Privacy Policy

1. Introduction

Welcome to BharatFinX ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial education services.

By accessing or using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, postal address
• Account Information: Username, password, profile preferences
• Financial Information: Investment goals, risk tolerance, financial objectives (for personalized recommendations)
• Educational Progress: Course completion, quiz scores, learning preferences
• Communication Data: Messages, feedback, support inquiries

2.2 Automatically Collected Information

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, feature usage
• Location Data: General geographic location based on IP address
• Cookies and Tracking: See our Cookie Policy for detailed information

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Service Provision

• Providing and maintaining our financial education platform
• Creating and managing user accounts
• Delivering personalized course recommendations
• Tracking learning progress and providing certificates
• Processing payments for premium services

3.2 Communication

• Sending course updates and educational content
• Responding to inquiries and providing customer support
• Sending important service announcements
• Marketing communications (with your consent)

3.3 Improvement and Analytics

• Analyzing usage patterns to improve our services
• Conducting research and analytics
• Developing new features and content
• Ensuring platform security and preventing fraud

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Cloud hosting and data storage
• Payment processing
• Email delivery services
• Analytics and marketing tools
• Customer support platforms

4.2 Legal Requirements

We may disclose information if required by law or in good faith belief that such action is necessary to:

• Comply with legal obligations or court orders
• Protect and defend our rights or property
• Prevent fraud or security threats
• Protect the safety of users or the public

4.3 Business Transfers

In the event of a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security audits and monitoring
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Improve our services through analytics

Account information is retained for the duration of your account plus 3 years after closure. Usage data is typically retained for 2 years for analytics purposes.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

7.1 Access and Portability

• Request access to your personal information
• Receive a copy of your data in a portable format

7.2 Correction and Updates

• Update or correct inaccurate information
• Modify your account preferences

7.3 Deletion

• Request deletion of your personal information
• Close your account permanently

7.4 Opt-out Options

• Unsubscribe from marketing communications
• Disable certain cookies and tracking
• Opt-out of personalized recommendations

8. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us to have it removed.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our platform

Continued use of our services after changes become effective constitutes acceptance of the updated Privacy Policy.

11. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

12. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy will be subject to the jurisdiction of Indian courts.