Privacy Policy

In this Agreement:

1. “Company”, “we”, “us”, “our” means Garg Ventures Private Limited, which operates the Platform under the brand “Stock Bazaar”.
2. “User”, “you”, “your” means any natural or legal person who accesses, registers on, or uses the Platform.
3. “Services” means all features, content, tools, products, services, functionalities and interfaces made available through the Platform from time to time, including market data, charts, technical screeners and scanners, analytics, back-tested and historical performance data, watchlists, portfolio tracking and import tools, research reports, educational content, alerts and notifications, community and user-generated content features, application programming interfaces, and any integrated or linked services provided by regulated intermediaries or other partners, together with any new features the Company may introduce.
4. “Third-Party Data Providers” means third-party data vendors, exchanges, quotation providers, software vendors and external information repositories that supply raw, delayed or processed data feeds to the Platform.
5. “Applicable Law” includes all Indian laws, rules, regulations, circulars and guidelines, including those issued by the Securities and Exchange Board of India (SEBI), the Reserve Bank of India (RBI) and other regulators, to the extent applicable to the Services.
6. “Personal Data” means any information relating to an identified or identifiable natural person processed by us in connection with the Platform.

1. Identification and KYC Data: Name, contact details, address and such other information as may be required under KYC / AML norms.
2. Account and Usage Data: Login credentials, device identifiers, IP address, logs of access time, pages/features accessed, clickstream data, error logs and preferences.
3. Financial and Transaction Data: To the extent relevant, holdings and portfolio information imported via integrated brokers or partners, and other information made available through such integrations, in accordance with their and our terms.
4. Marketing and Communication Data: Marketing preferences, communication history and response metrics.
5. Cookies and Similar Technologies: Data collected through cookies, web beacons and similar technologies, as described in the Cookie Policy below.
6. Technical & Log Data: IP addresses, browser specifications, access timestamps, feature usage, screener parameters, and system audit logs.
7. Financial & Billing Data: Payment gateway identifiers, subscription transaction history, and tokenised broker connections.

1. Onboarding, identity verification and KYC/AML compliance, where applicable.
2. Provision, operation and improvement of the Platform and Services, including troubleshooting, analytics, performance monitoring and user support.
3. Compliance with Applicable Law and regulatory reporting obligations.
4. Risk management, information security monitoring and fraud prevention.
5. Marketing, service updates, product information and user engagement, subject to your communication preferences.

Processing of Personal Data is generally based on one or more of the following:

1. performance of this Agreement;
2. compliance with legal obligations;
3. legitimate interests in operating and securing the Platform and Services; and/or
4. consent where specifically required (for example, for certain marketing communications and optional analytics).

1. We retain your Personal Data for as long as your account remains active and as required to provide you with the Services.
2. If you choose to delete your account or submit an account deletion request through the Platform or via email by way of the process defined in the Sign Up contract:
   1. Your account credentials, profile visibility, active watchlists, customized scanner configurations and promotional communication subscriptions will be de-activated and removed from active user databases;
   2. In accordance with the statutory obligations under the Prevention of Money Laundering Act, 2002 (PMLA), the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, and regulatory circulars, all KYC documentation, identity verifications and client due diligence records must and shall be preserved for a mandatory minimum statutory retention period including a period of not less than three (3) years after the termination of the business relationship or closure of the account, or such longer period as prescribed by law or regulatory directive;
   3. Financial transaction logs, invoices, payment gateway records, subscription billing records, tax compliance records and books of account shall be retained for internal bookkeeping, tax audits, statutory accounting and corporate governance purposes in compliance with the Companies Act, 2013, the Income-tax Act, 2025, and relevant commercial statutes for mandatory preservation periods ordinarily three (3) financial years or as required by law;
   4. Technical access logs, incident logs and ICT system audit trails shall be preserved for mandatory periods as mandated under CERT-In directions (including a minimum of 180 days) and for the period necessary to establish, exercise, or defend legal claims, enforce this Agreement, prevent fraud, or comply with lawful subpoenas and judicial orders.
3. Following the expiry of applicable statutory and audit retention periods, data will either be irreversibly anonymized, securely deleted, or overwritten in accordance with industry-standard data disposal practices.

1. Specific Minor Restriction: The Platform does not knowingly collect or solicit personal information from anyone under the age of 13, nor does it allow anyone under the age of 13 to sign up for the Service.
2. Remedial Deletion: If we discover or receive verified notice that personal information from a child under the age of 13 has been collected without parental consent, we will expeditiously delete that information from our active databases. Parents or guardians may report any suspected underage account by emailing grievance@gargventures.com.
3. General Legal Age of 18+: While the Site maintains a strict child-safety prohibition for individuals under 13, contractual registration remains strictly limited to adults who have completed 18 years of age pursuant to our Terms of Service.

Users may permanently initiate deletion of their account at any time through our automated self-service account deletion pathways:

1. Stock Bazaar Website: Navigate to Profile > Personal Info > Delete Account and confirm the deletion prompt.
2. Stock Bazaar App: Navigate to Profile -> Account -> Delete Account and complete the in-app confirmation.

To delete your account and associated data — including if you can no longer sign in — see https://stockbazaar.co.in/delete-account. That page lists exactly what is deleted, what we are required to keep and for how long, and how long deletion takes.

Upon processing an account deletion request, the following retention standards apply:

1. Active Profile Deactivation: User profiles, active watchlists, customized scanner configurations, and marketing subscriptions will be immediately deactivated and removed from active user interfaces.
2. Mandatory Retention of KYC Records: Pursuant to obligations under the Prevention of Money Laundering Act, 2002 (PMLA), the Prevention of Money-Laundering (Maintenance of Records) Rules, 2005, and regulatory circulars, all client identification records and KYC documents must and shall be preserved for a mandatory statutory period of not less than three (3) years following the closure of the account or termination of the business relationship.
3. Retention for Bookkeeping, Accounting & Tax Audits: Invoices, transaction history, billing logs, and books of account shall be retained for statutory preservation periods (a minimum of 3 financial years) under the Companies Act, 2013, and the Income-tax Act, 2025, for statutory audits, dispute defence, and corporate record-keeping.
4. Technical Logs: ICT system access logs and security incident logs will be preserved for the statutory minimum period (including 180 days pursuant to CERT-In directions).

We implement technical and organizational measures, including encryption, access controls, network firewalls, and 24x7 monitoring, to safeguard personal data.

For privacy queries, data rights, or grievance escalation, contact our Grievance Officer at grievance@gargventures.com or support@gargventures.com

You agree to indemnify, defend and hold harmless the Company, its directors, officers, employees and affiliates from and against any and all claims, liabilities, damages, losses, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of this Agreement; (b) your violation of Applicable Law; or (c) your misuse of the Platform or Services.

1. We maintain a grievance redressal mechanism consistent with expectations for financial and investment platforms to address user complaints and queries in a timely manner.
2. For any concerns relating to the Platform, including privacy, data protection or service issues, you may contact:
   1. Email (Support): support@gargventures.com
   2. Grievance Officer: Ms. Chhavi Sharma, Founder’s Associate, grievance@gargventures.com
3. The Grievance Officer shall acknowledge and endeavour to resolve grievances within the timelines prescribed by Applicable Law, where specified.

1. We may, at any time and with or without notice, suspend, restrict or terminate your access to the Platform or any part of the Services if:
   1. we reasonably suspect breach of this Agreement or Applicable Law;
   2. we are required to do so by law, a court or regulatory authority; or
   3. we discontinue or materially modify the Platform or relevant Services.
2. Upon termination, your right to access and use the Platform shall immediately cease, but provisions which by their nature should survive (including confidentiality, statutory KYC and data retention, bookkeeping, record-keeping, intellectual property, limitation of liability, disclaimers, indemnity and dispute resolution) shall continue in full force and effect.

1. We may update or modify this Agreement from time to time to reflect changes in law, regulatory guidance, business practices or Services, similar to how financial platforms periodically revise their terms and privacy disclosures.
2. Revised terms will be posted on the Platform and, where required by law, notified to you. Your continued use of the Platform after such changes constitutes your acceptance of the revised Agreement.

1. This Agreement shall be governed by and construed in accordance with the laws of India.
2. Subject to any mandatory dispute resolution processes prescribed by Applicable Law, the courts at Ferozepur, Punjab, India shall have exclusive jurisdiction over all disputes arising out of or in connection with this Agreement.
3. Nothing in this clause shall limit any rights you may have under Applicable Law to approach regulatory or statutory forums.