Privacy Policy

Introduction

Ojus One, a mutual fund distribution platform operated by Royal Monarch Fintech Private Limited ("Royal Monarch"), operates the website accessible at www.ojusone.com and related online platforms and mobile applications (collectively, the "Platform").

Royal Monarch is committed to protecting your privacy and using technology that enables a secure and efficient online experience for mutual fund investments and financial planning.

This Privacy Policy explains how Royal Monarch collects, uses, shares, and protects your information when you access or use Ojus One's mutual fund distribution and financial planning services through the Platform.

Scope and Acceptance

By accessing or using the Platform or by submitting your information to Ojus One, you consent to the collection, use, storage, and disclosure of your information in accordance with this Privacy Policy and applicable laws.

If you do not agree with any part of this Privacy Policy, you should discontinue use of the Platform and refrain from providing your information, subject to regulatory requirements.

Information Collected

Ojus One may collect the following categories of information:

System Data: IP address, device identifiers, browser type, operating system, access time, and referring website address, primarily to diagnose server issues, administer the Platform, and analyse usage patterns.

Registration Data: Name, email address, mobile number, PAN, date of birth, address, and other KYC details required under SEBI/AMFI and other applicable regulations to create and maintain your mutual fund investment account.

Financial & Investment Data: Bank account details, payment instrument details, mutual fund portfolio information, transaction history, purchase/redemption/SIP instructions, nominee details, and other investment-related information needed to process and service your mutual fund transactions.

Demographic & Profile Data: Pin code, age, income range, occupation, risk profile, goals, and preferences, used to personalise content, tools, and financial planning services on the Platform.

Communications Data: Records of your communications with Ojus One including emails, calls, messages, chat interactions, and feedback submitted through the Platform.

Ojus One may also receive information about you from KYC registration agencies (KRAs), AMCs, RTAs, payment gateways, and other regulated entities to comply with legal, regulatory, and operational requirements.

Use of Information

Your information may be used for the following purposes:

To enable you to register, complete KYC, and access the Ojus One mutual fund distribution platform and related financial planning tools.

To process mutual fund purchases, redemptions, switches, SIP/STP/SWP instructions, and to maintain and display your investment portfolio and transaction history.

To comply with applicable laws, SEBI/AMFI/Exchange/other regulatory guidelines, and reporting obligations.

To provide personalised investment experiences, recommendations, calculators, and planning features based on your profile and preferences.

To send alerts, confirmations, statements, notifications, and service updates related to your investments and account.

To send information about Ojus One's products, services, and select partner offerings, subject to consent and opt-out options where applicable.

Cookies and Tracking Technologies

The Platform may use cookies, web beacons, and similar technologies to improve user experience, remember your preferences, and understand how the Platform is used.

You may adjust your browser settings to refuse cookies, but some portions of the Platform may not function properly if cookies are disabled.

Links and Third-Party Sites

The Platform may contain links to third-party websites, tools, or services, including AMC, RTA, payment gateway, or other financial service provider sites.

Ojus One is not responsible for the privacy practices, security, or content of such third party sites, and you are encouraged to review their privacy policies separately.

Co-Branded and Partner Services

Ojus One may operate co-branded sections, microsites, or features with its parent company Royal Monarch, distribution partners, or service providers.

Information collection and sharing practices may differ for such co-branded offerings, and any specific privacy statement or terms displayed there should be read in conjunction with this Privacy Policy.

Surveys, Contests, and Marketing

From time to time, Ojus One may conduct surveys, feedback forms, or promotional contests where you may be asked to provide contact information and demographic details.

Such information may be used to improve Platform features, enhance user experience, or send you information and promotional material about Ojus One or carefully selected partners, with opt-out options as described below.

Sensitive Personal Data

Subject to applicable law, the following may be treated as sensitive personal data or information:

Passwords and authentication information.

Bank account, credit/debit card or other payment instrument details.

Financial information relating to your mutual fund investments.

Any other information classified as sensitive personal data under prevailing data protection rules.

Information that is publicly available or provided under applicable law (for example, under the Right to Information Act, 2005 or similar legislation) may not be considered sensitive personal data.

Legal Basis and Regulatory Compliance

Collection and processing of personal information is undertaken to:

Comply with KYC and anti-money laundering requirements prescribed by SEBI, AMFI, and other regulators.

Facilitate mutual fund distribution, execution, servicing, and regulatory reporting.

Fulfil contractual obligations in providing access to the Platform and related services.

Certain information is mandatory for regulatory compliance and service delivery; failure to provide such information may limit or prevent access to the Platform and services.

Disclosure and Sharing of Information

Ojus One does not deliberately disclose your personally identifiable information to any unauthorised third party, except in the following situations:

To regulators, law-enforcement agencies, or governmental authorities where required under applicable law or to protect the rights, property, or safety of Ojus One, Royal Monarch, its customers, or the public.

To group entities, affiliates, AMCs, RTAs, payment gateways, technology and infrastructure providers, and other service partners strictly for enabling mutual fund distribution, payment processing, data storage, analytics, and support services, subject to appropriate confidentiality and data protection obligations.

To professional advisors (such as auditors, legal advisors, or consultants) bound by contractual confidentiality obligations.

To third parties in aggregate or de-identified form where individual identification is not possible.

Any disclosure of sensitive personal data will be consistent with applicable rules, consent obtained, and regulatory requirements.

Data Security

Ojus One adopts reasonable security practices and procedures, including managerial, technical, operational, and physical safeguards, commensurate with the nature of its business and the information handled.

While efforts are made to protect your personal information, transmission over the internet and electronic storage systems cannot be guaranteed to be completely secure, and you share information at your own risk.

Data Retention

Personal information is retained for as long as necessary for:

Providing mutual fund distribution and financial planning services.

Complying with legal, regulatory, accounting, and reporting obligations.

Resolving disputes and enforcing agreements.

Once information is no longer required, Ojus One will delete, anonymise, or securely store it in accordance with applicable law and internal policies.

Access, Correction, and Choices

You may review and update certain personal information through your account on the Platform or by contacting Ojus One through the designated channels.

Requests for correction, updating, or deletion will be processed subject to verification, regulatory constraints, and record-keeping requirements.

You may also:

Opt out of non-essential marketing communications by following unsubscribe instructions in emails/SMS or by contacting the support/consent management channel.

Withdraw consent to certain processing activities, subject to legal and contractual limitations; this may affect your ability to use all or part of the Platform.

Children's Privacy

The Platform is intended for use by adults who can legally enter into binding contracts under applicable law.

Ojus One does not knowingly collect personal information from children without appropriate parental/guardian consent as may be required under applicable regulations.

Grievance and Contact Information

For questions, concerns, or grievances relating to this Privacy Policy or your personal information, you may contact us at:

Email: care@royalmonarch.in

Royal Monarch Fintech Private Limited will endeavour to resolve grievances in a time bound manner, subject to regulatory guidelines.

Changes to this Privacy Policy

Ojus One may update or amend this Privacy Policy from time to time to reflect changes in legal requirements, technology, or its services.

The revised Privacy Policy will be effective from the date it is posted on the Platform, and continued use of the Platform after such changes constitutes your acceptance of the updated policy.

Last Updated: November 2025