Menu
Privacy Policy
Effective Date: 14/09/2026
At Visor, we believe your financial data belongs to you.
Your financial information can tell a very personal story about your life, your priorities and your future. We therefore take a simple approach to privacy: we collect only what we need, use it only for clear purposes, keep you in control, and are transparent about how your information is handled.
This Privacy Policy explains how Visor collects, uses, stores, shares and protects your personal information when you visit our website, use our products and services, communicate with us, or otherwise interact with us.
Please read this policy together with any specific consent or notice presented to you when you provide information or use a particular Visor service.
1. Who we are
Visor is a financial advisory and financial planning platform operated by WealthOS Technologies Private Limited (“Visor”, “we”, “us” or “our”).
Registered office: 1B, Bijayati towers, 72, Halls road, Kilpauk, Perambur Purasawalkam, Chennai- 600010, Tamil Nadu
Privacy contact: Sainath
Grievance contact: compliance@visorwealth.in
Where applicable, Visor acts as the entity responsible for determining how and why your personal data is processed.
2. Our approach to your data
We follow a few principles in everything we do with your information:
Your data belongs to you.
We collect information only when there is a clear reason for us to use it.
We collect only what is reasonably necessary for that purpose.
We explain why we need information before or when we collect it.
We do not use your financial information for unrelated purposes without an appropriate legal basis or your consent, where consent is required.
You remain in control of your information and can exercise the rights available to you under applicable law.
We do not sell your personal information.
We do not share your personal financial information with third parties for their own marketing purposes without your appropriate consent.
We use appropriate technical and organisational measures to protect the information entrusted to us.
3. What information do we collect?
The information we collect depends on how you interact with Visor.
Information you provide directly
This may include:
Name
Mobile number
Email address
Age or date of birth
PAN and other identification information where required
KYC information
Financial goals and priorities
Income and employment information
Expenses and cash-flow information
Savings and investments
Loans and liabilities
Insurance information
Risk-profile information
Information you provide in conversations with us
Information you provide when you contact us or request support
We will only ask for information that is relevant to the service or purpose for which it is being collected.
Financial information
Where you choose to connect financial accounts or information sources, we may receive information such as:
Bank account information
Account balances
Transactions
Investments and securities
Mutual fund holdings
Insurance information
Loans and liabilities
Other financial information made available through the relevant connection
Where financial information is obtained through an Account Aggregator or another regulated consent-based mechanism, the applicable consent framework will apply.
Information collected automatically
When you use our website or services, certain technical information may be collected automatically, such as:
IP address
Device and browser information
Operating system
Website or app activity
Pages viewed and interactions
Approximate location derived from technical information, where applicable
Diagnostic and security information
We use this information primarily to operate, secure and improve our services.
4. Why do we collect your information?
We collect and use information only for clear and legitimate purposes, including to:
Provide financial advice and planning
We use relevant information to understand your financial situation, goals, priorities and risk profile and to provide financial analysis, planning and recommendations.
Personalise your experience
We may use information to make our services, communication and recommendations more relevant to you.
Monitor and review your financial plan
Where you have engaged Visor for ongoing advice, we may use your information to help review your circumstances and identify where your financial plan may need to change.
Provide and improve our services
We use information to operate, maintain, troubleshoot and improve our products and services.
Communicate with you
We may use your contact information to:
Respond to your questions and requests
Provide information about your engagement
Send important service communications
Share updates relating to your account or services
Communicate with you where you have asked us to do so
Security and fraud prevention
We may process information to protect our customers, systems and services, detect suspicious activity, prevent fraud and maintain security.
Legal and regulatory requirements
We may process and retain information where required to comply with applicable laws, regulations, regulatory requirements, court orders, audits, investigations or other lawful obligations.
Business operations
We may use information for accounting, billing, record-keeping, internal controls, dispute resolution and other activities necessary to operate our business.
5. We collect only what is useful
We do not believe in collecting information simply because it might be useful someday.
Before asking for information, we consider whether it is genuinely needed to:
Understand your financial situation
Provide better financial analysis
Give you appropriate advice
Operate the service you have requested
Keep the service secure
Meet a legal or regulatory requirement
If information is not needed for one of these purposes, we aim not to collect it.
6. How we use your financial information
Financial information is central to the services Visor provides, so we treat it with particular care.
We may use your financial information to understand your current position, analyse your cash flows, savings, investments, loans and other financial commitments, assess your risk profile, understand your goals and develop financial recommendations.
We may also use information you provide over time to review whether your financial plan continues to make sense as your circumstances change.
We will not use your financial information for unrelated purposes simply because we have access to it.
7. How Visor uses AI
Visor uses artificial intelligence to support parts of our services. AI may be used to help analyse information, identify patterns, organise information, support financial analysis, improve personalisation, assist advisors and make parts of the service faster and more useful.
AI does not replace the responsibility Visor has for the services we provide.
AI systems used by Visor operate within processes, controls and review mechanisms established by Visor. Where AI plays a material role in an interaction or service, we will aim to provide appropriate information about its use.
We do not treat AI as a reason to collect information that we otherwise would not need.
Where third-party AI or technology providers are used to process personal information, we will assess and manage those providers in accordance with our security, privacy and contractual requirements.
8. How we share your information
We do not sell your personal information.
We may share information where it is necessary to provide the service, operate our business, comply with law, protect our users or where you have provided appropriate consent.
This may include sharing information with:
Service providers
We may use trusted third-party providers for services such as:
Cloud infrastructure
Data storage
Analytics
Communication
Customer support
Identity verification
KYC
Security
Payments
Technology infrastructure
AI and other software services
These providers may process information on our behalf and are expected to use it only for the purposes for which we engage them and in accordance with applicable contractual and legal requirements.
Financial information providers
Where you choose to connect a financial account through an Account Aggregator or another consent-based mechanism, information may be exchanged through the applicable regulated framework and your consent.
Regulators, authorities and legal processes
We may disclose information where required or permitted by law, regulation, court order, regulatory direction or lawful government request.
Security and fraud prevention
We may disclose information where reasonably necessary to detect, prevent or investigate fraud, security incidents, unlawful activity or threats to our users or systems.
Business transactions
If Visor is involved in a merger, acquisition, restructuring, financing, sale of assets or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law and appropriate protections.
We will not share your financial information with another organisation for its own marketing or unrelated commercial use without your appropriate consent.
9. Your consent and control
Where consent is the basis for processing your personal information, we will seek consent in a clear and understandable manner.
You should not have to agree to unrelated uses of your information simply to use a service that does not require them.
Where applicable, you may withdraw consent. Withdrawal of consent will not affect the lawfulness of processing that took place before withdrawal.
After withdrawal, we will stop or restrict processing based on that consent within a reasonable period, unless we are required or permitted to continue processing the information under applicable law.
10. Your rights
Subject to applicable law, you may have rights including the ability to:
Know what personal information we process and why
Request access to your personal information
Request correction of inaccurate or incomplete information
Request deletion of personal information where permitted
Withdraw consent where consent is the basis for processing
Request information about how your information is being used
Request information about the sharing of your information, where applicable
Raise a grievance about our handling of your personal information
Nominate another individual to exercise applicable rights on your behalf, where provided for under applicable law
Some requests may be subject to legal, regulatory or contractual limitations. For example, we may need to retain certain information to comply with legal or regulatory obligations, maintain required records, resolve disputes or establish or defend legal claims.
To exercise your rights, contact us at:
compliance@visorwealth.in
We may need to verify your identity before acting on a request. This is to protect your information from unauthorised access.
11. Data retention
We keep personal information only for as long as it is reasonably necessary for the purpose for which it was collected, or for as long as required by applicable law, regulation, contractual obligations, dispute resolution or legitimate record-keeping requirements.
For example, where Visor is subject to regulatory requirements applicable to investment advisers, certain client, advice, risk-profile and interaction records may need to be retained for prescribed periods.
When information is no longer required, we will delete it, anonymise it or securely dispose of it in accordance with our retention practices and applicable law.
12. How we protect your information
We use reasonable and appropriate technical and organisational measures designed to protect your information against:
Unauthorised access
Unauthorised use
Loss
Misuse
Alteration
Disclosure
Destruction
These measures may include access controls, authentication, encryption where appropriate, logging, monitoring, secure infrastructure, employee controls and other security practices appropriate to the nature of the information.
Access to financial information is limited to people and systems that need it for an authorised purpose.
No digital service can guarantee absolute security. If we become aware of a security incident affecting your personal information, we will respond in accordance with applicable law and our incident-response procedures.
13. Cookies and tracking technologies
Visor may use cookies, pixels, SDKs and similar technologies to operate and secure our website and services, understand how they are used, remember preferences and improve our services.
These technologies may include:
Necessary technologies
These help our website and services function properly and may not be optional where they are required for the service.
Analytics technologies
These help us understand how people use our website and where we can improve it.
Preference technologies
These help remember choices you make.
Marketing technologies
Where used, these may help us understand the effectiveness of marketing or show more relevant communications.
Where applicable, we will provide controls that allow you to manage non-essential cookies or tracking technologies.
We do not use tracking technologies to collect financial information simply for advertising purposes.
14. Marketing communications
We may occasionally send you information about Visor, our services, educational content, events or other relevant updates.
Where required, we will obtain the appropriate consent before sending marketing communications.
You can opt out of marketing communications at any time by using the unsubscribe mechanism provided in the communication or by contacting us.
Opting out of marketing will not stop important service-related communications that are necessary for an existing engagement.
15. Communications from Visor
Some communications are necessary for us to provide our services. These may include:
Account and security notifications
Service updates
Appointment or engagement information
Payment information
Important changes to our services
Information relating to your financial plan or advisory relationship
You may not be able to opt out of these communications while using the relevant service.
We will not use necessary service communications as a way to send unrelated marketing.
16. Third-party links and services
Our website or services may contain links to third-party websites, applications or services.
Those services are governed by their own privacy policies and terms. Visor is not responsible for the privacy practices of third parties that operate independently from us.
Where we integrate a third-party service into the Visor experience, we will seek to provide appropriate information about the role that service plays and the information it may process.
17. Storage and Processing of Personal Data
Visor is committed to keeping your personal information within India and will process and store personal information in India, subject to applicable law and regulatory requirements.
We will not transfer your personal information outside India except where such transfer is permitted under applicable Indian law and regulatory requirements.
Where third-party service providers are used to support our services, we will require them to meet appropriate privacy and security requirements and will ensure that their handling of your information is consistent with our obligations.
18. Complaints and Grievance Redressal
If you have a concern about how Visor has collected, used, stored or otherwise handled your personal information, we encourage you to contact us first.
You can raise a privacy-related request or grievance using the contact details provided at the beginning of this Privacy Policy.
We will review your concern and respond within the time period required under applicable law.
You may also exercise any rights or pursue any remedies available to you under applicable law.
19. Changes to this Privacy Policy
As Visor grows, our services, technology and legal or regulatory obligations may change. We may therefore update this Privacy Policy from time to time.
If we make material changes, we will take reasonable steps to bring them to your attention through our website, application, email or another appropriate channel, where required.
The latest version of this Privacy Policy will always be available on our website, along with the date on which it was last updated.
Where a change requires your consent under applicable law, we will seek your consent before continuing the relevant processing.
20. Questions, Requests and Contact
If you have a question about this Privacy Policy, want to understand how your information is being used, or wish to exercise your rights, please contact us using the privacy contact details provided at the beginning of this Privacy Policy.
We encourage you to reach out whenever you are unsure about how your information is being handled. We will endeavour to provide a clear explanation and assist you with your request.