Arth Gurukul

1. Introduction

Arth Gurukul ("we", "us", "our", "Platform") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you use our financial planning platform.

This Policy is compliant with the Digital Personal Data Protection Act, 2023 (DPDP Act) and other applicable Indian laws.

By using our Platform, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We collect the following categories of personal data:

2.1 Identity Information

Full name
Date of birth and age
PAN number (for KYC purposes)
Contact details (email, phone number, address)
Occupation and employment details

2.2 Financial Information

Income details (salary, rental, business income)
Expense information
Assets (savings, investments, property, gold)
Liabilities (loans, EMIs, credit card dues)
Insurance policies and coverage
Financial goals and risk profile

2.3 Family Information

Spouse details (name, date of birth, occupation)
Children details (name, age, education goals)
Number of dependents

2.4 Technical Information

IP address and device information
Browser type and version
Login timestamps and session data
Usage patterns and preferences

3. Purpose of Data Collection

We use your personal data for the following purposes:

To provide goal-based financial planning services
To generate financial reports, gap analysis, and projections
To enable your assigned financial advisor to serve you better
To communicate important updates, notifications, and announcements
To improve our platform and user experience
To comply with legal and regulatory requirements
To prevent fraud and ensure platform security

4. Legal Basis for Processing

We process your personal data based on:

Consent: You provide explicit consent during registration
Contract: Processing necessary to provide our services
Legal Obligation: Compliance with applicable laws
Legitimate Interest: Improving our services and preventing fraud

5. Data Sharing & Disclosure

We may share your personal data with:

Authorized Sharing

Your Assigned Financial Advisor: To provide personalized financial planning
Managers (if applicable): For oversight and quality assurance
Service Providers: Cloud hosting, analytics (under strict confidentiality)

Legal Disclosure

We may disclose data if required by law, court order, or government authority.

We Do NOT

Sell your personal data to third parties
Share data for marketing without your consent
Transfer data outside India without adequate safeguards

6. Data Security

We implement industry-standard security measures including:

Encryption of data in transit (HTTPS/TLS) and at rest
Secure authentication with hashed passwords
Role-based access controls
Regular security audits and vulnerability assessments
Secure cloud infrastructure

While we strive to protect your data, no system is 100% secure. Please maintain the confidentiality of your login credentials.

7. Data Retention

We retain your personal data for:

Active accounts: As long as your account is active
Deleted accounts: Up to 5 years for legal and regulatory compliance
Financial records: As required by applicable tax and financial regulations

You may request deletion of your data subject to legal retention requirements.

8. Cookies & Tracking Technologies

We use cookies and similar technologies for:

Essential Cookies: Required for platform functionality and authentication
Analytics Cookies: To understand usage patterns and improve our services
Preference Cookies: To remember your settings and preferences

You can manage cookie preferences through your browser settings. Disabling essential cookies may affect platform functionality.

9. Your Rights Under DPDP Act

As a Data Principal, you have the right to:

Right to Access

Request a summary of your personal data

Right to Correction

Request correction of inaccurate data

Right to Erasure

Request deletion of your data

Right to Withdraw Consent

Withdraw consent at any time

Right to Grievance Redressal

Lodge complaints with Data Protection Board

Right to Nominate

Nominate a person to exercise rights

To exercise these rights, contact our Grievance Officer (details below).

10. Third-Party Links

Our Platform may contain links to third-party websites (e.g., Money School, educational resources). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

11. Children's Privacy

Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via:

Email notification
Dashboard notification
Updated "Effective Date" on this page

Continued use of the Platform after changes constitutes acceptance of the updated Policy.

13. Grievance Officer & Contact

For privacy-related queries, complaints, or to exercise your rights:

Grievance Officer:Jibal Bobby

Email:privacy@mdrtschool.com

Alternate Email:care@mdrtschool.com

Registered Office:Financial Nirvana, Benevolent Private Spaces LLP, Flat No. B-1002, Heritage Palace, WANAWADI, Road: KEDARI NAGAR, Pune, Maharashtra, 411040

We aim to respond to all requests within 30 days.

14. Governing Law

This Privacy Policy is governed by the laws of India, including the Digital Personal Data Protection Act, 2023.

Courts located in Pune shall have exclusive jurisdiction for any disputes.

PRIVACY POLICY