Privacy Policy & Disclaimer | Universal Money Mart

1. Financial Disclaimer & Regulatory Disclosure

Important Notice

Vignesh Dhayalan is an AMFI Registered Mutual Fund Distributor (ARN: 288927, EUIN: E543710) and is NOT a SEBI Registered Investment Advisor (RIA). The content provided on Universal Money Mart is strictly for educational and informational purposes only and should not be construed as personalized investment, financial, or legal advice.

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance of any mutual fund scheme or stock is not an indicator of future returns.

We do not guarantee any specific returns or wealth creation. Users are strongly advised to consult with their own certified financial advisors or tax consultants before making any investment or financial decisions based on the content of this website.

2. Tools, Calculators & Mock Tests

The financial tools available on this website, including but not limited to the SIP Calculator, Budget Planner, and Tax Calculators, are provided for illustrative purposes only. They rely on mathematical formulas and user inputs to generate estimates. These figures do not guarantee actual future returns or exact tax liabilities.

The NISM Series V-A and IRDAI IC 38 Mock Tests are designed for educational practice based on publicly available syllabus patterns. They are not the official examinations. Universal Money Mart and Vignesh Dhayalan do not guarantee that passing these mock tests will result in passing the official certification exams.

3. Privacy Policy

At Universal Money Mart, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information received and collected by our website and how it is used, in accordance with India's Digital Personal Data Protection Act (DPDP Act), 2023, and applicable RBI/SEBI/AMFI guidelines.

Information We Collect

Direct Contact Information: If you contact us directly via WhatsApp, our Contact Form, or the Compliance intake form, we may receive your name, phone number, email, and the contents of your message. This information is strictly used to provide customer support, financial guidance, or compliance/documentation assistance. We do not sell your personal data to third parties.
Compliance & Documentation Data: If you request GST, MSME, ITR, PAN, or Passport-related assistance, we may collect additional identity or business documents you choose to share, solely to advise and assist you with that specific filing/application. We do not use this data for any purpose beyond the service you requested.
Log Files & Analytics: Like many other Web sites, we utilize log files and Google Analytics. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, and gather demographic information. IP addresses are not linked to any information that is personally identifiable.

Data Retention

We retain personal information only for as long as necessary to provide the service you requested, respond to your enquiry, or meet legal/regulatory recordkeeping requirements. You may request deletion of your data at any time by contacting us as below, subject to any statutory retention obligations that may apply to compliance-related records.

Cookies and Web Beacons

We use cookies to store information about visitors' preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors' browser type or other information that the visitor sends via their browser.

Google DoubleClick DART Cookie:
Google, as a third-party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our site's visitors based upon their visit to Universal Money Mart and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

4. External Links

Our website may contain links to external sites (such as official government portals, UIDAI, NSDL, AMC websites, or YouTube) that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot accept responsibility or liability for their respective privacy policies.

5. Consent

By using our website (universalmoneymart.com), you hereby consent to our Privacy Policy and agree to its Terms and Disclaimers.

6. Grievance Officer

In accordance with the DPDP Act, 2023, and applicable IT Rules, if you have any grievance regarding the processing of your personal data, please contact our Grievance Officer:

Grievance Officer: Vignesh Dhayalan
Email: universalmoneymart@gmail.com
WhatsApp: +91 7200752628
Response Time: We aim to acknowledge grievances within 48 hours and resolve them within 30 days.

7. Contact Us

If you require any more information or have any questions about our privacy policy or disclaimers, please feel free to contact us via WhatsApp at +91 7200752628.