMLA regulations.
- Website enquiry data: Retained for up to 2 years, or until you request deletion.
- Marketing communications consent: Retained until you withdraw consent.
Once data is no longer required, it is securely deleted or anonymised.
Your Rights
You have the following rights in relation to your personal information:
- Right to access: Request a copy of the personal data we hold about you.
- Right to correction: Ask us to correct inaccurate or incomplete information.
- Right to deletion: Request deletion of your data, subject to regulatory retention requirements.
- Right to withdraw consent: Withdraw consent for marketing communications at any time without affecting the lawfulness of prior processing.
- Right to data portability: Request your data in a structured, machine-readable format where technically feasible.
- Right to object: Object to processing of your data in certain circumstances.
To exercise any of these rights, please write to us at info@bmdkubera.com. We will respond within 30 days of receipt of your request.
Third-Party Links
Our website may contain links to third-party websites, research platforms, or financial portals for informational purposes. BMD Kubera is not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party sites you visit.
Grievance Redressal
In accordance with applicable Indian law, if you have any grievance related to the processing of your personal data, you may contact our designated Grievance Officer:
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or regulatory requirements. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or a prominent notice on our website.
We encourage you to review this policy periodically. Continued use of our website or services after any changes constitutes your acceptance of the revised policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please reach out to us: