Privacy Statement

Protecting your personal privacy and maintaining strict confidentiality over your financial records is fundamental to my practice at NovaRock Advisory. This Privacy Statement details how I collect, process, safeguard, and maintain personal, financial, and tax information across my advisory channels, digital tools, and cross-border tax preparation engagements.

1. Information I Collect

1.1 Personal and Identification Data

To execute regulated mutual fund distribution, financial planning, and cross-border US federal tax preparation, I collect verified information directly from you, including:

• Full legal name, contact details (email address, phone number, and residential/mailing address)
• Government identifiers including Permanent Account Number (PAN), Aadhaar (for Indian KYC), Social Security Number (SSN), or Individual Taxpayer Identification Number (ITIN) for IRS reporting
• Date of birth, nationality, and tax residency status (Resident, NRI, OCI, or US visa classifications such as H-1B, L-1, and F-1)
• Financial metrics including income levels, existing investment portfolios, risk tolerance profiles, and bank account information for transaction settlement
• Statutory tax documents including Indian Form 16, Form 26AS, AIS/TIS, US Form W-2, 1099 statements, foreign asset disclosures, and FBAR account ledgers

1.2 Technical Logs & Usage Data

When you interact with novarockadvisory.com, its diagnostic tools, or calculation engines, standard technical logs may be recorded automatically:

• IP address, browser type, operating system, and device parameters
• Access timestamps, pages visited, and referring URLs
• Aggregated, anonymized inputs entered into online financial calculators
• Essential functional cookies required for site navigation and cookie consent preferences

2. Purpose and Legal Basis for Processing

I process your information strictly within agreed professional boundaries for the following purposes:

• Distribution & Advisory Guidance: Evaluating mutual fund schemes, structuring goal-based asset allocations, and facilitating transactions with fund houses
• Cross-Border Tax Preparation: Preparing and electronically filing US Federal and State Tax Returns under active IRS PTIN authorization (P03472019), including FBAR, FATCA, and India-US DTAA treaty positions
• Regulatory & Statutory Compliance: Satisfying mandatory Know Your Customer (KYC), Anti-Money Laundering (AML), SEBI, AMFI, and IRS record-keeping requirements
• Direct Client Communication: Delivering portfolio review summaries, tax filing drafts, deadline notifications, and responding to inquiries
• System Security: Preventing fraudulent submissions, securing document transmission, and maintaining site integrity

3. Information Sharing and Disclosure Restrictions

3.1 Authorized Operational Channels

I disclose client information only when necessary to complete statutory filings or authorized transactions:

• Registrar and Transfer Agents (RTAs) & Asset Management Companies (AMCs): Entities such as CAMS and KFintech to register investor folios and execute authorized transactions
• Statutory and Government Authorities: The Income Tax Department of India, the US Internal Revenue Service (IRS), the Financial Crimes Enforcement Network (FinCEN), SEBI, or AMFI when required by law
• KYC Registration Agencies (KRAs): Authorized intermediary agencies for statutory identity verification
• Secure Technology Infrastructure: Regulated electronic filing gateways and encrypted transmission networks operating under confidentiality obligations

3.2 Strict Prohibition on Data Monetization

NovaRock Advisory enforces a strict non-commercial data policy:

• I never sell, rent, trade, or monetize client personal or financial information to third-party marketers, brokers, or advertisers
• I do not share client contact information with third-party insurance or product vendors without your prior written instruction

4. Security Standards & Data Protection

I employ administrative, physical, and technical safeguards to protect client records against unauthorized access, loss, or disclosure:

• Transport Layer Security (TLS/SSL) encryption for all traffic across the website and submission forms
• Encrypted cloud and offline storage for sensitive tax workpapers, ID cards, and financial schedules
• Restricted, password-protected administrative access limited strictly to the principal practitioner
• Periodic review of system endpoints, storage permissions, and transmission security

5. Cookies and Tracking Technologies

This website uses standard cookies to ensure proper site functionality. Cookies are small text files placed on your device to:

• Store your consent preferences and banner dismissal choices
• Maintain session stability while using financial calculators
• Measure aggregated website traffic performance to refine usability

You can adjust or block cookies at any time through your browser settings. Disabling essential cookies may impact the functionality of interactive tools on this site.

6. Data Retention Policies

Client records are retained for the duration of the advisory relationship and for mandatory statutory periods required under SEBI, AMFI, and IRS regulations (generally 7 to 10 years following tax filing or account settlement). After these mandatory statutory periods expire, electronic and physical records are securely destroyed.

7. Your Rights Regarding Your Information

Subject to regulatory and legal compliance constraints, you have the following rights regarding your data:

• Right of Access: Request a summary of the personal and tax documentation held in your client file
• Right to Rectification: Request prompt correction of inaccurate or incomplete details
• Right to Erasure: Request the deletion of personal information, provided it is no longer required for mandatory regulatory compliance or audit retention
• Communication Preferences: Opt out of non-essential communications at any time

8. External Websites & Third-Party Services

This website may contain links to official external platforms, such as AMFI, the IRS portal, SEBI SCORES, or payment networks. I am not responsible for the privacy practices, technical security, or content of third-party websites. I encourage you to review the privacy notices of any external site you visit.

9. Protection of Minors

My financial planning and tax preparation services are directed strictly to individuals aged 18 and older. I do not knowingly collect personal information directly from minors. When planning involves child education goals or minor dependents, all documentation is collected directly from the parent or legal guardian.

10. Revisions to This Privacy Statement

I may update this Privacy Statement periodically to align with evolving statutory regulations or operational requirements. Updated versions will be posted directly to this page with a revised effective date. Continued engagement with my practice signifies acceptance of the updated terms.

11. Governing Law & Jurisdiction

This Privacy Statement is governed by the laws of India and applicable US federal tax regulations governing registered preparers. Any disputes related to this policy shall fall under the exclusive jurisdiction of the competent courts in Kurukshetra, Haryana, India.

12. Contact & Compliance Inquiries

If you have questions, concerns, or requests regarding this Privacy Statement or the handling of your data, please contact me directly: