Privacy Policy

This Privacy Policy (the “Policy”) governs the manner in which the Platform collects, uses, maintains and discloses information of its users. The Policy also describes the practices that We apply to such user information, user’s privacy rights and choices regarding their information. To clarify, this Policy applies to all users of the Platform (referred to as “Learners”, “You”, “Your”).

By accessing and using the Platform, providing Your Personal Information, or by otherwise signalling Your agreement when the option is presented to You, You consent to the collection, use, and disclosure of information described in this Policy and Terms of Use and we disclaim all the liabilities arising therefrom. If You do not agree with any provisions of this Policy and/or the Terms of Use, You should not access or use the Platform or engage in communications with us and are required to leave the Platform immediately. If any information You have provided or uploaded on the Platform violates the terms of this Policy or Terms of Use, we may be required to delete such information upon informing You of the same and revoke Your access if required without incurring any liability to You. Capitalized terms used but not defined in this Privacy Policy can be found in our Terms of Use. Please read this Policy carefully prior to accessing our Platform and using any of the services or products offered therein. If you have any questions, please contact us at the contact information provided below.

The KANNADA TRADER and TAROTIY STOCK TRAINRS is owned and operated by TAROTIY STOCK TRAINERS PVT LTD. Before you proceed further with your decision of availing any of the services of KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD , kindly take a moment to read all the Terms and Conditions. These Terms and conditions apply to all visitors, users and others who access or use our Services. By accessing or using the Service you agree to be bound by these Terms and Conditions. If you disagree with any part of the terms then you may not access the Service.

KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD is an Educational Institution solely providing education to students for ‘Financial Markets / Stock market’. All the information contained in this Website is for general information purpose only. While KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD endeavor to keep the information up-to-date and correct, we make no representation or warranty of any kind, express or implied about the completion, accuracy, reliability, sustainability or availability with respect to website or information, products, services or related graphics, contained on the website for any purpose. Any reliance you place on such information is, therefore, strictly at your own risk.

if you are a minor, i.e. under the age of 18 years and over the age of 13 years, you may use the Site under the supervision of a parent or legal guardian who agrees to be bound by these Terms and Conditions.

KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD Management reserves the right to deny admission to their Seminars without any justification.

COPYRIGHTS AND TRADEMARKS:
Unless stated otherwise, all the copyrights to the intellectual information shared on the website, ads, videos, voice inclusive of but not limited to, audio, video, text, and/or graphical data, are the sole property of KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD, and are guided by the pertinent Indian Laws. Any infringement or attempts of infringements, of the same would be punishable by the law.

DISCLAIMER:
The information shared in manner or sources is for the eucational purpose only, general information of the authorized recipient, and we are not soliciting any action based upon it. This information is not to be construed as an offer to buy or sell any security. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Prospective investors and traders are cautioned that any forward-looking statements are not predictions and may be subject to change without notice. Before acting on any of the information given on any form, you should do your own diligent study or seek advice from an independent financial adviser. KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD especially states that it has no financial liability whatsoever to any user on account of the use of information provided on its website.

DISCLAIMER FOR FACEBOOK PAGES / YOUTUBE CHANNEL / SOCIAL MEDIA PAGES:

KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD does not warrant the accuracy, completeness or usefulness of the information available on its FACEBOOK pages / YOUTUBE channel / Social Media pages. Nothing contained in or provided through this FACEBOOK/ YOUTUBE/ Social Media is intended to constitute advice or solicitation for any investment / financial products or services, neither does it constitute an offer for the purchase or sale of any financial instrument or confirmation of any transaction.

Any information related to investment / financial products or services that may be available on /through these is unwarranted and KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD does not hold any responsibility for the consequences of any action or omission thereof.

PRIVACY POLICY:

All personal information, which is gathered and stored through this site, shall be governed by these terms laid out by KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD. We capture personal information about the proposed user / student while registering with KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD for login and registration, course purchase and accounts access. The information is used for promptly identifying you and to attend personally to your specific requests.We would hold your personal information confidentially and would preserve it. We would not sell or rent the information to anyone. In case of a compulsion to share your information, we would obtain your prior consent and the information shall be shared with only those people or companies who are authorized to do so.

We may use third-party Service Providers like Google Analytics to monitor and analyze the use of our service.

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript from sharing information with Google Analytics about visits activity.

KANNADA TRADER or TAROTIY STOCK TRAINERS PVT LTD reserves the right to change the contents of the privacy policy from time-to-time. Any predominant change in the manner of usage of the personal information would be notified in this site.

USER OBLIGATIONS:

You are a restricted user of this website and any sources of information.

You shall securely keep the login information, if any, provided to you. The login access, if any, provided is for your personal use only, and shall not be shared with others under any circumstances.

You shall not copy, record, reproduce and / or transmit any study material, online seminars / videos, either live or recording shared with you, either part or whole, in any form.

In the event of any unauthorized copying, recording, reproduction and / or distribution of any study material, seminar / video which is property of KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD, KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD would be authorized to initiate any punitive or legal action against the same.
Once enrolled for a program, you have to attend all sessions, in case of absence in emergency situations, KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD. must be informed or in other cases prior permission needs to be taken from KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD Admin.

You shall not use KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD seminars for advertising or soliciting personal things.

Your trading results is solely your responsibility, KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD do not provide any promises about profits/loss. You should not expect any advisory service / tips about buying/ selling from KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD.

You are bound not to cut, copy, distribute, modify, recreate, reverse engineer, distribute, dispute, disseminate, post, publish or create derivative works from, transfer, or sell any information obtained in any form. With our prior permission limited use may be allowed. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of any manner is not permitted.

You agree not to access (or attempt to access) the Website and/or the materials or services by any means other than through the interface that is provided by the KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD. The use of deep-link, robot, spider or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the website or content, or in any way reproduce or circumvent the navigational structure or presentation of the website, materials or any Content, to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the website or any manner. You acknowledge and agree that by accessing or using the website or services, you may be exposed to content from other users that you may consider offensive, indecent or otherwise objectionable. We disclaim all liabilities arising in relation to such offensive content on the website. Further, you may report such offensive content to KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD Admin.

In places where this website or in manner allows you to post or upload data/information, you undertake to ensure that such material is not offensive and in accordance with applicable laws.

You shall not engage in advertising to, or in solicitation of, other users of the website to buy or sell any products or services, including, but not limited to, products or services related to that being displayed on the website or related to us. You may not transmit any chain letters or unsolicited commercial or junk email to other users via the website. It shall be a violation of these Terms of Service to use any information obtained from the website or in manner of sources in order to harass, abuse, or harm another person, or in order to contact, advertise to, solicit, or sell to another person other than us without our prior explicit consent.

You shall avoid all communications which might create disagreement like politics, sports, religion and other gossip on digital world and other KANNADA TRADER / TAROTIY STOCK TRAINERS PVT LTD social media forums.

We have no obligation to monitor the materials posted on the website or any digital world. We shall have the right to remove or edit any content that, in its sole discretion, violates or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Service.

You understand that we have the right at all times to disclose any information (including the identity of the persons providing information or materials on the digital & physical world ) as necessary to satisfy any law, regulation or valid governmental request. This may include, without limitation, disclosure of the information in connection with investigation of alleged illegal activity or solicitation of illegal activity or in response to a lawful court order.


Refund Policy:

Fees once paid for recorded classes or videos are non-transferable and non-refundable.
Fees could be refunded if claimed 8 days before online classes, Any claims before 4 days of online classes or sesions 50% of the fees shall be repaid. Any Claims before 3 days of classes or sessions 0% of the fees shall be paid back.
Any claims other than mentioned shall not be refunded.
Fees paid for webinars shall not be refunded.

 

  1. PERSONAL INFORMATION

    “Personal Information” shall mean the information which identifies a Learner i.e., first and last name, identification number, email address, age, gender, location, photograph and/or phone number provided at the time of registration or any time thereafter on the Platform.

    “Sensitive Personal Information” shall include (i) passwords and financial data (except the truncated last four digits of credit/debit card), (ii) health data, (iii) official identifier (such as biometric data, aadhar number, social security number, driver’s license, passport, etc.,), (iv) information about sexual life, sexual identifier, race, ethnicity, political or religious belief or affiliation, (v) account details and passwords, or (vi) other data/information categorized as ‘sensitive personal data’ or ‘special categories of data’ under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, General Data Protection Regulation (GDPR) and / or the California Consumer Privacy Act (CCPA) (“Data Protection Laws”) and in context of this Policy or other equivalent / similar legislations.

    Usage of the term ‘Personal Information’ shall include ‘Sensitive Personal Information’ as may be applicable to the context of its usage.

  2. INFORMATION WE COLLECT:

    We may collect both personal and non-personal identifiable information from You in a variety of ways, including, but not limited to, when You visit our Platform, register on the Platform, and in connection with other activities, services, features or resources we make available on our Platform. However, please note that-
    • We do not ask You for Personal Information unless we truly need it; like when You are registering for any Content on the Platform.
    • We do not share Your Personal Information with anyone except to comply with the applicable laws, develop our products and services, or protect our rights.
    • We do not store Personal Information on our servers unless required for the on-going operation of our Platform.

    1. Personal Identifiable Information: We may collect personal-identifiable information such as Your name and emails address to enable Your access to the Platform and services/products offered therein. We will collect personal-identifiable information from You only if such information is voluntarily submitted by You to us. You can always refuse to provide such personal identification information; however, it may prevent You from accessing services or products provided on the Platform or from engaging in certain activities on the Platform.

    2. Non-Personal Identifiable Information: When You interact with our Platform, we may collect non-personal-identifiable information such as the browser name, language preference, referring site, and the date and time of each user request, operating system and the Internet service providers utilized and other similar information.

    3. Cookies: To enhance User experience, our Platform may use 'cookies'. A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns for record-keeping purposes. You may choose to set Your web browser to refuse cookies, or to notify You when cookies are being sent; however, please note that in doing so, some parts of the Platform may not function properly.

  3. HOW WE USE and SHARE THE INFORMATION COLLECTED

    We may collect and use Your Personal Information for the following purposes:

    1. To provide access to our Platform and/or the services/products offered therein: We use the Your information as collected by us to allow You to access the Platform and the services/products offered therein, including without limitation to provide customer service, fulfil purchases through the Platform, verify User information and to resolve any glitches with our Platform. The legal basis for this processing is consent or, where applicable, our legitimate interests in the proper administration of our Platform, and/or the performance of a contract between You and us.

    2. To improve our Platform and maintain safety: We use Your information to improve and customize the Platform and services/products offered by us. Further, we also use Your information to prevent, detect, investigate, and take measures against criminal activity, fraud, misuse of or damage to our Platform or network, and other threats and violations to a third party's or our rights and property, or the safety of our Users, or others. The legal basis for this processing is consent or, where applicable, our legitimate interests in the proper administration of our Platform, and/or the performance of a contract between You and us.

    3. To communicate with You or market our services/products: We may use the email address submitted by You to communicate with You about Your orders on our Platform, our offers, new products, services or even receive Your feedback on the Platform or any services/products offered therein. It may also be used to respond to Your inquiries, questions, and/or other requests. If at any time You would like to unsubscribe from receiving future emails, please write to us at the contact information provided below. The legal basis for this processing is consent or, where applicable, our legitimate interests in the proper administration of our Platform, and/or the performance of a contract between You and us.

      We do not use Personal Information for making any automated decisions affecting or creating profiles other than what is described in this Policy.

      We do not sell, trade, or otherwise exploit Your personal-identifiable information to others. Limited to the purposes stated hereinabove, we may share generic aggregated demographic information not linked to any personal-identifiable information regarding visitors and Users with our business partners and trusted affiliates.


  4. YOUR CHOICES:

    1. Limit the information You provide: You always have an option to choose the information You provide to us, including the option to update or delete Your information. However, please note that lack of certain information may not allow You access to the Platform or any of its features, in part or in full. For example: information required for Your registration on the Platform.

    2. Limit the communications You receive from us: Further, You will also have the option to choose what kind of communication You would like to receive from us. However, there may be certain communications that are required for legal or security purposes, including changes to various legal agreements, that you may not be able to limit.

    3. Reject Cookies and other similar technologies: You may reject or remove cookies from Your web browser; You will always have the option to change the default settings on Your web browser if the same is set to ‘accept cookies’. However, please note that some of the services/products offered on the Platform may not function or be available to You, when the cookies are rejected, removed or disabled.


  5. YOUR RIGHTS:

    In general, all Learners have the rights specified herein this section. However, depending on where you are situated, you may have certain specific rights in respect of your Personal Information accorded by the laws of the country you are situated in. To understand Your rights, please refer to the Country Specific Additional Rights below.

    If you are a Learner, you may exercise any of these rights by using the options provided to you within the Platform upon your login. If however, you are facing any issues or require any clarifications, you can always write to us at the address noted in the ‘Grievances’ section below, and we will address your concerns to the extent required by the applicable law.
    1. Right to Confirmation and Access: You have the right to get confirmation and access to your Personal Information that is with us along with other supporting information.

    2. Right to Correction: You have the right to ask us to rectify your Personal Information that is with us that you think is inaccurate. You also have the right to ask us to update your Personal Information that you think is incomplete or out-of-date.

    3. Right to be Forgotten: You have the right to restrict or prevent the continuing disclosure of your Personal Information under certain circumstances.

    4. Right to Erasure: If you wish to withdraw/remove your Personal Information from our Platform, you have the right to request erasure of your Personal Information from our Platform. However, please note that such erasure will remove all your Personal Information from our Platform (except as specifically stated in this Policy) and may result in deletion of your account on the Platform permanently, and the same will not be retrievable.

    Remember, you are entitled to exercise your rights as stated above only with respect to your information, including Personal Information, and not that of other Learners. Further, when we receive any requests or queries over email to the address specified in the ‘Grievances’ section below, then, as per the applicable Data Protection Laws, we may need to ask you a few additional information to verify your identity in association with the Platform and the request received.

  6. PROTECTION OF YOUR INFORMATION:

    We take all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of Personal Information or such other data on the Platform. Our disclosure of any such information is limited to –
    1. our employees, contractors and affiliated organizations (if any) that (i) need to know that information in order to process it on our behalf or to provide services available on our Platform, and (ii) that have agreed not to disclose it to others.

    2. a response to a court order, or other governmental request. Without imitation to the foregoing, we reserve the right to disclose such information where we believe in good faith that such disclosure is necessary to –
      1. comply with applicable laws, regulations, court orders, government and law enforcement agencies’ requests;

      2. protect and defend a third party's or our rights and property, or the safety of our users, our employees, or others; or

      3. prevent, detect, investigate and take measures against criminal activity, fraud and misuse or unauthorized use of our Platform and/or to enforce our Terms of Use or other agreements or policies.
      To the extent permitted by law, we will attempt to give You prior notice before disclosing Your information in response to such a request.

  7. THIRD PARTY WEBSITES

    You may find links to the websites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. The content or links that appear on these sites are not controlled by us in any manner and we are not responsible for the practices employed by such websites. Further, these websites/links thereto, including their content, may be constantly changing and the may have their own terms of use and privacy policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that terms and policies published on such websites.


  8. CROSS-BORDER DATA TRANSFER

    Your information including any Personal Information is stored, processed, and transferred in and to the Amazon Web Service (AWS) servers and databases located in India. We may also store, process, and transfer information in and to servers in other countries depending on the location of our affiliates and service providers.

    Please note that these countries may have differing (and potentially less stringent) privacy laws and that Personal Information can become subject to the laws and disclosure requirements of such countries, including disclosure to governmental bodies, regulatory agencies, and private persons, as a result of applicable governmental or regulatory inquiry, court order or other similar process.

    If you use our Platform from outside India, including in the USA, EU, EEA, and UK, your information may be transferred to, stored, and processed in India. By accessing our Platform or otherwise giving us information, you consent to the transfer of information to India and other countries outside your country of residence.


  9. DURATION FOR WHICH YOUR INFORMATION IS STORED

    We will retain Your information for as long as it is required for us to retain for the purposes stated hereinabove, including for the purpose of complying with legal obligation or business compliances.

    Further, please note that we may not be able to delete all communications or photos, files, or other documents publicly made available by you on the Platform (for example: comments, feedback, etc.), however, we shall anonymize your Personal Information in such a way that you can no longer be identified as an individual in association with such information made available by you on the Platform. We will never disclose aggregated or de-identified information in a manner that could identify you as an individual.

    Note: If you wish to exercise any of your rights (as specified in ‘Your Rights’ section below) to access, modify and delete any or all information stored about you, then you may do so by using the options provided within the Platform. You can always write to us at the email address specified in the ‘Grievances’ section below


  10. MODIFICATION TO PRIVACY POLICY:

    We may modify, revise or change our Policy from time to time; when we do, we will revise the ‘updated date’ at the beginning of this page. We encourage You to check our Platform frequently to see the recent changes. Unless stated otherwise, our current Policy applies to all information that we have about You.

  11. GRIEVANCES:

    If you have any questions about this Policy, wish to exercise your rights, concerns about privacy or grievances, please write to us with a thorough description via email to baladeva.j@gmail.com.

COUNTRY SPECIFIC ADDITIONAL RIGHTS

  1. TERMS APPLICABLE IF YOU ARE AN INDIAN RESIDENT

    Your Rights: If you are located in India, you may have the following rights under the Personal Data Protection Bill (PDPB) when it becomes a legislation. All requests can be made by using the option provided to you within the Platform upon your login. You may also write to us as stated in the “Grievances” section above, and we will address you concerns to the extent required by law.

    1. Right to Confirmation and Access: You have the right to get confirmation and access to your Personal Information that is with us along with other supporting information.

    2. Right to Correction: You have the right to ask us to rectify your Personal Information that is with us that you think is inaccurate. You also have the right to ask us to update your Personal Information that you think is incomplete or out-of-date.

    3. Right to Data Portability: You have the right to ask that we transfer the Personal Information you gave us to another organisation, or to you, under certain circumstances.

    4. Right to be Forgotten: You have the right to restrict or prevent the continuing disclosure of your Personal Information under certain circumstances.

    5. Right to Erasure: If you wish to withdraw/remove your Personal Information from our Platform, you have the right to request erasure of your Personal Information from our Platform. However, please note that such erasure will remove all your Personal Information from our Platform (except as specifically stated in this Policy) and may result in deletion of your account on the Platform permanently, and the same will not be retrievable.

  2. TERMS APPLICABLE IF YOU ARE A RESIDENT OF UNITED KINGDOM (UK), A EUROPEAN UNION (EU) COUNTRY OR EUROPEAN ECONOMIC AREA (EEA)

    Your Rights: If you are located in the United Kingdom (UK) or European Union (EU) or European Economic Area (EEA), you have the following rights under the UK and EU General Data Protection Regulation (GDPR) respectively. All requests should be sent to the address noted in the “Grievances” section above, and we will fulfil requests to the extent required by applicable law.
    1. Right to access Your Personal Information: You have the right to receive confirmation as to whether or not Personal Information concerning you is being processed and, where that is the case, access to the Personal Information can be sought;

    2. Right to Rectification: Our goal is to keep your Personal Information accurate, current and complete. Please contact us if you believe your information is inaccurate or incomplete;

    3. Right to Erasure: In some cases, you have a legal right to request that we erase your Personal Information;

    4. Right to object to Processing: You have the right to object to our processing of your Personal Information under certain conditions;

    5. Right to restrict Processing: You have the right to request that we restrict the processing of your Personal Information, under certain conditions;

    6. Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions;

    7. Right to make a complaint to a government supervisory authority: If you believe we have not processed your Personal Information in accordance with applicable provisions of the GDPR, we encourage you to contact us at email address provided in the ‘Grievances’ section above. You also have the right to make a GDPR complaint to the relevant Supervisory Authority or seek a remedy through the courts. A list of Supervisory Authorities is available at: https://edpb.europa.eu/about-edpb/board/members_en. If you need further assistance regarding your rights, please contact us using the contact information provided below, and we will consider your request in accordance with applicable law. You can identify the supervising authority of your concern by visiting https://edpb.europa.eu/about-edpb/board/members_en.

    8. Right to not be subject to automated decision-making, including profiling: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal or similarly significant effects concerning you.

    We collect and process Personal Information about you only where we have a legal rationale to do so. Specific legal rationale applied for the same will depend on the type of Personal Information collected and the context in which the same is being processed, including the Services involved.

  3. TERMS APPLICABLE IF YOU ARE A CALIFORNIA STATE RESIDENT

    If you are a California state resident, then you have the following rights to the extent, and in the manner, set out in the CCPA:

    1. The right to access the Personal Information that we hold on you;
    2. The right to know what Personal Information we intend on collecting from them before the point of collection;
    3. The right to opt in or out of marketing, analytics, and other similar activities;
    4. The right to equal services without discrimination; and
    5. The right to request deletion of Personal Information.

    The above rights, the manner in which you can exercise the same and the category of and the manner in which we collect your information, are detailed below.
  1. CCPA NOTICE AT COLLECTION:

    For purposes of the CCPA, in collecting the information described above, we collect the categories of Personal Information listed below from you:

    1. Identifiers: We may collect your name, email address, mobile number, username, unique personal identifier, and Internet Protocol (IP) address. We use Identifiers as set forth in the “How We Use and Share the Information Collected” section of this Policy, like your name, contact information, and device and online identifiers.

    2. Characteristics of Personal Information described in the California Customer Records statute: We may collect your name, email address, username, unique personal identifier, and gender. We use Categories of Personal Information described in the California Consumer Records statute as set forth in the ‘How We Use and Share the Information Collected’ section of this Policy.

    3. Internet or other electronic network activity information: We collect cookies as described above, we will automatically receive information from your browser and your device, which includes the date and time of your visit to the Platform as well as your location, Internet Protocol (IP) address, domain server, browser type, access time, and data about which pages you visit on the Platform. We use Internet or other electronic network activity information as set forth in the “How We Use and Share the Information Collected” section of this Policy.

    4. Geolocation data: We may collect your IP address. We may use Geolocation Data as set forth in the “How We Use and Share the Information Collected” section of this Policy.

    5. Audio, electronic, visual or similar information: We may collect your profile picture or other audio or visual information uploaded as content to the Platform. We use audio, electronic, visual or similar information as set forth in the “How We Use and Share the Information Collected” section of this Policy.

    6. Inferences: We may make inferences based upon the Personal Information collected (such as likelihood of retention or attrition). We use Inference information as set forth in the “How We Use and Share the Information Collected” section of this Policy.


  2. CCPA DATA PRACTICES DURING THE LAST 12 MONTHS:

    1. Personal Information collected: As described in this Policy, we have collected the categories of Personal Information listed below during the preceding 12 months:
      • Identifiers
      • Characteristics of Personal Information described in the California Customer Records statute
      • Internet or other electronic network activity information
      • Geolocation data
      • Commercial information
      • Audio, electronic, visual, thermal, olfactory, or similar information Inferences

    2. Categories of sources: We have collected the Personal Information identified in this Policy from you and our payment processors.

    3. Business and commercial purposes for collecting: We have collected the categories of Personal Information listed above for the following purposes:
      • Operate the Platform;
      • Provide our Services to you;
      • Honor our Terms and Conditions and contracts;
      • Ensure the privacy and security of our Platform and Services;
      • Manage our relationships with you;
      • Communicate with you;
      • Analyze use of the Platform and our Services;
      • Enhance your experience;
      • Track visits to the Platform;
      • Provide you with a more personal and interactive experience on the Platform; and
      • Usage analytics purposes.

    4. Personal Information sold: We have not sold categories of Personal Information during the preceding 12 months.

    5. Personal Information disclosed for a business purpose: We have disclosed for a business purpose the categories of Personal Information listed below during the preceding 12 months:
      • Identifiers
      • Characteristics of Personal Information described in the California Customer Records statute
      • Internet or other electronic network activity information
      • Geolocation data
      • Commercial information
      • Audio, electronic, visual, thermal, olfactory, or similar information Inferences

      We have disclosed each category of Personal Information to the following categories of third parties: (1) corporate parents, subsidiaries, and affiliates; (2) advisors (accountants, attorneys); (3) service providers (data analytics, data storage, mailing, marketing, website and platform administration, technical support); and (4) operating systems and platforms.

  3. CONSUMER RIGHTS AND REQUESTS UNDER THE CCPA

    The CCPA gives consumers the right to request that we (1) disclose what Personal Information we collect, use, disclose, and sell, and (2) delete certain Personal Information that we have collected or maintained. you may submit these requests to us as described below, and we honor these rights where they apply.

    If a request is submitted in a manner that is not one of the designated methods for submission, or if the request is deficient in some manner unrelated to our verification process, we will either (i) treat the request as if it had been submitted in accordance with the designated manner, or (ii) provide you with specific directions on how to submit the request or remedy any deficiencies with the request, as applicable.

    1. Request to Know: As a California resident, you have the right to request: (1) the specific pieces of Personal Information we have collected about you; (2) the categories of Personal Information we have collected about you; (3) the categories of sources from which the Personal Information is collected; (4) the categories of Personal Information about you that we have sold and the categories of third parties to whom the Personal Information was sold; (5) the categories of Personal Information about you that we disclosed for a business purpose and the categories of third parties to whom the Personal Information was disclosed for a business purpose; (6) the business or commercial purpose for collecting, disclosing, or selling Personal Information; and (7) the categories of third parties with whom we share Personal Information. Our response will cover the 12-month period preceding our receipt of a verifiable request.

    2. Request to Delete: As a California resident, you have a right to request the erasure/deletion of certain Personal Information collected or maintained by us. As described herein, we will delete your Personal Information from our records and direct any service providers (as defined under applicable law) to delete your Personal Information from their records. However, we are not required to honor a deletion request if an exemption applies under the law.

    3. Submitting a Request:
      1. Submission of Instructions: You may submit a request to know or to delete by email to the address provided in the ‘Grievances’ section above or by submitting a request via mail to address provided by us in our Terms of Use or the Platform page. Regarding requests to delete, we may present you with the choice to delete select portions of your Personal Information, but a global option to delete all Personal Information will be offered and more prominently presented.

      2. Verification Process: We are required by law to verify the identities of those who submit requests to know or to delete. To determine whether the individual making the request is the consumer about whom we have collected information, we will verify your identity by matching the identifying information provided by you in the request to the Personal Information that we already maintain about you. As a part of this process, you will be required to provide your name and email address, and mobile number (if the same have been voluntarily provided by you at the time of registering on the Platform or otherwise while using the Platform). We will inform you if we cannot verify your identity. Please note-

        1. If we cannot verify the identity of the person making a request for categories of Personal Information, we may deny the request. If the request is denied in whole or in part for this reason, we will provide a copy of, or direct you to, our Privacy Policy.

        2. If we cannot verify the identity of the person making the request for specific pieces of Personal Information, we are prohibited from disclosing any specific pieces of Personal Information to the requestor. However, if denied in whole or in part for this reason, we will evaluate the request as if it is seeking the disclosure of categories of Personal Information about the consumer.

        3. If we cannot verify the identity of the person making a request to delete, we may deny the request. If there is no reasonable method by which we can verify the identity of the requestor to the degree of certainty required, we will state this in our response and explain why we have no reasonable method by which we can verify the identity of the requestor.

      3. Authorized Agents: Authorized agents may submit requests via the methods identified in this Policy. If you use an authorized agent to submit a request to know or a request to delete, we may require you to: (1) provide the authorized agent with signed permission to do so; (2) verify your identity directly with us; and (3) directly confirm with us that you provided the authorized agent permission to submit the request. However, we will not require these actions if you have provided the authorized agent with power of attorney pursuant to the California Probate Code.

      4. Excessive Requests: If requests from a User are manifestly unfounded or excessive, in particular because of their repetitive character, we may either (1) charge a reasonable fee, or (2) refuse to act on the request and notify the User of the reason for refusing the request. If we charge a fee, the amount will be based upon the administrative costs of providing the information or communication or taking the action requested.

      5. CCPA Non-Discrimination: You have the right not to receive discriminatory treatment by us due to your exercise of the rights provided by the CCPA. We do not offer financial incentives and price or service differences, and we do not discriminate against Users/consumers for exercising their rights under the CCPA.
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