Privacy Policy

Yellowsand is a fee-only financial advisory firm, proprietor Yatindra Agrawal, registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser under Registration Number INA000022622. This website is operated by Yellowsand. Throughout this policy, "we", "us" and "our" refer to Yellowsand, and "you" refers to any visitor or client.

Depending on how you interact with us, we may collect the following:

• Contact details you provide, such as your name, email address, mobile number and city, when you request a call back, submit an enquiry, take the risk assessment, or subscribe to our updates.
• Financial and personal information shared for advisory purposes, such as your income, expenses, assets, liabilities, goals, risk tolerance and KYC documents. This is collected only when you engage our services and only to the extent required to advise you.
• Website usage data, such as your IP address, browser type and pages visited, collected automatically to help us keep the site secure and improve your experience.

We collect information when you request a call back, submit the contact or risk assessment form, subscribe to our newsletter, begin the client onboarding process, or otherwise correspond with us. You are always free to decide how much information to share, though some services cannot be provided without the details required by law or by the nature of the advice.

We use the information we collect only for legitimate purposes connected to our services, including to:

• respond to your enquiries and call-back requests;
• assess your risk profile and provide suitable, personalised financial advice;
• meet our KYC, record-keeping and other obligations as a SEBI Registered Investment Adviser;
• send you service communications, and, where you have opted in, newsletters and educational updates. You can unsubscribe at any time.

We do not use your personal information to serve advertisements, and we do not sell it.

Your information is held with care. Access is restricted to authorised persons who need it to serve you and who are bound to keep it confidential. We maintain reasonable technical and organisational safeguards to protect your data against unauthorised access, alteration or disclosure. As a SEBI Registered Investment Adviser, we are also bound by the confidentiality and record-keeping requirements of the SEBI (Investment Advisers) Regulations, 2013.

Cookies are small files placed on your device that help a website recognise your browser and remember certain information. Our website may use essential cookies to keep the site working and functioning smoothly, and analytics cookies to understand how visitors use the site so we can improve it. You can set your browser to refuse cookies or to alert you when cookies are being sent. Some parts of the site may not function as intended if cookies are disabled.

We do not sell, trade or rent your personal information to others. We may share information only where it is necessary, for example with service providers who help us operate our website and business under confidentiality obligations, or where we are required to do so to comply with the law, a regulatory requirement, or a lawful request from SEBI or another authority, or to protect our rights, property or safety.

Our website may occasionally link to third-party websites or resources. These sites have their own privacy policies and we have no control over, and accept no responsibility for, their content or practices. We encourage you to read the privacy policy of any website you visit.

We retain your information for as long as needed to provide our services and to meet our legal and regulatory obligations. Client records are retained for the periods prescribed by SEBI and applicable law. When information is no longer required, it is securely deleted or anonymised.

You may ask us to access, correct or update the personal information we hold about you, or to stop sending you marketing communications, by contacting us using the details below. Please note that certain records must be retained to meet regulatory requirements even after you stop using our services.

We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. The latest version will always be available on this page with the revised date shown at the top. We encourage you to review it periodically.