Privacy Policy
How we handle, protect, and respect your information.
What data we collect
We collect personal information that you voluntarily submit to us via our contact form or consultation scheduling system. This data includes:
- Your Name
- Your Phone Number
- Your Email Address
- Any additional details or message content you provide regarding your financial requirements.
Why we collect it
We use this information solely for the following business purposes:
- To respond directly to your enquiries and questions.
- To schedule, coordinate, and hold initial financial consultations.
- To provide you with information regarding mutual fund distribution, insurance protection, or tax compliance services that you have requested.
How it is stored
Your privacy is of utmost importance to us. We adhere to the following safety standards:
- No third-party sharing: We do not sell, trade, rent, or otherwise share your personal information with any third parties under any circumstances.
- Sole use: The information submitted is utilized exclusively by Himanshu Daga / Daga Advisory Group to communicate with you about your enquiry.
- Secure environment: We take reasonable precautions and technical measures to protect the confidentiality and security of the submitted data.
Your rights
You have full ownership of your data. You may request the deletion, correction, or access to your personal information at any time. Simply send an email with your request to info@dagaadvisorygroup.com, and we will process it promptly.
Consent
By submitting our contact or consultation form, you explicitly consent to Daga Advisory Group storing and processing the personal data you provided for the purposes stated above, as required under the Digital Personal Data Protection Act, 2023.
Bond Rating Scale & Safety Guidelines
When investing in corporate fixed-income securities and bonds, credit ratings represent the credit safety and repayment capability of the issuer as assessed by SEBI-registered rating agencies (such as CRISIL, ICRA, CARE, and India Ratings). Below is the standard rating scale used to evaluate fixed-income risk:
| Rating | Credit Safety Level | Default Risk Assessment |
|---|---|---|
| AAA | Highest Safety | Lowest credit risk. Extremely strong capacity to meet financial obligations. |
| AA+, AA, AA- | High Safety | Very low credit risk. Very strong capacity to meet financial obligations safely. |
| A+, A, A- | Adequate Safety | Low credit risk. Strong capacity to meet obligations, but susceptible to adverse economic changes. |
| BBB+, BBB, BBB- | Moderate Safety | Moderate credit risk. Adequate protection parameters, but adverse economic conditions are more likely to weaken capacity. |
| BB+ down to C | Speculative / High Risk | Significant credit risk. High vulnerability to default over time. Very sensitive to business conditions. |
| D | In Default | In default or expected to be in default shortly. Extremely high investment risk. |
Note: Credit ratings represent the independent credit opinion of registered agencies and do not constitute direct investment recommendations or a guarantee of future returns.
Mutual Fund Commission Disclosure
In accordance with SEBI circulars and regulations, the details of the commission received by Himanshu Daga / Daga Advisory Group for distribution of regular plan mutual fund schemes are disclosed here. We act as an AMFI Registered Mutual Fund Distributor (ARN-338507) and receive trail commissions from various Asset Management Companies (AMCs). The typical range of commission rates is as follows:
- Equity Schemes: 0.50% to 1.25% per annum
- Debt / Liquid Schemes: 0.10% to 0.50% per annum
- Hybrid / Balanced Schemes: 0.40% to 1.10% per annum
The commission is paid directly by the mutual fund houses out of the scheme's Total Expense Ratio (TER) on a monthly trail basis. No fee is charged directly to the investor.