PRIVACY POLICY
SPOTLITE SERVICES respect customer privacy and committed to protecting the personal information you provide while using our website, digital services, and consultancy services.
This Privacy Policy explains how we collect, use, store, disclose, and protect information obtained from visitors, customers, prospective customers, and users of our website.
By accessing or using this website, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
Depending on how you interact with our website and services, we may collect the following information:
A. Personal Information
You may voluntarily provide information such as:
(1) Full name (2) Mobile/telephone number (3) Email address (4) Postal address (5) Date of birth or age, where required for a particular service (6) Educational information (7) Employment or occupation information (8) Financial information where necessary for a requested financial service (9) Insurance-related information required for policy-related services (10) Other information that you voluntarily provide through forms, enquiries, applications, or communications
We only seek information that is reasonably necessary for the particular service or purpose.
B. Technical Information
When you visit our website, certain technical information may automatically be collected, such as:
(1) IP address (2) Browser type and version (3) Device type (4) Operating system (5) Website pages visited (6) Date and time of access (7) Referring website (8) General website usage information.
This information may be used for website security, analytics, troubleshooting, and improving our services.
2. How We Collect Information
We may collect information when you:
(1) Submit an enquiry through our website (2) Fill out a contact or service-request form (3) Request information about our products or services (4) Communicate with us through email, telephone, messaging platforms, or other channels (5) Register for or use any digital service provided by us (6) Participate in surveys, feedback forms, or promotional activities (7) Browse or interact with our website.
3. How We Use Your Information
We may use the information collected for purposes including:
(1) Responding to your enquiries (2) Providing requested products or services (3) Providing financial, insurance, investment, savings, or education-related assistance (4) Processing service requests and applications (5) Communicating with you regarding your enquiries or services (6) Providing customer support (7) Verifying information where reasonably necessary (8) Meeting applicable legal, regulatory, compliance, and record-keeping requirements (9) Preventing fraud, misuse, unauthorized access, or security threats (10) Improving our website, products, and services (11) Conducting website analytics and performance monitoring (12) Sending service-related communications (13) Sending promotional or informational communications where permitted and appropriate.
We will not use your personal information for purposes that are materially inconsistent with the purpose for which it was collected without an appropriate legal basis or your consent, where consent is required.
4. Financial & Investment Information
SPOTLITE SERVICES may provide information, assistance, or facilitation relating to financial products such as:
(1) Mutual Funds (2) Portfolio Management Services (PMS) (3) Specialized Investment Funds (SIF) (4) Bonds (5) Debentures (6) Savings instruments (7) Corporate Fixed Deposits and other financial or investment products
Where information is required to facilitate a particular financial service, we may collect and share relevant information with the applicable registered/authorized financial institution, intermediary, product provider, or service provider, subject to applicable law and the purpose for which the information is required.
We do not collect financial information merely for general website browsing.
5. Insurance Information
If you request insurance-related services, we may collect information necessary to provide or facilitate those services.
Depending on the insurance product, this may include information required for:
(1) Insurance quotations (2) Proposal processing (3) Policy servicing (4) Customer verification (5) Claims-related assistance (6) Communication with the relevant insurer or authorized intermediary
Insurance-related information may be shared with the applicable insurance company, intermediary, or service provider when necessary to provide the requested service and subject to applicable requirements.
6. Education Consultancy Information
If you use our education consultancy services, we may collect information such as:
(1) Student name (2) Contact information (3) Academic qualifications (4) Course preferences (5) Institution preferences (6) Admission-related information (7) Other information necessary for providing the requested consultancy service
Such information may be shared with relevant educational institutions or service providers only when reasonably necessary for the requested service and subject to applicable requirements.
7. Sharing of Personal Information
We do not sell or rent your personal information to third parties.
We may disclose or share information where reasonably necessary with:
(1) Financial institutions (2) Mutual fund-related entities (3) Registered/authorized financial intermediaries (4) Insurance companies and authorized intermediaries (5) Banks or financial service providers (6) Bond/debenture or other product issuers (7) Corporate fixed deposit providers (8) Educational institutions (9) Technology and website service providers (10) Payment service providers (11) Professional advisers or service providers (12) Government authorities or regulatory bodies where legally required
Information will be shared only for legitimate business, service, legal, regulatory, security, or customer-requested purposes, as applicable.
8. Third-Party Service Providers
Our website or services may use third-party providers for functions such as:
(1) Website hosting (2) Website security (3) Analytics (4) Communication (5) Payment processing (6) Online forms (7) Customer support (8) Email delivery (9) Cloud storage (10) Other technical services
These third parties may process information on our behalf or as independent service providers, depending on the nature of their services. We expect relevant service providers to maintain appropriate safeguards for information entrusted to them.
9. Cookies & Similar Technologies
Our website may use cookies and similar technologies to improve functionality, understand website usage, remember preferences, and enhance security.
Cookies may help us understand:
(1) Which pages visitors use (2) How visitors navigate our website (3) Website performance (4) General visitor preferences (5) Security and technical issues
You may be able to control or disable cookies through your browser settings. However, disabling certain cookies may affect the functionality of some parts of the website.
10. Data Security
We take reasonable technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, misuse, loss, or destruction. However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. Therefore, while we take reasonable precautions, we cannot guarantee absolute security of information transmitted through the internet.
11. Marketing Communications
Where permitted by applicable law, we may send information about our products, services, offers, educational content, or updates. You may request to stop receiving promotional communications at any time by contacting us or using the unsubscribe mechanism provided in the relevant communication.
Please note that you may continue to receive essential service-related communications where necessary.
12. Links to Other Websites
Our website may contain links to websites operated by third parties, including financial institutions, insurers, educational institutions, payment providers, or other service providers. We are not responsible for the privacy practices, security, content, or policies of third-party websites. We recommend reviewing the privacy policy of each third-party website before providing personal information.
13. Consent
By using our website or voluntarily submitting your personal information to SPOTLITE SERVICES, you acknowledge that you have read and understood this Privacy Policy. Where applicable, we will obtain consent or rely on another lawful basis for processing personal information as required by applicable law.
SPOTLITE SERVICES
Your Digital Partner for Financial, Insurance & Education Solutions
Mutual Funds | PMS | SIF | Savings Instruments | Bonds | Debentures | Corporate Fixed Deposits | Insurance | Education Consultancy
Plan Better. Protect Better. Invest Smarter.
SPOTLITE SERVICES — Helping You Navigate Your Financial & Digital Journey.
— Admin —
Email – 251265sadique@gmail.com