Privacy Policy

1. Introduction

At MS Financials, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website (mayasharmafinancials.in), enroll in our courses, or use our services.
We understand that trust is fundamental to our relationship, especially when dealing with financial education. This policy ensures transparency about our data practices and your rights regarding your personal information.

2. Information We Collect

2.1 Personal Information
We collect information that you voluntarily provide to us, including:

Registration Information:

Full name and contact details
Email address and phone number
Date of birth and age verification
Educational background and trading experience
Payment information and billing address

Course-Related Information:

Course preferences and enrollment history
Learning progress and completion status
Assessment scores and performance metrics
Participation in live sessions and forums

Communication Data:

Messages sent through our platform or email
Feedback, testimonials, and reviews
Support tickets and customer service interactions
Survey responses and feedback forms

2.2 Automatically Collected Information
When you use our website and services, we automatically collect:
Technical Information:

IP address and device identifiers
Browser type, version, and settings
Operating system and device information
Screen resolution and display preferences

Usage Information:

Pages visited and time spent on our site
Course modules accessed and completion rates
Features used and interaction patterns
Referral sources and marketing attribution

Cookies and Tracking:

Essential cookies for site functionality
Analytics cookies for usage statistics
Marketing cookies for advertising (with consent)
Session cookies for user authentication

2.3 Financial Information
For payment processing, we collect:

Payment method details (credit/debit cards, UPI, bank transfers)
Billing address and payment history
Transaction records and invoice details
Refund and chargeback information

Note: We use secure, PCI-compliant payment processors and do not store complete credit card numbers on our servers.

3. How We Use Your Information

3.1 Primary Uses
We use your information to:
Provide Educational Services:

Deliver course content and materials
Track your learning progress and achievements
Provide personalized learning recommendations
Facilitate live sessions and one-on-one mentorship

Account Management:

Create and maintain your account
Process enrollments and payments
Send course updates and important notifications
Provide customer support and technical assistance

Communication:

Send welcome messages and course confirmations
Share market insights and educational content
Notify about new courses and features
Respond to your inquiries and feedback

3.2 Secondary Uses
With your consent, we may also use your information to:
Marketing and Promotion:

Send promotional emails about new courses
Share success stories and testimonials (anonymized)
Provide personalized course recommendations
Conduct market research and surveys

Improvement and Analytics:

Analyze usage patterns to improve our services
Conduct A/B testing for better user experience
Develop new courses based on student needs
Generate anonymized reports and statistics

4. Information Sharing and Disclosure

4.1 We Do NOT Sell Your Information
MS Financials does not sell, rent, or trade your personal information to third parties for their marketing purposes.

4.2 When We Share Information
We may share your information only in these circumstances:

Service Providers:

Payment processors for transaction handling
Email service providers for communications
Web hosting and cloud storage services
Analytics providers for usage insights
Customer support tools and platforms

Legal Requirements:

When required by Indian law or legal process
To comply with government regulations (SEBI, RBI, etc.)
To protect our rights and prevent fraud
In response to valid court orders or subpoenas

Business Transfers:

In case of merger, acquisition, or sale of assets
With your consent and proper notification
Ensuring continued protection of your data

Safety and Security:

To prevent fraud, spam, or abuse
To protect the safety of our users
To investigate potential violations of our terms
To respond to emergency situations

5. Data Security and Protection

5.1 Security Measures
We implement comprehensive security measures to protect your information:

Technical Safeguards:

SSL/TLS encryption for all data transmission
Secure servers with regular security updates
Database encryption for sensitive information
Multi-factor authentication for admin access
Regular security audits and penetration testing

Administrative Safeguards:

Limited access to personal information
Employee training on data protection
Confidentiality agreements with staff
Regular review of data handling procedures
Incident response and breach notification protocols

Physical Safeguards:

Secure data centers with controlled access
Environmental controls and monitoring
Backup systems and disaster recovery plans
Secure disposal of hardware and documents

5.2 Data Breach Response
In the unlikely event of a data breach:

We will investigate immediately and contain the breach
Affected users will be notified within 72 hours
We will report to relevant authorities as required by law
We will provide guidance on protective measures
We will implement additional safeguards to prevent recurrence

6. Your Privacy Rights and Choices

6.1 Access and Control
You have the right to:

Access Your Information:

Request a copy of all personal data we hold about you
Review your account information and settings
Download your course progress and certificates
Request clarification about our data practices

Correct Your Information:

Update your profile and contact details
Correct any inaccurate information
Modify your course preferences
Change your communication settings

Delete Your Information:

Request deletion of your account and data
Remove specific information from our records
Opt-out of marketing communications
Withdraw consent for data processing

6.2 Communication Preferences
You can control how we communicate with you:
Email Communications:

Opt-out of promotional emails at any time
Choose frequency of educational content
Unsubscribe from marketing newsletters
Maintain essential service notifications

Marketing Preferences:

Adjust targeting and personalization settings
Control use of your data for recommendations
Opt-out of success story sharing
Manage survey and feedback requests

7. Cookies and Tracking Technologies

7.1 Types of Cookies We Use
Essential Cookies:

Required for website functionality
Enable login and account access
Maintain shopping cart and preferences
Ensure security and prevent fraud

Analytics Cookies:

Track website usage and performance
Identify popular content and features
Monitor course completion rates
Generate usage statistics and reports

Marketing Cookies:

Deliver targeted advertisements
Track marketing campaign effectiveness
Personalize content recommendations
Retarget visitors across platforms

7.2 Cookie Management
You can control cookies through:

Browser settings and preferences
Our cookie consent banner
Third-party opt-out tools
Privacy settings in your account

Note: Disabling essential cookies may limit website functionality.

9. Data Retention

9.1 Retention Periods
We retain your information for different periods based on:

Account Information: Retained while your account is active plus 3 years after closure
Course Records: Maintained for 7 years for certification and verification purposes
Payment Data: Kept for 7 years for financial compliance and tax purposes
Marketing Data: Retained until you opt-out or 2 years of inactivity
Support Communications: Stored for 3 years for quality assurance

9.2 Deletion Process
When retention periods expire:

Data is securely deleted from our systems
Backups are purged according to schedule
Third-party processors are notified to delete data
Anonymized data may be retained for analytics

11. Third-Party Links and Services

11.1 External Links
Our website may contain links to third-party websites. We are not responsible for:

Privacy practices of external sites
Content or services provided by third parties
Data collection by linked websites
Security measures of external platforms

11.2 Social Media Integration
If you connect your social media accounts:

We may access basic profile information
You control what information is shared
Social media platforms have their own privacy policies
You can disconnect social accounts at any time

12. Regional Privacy Laws

12.1 Indian Privacy Laws
We comply with applicable Indian privacy laws, including:

Information Technology Act, 2000
Information Technology (Reasonable Security Practices) Rules, 2011
Personal Data Protection Bill (when enacted)
Reserve Bank of India guidelines for financial data

12.2 GDPR Compliance
For users in the European Union, we provide additional rights under GDPR:

Legal basis for processing your data
Right to data portability
Right to object to processing
Right to lodge complaints with supervisory authorities

13. Contact Information and Complaints

13.1 Privacy Officer
For privacy-related questions or concerns, contact our Privacy Officer:

Email: info@mayasharmafinancials.in
Phone: +91-9831352591
Address: 2nd floor 2A, 450, SN Roy Rd, Sahapur, New Alipore, Kolkata, West Bengal 700038
Response Time: We will respond within 7 business days

13.2 Complaint Process
If you have concerns about our privacy practices:

Contact our Privacy Officer directly
Provide details about your concern
We will investigate and respond promptly
If unsatisfied, you may contact relevant authorities

13.3 Regulatory Authorities
You may also contact:

Ministry of Electronics and Information Technology (MeitY)
Cyber Crime Investigation Cell
Consumer Protection Authority
Reserve Bank of India (for financial matters)

Summary

At MS Financials, your privacy is our priority. We collect only the information necessary to provide excellent educational services, protect it with industry-standard security measures, and give you full control over your data.

Key Points:

We don't sell your personal information
You can access, correct, or delete your data at any time
We use secure, encrypted systems to protect your information
You can opt-out of marketing communications easily
We comply with Indian privacy laws and international standards