Privacy Policy

This Privacy Policy governs the manner in which L&T Mutual Fund / L&T Investment Management Limited (LTMF/LTIM/ we/us/our) collects, uses, maintains and discloses information collected from users (each, a "User") of the http://ltfs.com/ website ("Site"). This Privacy Policy applies to all Personal Information collected and received, on site and all Personal Information collected and received by us vide the physical scheme application form or any transactional document etc. Please note that Personal Information collected by us in the physical form and through the Site may be converted and stored in an electronic form at our sole discretion for the purposes as mentioned hereinunder. This Privacy Policy shall be read with and subject to the Disclaimer notified on the Site. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, Bank Account details change of bank account details or registration of multiple bank accounts etc. through application forms, Payment instrument details at the time of submitting application at the time of investment or as proof for carrying out change of bank account or any other details of debit card obtained (if any), Generation and storing password (PIN) in encrypted form based on the request from the investor under the online mode of investments, Biometric information obtained, if any, Demat Account details like beneficiary account no. etc, Annual Income and savings profile and other information as may be considered as sensitive and personal. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Web browser cookies

Our Site may use "cookies" and/or web bugs to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes, for storing their online preferences and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

It's important to note that cookies and pixel tags do not capture any information that can personally identify the user. The information may include:

 Links visited and pages viewed while on our site

Time and duration of our site visits

Responses to our emails or advertisements

How we use collected information

You expressly agree and understand the following:

We may use your Personal Information for the purposes of providing you with the services to which you subscribe and any service-related activities such as processing instructions, responding to service requests, resolve any grievances etc. The same may also be used to contact you whenever required and also to seek your feedback in relation to the offered services.

Your contact information (emails, postal address, phone numbers etc.) may be used by us to send periodic information (through emails, posts, SMSs, couriers, telephone etc.) on the services or upcoming events or announcements.

We may use your Personal Information to generate statistics and aggregate reports for internal use and for sharing with affiliates, subsidiaries, intermediaries, successors, vendors, service providers and advertisers. These statistics and aggregate reports will not contain any Personal Information that could identify you personally. You agree and understand that we may also disclose your Personal Information in order to

Comply with any statutory or legal requirement or process;

Protect and defend LTMF, LTIM, Trustees, their directors, officers, employees or affiliate's rights, interests or property;

Enforce our legal rights or provisions of offer documents of Schemes of LTMF / Portfolio Management Services / any other facilities / services offered.

Changes to this privacy policy

L&T Mutual Fund has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

If you are a former customer, these policies apply to you also; we treat your information and information about current customers with the same care.

By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Connecting with L&T Mutual Fund via social media websites

We provide experiences on social media platforms that enable online sharing, communication and collaboration among users who have registered to use such platforms. We may collect information you provide by interacting with us via social media, such as images, pictures, videos or other information. Any content you post, such as pictures, videos, information, opinions, or any personal information that you make available to other participants on these social platforms, is also subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

 L&T Mutual Fund mobile apps

Our applications ("apps") allow you to access your investment details and access other information using wireless or mobile devices. Our privacy practices apply to any personal information or other information that we may collect through our apps.

Contacting us:

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

L&T Investment Management

Ltd,6th Floor, Brindavan

Plot No 177, CST Road,

Kalina, Santacruz (E)

Mumbai - 400098

Maharashtra, India

investor.line@lntmf.co.in

This document was last updated on March 22, 2019

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, which site the users came from or advertisement that they viewed or clicked on and technical information about Users’ means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.This information helps us provide an online experience that is optimized for the user’s device and to manage our online advertising programmes.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your security credentials, personal information, transaction information and data stored on our Site.We use secure SSL encryption for exchange of all sensitive and private data between the site and it’s users.

Sharing of Personal Information with third parties:

To the extent required or permitted under law, we may share your Personal Information for the uses mentioned herein with the following third parties:

Registrar and transfer agent/s, call centers, Banks, custodians, depositories and / or authorized external third parties who are involved in transaction processing, despatches, etc., of investors - investment with us;

Distributors or Sub-brokers through whom applications of investors are received for the investments; or

Any other organization for verifying the identity of investors for complying with anti-money laundering requirements.

Any governmental authority including but not limited to the Reserve Bank of India or the Securities and Exchange Board of India.

We may share your investment account and transaction details and other Personal Information with the intermediaries, whose ARN stamp appears on the application forms / transaction slips.

We may share certain Personal Information with third parties such as post office, local and international couriers and other intermediaries for correspondence with the investor and for making payments to the investor by cheques, drafts, warrants, through Electronic Clearing Services (ECS), NEFT etc.

Personal Information will not be transferred to the aforesaid third parties, unless reasonable and appropriate steps have been taken to maintain the required level of data protection. Personal Information shall be communicated to third persons only for reasons consistent with the purposes for which the data were originally collected or other purposes authorized by law.

Direct Marketing

We will not use or share, any Personal Information collected on this Site or in the physical scheme application form etc. with a third party for their direct marketing purposes without your express permission. However, we or our service providers may use the Personal Information such as your e-mail address, for direct marketing of our schemes / services / facilities.

Information Incidental to Website, Email and Electronic Communications

IP addresses, browser-supplied information and site session information (for example, the sequence of pages visited during a visit to the Service, the average time spent, information searched for, access times ) may be recorded as part of the normal operation of the service for purposes of usage analysis and security monitoring. The amount of information recorded depends on the settings you have on your web browser; please refer to your browser if you want to learn about what information it sends.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.