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πŸ“„ Legal Document

Privacy Policy

We are committed to protecting your personal information. This policy explains exactly what data we collect, how we use it, and your rights as our client.

πŸ—“οΈ Effective Date: 1 January 2025  |  πŸ“ Last Updated: 1 May 2025
Section 01

Information We Collect

When you use our services, book a consultation, or contact us, we may collect the following categories of personal information:

Category Details Collected How Collected
Identity Full name Booking form, Razorpay
Contact Mobile number, email address Booking form, Cal.com
Financial Payment confirmation details (no card data stored) Razorpay payment gateway
Claim Info Claim type, insurance documents shared during session Consultation session
Technical IP address, browser type, device info, visit timestamps Automatically via cookies/server logs
Communication Emails, WhatsApp messages, call notes Direct correspondence
ℹ️ We never collect sensitive personal data such as Aadhaar numbers, PAN card numbers, or biometric information unless explicitly required and consented to for a specific service.
Section 02

How We Use Your Information

Your information is used strictly for delivering and improving our consulting services. We use it to:

  • Process your consultation booking and confirm your appointment via Cal.com
  • Process payments securely through Razorpay and send receipts
  • Communicate with you regarding your claim consultation and follow-up support
  • Personalise your consultation experience based on your claim type
  • Send service updates, reminders, and appointment notifications
  • Comply with legal, regulatory, and insurance authority requirements
  • Improve our website, services, and customer experience through analytics
  • Respond to your queries, feedback, or complaints promptly
⚠️ We do NOT use your personal information for unsolicited marketing, selling to third-party advertisers, or any purpose outside the scope of your consultation service.
Section 03

Data Sharing & Third Parties

We do not sell, rent, or trade your personal data. We may share limited information with trusted third-party service providers solely to deliver our services:

  • Razorpay Financial Solutions Pvt. Ltd. β€” for secure payment processing. Razorpay has its own Privacy Policy.
  • Cal.com Inc. β€” for managing appointment scheduling and calendar invites.
  • Google (Gmail / Meet) β€” for communication and video consultations if applicable.
  • Legal or Regulatory Authorities β€” only when required by law, court order, or government directive.
πŸ”’ All third-party partners we work with are required to handle your data in compliance with applicable data protection laws and are not permitted to use it for their own purposes.
Section 04

Payment Security

All payments are processed exclusively through Razorpay, a PCI-DSS Level 1 compliant payment gateway. This means:

  • We never store your credit/debit card number, CVV, or net banking credentials on our servers
  • All transactions are encrypted using 256-bit SSL/TLS technology
  • Payment data is tokenised and handled entirely by Razorpay's secure infrastructure
  • You will receive a payment confirmation email and receipt from Razorpay directly
πŸ’³ We only receive a payment confirmation ID from Razorpay to verify your booking. Your full financial details remain with Razorpay at all times.
Section 05

Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience. We use the following types:

  • Essential Cookies: Required for the website to function correctly (session management, security). Cannot be disabled.
  • Functional Cookies: Remember your preferences such as language or previously selected plan.
  • Analytics Cookies: Help us understand how visitors interact with our website (via Google Analytics or similar). Data is anonymised.
  • Third-Party Cookies: Set by Razorpay and Cal.com for their embedded functionality.

You may disable non-essential cookies through your browser settings at any time. Note that doing so may affect certain features of our website.

Section 06

Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes described in this policy or as required by law:

  • Booking & Payment Records: Retained for 7 years as required under Indian financial and tax regulations
  • Consultation Notes: Retained for 3 years from the date of your last consultation
  • Communication Logs: Retained for 2 years for customer service purposes
  • Technical / Log Data: Automatically deleted after 90 days

After the applicable retention period, your data is securely deleted or anonymised so it can no longer be linked to you.

Section 07

Your Rights

As our client, you have the following rights regarding your personal data. To exercise any of these rights, contact us using the details in Section 10.

πŸ‘οΈ

Right to Access

Request a copy of all personal data we hold about you.

✏️

Right to Rectification

Ask us to correct any inaccurate or incomplete information.

πŸ—‘οΈ

Right to Erasure

Request deletion of your data (subject to legal obligations).

β›”

Right to Object

Object to processing of your data for certain purposes.

πŸ“¦

Data Portability

Receive your data in a machine-readable format upon request.

⏸️

Right to Restrict

Ask us to limit how we process your data in certain situations.

We will respond to all valid requests within 30 days. We may need to verify your identity before processing your request.

Section 08

Children's Privacy

Our services are intended exclusively for individuals aged 18 years and above. We do not knowingly collect personal information from minors under the age of 18.

If you believe that a minor has provided us with personal information without parental consent, please contact us immediately at the details below and we will promptly delete such information from our records.

Section 09

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

  • Update the "Last Updated" date at the top of this page
  • Notify existing clients via email if the changes are significant
  • Post a notice on our homepage for at least 30 days

We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

Section 10

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please reach out to us through any of the following channels:

πŸ›‘οΈ Bhulega Nahi Consulting β€” Data Contact

πŸ“ž Phone / WhatsApp: +91 7838735926
βœ‰οΈ Email: info.bhuleganahi@gmail.com
πŸ’¬ WhatsApp: Chat on WhatsApp
⏰ Response Time: Within 2 business days