Privacy Policy

1. Who We Are

pensionplanning.in is an informational and educational website about the National Pension System (NPS) in India. This website introduces prospective subscribers to PensionBox (legal entity: Asht Capital Pvt Ltd), a PFRDA Pension Agent. PensionBox works as a Technology Platform as Pension Agent under PFRDA (PoP) Regulations 2023, enabling NPS account opening, fund transactions, and account management under All Citizen and Corporate NPS in India.

We are a lead introduction partner — we do not provide advisory services, open NPS accounts, hold funds, or process KYC. All regulated NPS activities (account opening, KYC, contributions, withdrawals) are handled by PensionBox at pensionbox.in.

2. Information We Collect

This website does not collect any personal information through forms, registrations, or logins. Specifically:

• There are no sign-up or contact forms on this website.
• We do not use cookies for tracking or advertising purposes.
• We do not run remarketing pixels, behavioural ad tracking, or data brokers.
• We do not collect your name, email address, phone number, or financial information.

3. WhatsApp Communication

This website contains a WhatsApp link (wa.me). When you click it, you are redirected to WhatsApp Web or the WhatsApp app. Any conversation that takes place is:

• Subject to WhatsApp's own Privacy Policy (whatsapp.com/legal/privacy-policy).
• Voluntary — you initiate the conversation and may choose what to share.
• Handled by our team for the sole purpose of answering your NPS queries.

We will not share information from WhatsApp conversations with third parties except PensionBox, and only to the extent necessary to assist with your NPS account opening request.

4. Third-Party Links

This website links to PensionBox (prucap.pensionbox.in) for NPS account opening. Once you leave this website, you are subject to PensionBox's privacy policy and terms of use. We recommend reviewing their policies before providing any personal or financial information.

We also link to PFRDA's official website (pfrda.org.in) for regulatory verification. We have no control over third-party websites and are not responsible for their content or privacy practices.

5. Cookies & Analytics

This website currently does not use cookies for tracking, advertising, or analytics. We do not use Google Analytics, Facebook Pixel, or similar tools.

If this changes in the future, this Privacy Policy will be updated and a cookie consent notice will be displayed accordingly.

6. Google Fonts

This website loads fonts from Google Fonts (fonts.googleapis.com). This causes your browser to make a request to Google's servers, which may involve Google's collection of your IP address. This is a standard practice across the web. Please refer to Google's Privacy Policy for details on how they handle this data.

7. Children's Privacy

This website is intended for adults making retirement planning decisions. We do not knowingly collect information from children under the age of 18. The NPS for minors (NPS Vatsalya) section on this website is informational only and directed at parents and guardians.

8. Data Protection Law

We are committed to compliance with the Digital Personal Data Protection Act, 2023 (DPDPA) of India. Since we do not collect personal data through this website, most DPDPA obligations do not apply in the traditional sense. However, any personal data shared with us voluntarily through WhatsApp will be:

• Used only for the purpose for which it was shared (NPS query assistance).
• Not retained beyond the period necessary to fulfil that purpose.
• Not sold, rented, or shared with unrelated third parties.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page will reflect any changes. We encourage you to review this page periodically. Continued use of this website after any updates constitutes acceptance of the revised policy.