Privacy Policy

Use of Analytics and Tracking Tools

We use third-party analytics tools to understand how our website is used, improve our content, and keep the website secure and reliable. These tools collect information about your visits in an anonymised or pseudonymised form and do not show us your name or direct contact details.

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The main tools we use are:

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Google Analytics 4 (GA4)

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We use Google Analytics 4 to measure and analyse traffic on our website. GA4 collects information such as:

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• Pages you visit and actions you take on the site

• Time spent on pages and navigation paths

• Your device type, browser type and approximate location (city/region)

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Google Analytics 4 uses IP anonymisation by default, which means Google does not store full IP addresses in our reports. We use this information to understand how visitors use our site and to improve our content and services. For more information on how Google processes data, you can refer to the Google Privacy Policy and Google’s documentation on Google Analytics.
 

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Microsoft Clarity and Microsoft Advertising

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We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioural metrics, heatmaps and session replay. This helps us understand which parts of our site are working well and where users may face difficulty, so that we can improve our products and services.

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Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of content and overall online activity. We may also use this information for site optimisation, fraud and security purposes, and advertising.

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For more information about how Microsoft collects and uses data, please visit the Microsoft Privacy Statement:

https://www.microsoft.com/privacy/privacystatement

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We configure Microsoft Clarity so that sensitive information entered in form fields (for example, passwords or payment details) is not recorded in session replays.

Cookies and Similar Technologies

Our website uses cookies and similar technologies (such as pixels and local storage) to:

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• Operate and secure the website

• Remember your preferences and settings

• Understand how visitors use the website (analytics)

• Improve performance and content over time

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Some cookies are strictly necessary for the website to function (for example, to keep you logged in or maintain your session). These do not require your consent. Other cookies, including analytics and advertising cookies, are used only with your consent where required by applicable law.

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You can control cookies in several ways:

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• By adjusting your browser settings to block or delete cookies

• By using browser tools or extensions that limit tracking

• By changing your preferences in any cookie banner or settings made available on the website

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Please note that if you disable certain cookies, some parts of the website may not function properly.

Personal Data, Purpose, and Legal Basis

When you contact us through forms, email, phone or WhatsApp, we may collect information such as your name, contact details, city, and details about your financial or insurance query. We use this information to:

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• Respond to your requests and provide our services

• Maintain records of interactions with clients and prospective clients

• Improve our services and website

• Comply with our legal and regulatory obligations as financial and insurance intermediaries

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We process your personal data based on:

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• Your consent (for example, when you submit a form or agree to receive communications)

• The need to perform a contract or take steps at your request before entering into a contract

• Compliance with legal and regulatory requirements under Indian law (including AMFI, IRDAI and related obligations)

• Our legitimate interests in running and improving our business, while respecting your rights and expectations

Use of Zoho CRM and Contact Forms

When you submit the contact form on our website, we may collect the following information:

• Title

• First name and last name

• Company name (if provided)

• Mobile number

• Email address

• Description of your query or message

We use this information to:

• Respond to your enquiry

• Contact you regarding mutual funds, life insurance, health or general insurance guidance (as relevant to your request)

• Maintain records of enquiries and client interactions in our customer database

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We store and manage these form submissions in Zoho CRM, a customer relationship management platform provided by Zoho Corporation. Zoho acts as our service provider and processes this data on our behalf. Zoho implements its own security and privacy controls, which you can read about in the Zoho Privacy Policy at https://www.zoho.com/privacy.html.

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We do not sell your contact information. We use it only to respond to your requests, provide our services, and meet our legal and regulatory obligations as financial and insurance intermediaries.

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To protect our forms from automated spam, we also use a CAPTCHA mechanism. This is used solely to distinguish genuine submissions from automated bots and is not used by us to personally identify you.

Data Sharing

We do not sell your personal data.

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We may share your information with:

• Technology and analytics providers (such as Google and Microsoft) that process data on our behalf to provide analytics and website services

• Service providers who help us operate our website, email or communication systems

• Regulatory or government authorities if required by law or regulation

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​All such sharing is done only for the purposes described in this Privacy Policy and subject to appropriate safeguards.

Data Retention

We keep your personal data only for as long as it is reasonably required for the purposes for which it was collected, to comply with applicable laws and regulations, and to maintain business records. After this period, data is deleted or anonymised in a secure manner.

Your Rights and Choices (India)

Under applicable Indian laws, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and the Digital Personal Data Protection Act, 2023 (once fully in force), you may have certain rights in relation to your personal data, including the right to:

• Request access to the personal data we hold about you

• Request correction of inaccurate or incomplete data

• Withdraw consent for processing where consent is the legal basis (for example, marketing communications)

• Request deletion of your personal data, subject to legal and regulatory requirements

• Raise a concern or complaint about how we handle your personal data

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To exercise these rights, or if you have any questions about this Privacy Policy, you can contact us using the details provided below.

Grievance Officer / Contact for Privacy Queries

In line with Indian legal requirements, we provide a contact point for privacy-related queries and complaints.

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Grievance Officer / Data Protection Contact
Name: Saai M Rathi
Email: togetherwegrow@luxime.in
Phone: 9703153355
Address: 11-2-5/1 Dasapalla Hills, Visakhapatnam, Andhra Pradesh 530003, India

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We will aim to respond to your request or complaint within a reasonable time and in accordance with applicable law.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The “Last updated” date at the top of this page indicates when the policy was last revised. We encourage you to review this page periodically.