Privacy Policy

1. Who we are and what this Policy covers

Infidhan Recovery Solutions LLP is a limited liability partnership registered under the Limited Liability Partnership Act, 2008, with its registered office at No. 5, 1st Floor, Sri Sachyay Krupa Complex, Hulsur Bazaar, G Street, Jogupalyam, Halasur, Bangalore - 560008, Karnataka, India. We decide why and how the personal information described in this Policy is processed — in legal terms, we are the “body corporate” under the Information Technology Act, 2000 and the “Data Fiduciary” under the Digital Personal Data Protection Act, 2023.

This Policy applies to:

• visitors to the Website;
• people who enquire about our services by WhatsApp, phone, email or in person;
• clients who engage us;
• legal heirs, nominees, co-holders and authorised representatives whose information is shared with us in connection with a case.

2. The laws we follow

We handle personal information in accordance with the laws of India, including:

• the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (the “SPDI Rules”), which apply today;
• the Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025 (together, the “DPDP Law”). Under the Government’s notifications, most of its provisions on notice, consent and individuals’ rights are being brought into force in phases, with the principal provisions due from May 2027. We have written this Policy and designed our practices so that they meet the DPDP Law as and when each provision applies;
• other laws that require us to keep or disclose records, such as tax, accounting and company-law requirements.

3. Information we collect

What we collect depends on how you interact with us. In the course of an enquiry or a recovery case, this may include:

Under the SPDI Rules, financial information such as bank account and demat details is “sensitive personal data or information”. We collect it only with your consent and only for the purposes in section 5.

4. How we collect it

• From you — through WhatsApp, calls, email, meetings, and the documents you hand over or send.
• From others, on your authority — such as registrars and transfer agents, companies’ nodal officers, depositories and depository participants, mutual fund registrars, banks and the IEPF Authority, when we obtain holding statements, verification reports or status updates as part of your case.
• Automatically — basic technical information when you use the Website.

5. Why we use your information

We use personal information only for specific, stated purposes:

• to respond to your enquiry and book consultations;
• to trace and evaluate your holdings and tell you what looks recoverable;
• to prepare, execute and file documents, and to liaise with companies, registrars, depositories, banks and authorities on your behalf;
• to keep you updated on the progress of your case;
• to issue invoices, receive payments, and maintain accounts and tax records;
• to meet our legal, regulatory and professional obligations;
• to detect, prevent and investigate fraud, impersonation and misuse;
• to establish, exercise or defend legal claims;
• to improve the Website and our services, using aggregated or anonymised information where possible.

We do not sell, rent or trade personal information. We do not use it for third-party advertising, and we do not make automated decisions about you. We send marketing messages only if you ask for them or consent to them, and you can opt out at any time.

6. Consent and your choices

• Consent. By contacting us or sharing documents with us, you consent to the processing described in this Policy. For sensitive personal data, we rely on your express consent, which may be given in writing, by email or by WhatsApp message.
• Legitimate uses. Once the relevant DPDP Law provisions are in force, we will also rely on the “legitimate uses” the law allows — for example, where you voluntarily give us information for a purpose you have told us about, or where processing is needed to comply with law.
• Withdrawing consent. You can withdraw consent at any time by writing to info@moneyclaim.in. This does not affect processing already done lawfully. If you withdraw consent that is essential to your case, we may not be able to continue working on it, and we may need to keep certain records as the law requires.
• Information about other people. If you give us documents about a deceased holder or other heirs, you confirm that you are entitled to do so and that you will share only what is needed for the case.

7. Who we share it with

We share personal information only as far as needed for the purposes in section 5, and only with:

• Companies, registrars and transfer agents, depositories and depository participants, mutual fund registrars and banks — to trace, verify, transmit, convert or credit your holdings;
• The IEPF Authority and other government or regulatory bodies — to file and follow up claims and applications;
• Professionals and vendors engaged for your case — such as advocates, notaries, stamp-paper vendors and courier services;
• Our personnel and associates, who are bound by confidentiality obligations;
• Service providers that support our operations — such as messaging, email, cloud storage, e-signature and accounting tools — which may only use the information to provide their service to us;
• FormSubmit (formsubmit.co) — the third-party form-to-email service that carries the enquiry you submit through the Website’s “Book a Free Consultation” form to our inbox (see section 13);
• Auditors and professional advisers, under duties of confidentiality;
• Courts, tribunals, regulators and law-enforcement agencies, where the law requires or a lawful order compels disclosure.

Messaging platforms such as WhatsApp process messages under their own terms and privacy policies.

8. Transfers outside India

Some tools we use — for example messaging, email, cloud storage, mapping and form-delivery services (including FormSubmit) — are provided by global companies and may process information on servers outside India. We choose reputable providers, limit what is shared, and will comply with any restrictions the law places on transfers to particular countries.

9. How we protect your information

We follow reasonable security practices and procedures, as the SPDI Rules require, which include:

• limiting access to the people working on your case, on a need-to-know basis;
• confidentiality undertakings for our personnel and associates;
• password-protected devices and accounts, and access-controlled storage for digital documents;
• keeping original documents in secure custody and returning them to you at the end of the engagement;
• sharing documents with companies and authorities only through the channels they require;
• secure deletion or disposal of information we no longer need.

No system is completely secure, and we cannot guarantee absolute security. If a personal data breach occurs that affects you, we will notify you and the relevant authority as required by law.

10. How long we keep it

We keep personal information only for as long as it is needed for the purposes in section 5 and to meet legal, tax, accounting and professional record-keeping requirements. When it is no longer needed, we delete or anonymise it. Original documents you gave us are returned to you at the end of the engagement; we may keep copies where the law or our professional obligations require, or where needed to defend a legal claim.

11. Your rights

Subject to applicable law, you may ask us to:

• tell you what personal information we hold about you and how we use it;
• correct, complete or update inaccurate or outdated information;
• erase your information, unless we must keep it to meet a legal obligation;
• withdraw your consent (see section 6);
• address a grievance about how we have handled your information (see section 14);
• nominate another person to exercise these rights on your behalf if you die or become unable to do so.

To make a request, write to info@moneyclaim.in. We may ask you to verify your identity first, and we will respond within the time prescribed by law.

12. Children

Our services are not directed at children under 18. Where a minor is a holder or legal heir, we deal only with the minor’s parent or lawful guardian, and we process the minor’s information only with that person’s verifiable consent, as the law requires.

13. Cookies, embedded services and external links

The Website does not currently use advertising or analytics cookies. However, it uses some third-party services that may collect technical information:

• Google Fonts — your browser requests fonts from Google, which receives your IP address;
• Google Maps — the map in our Contact section is an embedded Google service that may set cookies and collect usage information when it loads;
• Enquiry form (FormSubmit) — when you submit the “Book a Free Consultation” form, the details you enter (name, mobile number, email ID if given, type of investment, your message, and the page address) are sent to FormSubmit, a third-party service, which delivers them to our email inbox at info@moneyclaim.in. FormSubmit processes this data to deliver the message and is governed by its own terms and privacy policy. We receive and use your enquiry as described in this Policy. Only the details you type into the form are sent; the optional eligibility quiz on the Website runs in your browser and nothing is sent unless you submit the form;
• WhatsApp links — clicking “Chat on WhatsApp” opens WhatsApp, which is governed by its own privacy policy.

The Website also links to external portals (such as MF Central, the RBI’s UDGAM portal and the IEPF Authority). These are not operated by us, and we never see your login details on them. You can control cookies through your browser settings. If we add analytics or other tools in future, we will update this Policy and, where required, ask for your consent.

14. Grievance Officer and complaints

If you have a question, concern or complaint about your personal information, please contact our Grievance Officer:

We will acknowledge your complaint and work to resolve it within the time prescribed by law. If you are not satisfied, you may take the matter to the Data Protection Board of India under the DPDP Law once the relevant provisions are in force, or to any other forum the law provides.

15. Changes to this Policy

We may update this Policy from time to time — for example, as the DPDP Law comes into force or as our services change. The “Last updated” date at the top shows when it was last revised. If we make material changes, we will highlight them on the Website. Continuing to use the Website or our services after an update means you accept the revised Policy.

16. Governing law

This Policy is governed by the laws of India. Subject to any rights you have under applicable law, courts at Bengaluru, Karnataka have jurisdiction over disputes arising from it, as set out in our Terms & Conditions.