Privacy Policy

Effective Date: Sept, 1st 2025

We at Umm-ul-Aaima Advisors (Pvt) Ltd (“Umm-ul-Aaima Advisors”, “we”, “our”, or “us”) respect your privacy and are committed to keeping secure any information we obtain from you or about you. This Privacy Policy describes how we collect, use, and protect your Personal Data when you use our website, applications, and services, including our AI-powered financial advisory bot ILMStock.ai.

1. Personal Data We Collect

We collect personal data relating to you (“Personal Data”) as follows:

A. Personal Data You Provide

Account Information: Name, contact details, account credentials, date of birth, payment details, and transaction history.
User Content: Information you provide in your inputs to ILMStock.ai, including queries, uploaded files, or other shared content.
Communication Information: When you contact us via email or other channels, we may collect your name, contact information, and the message contents.
Other Information: Information provided in surveys, events, or for identity verification.

B. Personal Data Collected Automatically

Log Data: IP address, browser type, access times, and interactions with our Services.
Usage Data: How you use ILMStock.ai, features used, actions taken, and device details.
Device Information: Operating system, device identifiers, browser type.
Location Information: Approximate location derived from your IP address for security and fraud prevention.
Cookies & Similar Technologies: Used to operate and personalize Services.

C. Information from Other Sources

Security partners for fraud prevention.
Financial market data (such as PSX and SECP-compliant information) to improve ILMStock.ai.
Publicly available financial information.

2. How We Use Personal Data

We use Personal Data for the following purposes:

To provide and maintain ILMStock.ai services.
To analyze and improve our AI models.
To provide financial reports, summaries, and stock market insights.
To ensure compliance with SECP and Pakistan Stock Exchange (PSX) regulations.
To prevent fraud, misuse, or illegal activities.
To comply with legal obligations and protect the rights, privacy, and safety of our users.

3. Disclosure of Personal Data

We may disclose Personal Data in the following circumstances:

Vendors & Service Providers: For hosting, IT support, payments, and customer support.
Regulatory Authorities: When required by law (e.g., SECP, PSX, FIA).
Business Transfers: If the company undergoes restructuring or merger.
Affiliates: Within Umm-ul-Aaima Group of Companies.

We do not sell or share Personal Data for advertising or marketing purposes.

4. Retention

We retain Personal Data only as long as necessary for:

Providing Services.
Fulfilling compliance and record-keeping obligations under Pakistani law.
Fraud prevention and security.

5. Your Rights

As per applicable Pakistani laws, you may request to:

Access, update, or correct your Personal Data.
Delete your Personal Data (subject to legal and compliance requirements).
Restrict or object to processing where applicable.

Requests can be made via info@umm-ul-aaima.com.

6. Children

Our Services, including ILMStock.ai, are not intended for individuals under 18 years of age. If we learn that we have collected data from a child under 18, we will delete it.

7. Security

We use administrative, organizational, and technical measures to protect Personal Data. However, no system is 100% secure. Users should avoid sharing highly sensitive personal details such as CNIC numbers, bank PINs, or passwords through ILMStock.ai.

8. Compliance with Pakistani Regulations

ILMStock.ai operates in compliance with relevant financial and data regulations in Pakistan, including those of the Securities and Exchange Commission of Pakistan (SECP) and the Pakistan Stock Exchange (PSX).

9. Changes to the Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published with a revised “effective date.”

10. Contact Us

For privacy-related queries, please contact:

📧 info@umm-ul-aaima.com
📍 Umm-ul-Aaima Advisors (Pvt) Ltd
Pakistan Stock Exchange Building, Karachi, Pakistan

Comments

Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

Suggested text: If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Suggested text: Visitor comments may be checked through an automated spam detection service.