PRIVACY POLICY – ARTHIK STUDY

At Arthik Study, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, share and protect your personal information when you visit or use our website www.arthikstudy.com, purchase our courses or services, or otherwise interact with us.

By accessing or using our Platform, you agree to the terms of this Privacy Policy.

1. Collection of Personal Information

We may collect personal information that you voluntarily provide to us when you register on our Platform, purchase a course or service, contact us, or otherwise interact with us.

Such information may include:

• Full name
• Mobile number
• Email address
• Address
• Date of birth, where required
• Payment and transaction-related information
• Information provided during registration or enquiry
• Any other information voluntarily provided by you

We may also collect certain technical information such as IP address, browser type, device information, operating system, website usage information and other information necessary to improve our Platform and services.

We collect and process such information in accordance with applicable laws.

2. Use of Personal Information

We may use your personal information for the following purposes:

• To provide and manage our courses, services and other offerings
• To process registrations and payments
• To communicate with you regarding your account, courses or services
• To provide customer support
• To respond to your queries and requests
• To improve our website, courses and services
• To send important service-related communications
• To prevent fraud, misuse or unauthorised activities
• To comply with applicable legal and regulatory requirements

Where permitted by law, we may also use your information for marketing and promotional communications. You may opt out of such communications where applicable.

3. Marketing and Communications

We may use your contact information to communicate with you regarding our courses, educational programs, webinars, workshops, offers, updates and other services.

You may request us to stop sending promotional communications at any time by contacting us through the details provided in this Privacy Policy.

Withdrawal from promotional communications will not affect essential service-related communications.

4. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve your browsing experience, understand website usage and improve our services.

Cookies may help us remember your preferences, analyse website traffic and understand how users interact with our Platform.

You may manage or disable cookies through your browser settings. However, disabling certain cookies may affect some features of the website.

5. Payment Information

Payments made through our Platform may be processed through third-party payment gateways or service providers.

We may receive transaction-related information necessary to confirm and manage your payment. We generally do not store sensitive payment credentials such as your card PIN, CVV or internet banking password.

Payment information may be processed by the relevant payment service provider in accordance with its own privacy policy and applicable laws.

6. Refund Policy

All purchases of our courses, mentorship programs, workshops, webinars, digital products and other services are generally non-refundable once the payment has been successfully completed.

Refunds may be considered only in limited circumstances, such as:

• Duplicate payment due to a technical or payment-processing error; or
• Any other situation where Arthik Study provides written approval for a refund.

No refund will generally be provided due to:

• Change of mind
• Personal reasons
• Lack of participation or attendance
• Dissatisfaction with the course or service
• Failure to achieve expected or desired results
• Trading or investment losses
• Personal financial circumstances

Where a refund is approved by Arthik Study, the eligible refund amount will normally be credited to the original payment method within 7 business days, subject to the payment gateway or banking system.

7. Sharing of Personal Information

We may share your personal information with trusted third parties where reasonably necessary to provide our services or operate our business.

These may include:

• Payment gateway providers
• Technology and hosting service providers
• Communication service providers
• Customer support providers
• Marketing and advertising service providers
• Professional advisors
• Government authorities or law enforcement agencies where required by law

We do not sell your personal information to third parties.

We may disclose information where necessary to comply with legal obligations, court orders, government requests, prevent fraud or protect the rights, property and safety of Arthik Study, our users or others.

8. Data Security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, loss, misuse, alteration or disclosure.

However, no method of transmission or electronic storage is completely secure. Therefore, while we take reasonable measures to protect your information, we cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of your account credentials and passwords.

9. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, to provide our services, resolve disputes, maintain business records, prevent fraud, or comply with applicable legal and regulatory requirements.

After the applicable retention period, information may be deleted, anonymised or securely disposed of as appropriate.

10. Your Rights

Subject to applicable laws, you may have the right to:

• Access your personal information
• Request correction or updating of inaccurate information
• Request deletion of your personal information where legally permissible
• Withdraw consent for certain processing activities
• Opt out of promotional communications
• Raise a grievance regarding the processing of your personal information

Requests may be made using the contact details provided at the end of this Privacy Policy.

11. Withdrawal of Consent

Where processing of your personal information is based on your consent, you may withdraw your consent by contacting us.

However, withdrawal of consent will not affect processing that was already carried out before the withdrawal, or processing that we are legally required or otherwise permitted to continue.

Withdrawal of consent may also affect our ability to provide certain services where the relevant information is necessary for providing those services.

12. Account and Data Deletion

Where applicable, you may request deletion of your account or personal information by contacting us.

We may retain certain information where required by law or where reasonably necessary for legitimate purposes such as fraud prevention, dispute resolution, accounting, taxation, legal compliance or enforcement of agreements.

Once an account is deleted, you may lose access to associated account information, courses or services, subject to applicable terms.

13. Third-Party Services and Websites

Our Platform may contain links to third-party websites, payment gateways, social media platforms or other services.

We are not responsible for the privacy practices, security or content of third-party websites or services.

We recommend that you review the privacy policies of such third parties before providing them with your personal information.

14. Children’s Privacy

Our Platform and services are not intended to knowingly collect personal information from children in violation of applicable laws.

If we become aware that personal information has been collected from a child in circumstances where such collection is not permitted, we may take reasonable steps to delete such information.

15. Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time to reflect changes in our services, business practices, technology or applicable laws.

Any updated Privacy Policy will be published on our website with the revised effective date.

We encourage you to review this Privacy Policy periodically.

16. Governing Law

This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws of India.

Any disputes arising in relation to this Privacy Policy or our services shall be subject to the applicable jurisdiction of the competent courts in India.

17. Contact and Grievance Redressal

If you have any questions, concerns, requests or complaints regarding this Privacy Policy or the processing of your personal information, you may contact us at:

Arthik Study
Email: info@arthikstudy.com
Website: www.arthikstudy.com

We will make reasonable efforts to address your concerns and requests in accordance with applicable laws.

By using our Platform or providing your personal information, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use and processing of your information as described above.