Who we are

We are a financial product distributor, dealing mainly in mutual funds, insurance, P2P investment. We are registered with AMFI and are a sub-broker of Fincart.

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Services Related Data

If you opt for any of our services, we will collect your name, mobile number, email address initially. Afterwords data related to the KYC process and the information required to complete the process related to the services will be collected


When you subscribe to our newsletter we collect your name and email address.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you do not opt for any of our services we do not share your data with any outside party, the data is only available to us, and the third party/s service we use to maintain our website and its various functions and services.

If you choose our services we share your data only with

  • Authorised external third parties/intermediaries or any other service provider who are involved in transaction processing, dispatches, printing/marketing, unless specifically written to NJ to refrain from sharing such information with such parties;
  • Any regulatory/administrative/legislative authority and/or with the NJ for compliance with any legal, statutory or regulatory requirements for complying applicable laws for the time being in force and/or for the purpose of data storage.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profiles.

For users who opt for our services, we maintain your data as long as you retain our services or as long as we are required by the law.