Privacy Policy

Please review our Privacy Policy below.

Privacy Policy

Last Updated: 2025-03-19

Divit Finance ("Divit Finance", "Company", "we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect your information when you visit our website at www.divitfinance.com (the "Site") or otherwise interact with us in connection with our wealth and asset management services.

By using our Site or our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

  • Personal Identification Information, such as your name, date of birth, nationality, residential address, email address, and phone number.
  • Financial and Account Information, such as bank account details, investment account details, transaction history, portfolio holdings, risk tolerance, investment objectives, income, assets, liabilities, and tax status.
  • Regulatory and KYC Information, collected to comply with "know your customer" (KYC), anti‑money laundering (AML), sanctions, and other regulatory requirements (for example, identification documents, beneficial ownership information, and information about the source of funds or wealth).
  • Suitability and Profiling Information, such as your investment horizon, risk appetite, investment preferences, and other information we use to assess suitability and provide appropriate products or services.
  • Interaction and Communication Data, including records of communications with you (such as emails, meeting notes, and call logs), service requests, and feedback.
  • Usage Data, collected automatically when you use the Site, client portals, or digital tools (for example, IP address, device information, browser type, pages viewed, access times, and referring websites), often collected through cookies and similar technologies.

We may also obtain information about you from third‑party sources, such as credit reference agencies, public registers, intermediaries, and business partners, where permitted by law.

2. How We Use Your Information

We may use your information to:

  • Provide, operate, and administer our wealth and asset management services, including onboarding, account opening, portfolio construction, trading, and reporting;
  • Assess suitability and appropriateness of products and services, and recommend or implement investment strategies aligned with your objectives and risk profile;
  • Execute transactions and provide custody, settlement, and related operations support;
  • Provide performance reports, statements, tax documents, and other client communications;
  • Manage our relationships with you, including responding to inquiries, handling complaints, and delivering client service;
  • Perform research, analytics, and product development using aggregated or anonymized data to improve our offerings and risk management frameworks;
  • Comply with legal and regulatory obligations, including AML/KYC rules, tax reporting, sanctions screening, securities regulations, and record‑keeping requirements;
  • Manage risk, prevent and investigate fraud or other illegal activities, and protect the security of our systems and assets;
  • Enforce our Terms of Use and other agreements, and exercise or defend legal claims.

3. Cookies and Tracking Technologies

We use cookies and similar technologies on our Site and any online client portals to:

  • Enable secure login and session management;
  • Remember your preferences and improve your user experience;
  • Monitor Site performance and usage patterns;
  • Support analytics and diagnostics for our digital services.

You can manage cookies through your browser settings. If you disable certain cookies, some Site or portal features may not function correctly.

4. Information Sharing

We do not sell or rent your personal information. We may share information as follows:

  • Affiliates and Group Companies that support our wealth and asset management services or provide operational, technology, or compliance support;
  • Service Providers, such as custodians, brokers, trading venues, technology vendors, cloud and hosting providers, analytics providers, professional advisers (law firms, auditors, tax advisers), and compliance/AML service providers;
  • Business Partners and Intermediaries, such as financial advisers, distributors, or platforms through which you access our products, in accordance with your instructions and applicable agreements;
  • Regulators, Tax Authorities, and Other Public Bodies, where necessary to comply with applicable laws and regulations (including securities, tax, AML, and sanctions regulations) or to respond to lawful requests or orders;
  • Transaction Counterparties, where necessary for executing and settling trades or corporate actions;
  • Business Transfers, in connection with a merger, reorganization, or sale of all or part of our business, in which case personal information may be transferred as part of the transaction.

Where we share personal information with third parties, we take steps to require that they protect it and use it only for the purposes for which it was disclosed.

5. Data Retention

We retain personal information for as long as necessary to:

  • Provide products and services and maintain client relationships;
  • Comply with legal, regulatory, and tax obligations, including statutory retention periods for financial and AML/KYC records;
  • Establish, exercise, or defend legal claims.

Retention periods may extend for several years after the end of your relationship with us. When information is no longer required, we will securely delete, anonymize, or aggregate it, subject to any legal or regulatory requirements.

6. Data Security

We implement administrative, technical, and physical measures designed to protect your information against unauthorized access, loss, misuse, alteration, or destruction. These measures may include:

  • Strong authentication and access controls;
  • Encryption of data at rest and in transit where appropriate;
  • Segregation of duties and least‑privilege principles;
  • Monitoring, logging, and incident response processes.

No system is completely secure. You are responsible for protecting any credentials, devices, or channels you use to interact with us.

7. Your Rights

Depending on your location and applicable law, you may have the right to:

  • Request access to the personal information we hold about you;
  • Request correction of inaccurate or incomplete information;
  • Request deletion or restriction of processing in certain circumstances;
  • Object to certain processing activities, including direct marketing;
  • Receive your data in a portable format, where applicable;
  • Lodge a complaint with a supervisory authority.

We may need to retain certain information despite a deletion request where we are required to do so by law or have legitimate interests (for example, to comply with regulations or defend legal claims).

8. International Data Transfers

Divit Finance may operate globally and work with service providers and financial institutions in multiple countries. As a result, your information may be transferred to and processed in jurisdictions that may not provide the same level of data protection as your home country.

Where required by law, we implement safeguards for such transfers, such as standard contractual clauses or other mechanisms recognized under applicable data protection laws.

9. Links to Other Websites

Our Site or client portals may contain links to third‑party websites or services. We are not responsible for the content or privacy practices of those third parties. We encourage you to review the privacy policies of any third‑party sites or services you use.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a new "Last Updated" date. We encourage you to review this Policy periodically for changes.

11. Additional Disclosures for Wealth & Asset Management

Because Divit Finance provides wealth and asset management services, the following additional disclosures apply:

  • Suitability and Profiling: We may use personal and financial information, including questionnaires and interaction history, to assess suitability and to recommend or implement investment strategies that align with your profile and objectives.
  • Regulatory Reporting: We may share information with tax authorities, regulators, and other public authorities as required for regulatory and tax reporting (for example, under CRS, FATCA, or similar regimes).
  • Beneficial Owners, Controlling Persons, and Related Parties: Where we onboard entities, we may collect and process information about beneficial owners, directors, representatives, and other related parties in line with AML/KYC obligations.
  • Joint Accounts and Authorized Persons: Information about joint account holders and authorized representatives may be shared within the scope of the relevant mandate and regulatory requirements.
  • Marketing and Communications: Subject to your preferences and applicable law, we may use your contact details to send you market insights, product updates, or event invitations. You can opt out of marketing communications at any time.

12. Contact Us

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

Divit Finance
6 Kilmer Road, Edison, NJ 08817, United States
Phone: (229) 692-6581
Email: hr@divitfinance.com