1. Information We Collect
We collect personal information necessary to deliver high-quality asset management services, comply with regulatory obligations, and maintain security.
A. Information Provided Directly by You
Identifiers & Contact Data: Full legal name, residential address, mailing address, email address, phone number, and emergency contact details.
Government Identification & KYC Data: Aadhar Number, Permanent Account Number (PAN), proof of address, date of birth, and nationality (required for Know Your Customer / Anti-Money Laundering compliance).
Financial & Investment Data: Bank account details, wire instructions, net worth, annual income, source of funds, risk tolerance, investment goals, tax status, ITR, and transaction history.
Communications: Records of correspondence, emails, inquiries, or feedback submitted through our investor contact forms.
B. Information Collected Automatically
Device & Technical Data: IP address, browser type, operating system, unique device identifiers, and network information.
Usage Data: Pages viewed, duration of visit, referral URLs, clickstream data, and interactions on our web platform or client portal.
Cookies & Tracking Technologies: We use session cookies, persistent cookies, and web beacons to enhance portal navigation, analyze trends, and secure user sessions.
2. How We Use Your Information
We process your personal information for lawful business and regulatory purposes, including:
Providing Asset Management Services: Managing investment portfolios, executing trades, processing capital calls and distributions, and generating client statements.
Identity Verification & Compliance: Meeting legal and regulatory requirements, such as Know Your Customer (KYC), Anti-Money Laundering (AML), and Foreign Account Tax Compliance Act (FATCA) regulations.
Account Management & Client Communication: Providing updates on performance, responding to inquiries, issuing tax reports, and delivering administrative notices.
Security & Fraud Prevention: Monitoring account activity to detect unauthorized access, fraud, cyber threats, or operational risks.
Business Operations & Improvement: Conducting audits, optimizing website performance, and assessing service efficiency.
3. How We Share and Disclose Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes. We share your information only under the following circumstances:
Third-Party Service Providers & Custodians: With trusted institutions that perform services on our behalf (e.g., custodian banks, prime brokers, fund administrators, legal/audit firms, and IT hosting providers) bound by strict confidentiality obligations.
Regulatory & Legal Compliance: With government authorities, financial regulators (e.g., SEC, FINRA, SEBI, FCA), law enforcement, or courts when required by law or legal process.
Corporate Transactions: In connection with any merger, acquisition, restructuring, or sale of company assets, subject to standard confidentiality protections.
With Your Explicit Consent: Where you specifically direct or authorize us to share information with designated third parties (e.g., your personal CPA or attorney).
4. Data Security & Safeguards
We implement institutional-grade physical, technical, and administrative safeguards designed to protect personal data against unauthorized access, loss, misuse, or alteration:
Encryption: SSL/TLS encryption for data in transit and multi-layered encryption for sensitive data at rest.
Access Controls: Strict role-based access restrictions ensuring only authorized personnel have access to sensitive client files.
Monitoring & Audits: Continuous network monitoring, routine vulnerability scanning, and periodic security audits.
Note: While we apply industry-standard protections, no method of electronic transmission or storage is 100% secure. We encourage clients to use strong passwords and protect their login credentials.
5. Data Retention
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, satisfy our contractual obligations, and comply with legal, regulatory, tax, or accounting retention mandates (typically 5 to 7+ years following the termination of a client relationship, depending on jurisdictional rules).
6. Your Privacy Rights & Choices
Depending on your legal jurisdiction, you may have specific privacy rights regarding your personal information:
Access & Rectification: Request a copy of the personal data we hold about you and request correction of inaccurate data.
Erasure & Deletion: Request the deletion of your personal data, subject to statutory retention exceptions required for regulatory/financial compliance.
Opt-Out of Marketing: Unsubscribe from non-essential promotional communications at any time via the link provided in emails.
Cookie Preferences: Adjust your browser settings to decline non-essential cookies.
To exercise any of these rights, please contact our Compliance & Privacy Team at the contact details below.
7. Third-Party Links
Our website or portal may contain links to third-party sites or tools. We are not responsible for the privacy practices, security, or content of external websites. We encourage you to review the privacy policies of any site you visit.
8. Updates to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our legal obligations, technology, or business operations. Any modifications will be posted on this page with an updated "Effective Date." Significant changes will be communicated via email or a prominent notice on our client portal.
9. Disclaimer
The disclaimer of liability contained in this clause applies to any and all damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of records or any other material, whether for breach of contract, negligence, or under any other cause of action.
You hereby specifically acknowledge that We are not liable for any defamatory, offensive, wrongful, or illegal conduct of third parties, or other users of the Site, the Services or the Content and Courseware and that the risk of damage or injury from the foregoing rests entirely with each user.
You agree that Our liability or the liability of Our affiliates, directors, officers, employees, agents, and licensors, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the Services or the Content and Courseware shall not exceed the fee you paid to Us.
All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
10. No Financial, Investment, Legal, or Tax Advice
General Information Only: All content, tools, market commentaries, research reports, and analysis provided by Yield Asset Management are for informational and educational purposes only. Nothing contained on our platform constitutes personal financial, legal, tax, accounting, or investment advice.
No Reliance: The Content should not be relied upon as the sole basis for making any investment decision. Investors must evaluate their own financial condition, risk profile, tax status, and liquidity needs, or consult an independent, qualified financial advisor, tax consultant, or legal counsel before making investment decisions.
11. Investment Risks & Market Volatility
Risk of Capital Loss: Investing in financial markets, equities, fixed income, derivative instruments, alternative assets, or mutual funds involves significant risk, including the possible loss of principal capital.
No Guarantee of Returns: Past performance, historical data, and back-tested results are not indicative or predictive of future performance or guaranteed returns.
Market Uncertainties: Asset values, portfolio yields, and investment returns fluctuate based on economic, market, regulatory, and geopolitical factors. Yield Asset Management gives no assurance or guarantee that any investment objective or yield target will be achieved.
12. No Solicitation or Offer
Non-Binding Content: Nothing on our website or in our materials constitutes an offer to buy, sell, or a solicitation of an offer to purchase any security, financial instrument, fund unit, or asset management service in any jurisdiction where such offer or solicitation would be unlawful or unauthorized.
Jurisdictional Restrictions: Our services are intended solely for individuals and legal entities in jurisdictions where Yield Asset Management is authorized, licensed, or exempt from licensing to conduct asset management or advisory business.
13. Forward-Looking Statements
Certain materials and reports published by Yield Asset Management may contain "forward-looking statements," including projections, forecasts, market estimations, and targets.
Words such as "anticipate," "believe," "estimate," "expect," "intend," "project," "target," and similar expressions identify forward-looking statements.
These statements are based on reasonable assumptions at the time of publication but are inherently subject to uncertainties, market risks, and changing economic conditions. Actual market performance or results may differ materially from those expressed or implied.
14. Accuracy and Timeliness of Information
Best Efforts: While we endeavor to ensure that the information provided on our website and reports is accurate, current, and obtained from reliable third-party sources, Yield Asset Management makes no representations or warranties (express or implied) as to the accuracy, completeness, timeliness, or reliability of any content.
Right to Modify: Market conditions change rapidly. We reserve the right to modify, update, or remove content at any time without prior notice, but we assume no explicit obligation to update outdated information.
15. Third-Party Links & External Tools
Our web platform may contain links to third-party websites, market data feeds, calculators, or software tools operated by independent third parties.
No Endorsement: These links are provided solely for convenience. Yield Asset Management does not endorse, verify, guarantee, or assume responsibility for the content, privacy policies, or accuracy of any external website or third-party service.
16. Limitation of Liability
To the maximum extent permitted by applicable law, Yield Asset Management, its directors, officers, employees, partners, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages—including lost profits, lost revenue, or trading losses—arising out of or in connection with:
The use of, reliance on, or inability to use our website, services, or Content.
Any errors, omissions, inaccuracies, or delays in information transmission.
Any unauthorized access to or security breaches affecting client data.
17. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data privacy practices, please contact us at:
Yield Asset Management
Attention: Data Privacy Officer / Compliance Department
Address: Sector 13, Gurgaon, India
Contact Form: www.AssetMgmt.in/