Privacy Policy

1. Information We Collect

We collect information you provide directly to us and information collected automatically when you use our website or services.

Information you provide:

• ▸Contact details — name, mobile number, email address, when you fill a contact form, subscribe to a service, or reach out via WhatsApp/Telegram.
• ▸Payment information — transaction ID, amount, and order details processed through Razorpay. We do not store card numbers, UPI PINs, or banking credentials on our servers.
• ▸PAN card number — collected where required for SEBI compliance and KYC of advisory/research clients.
• ▸Communication records — messages sent via WhatsApp, Telegram, or email for service delivery and grievance redressal.

Information collected automatically:

• ▸IP address, browser type, device type, and pages visited (via standard server logs).
• ▸Referral source and time spent on pages (via analytics tools).

2. How We Use Your Information

• ▸To deliver research reports, recommendations, and services you have subscribed to.
• ▸To process payments and send you payment receipts or order confirmations.
• ▸To add you to Telegram groups or other delivery channels as per your subscribed plan.
• ▸To respond to your queries, complaints, or grievances.
• ▸To comply with SEBI regulations, legal obligations, and audit requirements.
• ▸To send important service updates, policy changes, or regulatory communications.
• ▸To improve the website and understand how users interact with our content.

3. Sharing of Information

We do not sell, rent, or trade your personal information to any third party. Information may be shared only in the following limited circumstances:

• ▸Payment processors — Razorpay processes payments on our behalf. Their privacy policy governs data shared during transactions.
• ▸Regulatory authorities — SEBI, NISM, or other statutory bodies when required by law or regulation.
• ▸Legal requirements — Courts, law enforcement, or government agencies when compelled by a lawful order.
• ▸Service delivery — Limited data shared with messaging platforms (Telegram, WhatsApp) solely to deliver subscribed research content.

4. Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your experience.

• ▸Essential cookies — required for the website to function correctly (e.g., session management).
• ▸Analytics cookies — help us understand site usage patterns. No personally identifiable information is transmitted.

You can disable cookies in your browser settings. Disabling essential cookies may affect the functionality of some pages.

5. Data Retention

We retain your personal data for as long as necessary to provide services and comply with applicable laws. Client records including KYC documents (such as PAN details), payment records, and communication logs are retained for a minimum of 5 years as required under SEBI (Research Analysts) Regulations, 2014. After the retention period, data is securely deleted or anonymised.

6. Data Security

We implement reasonable technical and organisational measures to protect your personal data against unauthorised access, disclosure, or loss. These include:

• ▸HTTPS encryption for all data transmitted between your browser and our website.
• ▸Payment data handled exclusively by PCI-DSS compliant payment gateways (Razorpay).
• ▸Restricted access to personal data on a need-to-know basis.

No method of internet transmission is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Rights

You have the following rights in relation to your personal data:

• ▸Access — request a copy of the personal data we hold about you.
• ▸Correction — request correction of inaccurate or incomplete data.
• ▸Deletion — request deletion of data we are not legally required to retain.
• ▸Opt-out — unsubscribe from marketing communications at any time.

To exercise any of these rights, contact us at ra@indrakamal.com. We will respond within 30 days.

8. Third-Party Links

Our website may contain links to external websites (e.g., SEBI SCORES, SMART ODR, social media profiles). We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of any external site you visit.

9. Children's Privacy

Our services are not directed at persons under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately and we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The revised policy will be posted on this page with an updated date. Continued use of the website after any changes constitutes your acceptance of the updated policy.

11. Contact Us