Privacy Policy

1. Introduction

Welcome to Earner Technologies Pvt. Ltd. ("Earner", "we", "our" or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at earner.in and our mobile trading application (collectively, the "Platform").

Please read this policy carefully. If you disagree with its terms, please discontinue use of our Platform. By continuing to use the Platform, you consent to the practices described in this policy.

2. Information We Collect

We collect information that you provide directly to us and information collected automatically when you use the Platform:

• Personal Identification Information: Name, email address, phone number, date of birth, PAN card, Aadhaar number (last 4 digits), address.
• Financial Information: Bank account details, demat account details, trading history, portfolio information, income and investment profile.
• Identity Documents: PAN card, Aadhaar, passport or other KYC documents as required by SEBI regulations.
• Device & Usage Data: IP address, browser type, operating system, device identifiers, pages visited, clicks, time spent, and referring URLs.
• Communication Data: Support tickets, chat messages, emails and any other communications with our team.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To open and manage your demat and trading accounts
• To process trade orders and transactions on the stock exchanges
• To comply with SEBI, NSE, BSE, MCX and other regulatory requirements including KYC/AML obligations
• To send account statements, trade confirmations, and contract notes
• To provide customer support and resolve disputes
• To send promotional communications (with your consent)
• To improve our Platform, develop new features and conduct analytics
• To detect and prevent fraud, unauthorized access and security incidents
• To comply with applicable laws and regulations

4. Sharing Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Regulatory Bodies: SEBI, NSE, BSE, MCX, NCDEX, CDSL/NSDL as required by applicable laws and exchange obligations.
• Service Providers: Payment processors, depository participants, technology vendors and data analytics providers who assist us in operating the Platform.
• Business Transfers: In connection with any merger, acquisition, or sale of company assets.
• Legal Requirements: When required by law, court order or government authority.

5. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for all data in transit
• Two-Factor Authentication (2FA) for all accounts
• Data encryption at rest using AES-256 encryption
• Regular security audits and penetration testing
• Strict access controls and employee confidentiality agreements
• ISO 27001 certified data centers

However, no method of transmission over the internet is 100% secure. We encourage you to use strong, unique passwords and enable 2FA on your Earner account.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Platform. These help us:

• Keep you logged in to your account
• Remember your preferences and settings
• Analyze how you use the Platform
• Deliver relevant content and advertisements

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our Platform.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services to you. After account closure, we retain records as required by SEBI and other regulatory mandates, typically for a minimum of 8 years. Account activity logs are retained for 5 years from the date of the transaction.

8. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data we hold
• Correction: Request correction of inaccurate personal data
• Portability: Request transfer of your data in a machine-readable format
• Deletion: Request deletion of your data (subject to regulatory obligations)
• Opt-out: Opt out of marketing communications at any time

To exercise these rights, contact our Data Protection Officer at: privacy@earner.in

9. Children's Privacy

Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us immediately at support@earner.in.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes via email or a prominent notice on our Platform. Your continued use of the Platform after changes become effective constitutes your acceptance of the revised policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact:

• Data Protection Officer: Earner Technologies Pvt. Ltd.
• Address: 1201, XYZ Financial Tower, Nariman Point, Mumbai – 400 021
• Email: privacy@earner.in
• Phone: +91 800-000-0000 (Mon–Sat, 9 AM–6 PM)