Your Privacy Matters to Us

KukuMF ("we", "us", "our") is an AMFI Registered Mutual Fund Distributor (ARN-347452) and IRDAI Licensed Insurance Distributor (TATAAIA4727185), operating from Shop No. 25, Suket Shopping Complex, Near Bus Stand Sundernagar, District Mandi, Himachal Pradesh – 175002.

This Privacy Policy governs how we collect, use, store, and protect personal information provided by users ("you") through our website or in the course of using our services.

We collect only the information necessary to provide our services and meet regulatory obligations:

Your personal information is used only for legitimate purposes tied to our services and regulatory obligations:

• Processing mutual fund transactions and SIP registrations
• Completing KYC verification as mandated by SEBI and AMFI
• Facilitating insurance policy issuance under IRDAI guidelines
• Sending account statements and transaction confirmations
• Communicating about schemes, NAV updates, and service alerts
• Compliance with anti-money laundering (AML) obligations
• Responding to investor grievances and SEBI SCORES complaints
• Improving our website experience and services

We share your information only where legally required or necessary for service delivery:

• Asset Management Companies (AMCs) — to process your mutual fund transactions as mandated by SEBI.
• KYC Registration Agencies (KRAs) — CAMS KRA, CVL KRA, NDML, Karvy KRA, and DOTEX for KYC verification as per AMFI requirements.
• Registrar & Transfer Agents (RTAs) — CAMS and KFintech for folio maintenance and transaction processing.
• Insurance Companies — for policy issuance and claims processing under IRDAI-regulated arrangements.
• Regulatory Bodies — SEBI, AMFI, IRDAI, Income Tax Department, and FIU-IND as required by law.
• Technology Service Providers — Hosting, email, and CRM providers bound by strict confidentiality obligations.

Our website uses cookies to enhance your browsing experience and analyse usage. We use:

• Essential Cookies — Required for the website to function correctly. Cannot be disabled.
• Analytics Cookies — Google Analytics to understand how visitors use our site. All data is aggregated and anonymous.
• Functional Cookies — Remember your preferences for a better experience.

You may disable non-essential cookies through your browser settings. This may affect the functionality of certain pages.

We implement appropriate technical and organisational measures to protect your personal information:

• SSL / TLS encryption for all data transmissions
• Restricted access — only authorised personnel handle client data
• Secure document storage with access controls
• Regular review of data handling practices
• Aadhaar stored in masked form per UIDAI guidelines
• PAN data protected per Income Tax Act requirements

As an investor, you have the following rights regarding your personal information:

• Right to Access — Request a copy of the personal data we hold about you at any time.
• Right to Correction — Ask us to correct inaccurate or incomplete information in your records.
• Right to Withdraw Consent — Withdraw consent for non-mandatory communications at any time.
• Right to Grievance Redressal — File a complaint with us directly, or escalate to SEBI's SCORES portal at scores.sebi.gov.in or AMFI at amfiindia.com.
• Right to Data Portability — Request your data in a structured, readable format where technically feasible.

We retain personal data only as long as necessary or as required by law:

• KYC Records — Minimum 5 years after account closure as mandated by SEBI and PMLA.
• Transaction Records — Minimum 8 years per Income Tax Act and SEBI regulations.
• Insurance Documents — Policy duration plus applicable regulatory retention period.
• Communication Records — 3 years from last interaction, unless regulations demand longer.
• Website Usage Data — Up to 26 months (Google Analytics standard retention).

Our website may contain links to external websites including SEBI, AMFI, and AMC portals. This Privacy Policy applies only to our website.

We are not responsible for the privacy practices of third-party websites. Please read the privacy policy of every external site before providing personal information.

We may update this Privacy Policy from time to time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify registered clients via email or SMS for significant changes
• Post a prominent notice on our website homepage

Continued use of our website after changes constitutes acceptance of the revised policy.

For any questions or requests related to this Privacy Policy, please reach us: