Niyyam — Cookies Policy
Effective Date: 4th March 2026
Platform / Controller: Niyyam, operated by Tech Margon Wealth Pvt Ltd, Bangalore, Karnataka, India.
Contact / Grievance Officer: Ashok Prasad
Email: ashok@niyyam.com
1. Introduction
Niyyam (“we”, “our”, “us”) uses cookies and similar technologies on our website and mobile applications (the “Platform”) to:
- Enhance user experience and functionality
- Analyze platform usage and performance
- Provide personalized content and recommendations
- Facilitate secure transactions
This Cookies Policy explains what cookies are, how we use them, and how users can manage their preferences.
2. What Are Cookies
- Cookies are small text files stored on your device (computer, tablet, or mobile) when you visit the Platform.
- They help the Platform remember your preferences, login sessions, and settings.
- Cookies may be set by Niyyam (first-party cookies) or by trusted third-party services (third-party cookies) for analytics, payments, or advertising.
3. Types of Cookies We Use
| Type of Cookie | Purpose | Duration |
| Essential / Strictly Necessary | Required for login, security, and transaction processing | Session / persistent up to 1 year |
| Performance & Analytics | Collect anonymized usage data to improve the Platform | Persistent / 6–12 months |
| Functional | Remember language, preferences, and settings | Persistent / 1 year |
| Marketing / Personalization | Provide personalized offers, recommendations, or promotional messages (only with consent) | Persistent / 6–12 months |
4. Third-Party Cookies
- We may allow trusted third-party partners (e.g., Google Analytics, payment gateways, AMCs/insurers) to set cookies on the Platform.
- These cookies are used to analyze traffic, improve services, and facilitate transactions.
- Niyyam does not control third-party cookies once set and encourages users to review third-party privacy policies.
5. User Consent
- By using the Platform, users consent to the use of cookies as described in this policy.
- Users may manage or withdraw consent at any time via:
- Browser or device settings
- Platform settings or cookie banner
- Blocking essential cookies may affect functionality, such as login, payments, or navigation.
6. Managing & Disabling Cookies
- Users can control or delete cookies through browser or device settings.
- Instructions for managing cookies on popular browsers:
- Chrome: Settings → Privacy & Security → Cookies and other site data
- Firefox: Preferences → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Deleting or blocking cookies may limit some features of the Platform.
7. Security & Data Protection
- Cookies do not contain personally identifiable financial information like passwords or PINs.
- Any personal data collected via cookies is processed in accordance with our Privacy Policy and applicable laws, including the DPDP Act, 2023.
- Data is stored securely, with encryption and access controls.
8. Changes to This Cookies Policy
- We may update this Cookies Policy to reflect changes in technology, regulations, or Platform functionality.
- Users will be notified via prominent notices on the Platform or through consent re-confirmation for material changes.
9. Contact & Grievance Officer
For any queries regarding cookies, consent, or data processing:
Grievance Officer:
Tech Margon Wealth Pvt. Ltd. (Niyyam)
Email: ashok@niyyam.com
Postal Address: 1,2 A1 Block, 4th Floor, Above Chef Bakers’ ITPL Main Road, Near Brookefield Hospital, Kundanhalli, Bangalore-560037, Karnataka