Policies
At Samrat Investments, your privacy, finances, and our planet are important. Our policies are built to protect you.
Unhappy within 30 days? Get a full refund. We're committed to a sustainable future.
Refund Policy
Account Closure and Refunds
If you decide to discontinue using our services, you can request to close your account. We are happy to offer a full refund of your remaining account balance under the following conditions:
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Request Window: You must submit your account closure request within 30 days of signing up for our service.
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Refundable Balance: Only the remaining balance in your account at the time of closure is refundable. Any fees associated with using the service will be deducted from the refundable amount.
How to Request a Refund
To request a refund and close your account, please follow these steps:
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Contact our customer support team through [preferred method - email, online form].
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Clearly state your intention to close your account and request a refund.
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A customer support representative will guide you through the closure process and confirm your eligibility for a refund.
Processing Time
Once your account closure request and refund are confirmed, you can expect to receive your refund within 3 business days via your original payment method.
Exceptions
Please note that refunds may not be available in certain situations, including:
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Violations of Terms of Service: If your account is closed due to a violation of our Terms of Service, you may not be eligible for a refund.
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Chargebacks: If you dispute a charge with your payment provider (chargeback), we may be unable to process a separate refund.
Important Note:
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Closing your account will terminate your access to all paid services offered by Samrat Investments, including loans, financial planning, budgeting tools, funding options, fellowship, and the Freedom Venture program.
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To renew your investment account after closure, you will be required to maintain a minimum investment balance of INR 145,000.
Contact Us
If you have any questions about our refund policy or account closure process, please don't hesitate to contact our customer support team through [preferred method - online form, email "serve@samratinvestment.acom"].
Privacy Policy
Understanding Our Privacy Practices
This Privacy Policy outlines how Samrat Investments collects, uses, safeguards, and discloses information collected from users of our website, located at http://www.samratinvestment.com/. We take your privacy seriously and are committed to protecting your personal information.
What Information Do We Collect?
We collect two primary categories of information:
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Personal Identification Information (PII): This encompasses data that can be used to identify you as an individual. It may include details like your name, email address, and mailing address along with KYC as required. We only collect PII when you choose to provide it, such as during registration, using specific features on our site, or contacting customer support. While providing your PII is optional, withholding it may limit your ability to access certain functionalities or services.
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Non-Personal Identification Information (Non-PII): This category includes technical data about your device and browsing activity. Examples include your browser type, operating system, internet service provider (ISP), and browsing history. Non-PII is collected automatically whenever you interact with our website.
Cookies and Similar Technologies
Our website may utilize cookies to enhance your user experience. Cookies are small data files stored on your device that allow us to remember information about your visit, such as your preferences or login details.
This streamlines your experience by eliminating the need to repeatedly enter the same information. You have the option to disable cookies within your browser settings. However, be aware that doing so may limit the functionality of certain aspects of our website.
How We Use Your Information
The information we collect serves various purposes that contribute to your overall experience and the improvement of our services. Here's a breakdown of how we utilize your data:
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Website Operation: We use your information to ensure the website functions correctly and displays content accurately. This includes managing your account, processing transactions, and delivering requested services.
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Enhanced Customer Service: Your information helps us personalize your experience and provide efficient support. We can use it to respond to your inquiries, address your concerns, and offer relevant recommendations.
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Personalized User Experience: By analyzing aggregated data, we gain insights into how users interact with our website. This allows us to tailor your experience by presenting features and content that align with your interests and preferences.
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Site Improvement: We value your feedback and use it to constantly enhance our website, products, and services. Your information helps us identify areas for improvement and make informed decisions that benefit the overall user experience.
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Communication and Updates: We may use your email address to send you periodic updates about our services, important account information, or relevant news related to Samrat Investments. Additionally, it allows us to respond directly to your inquiries, questions, or requests.
Your Information Security
We prioritize the security of your information and implement appropriate safeguards to protect it from unauthorized access, alteration, disclosure, or destruction. These measures include secure data storage practices, access controls, and security protocols.
Sharing Your Information
We understand the importance of data privacy and do not sell, trade, or rent your PII to third parties. However, we may share aggregated demographic information that is not linked to any individual user with business partners, affiliates, and advertisers. This information helps us understand user trends and improve our services.
Children's Privacy Protection
Samrat Investments prioritizes the safety and privacy of children. Our website is not designed for children, and we strictly prohibit the collection or maintenance of personal information from anyone under the age of 18.
If a guardian wishes to allow a minor to utilize our services for any monetary purposes, such as investments or financial planning tools, verifiable parental consent is mandatory. This requires the guardian to attach the following documents during account creation:
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Proof of the guardian's relationship to the minor (e.g., birth certificate)
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A valid government-issued ID for the guardian
We take these measures to ensure responsible financial practices and protect the privacy of children.
Updates to Our Privacy Policy
We reserve the right to update this Privacy Policy periodically. We will notify you of any significant changes by posting a notification on our website and, if you have provided an email address, sending you a notification. We encourage you to review this policy regularly to stay informed about how we handle your information.
Your Acceptance of This Policy
By using our website, you signify your acceptance of this Privacy Policy. If you do not agree to the terms outlined in this policy, please refrain from using our website. Your continued use of the site following any updates to this policy constitutes your acceptance of those changes.
Contact Us
If you have any questions or concerns regarding this Privacy Policy or our data practices, please don't hesitate to contact us. We value your feedback and are committed to addressing any inquiries you may have.
Last Updated
This Privacy Policy was last updated on February 04, 2023.
Know Your Customer (KYC) Policy
Why KYC?
We take investor protection seriously.
Our Know Your Customer (KYC) policy helps prevent illegal activities like money laundering and allows us to understand your financial situation better. This lets us recommend suitable investments and manage risk effectively. KYC applies to all financial institutions, including online platforms like ours.
Who Needs KYC?
KYC is mandatory for all investors, regardless of investment amount or type (funds, SIPs, lumpsum investments). This includes:
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Individuals
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Non-individuals (entities)
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Guardians investing for minors
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Power of Attorney (PoA) holders managing investments
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Beneficiaries of investments handled by professionals (stockbrokers)
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Individuals inheriting investment units (transmission upon death)
How to Complete KYC
To invest with Samrat Investments, all investors (individuals and non-individuals) must complete KYC for identity and address verification. This involves submitting the following documents:
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Completed KYC Application Form (including joint account details)
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Proof of Identity documents (list provided on the KYC form)
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Proof of Address documents (list provided on the KYC form)
Submitting Your Documents
You can submit your KYC documents online through our account opening form or at any SEBI-verified intermediary associated with Samrat Investments. After successful verification, you'll receive a confirmation email and your account documents within 6 months of signup.
Samrat Investments Commitment
We are committed to protecting your data and ensuring ethical practices in investment and information management.