At Savvyy Fin Advisory LLP (SFA), we value the trust you place in us and are committed to maintaining the highest standards of security and confidentiality regarding your personal and financial data. This Privacy Policy outlines how we collect, use, store, and protect your information. By using our website www.sfallp.in, you agree to the terms and conditions set out in this policy.

1. Scope of the Policy

This policy applies to all information collected through our website, emails, online forms, or when you interact with us via any service offered through www.sfallp.in. We do not trade, rent, or sell your information to third parties under any circumstances.

2. What We Collect

We collect information from you during registration, form submissions, email communications, or while availing our valuation and advisory services. This may include Personal Identity Information (name, age, gender, marital status, preferences), Contact Information (address, email ID, phone number), Financial Information (income levels, bank details where applicable), Account and Transaction History (communication logs, invoices, and payment data), Technical Information (IP address, browser details, timestamps, device info, and service usage logs), and any document, image, or file voluntarily shared with us during services. We also collect anonymous traffic data through cookies and similar tools to improve our site's functionality and user experience.

3. Why We Collect Data

We collect your data to deliver and enhance the services you request, communicate essential updates and drafts related to your reports or consultations, ensure compliance with regulatory requirements, conduct internal audits and quality checks, and generate anonymized statistical analysis for internal business insights. We use your personal data only to provide or enhance our services. We do not share your information with third parties unless required by law or with your explicit consent.

4. Valuation Service Data Handling

Our professionals access customer data solely for the purpose of preparing valuation reports. Once the service is completed, your documents are transferred from a general folder to a password-protected special folder, accessible only to the Compliance Officer. We never share client data with third parties. For any data-privacy concerns, write to info@sfallp.in with subject: "Compliance Officer – Data Protection Query".

5. Use of Cookies

We may use cookies to improve your experience on www.sfallp.in. You can choose to accept or decline cookies through your browser settings.

6. Third-Party Links

Our website may contain links to external websites. These are governed by their own privacy policies, and we are not responsible for their practices or content.

7. Data Security

We implement industry-standard physical, electronic, and procedural safeguards to protect your data from unauthorized access, disclosure, alteration, or destruction. However, due to the nature of internet communication, we cannot guarantee 100% security.

8. Social Sharing

Our site may include social sharing tools. These platforms may collect data directly from you when you use their features; use at your own discretion.

9. Terms of Service Usage

SFA provides valuation certificates across India. Clients should review sample formats and confirm requirements with relevant authorities (such as visa agencies or embassies). SFA does not guarantee visa approvals or third-party outcomes.

10. Report Errors or Omissions

In the rare event of an error in your valuation report, we will rectify it within 15 days of the signing date upon written notice.

11. Payment & Refund Policy

Payment Terms: 25% advance payment is required at service confirmation. The remaining 75% is due after draft approval and before final report delivery. No final report is issued until full payment is confirmed.

Accepted Modes of Payment: NEFT, RTGS, UPI, and account-payee cheque. No cash is accepted.

Refund Policy: The 25% advance is non-refundable. If you stop after draft approval but before final delivery, 75% of the balance paid will be refunded with advance retained. No refunds are issued after the final report is delivered. Refunds, if applicable, are processed within 7–10 business days.

Disputes and Clarifications: Email info@sfallp.in with subject "Payment/Refund Query – [Your Name/Case ID]".

12. Changes to the Policy

SFA may update this policy at any time. Continued use of the site after changes indicates acceptance.

13. Grievances or Contact

For questions about this policy, email info@sfallp.in with subject: "Compliance Officer – Privacy Policy". By accessing and using www.sfallp.in, you acknowledge that you have read, understood, and agree to this Privacy Policy.