1. Definitions
- Personal Data
- Any information relating to an identified or identifiable natural person.
- Data Processor
- Third parties who process data on our behalf (e.g., cloud providers).
- Consent
- Freely given, specific, informed, and unambiguous indication through a statement or clear affirmative action.
2. Data Collection Details
| Category |
Examples |
Purpose |
| Identity Data |
Name, PAN, Aadhaar* |
KYC verification |
| Technical Data |
IP address, device ID |
Fraud prevention |
*Collected only when legally required
3. Legal Basis for Processing (GDPR)
We process personal data under the following legal bases:
- Contractual Necessity: To fulfill our service obligations
- Legal Compliance: Tax filings, fraud prevention
- Consent: For marketing communications
4. Data Retention
- Active users: Retained for 7 years post-account closure
- Marketing data: 3 years from last interaction
5. Children’s Privacy
We do not knowingly collect data from individuals under 18. Parents/guardians may contact us to remove accidental collections.
6. Dispute Resolution
All disputes subject to exclusive jurisdiction of courts in [Kolkata], India. Arbitration via [Arbitration Body] per Indian Arbitration Act.