Plan Your Future

    Privacy Policy

    Last updated: 30 August 2026

    At Plan Your Future ("we," "us," or "our"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.planfuture.in and use our financial planning services.

    1. Information We Collect

    Usage Data

    We automatically collect information about how you interact with our platform, including pages visited, time spent, and features used. This helps us improve our services.

    Session Data

    Chat conversations with our AI assistant are stored temporarily in your browser's session storage. This data is automatically cleared when you close your browser or refresh the page.We do not permanently store your chat conversations on our servers. No account registration or login is required to use our services.

    2. How We Use Your Information

    • To provide personalized financial education and planning tools
    • To communicate with you about our services and respond to inquiries
    • To improve and optimize our website and user experience
    • To comply with legal obligations and regulatory requirements
    • To assist in mutual fund distribution as an authorized distributor

    3. Data Security

    We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

    • Encrypted data transmission using SSL/TLS protocols
    • Session-based storage for sensitive chat data (no permanent server storage)
    • Regular security assessments and updates
    • Access controls limiting who can view your data

    4. Your Rights

    Under applicable Indian data protection laws, you have the following rights:

    • Access: Request a copy of your personal data
    • Correction: Request correction of inaccurate data
    • Deletion: Request deletion of your personal data
    • Withdraw Consent: Withdraw consent for data processing at any time

    5. Third-Party Disclosure

    We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except as required by law or to trusted partners who assist us in operating our website and services, provided they agree to keep this information confidential. This may include mutual fund houses and regulatory bodies as part of our role as an authorized mutual fund distributor.

    6. Cookies and Tracking

    Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies help us understand how you use our site and allow us to improve our services. You can control cookie settings through your browser preferences.

    7. Changes to This Policy

    We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically to stay informed about how we protect your information.

    8. Contact Us

    If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

    Transparency & Regulatory Disclosure

    1. Past Performance: All returns, Alpha, and Sharpe Ratio data are based on historical model triggers. Past performance is not a guarantee of future results.

    2. No Assured Returns: Per SEBI guidelines, Plan Your Future AI does not provide "Guaranteed" or "Assured" returns. Equity investments are subject to market risks.

    3. Model Portfolio: Performance reflects a theoretical model portfolio. Individual results may vary due to execution timing, fees, and taxes.

    4. Data & AI-Driven Outputs: All outputs are purely data-driven, rules-based, and AI-generated — not financial advice. Koustav Biswas is a Registered Authorized Person (AP) of NSE & BSE, AMFI-registered Mutual Fund Distributor (ARN-299498), and IRDA-licensed Insurance Distributor — NOT a SEBI Registered Investment Advisor (RIA). For professional advice, please consult your registered human professional for the respective area.

    Statutory Warning: Investment in securities market are subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI is not a guarantee of returns.

    Disclaimer

    Disclaimer: All content on this platform is purely data-driven, rules-based, and AI-generated. It does not constitute investment advice, tax advice, insurance advice, or a signal to buy/sell any security. Investing in the securities market carries inherent risks. Please read all relevant scheme-related documents, KIM, SID, and risk factors carefully before making any investment decisions. Past performance is not indicative of future results. For professional advice, please consult your registered human professional for the respective area. Koustav Biswas is a Registered Authorized Person (AP) of NSE & BSE, AMFI-registered Mutual Fund Distributor, and IRDA-licensed Insurance Distributor — NOT a SEBI Registered Investment Advisor (RIA). Our remuneration comes from commissions or brokerage fees paid by product companies. We do not charge additional fees for our value-added services. Our role is limited to plan making, data insight discussion, and assisting with the execution and sale of financial products. The customer is solely responsible for their own investment decisions. Registration granted by SEBI, AMFI, IRDA, NSE, or BSE and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. I/We am/are acting as an AMFI-registered Mutual Fund Distributor and Authorized Person — NOT a SEBI Registered Investment Advisor (RIA). I/We do NOT provide investment advice as defined under SEBI (Investment Advisers) Regulations, 2013.

    © 2026 Plan your Future. All rights reserved.