AR Enterprises, a partnership firm operating under the brand The Financial Concierge (“TFC”, “we”, “us” or “our”), respects the privacy of clients, prospects and website visitors. This Privacy Policy explains how we collect, use, share, retain and protect personal data in connection with our website, client application, communications and financial-services activities.
Effective / last updated: 3 September 2026
We aim to collect only the information reasonably required to provide the service you choose, meet legal or regulatory obligations, protect clients and operate our business securely.
Financial documents such as CAS files, bank statements, KYC records, tax documents, loan papers and portfolio information are treated as confidential and should be accessed only by authorised persons or service providers who need them for the relevant purpose.
Legal entity: AR Enterprises, Partnership Firm
Brand: The Financial Concierge
Partner: Amit Jain
Office: A212, Unitech Business Zone, Sector 50, Gurgaon 122018, Haryana, India
Email: operations@tfconline.in
This Policy applies where AR Enterprises determines how and why personal data is processed through The Financial Concierge website, forms, calculators, communications, client interactions and services.
Depending on the service, we may collect:
We may also receive information from authorised or regulated sources such as KYC agencies, AMCs, RTAs, banks, lenders and service providers where permitted by law or authorised by you.
We may use personal data to respond to enquiries; understand your financial situation; provide analysis or support; facilitate transactions or applications you request; complete KYC or regulatory processes; maintain records; prevent fraud or misuse; comply with legal, tax, regulatory or audit requirements; operate and secure our systems; and improve the services you use.
Marketing or promotional communication will be undertaken only in accordance with applicable law and available consent or opt-out choices.
Where consent is the basis for processing, we will seek consent for the stated purpose. You may withdraw consent, subject to legal, regulatory, contractual and record-retention requirements. Withdrawal does not affect processing already lawfully carried out and may prevent us from continuing a service that requires the relevant information.
We do not sell personal data. Information may be shared, on a need-to-know basis, with parties involved in providing or supporting the relevant service, including AMCs, RTAs, KYC / CKYC agencies, banks, payment or transaction partners, lenders, technology / cloud / CRM / SaaS providers, auditors, professional advisers and other authorised service providers.
We may also disclose information where required by law, a court, regulator or governmental authority, or where reasonably necessary to prevent fraud, protect clients or protect legal rights. Where appropriate, service providers handling personal data on our behalf are expected to maintain confidentiality and appropriate security safeguards.
AR Enterprises uses reasonable technical and organisational safeguards appropriate to the nature of the information and the services being provided. These may include access controls, secure systems, confidentiality obligations, vendor due diligence, backups, monitoring and incident-response procedures.
No electronic system can be guaranteed to be completely secure. Please never send us passwords, PINs, CVVs, OTPs or other authentication credentials.
We retain personal data only for as long as reasonably necessary for the purpose for which it was collected, to provide the service, maintain transaction or business records, resolve disputes and comply with applicable legal or regulatory requirements.
When information is no longer required, we will take reasonable steps to delete, anonymise or securely dispose of it, subject to mandatory retention obligations and technical limitations of backup or third-party systems.
Subject to applicable law, you may request access to or information about personal data we hold about you, correction or updating of inaccurate data, erasure where retention is no longer required, withdrawal of consent where consent is the basis of processing, and grievance redressal.
We may need to verify your identity before acting on a request and may retain information where required by financial-services, tax, anti-money-laundering, contractual or other legal obligations.
The public website may use essential cookies or similar technologies required for functionality and security, and limited analytics to understand website performance and usage. If non-essential advertising or tracking technologies are introduced, appropriate notice and choices should be provided as required by applicable law.
TFC may use or link to third-party websites, portals, WhatsApp, SaaS platforms, cloud services or transaction systems. Those services may process personal data under their own terms and privacy policies. We encourage users to review those policies before providing information directly to a third party.
Some technology or service providers may process or host data outside India. Where this occurs, we will seek to use providers and arrangements that are appropriate for the nature of the data and consistent with applicable law and contractual obligations.
Our services are not intended to be independently used by children. Where information relating to a minor is required for a legitimate financial-service purpose, it should be provided and handled through the parent, legal guardian or other person authorised under applicable law.
If we become aware of a personal-data breach or security incident, we will assess the incident, take reasonable containment and remediation steps, and make notifications where required by applicable law or regulation.
For privacy questions, access or correction requests, consent withdrawal, erasure requests where applicable, or grievances, please contact:
Amit Jain
Partner / Privacy & Grievance Contact
AR Enterprises — Partnership Firm
Brand: The Financial Concierge
A212, Unitech Business Zone, Sector 50,
Gurgaon 122018, Haryana, India
Email: operations@tfconline.in
Please describe your concern and provide sufficient information for us to identify the relevant relationship or record. We may request reasonable identity verification before acting on a privacy request.
If you choose to sign in with Google or expressly authorise The Financial Concierge to access a Google service, AR Enterprises will access only the Google user data covered by the permissions (OAuth scopes) shown to you on Google’s consent screen.
Google user data will be used only to authenticate you or provide the specific app feature that you request. We do not sell Google user data, use it for advertising, or use it for purposes unrelated to the functionality disclosed to you.
We may share Google user data only with service providers acting on our behalf where necessary to operate the relevant feature, where you direct or authorise the sharing, or where disclosure is required for legal, security or fraud-prevention purposes. Access is limited to authorised persons and systems with a legitimate need to process the data.
Google user data is retained only for as long as reasonably necessary for the authorised purpose or applicable legal obligations. You may revoke an app’s Google access through your Google Account permissions and may also contact us at operations@tfconline.in regarding deletion or other privacy requests, subject to applicable retention requirements.
Our use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including applicable Limited Use requirements.
We may update this Privacy Policy when our services, technology, legal obligations or data practices change. The latest version will be published on this page together with the effective or last-updated date.