Privacy Policy

General

Unibonds Securities ("Unibonds", "we", "us", or "our") is a broking entity that facilitates investments in debt instruments such as corporate bonds, government securities, and other investment products. As a financial services intermediary, We collect, process, and store personal and financial data of individuals in order to comply with regulatory obligations and deliver efficient, secure services.

This Privacy Policy sets out how Unibonds Securities collects, uses, discloses, and protects Your personal data when You interact with Our services. These services are made available through Our digital infrastructure, including but not limited to Our website (www.unibondss.in), mobile applications, APIs, communication interfaces, and associated technologies (collectively, the "Platform"). The Platform enables users to access and use investment-related services offered by Unibonds Securities—such as account onboarding, KYC verification, execution of transactions in debt instruments, investment management tools, and customer support. This Privacy Policy applies to all users of the Platform, including retail investors, high-net-worth individuals, prospective customers, service partners, and any individual whose data is submitted or collected in connection with Our services.

We are committed to safeguarding the privacy of Our users and ensuring compliance with applicable laws and regulations, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, SEBI regulations, and other relevant legal frameworks applicable in India.

As a registered financial intermediary, We are required to collect sensitive personal and financial data including KYC documents, identity proof, investment details, and transaction history. This information is necessary for account creation, regulatory compliance, order execution, transaction processing, and customer support.

By accessing or using the Platform, or by submitting Your data voluntarily, You agree to the terms of this Privacy Policy and authorize Unibonds to collect, use, share, and retain Your personal information in the manner described herein. If You do not agree with this policy, You are advised to discontinue use of Our services.

This Privacy Policy may be updated from time to time based on legal or operational requirements. We encourage users to review this document periodically to stay informed about how their data is handled. The latest version will always be available on Our website.

This policy should be read in conjunction with Our Terms of Use, User Agreement, and any product-specific disclosures You may receive during onboarding.

Consent

By accessing Our Platform, registering an account, submitting Your personal or financial information, or using any of Our services—whether through Our website, mobile application, or offline processes—You provide Your free, informed, specific, and unambiguous consent for the collection, processing, use, storage, and sharing of Your personal data as described in this Privacy Policy.

This consent forms the legal basis for the processing of Your data in accordance with applicable Indian laws, including but not limited to:

• The Information Technology Act, 2000
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• The Securities and Exchange Board of India (SEBI) regulations
• The Prevention of Money Laundering Act, 2002 (PMLA)

In compliance with applicable data protection laws, You have the right to provide or withdraw consent for the processing of Your personal data. By submitting Your data to us, such as PAN, Aadhaar, bank account details, KYC documents, or investment preferences, You are consenting to its use for lawful purposes including account onboarding, regulatory compliance, transaction execution, reporting, and customer service.

Your consent is obtained through clear, affirmative actions at the point of data entry—whether via digital forms, onboarding workflows, or paper-based submissions—and is revocable at any time. Where applicable, We may also request Your explicit and separate consent for non-essential activities such as marketing communications or investor outreach programs. You may withdraw Your consent at any time by writing to support@unibonds.in. However, please be aware that withdrawing consent essential for regulatory or contractual purposes may impact Your ability to use Our services.

By continuing to use the Platform, You acknowledge that You have read, understood, and voluntarily agreed to the terms of this Privacy Policy and authorize Unibonds Securities to process Your data in accordance with the applicable laws.

Grievance Redressal

Unibonds Securirties is committed to protecting Your privacy and ensuring transparent and effective resolution of any grievances, complaints, or concerns You may have regarding the collection, use, processing, or disclosure of Your personal data.

If You believe that Your data has been misused, accessed without authorization, or processed in violation of this Privacy Policy or applicable laws, You can write to us at support@unibonds.in. We treat all complaints with seriousness and aim to provide timely and satisfactory resolutions.

Types of Data Collected from You

To offer You secure and compliant access to bond trading and related investment services, Unibonds Securities collects various categories of personal and sensitive personal data from you. The data We collect is required either to comply with legal and regulatory frameworks, facilitate Your transactions, or enhance Your overall experience on Our Platform.

We collect the following types of data:

How We Collect Data from You

Unibonds Securities collects personal, financial, and transactional data through multiple secure and lawful channels. The collection of data is essential for the purpose of onboarding, verifying, and servicing investors under applicable legal and regulatory frameworks such as SEBI, RBI, PMLA. We collect data either directly from you, automatically when You interact with Our Platform, or through authorized third-party sources.

The methods through which We collect Your data include:

Purpose and Use of Your Data

We recognise and acknowledge the value and importance of the protection of Your personal and non-personal information and ensure that the same will be used for the intended purpose(s). By virtue of this Privacy Policy, We will collect/ receive/ share/ process/ use/ store Your personal information and/or non-personal information in accordance with applicable laws to provide You with the Unibonds Securities on the website and mobile application, enhance the user experience, manage Our relationship with You, build affluence scores/ user insights, analyse data for the introduction of new services and features, and as may be required to comply with any regulatory requirements and contractual obligations, which may inter alia include:

1. Facilitating the services on the Platform provided by us, including:
   • Setting up Your designated investment account and facilitating the processing of Your investment instructions which You may initiate through the website or mobile application via Your designated account ("Transaction Instructions").
   • Maintaining a record of Your transaction instructions, transactions and holdings, generating and sending reminders, alerts, notifications to You for transactions, upcoming funds transfers, etc.
2. Verifying Your identity for the purposes of allowing You to avail of the services on the Platform.
3. Checking/ updating/ registering Your KYC details in centralized KYC databases KRA Databases.
4. Resolving Your queries, concerns and providing You with support in case of any issues during the use of the services on the Platform.
5. Informing You about any offers relating to the services on the Platform including sharing of marketing material with You.
6. Streamlining and customizing Your experience of using the Platform.
7. Informing You about the progress of and issues with, if any, pertaining to the transactions' instructions initiated by You and the resolution thereof or relating to the services on the Platform availed by You.
8. To resolve any customer support related issues. To contact You via phone, WhatsApp, SMS or email for appointments, technical issues, payment reminders, obtaining feedback and other security announcements;
9. Tracking, analysing and maintaining information about Your use of the Platform.
10. Carrying out research, planning and statistical analysis.
11. Undertaking analytics for the purposes of developing or improving Our products, services on the Platform, security, service quality, and advertising strategies.
12. Managing Our infrastructure and business operations and complying with internal policies and procedures.
13. Conducting due diligence checks as may be required under applicable laws, regulations or directives.
14. Complying with all applicable laws, regulations, rules, directives, orders, instructions and requests from any authorities, including regulatory, governmental, tax and law enforcement authorities or other authorities.
15. Undertaking financial reporting, regulatory reporting, management reporting, risk management, audit and record-keeping activities.
16. Enforcing obligations owed to Us.
17. Enabling us, and Bonds Issuers to communicate with You with respect to the products/services that You may have availed by or through Us. To send promotional and marketing emails from Us or any of Our channel partners via WhatsApp, SMS, email or third-party communication services.
18. Using Your information in other ways as required or permitted by law or with Your consent.
19. Collection of data by cookies which helps us track, analyse and understand Your trends so as to enable us to understand lacunas (such as slow response time on the Platform) and improve Your interactive experience of availing Our services on the Platform, Our design, features and functionalities.
20. Using Your information to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of Our Terms, breach of Our agreement with You or as otherwise required by law.
21. Disclosing personal information about You to Our representatives, service providers and other third parties to comply with applicable laws and regulations. We reserve the right to disclose Your personal information to third parties in an anonymous or aggregate form, upon the consent of the user, to understand customer trends and patterns and manage and improve Our business relationships. We provide Your personal information to Our business partners, representatives and third-party processors to administer and process for the purposes notified to You in this privacy policy, and We may also share such details with third parties (such as auditors or legal advisors) to obtain professional advice. Any such processing will be governed by an agreement in the form required by law, preserving any and all of Your statutory data protection rights.
22. Disclosure or transfer of Your personal information with courts and government agencies in certain instances such as for the verification of identity, or for prevention, detection, investigation, prosecution, and punishment for offences, or in compliance with laws. You hereby consent to the disclosure or transfer of Your personal information in these instances.
23. Disclosure of personal information with Our other corporate and/or parent/associate entities and the affiliates to (i) help detect and prevent identity theft, fraud and other potentially illegal acts and cyber security incidents, and (ii) help and detect co-related/related or multiple accounts to prevent abuse of services on the Platform.
24. Additionally, while negotiating or in relation to a change of corporate control such as a restructuring, merger or sale of Our assets, We may have to disclose Our databases and information We have stored in the course of Our operations, subject to execution of appropriate confidentiality agreements, and strict compliance with data security requirements.

Sharing and Transferring of Personal Information

Unibonds Securities is committed to handling Your personal information with the highest standards of confidentiality and in full compliance with applicable laws and regulatory requirements, including SEBI regulations, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. Your personal data may be shared or transferred, only where necessary and with adequate safeguards, to third parties for lawful and legitimate purposes directly related to the operation of Our bond investment Platform and the delivery of services to you.

1. Regulatory Authorities and Legal Obligations: We may be required to disclose Your personal information to statutory, regulatory, or governmental authorities such as the Securities and Exchange Board of India (SEBI), Reserve Bank of India (RBI), Income Tax Department, Financial Intelligence Unit (FIU-IND), or judicial/quasi-judicial bodies. This includes disclosures required for compliance with applicable KYC/AML laws, tax obligations (e.g., FATCA/CRS), regulatory reporting, or pursuant to a court order, legal summons, or directive under applicable law. We may also share Your information for the purposes of verifying Your identity or transaction patterns in the course of legal investigations or audit processes.
2. Service Providers, KRAs, Depositories, and Business Partners: In the course of delivering services, We may share Your information with trusted third-party vendors and intermediaries who are bound by strict confidentiality and data processing agreements. This includes KYC Registration Agencies (KRA) such as CVL KRA or NDML for identity verification, depositories (NSDL/CDSL) for validation of Demat details and settlement of securities, payment gateways and banks for transaction execution, R&T agents, and custodians involved in processing Your investments. We also collaborate with licensed issuers and distributors of bonds, who may need to access relevant investor information to fulfil regulatory or contractual obligations under the transaction.
3. Affiliates, Group Entities, and Internal Transfers: Your personal data may be shared with Our group companies, affiliates, or corporate associates, including holding, subsidiary, and associate companies, for internal reporting, shared infrastructure management, compliance oversight, and risk management purposes. These entities may assist in fraud prevention, cyber threat detection, and identity verification efforts by helping us detect suspicious activity such as duplicate accounts, unauthorized access, or misuse of Platform services. All such internal transfers are conducted under appropriate legal safeguards and are limited to the intended, stated purposes only.
4. Professional Advisors, Auditors, and Business Transfers: We may share Your information with external professional advisors including auditors, legal counsel, tax consultants, and compliance specialists, strictly on a need-to-know basis and within the limits of lawful engagement. These disclosures may be required during routine compliance audits, regulatory assessments, or corporate investigations. Additionally, in the event of a merger, acquisition, reorganization, asset sale, or transfer of business, Your information may be transferred to the successor entity, subject to the condition that such entity continues to maintain equal or higher levels of data protection and confidentiality. In such cases, You will be notified in advance, and the handling of Your information will remain governed by this Privacy Policy unless otherwise agreed.

All sharing and transfers of personal information are governed by confidentiality obligations, data processing agreements, and applicable legal protections. We do not sell Your personal information to any third party. Wherever data is shared or processed by third parties, it is done with strict access controls, encryption standards, and audit trails to ensure the integrity and security of Your personal data.

Use of Cookies

We, Our third-party service providers and Our partners may send "cookies" to Your computer or use similar technologies to enhance Your online experience at Our Platform. "Cookies" are files that can identify You as a unique customer and store Your personal preferences as product preferences to tells us which site pages You have visited and in what order. We use cookies and other technical information to personalise Your visit to the Platform, to analyse traffic on the Platform and to track user trends, patterns and selections for authorised download and for technical reasons connected with Your use of Our Platform.

Cookies can either be permanent (i.e. they remain on Your computer until You delete them) or temporary (i.e. they last only until You close Your browser). We may store both temporary or permanent 'cookies' on Your computer/device to store certain data (that is not sensitive personal information). You may choose to opt out of non-essential cookies through Your browser settings. Essential cookies necessary for platform functionality may still be used. You can configure Your computer's browser to alert You when We attempt to send You a cookie with an option to accept or refuse the cookie.

Security

At Unibonds Securities, We understand the importance of protecting Your personal and financial information. We are committed to keeping Your data safe and preventing any unauthorized access, misuse, or loss.

To ensure Your information is secure, We follow strict internal procedures and use appropriate safety measures. These include protecting Your data during transmission, allowing only authorized staff to access Your information, and keeping Our systems updated to prevent any unwanted access. We also train Our employees to handle Your data responsibly and securely.

When We share Your information with trusted third parties like banks, payment partners, or verification agencies, We make sure they also follow strong privacy and security standards.

While We take every reasonable step to protect Your data, no system is completely free from risks. If there is ever a situation where Your information is exposed or misused, We will take necessary action and inform the concerned authorities and you, in line with legal requirements.

We also encourage You to take simple precautions like keeping Your login details private and using secure devices when accessing Our Platform.

Third Party Links

Our Platform may contain links to third-party websites, applications, or services that are not owned or controlled by Unibonds Securities. These third-party links are provided for Your convenience and may include links to payment gateways, partner Platforms, KYC verification services, educational content, bond issuers, or regulatory websites.

Please note that once You leave Our Platform and access a third-party site, You will be subject to the terms, conditions, and privacy policies of that external website or service. Unibonds Securities does not have control over, and is not responsible for, the privacy practices, content, accuracy, or operations of any third-party Platform.

We do not endorse or make any representations about the third-party websites linked through Our Platform. Accessing or using such websites is entirely at Your own discretion and risk. We encourage You to carefully review the privacy policies and terms of use of any third-party service before sharing Your personal information with them.

Any interaction You have with a third party, including data shared directly on their Platforms, will not be governed by this Privacy Policy. Unibonds Securities shall not be liable for any loss or damage that may arise from Your use of such third-party services or websites. If You have questions or concerns about how Your data is handled on those sites, We recommend contacting the third party directly.

Data Retention

Unibonds Securities retains Your personal and financial information only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, including legal, regulatory, operational, and archival requirements.

We may retain Your data for a minimum period of 8 years from the date of Your last transaction or account closure, as required under applicable laws including SEBI, PMLA, and tax regulations. In some cases, We may be required to retain information longer for audit, legal, or compliance purposes.

After the applicable retention period, Your data is securely deleted, anonymized, or archived in accordance with Our data retention and destruction policies.

You may contact us to know more about the applicable retention period for Your data.

Your Rights

As a user of Unibonds, You have certain rights regarding Your personal data. We are committed to upholding these rights in compliance with applicable laws and sectoral regulations issued by SEBI, RBI, and other authorities.

You may request that any personal information You have provided to us be corrected or updated if it is found to be inaccurate, incomplete, or outdated.

You have the right to withdraw Your consent for processing of personal data where such processing is based on Your prior consent. Withdrawal of consent may affect Our ability to continue offering certain services that rely on such data.

You may object to or request that We restrict the processing of Your data in certain situations, such as when data is used for purposes based on Our legitimate interests or for promotional communications.

You may request a copy of Your personal data in a structured, commonly used, and machine-readable format, where technically feasible and as permitted by applicable law.

You may raise a complaint or grievance in relation to the exercise of any of the above rights or if You believe Your data has been processed contrary to law.

To exercise any of these rights, You may contact us at support@unibondss.in . We may require You to verify Your identity before acting on any request.

Disclaimer of Information

Unibonds Securities makes every effort to ensure that the information provided by users is protected and used lawfully. However, We do not guarantee the absolute security of information transmitted over the internet, and You acknowledge that any data shared through electronic means is at Your own risk.

We shall not be responsible for any loss, damage, or unauthorized access to Your information arising due to reasons beyond Our reasonable control, including but not limited to cyber-attacks, technical failures, or acts of third parties.

Our Platform may contain links to third-party websites or applications. We do not endorse or control the privacy practices of such external sites, and We disclaim responsibility for any data shared by You with those entities.

By using Our services, You agree that Unibonds Securities shall not be held liable for any misuse or loss of information not caused by its own negligence.

Changes to Privacy Policy

Unibonds Securities reserves the right to update, revise, or modify this Privacy Policy at any time to reflect changes in legal requirements, regulatory guidelines, or Our internal practices. Any such changes will be posted on Our Platform with the "Last Updated" date. We encourage You to review this Policy periodically to stay informed about how Your data is protected and used. Continued use of Our services after such changes constitutes Your acknowledgment and acceptance of the revised Policy. Significant changes may also be communicated to You via email or in-app notification.