Privacy Policy

1. Introduction

This Privacy Policy elucidates the practices of Caarvindmangal (hereinafter referred to as “we,” “us,” or “our”) concerning the collection, utilization, processing, and safeguarding of personal information pertaining to individuals who access and utilize our website. This encompasses individual registered with the Securities and Exchange Board of India (SEBI) as Research Analyst and users or subscribers who take investment decisions based on reports published by research analysis (“Subscribers” or “Users”). This document forms an integral component of our Terms and Conditions, and it is imperative that it be reviewed in conjunction with that agreement.

At Caarvindmangal, we are deeply committed to upholding the privacy of your personal data and ensuring its security in accordance with the prevailing data privacy laws in India, including the Information Technology Act, 2000, alongside the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the recently enacted Digital Personal Data Protection Act, 2023.

Caarvindmangal functions as an online platform designed to facilitate connections between professionals duly registered with SEBI and individuals seeking to acquire their research and analysis. Should you have any inquiries or concerns regarding this Privacy Policy or the manner in which we handle your personal information, we encourage you to reach out to our designated Grievance Officer as per below document. We believe in maintaining transparency and are dedicated to addressing any issues that may arise.

2. Information We Collect

Information Collected from Subscribers

• Registration Data: During the process of creating an account on Caarvindmangal, we gather personal details such as your chosen username, password, electronic mail address, telephone number, date of birth (in adherence to the stipulation in our Terms and Conditions, which mandates users to be at least 18 years of age), and postal address. Furthermore, we collect your preferences regarding how you wish to receive communications from us, enabling us to tailor our interactions to your needs. This information is fundamental for establishing and managing your account, ensuring secure access, and facilitating effective communication. The age requirement is particularly important given the financial nature of the content provided on the platform.
• Technical Information: Upon your access or utilization of our Website, we automatically collect specific technical details. This encompasses your Internet Protocol (IP) address, the type of browser you are using, your operating system, device identifiers, general location data, referring URLs, your activity on our Website (including the pages you visit, the duration of your visits, and the links you click), and data gathered through the use of cookies and similar tracking technologies. This information aids us in the effective operation of our Website, bolstering its security, conducting analytics to understand user behavior, and ultimately enhancing your overall experience. Snippet clarifies that IP addresses help determine user location, while cookies track interactions on the site.
• Communication Data: We may collect and retain records of any correspondence exchanged between you and Caarvindmangal. This includes instances where you contact our customer support team or submit inquiries to us. Such records are invaluable in ensuring the provision of effective customer service and the timely resolution of any issues you might encounter. By maintaining these records, we can better understand your needs and provide tailored assistance.

Information Collected from Users/Subscribers (Purchasing Research):

• Purchase History: We maintain comprehensive records of the research reports that you purchase through our platform. This includes detailed transaction information and the amounts paid, as stipulated in our Terms and Conditions. This purchase history enables us to provide efficient customer support, offer personalized recommendations for future research that might align with your interests, and effectively manage any subscription-based features that may be implemented on the platform.
• Payment Information: To enable you to make purchases on our platform, we will collect pertinent payment details, which may encompass your credit card information, Unified Payments Interface (UPI) details, or other chosen payment method information. It is important to note that this payment information is securely processed through our integrated payment gateway, any aggregators integrated with Caarvindmangal, and Caarvindmangal does not directly store your complete payment card details on our own servers. For the purpose of processing payments, we may also collect your billing address.
• On our platform, the fee you pay directly goes to the Research Analysts in separate bank account as per requirement of SEBI and we may not be able to control the transaction. However, we will facilitate any query and issues but in no case, we facilitate refunds.

3. How We Use Your Information

Purposes of Data Use for All Users:

• Account Management: The registration data we collect is utilized to establish and manage your user account on Caarvindmangal, to verify your identity for security purposes, and to grant you access to the various features and functionalities offered by our Website, as outlined in our Terms and Conditions. This ensures that your account is secure and that you can seamlessly access the platform’s services.
• Service Delivery: Your information plays a crucial role in enabling the core functions of our platform. For Research Analysts, this includes facilitating the seamless publication of their investment research. For Subscribers, it allows for effortless browsing, access, and purchase of this valuable research content, aligning with the principles outlined in our Terms and Conditions. Additionally, we leverage your communication data to provide timely and effective customer support and to respond comprehensively to any inquiries you may have.
• Communication: We may employ your provided contact information to disseminate essential updates, important notifications, and key announcements pertaining to our Website, the services we offer, any modifications to our governing policies, and pertinent details regarding your account activity. For our Research Analysts, this includes communications concerning platform fees and payment processing. Subject to your explicit consent, we may also utilize your contact information to send you newsletters or promotional materials about Caarvindmangal, keeping you informed about new features and opportunities.
• Website Improvement and Personalization: We conduct thorough analyses of the technical information and website activity data we collect to gain valuable insights into how users interact with our platform and select Research Analysts. This enables us to continuously refine its functionality, enhance its design, and optimize the overall user experience, as indicated by the use of Caarvindmangal for web analytics. Looking ahead, we may also leverage this data to personalize the content you see and the recommendations we offer, tailoring your experience to align with your specific interests and past interactions on Caarvindmangal and give recommendations to avail services of particular Research Analysts.
• Security and Fraud Prevention: To safeguard our platform and its users, we utilize your information, encompassing technical data and account activity, to diligently monitor for and proactively prevent any fraudulent activities or unauthorized attempts to access user accounts. This is paramount in ensuring the ongoing security and integrity of our Website and the services we provide. This includes measures to detect and prevent unauthorized usage and potential threats.
• Legal and Regulatory Compliance: We may process your personal information to ensure our compliance with all applicable laws, regulations, and legal obligations in India. This includes adherence to data privacy laws and the guidelines set forth by SEBI, as referenced in our Terms and Conditions. Such processing may involve the meticulous maintenance of records for regulatory purposes and the diligent response to any legitimate legal requests for information.

Specific Uses for Users/Subscribers:

• Your registration data is essential in granting you seamless access to our platform, enabling you to efficiently browse and search through the diverse range of research reports published by our Research Analysts, as detailed in our Terms and Conditions.
• The payment information you provide is securely processed to facilitate your purchases of the insightful research reports offered on our platform, in strict accordance with the procedures outlined in our Terms and Conditions.
• We utilize your purchase history to ensure that you receive uninterrupted access to the specific research content that you have successfully purchased through our platform.
• Your contact information may be used to communicate with you regarding the status of your purchases, important updates related to your account, and to provide prompt and comprehensive responses to any support inquiries you may submit to us (Based on Terms and Conditions).

4. Sharing and Disclosure of Your Information

With Payment Processors/Aggregators integrated with Caarvindmangal:
To facilitate seamless and secure payment processing, we share your payment information, which includes transaction details and payment amounts, with our trusted third-party payment processors/aggregators. This sharing occurs when Subscribers make purchases of research and when Research Analysts pay platform fees, as detailed in our Terms and Conditions. The role of our payment processors/aggregators is crucial in ensuring the smooth execution of financial transactions on our platform. We encourage you to review the comprehensive privacy policy of the specific payment processor/aggregator used for your transaction to gain a thorough understanding of how they collect, utilize, and protect your payment-related information.

With Legal Authorities:
In certain circumstances, we may be obligated to disclose your personal information to legal authorities, governmental agencies, or regulatory bodies. This may occur if we are compelled to do so by law, a court order, a subpoena, or another legal process. Additionally, we reserve the right to share your information if we have a good-faith belief that it is reasonably necessary to investigate, prevent, or take appropriate action regarding any illegal activities, suspected instances of fraud, potential violations of our Terms and Conditions, or any credible threats to the safety or rights of any individual. Such disclosures are made only when legally required or when we deem it necessary to protect the integrity of our platform and the well-being of our users.

With Service Providers:
To ensure the efficient operation of our Website and the delivery of our services, we may engage various third-party service providers. These providers may assist us with critical functions such as website hosting, data analytics, email communication, and the provision of customer support. In order for these service providers to perform their designated tasks effectively, we may need to share your personal information with them. However, this sharing is strictly limited to the extent necessary for them to provide their services on our behalf. Furthermore, we ensure that these service providers are contractually bound to uphold the confidentiality and security of your data, adhering to stringent data protection standards.

In Case of Business Transfers:
Should Insight Pier undergo a significant business transition, such as a merger, an acquisition, a sale of all or a substantial portion of our assets, or any other form of corporate restructuring, your personal information may be among the assets that are transferred to the acquiring entity or the newly formed organization. In such an event, the continued handling of your personal information will be subject to the terms of this Privacy Policy or a revised privacy policy that will be duly communicated to you. This ensures that your privacy continues to be protected even in the event of a change in ownership or control.

Anonymized and Aggregated Data:
We may utilize and share anonymized and aggregated data for various legitimate business purposes, including but not limited to statistical analysis, academic research, and the ongoing improvement of our platform and the services we offer. It is important to note that this type of data is stripped of any personally identifiable information, meaning it cannot be used to directly identify any individual user. This allows us to derive valuable insights from user behavior without compromising individual privacy.

Not Sharing with Research Analysts and Subscribers Directly (Except as Necessary for Transactions):
To firmly uphold the anonymity of our valued Research Analysts, we maintain a strict policy of not directly sharing their personal contact information with Subscribers. All communication between these two groups of users is carefully facilitated and mediated through the secure mechanisms built into the Caarvindmangal platform, as explicitly stated in our Terms and Conditions. In the context of completed transactions, Research Analysts will only receive the essential transaction details of the Subscribers who have purchased their research. This limited information, such as the Subscriber’s username or a unique transaction identifier, is provided solely for record-keeping purposes and does not include any personally identifiable contact information.

5. Data Security

Security Measures Implemented:
At Caarvindmangal, we have implemented a comprehensive suite of reasonable security practices and procedures, encompassing technical, administrative, and physical safeguards, meticulously designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our robust security measures include the encryption of data during transmission using industry-standard Secure Socket Layer (SSL) technology, as well as the secure storage of your data on our protected servers. We employ stringent access controls to limit the individuals who can access your information and conduct regular security assessments to proactively identify and effectively address any potential vulnerabilities in our systems.

Data Security Practices at Payment Processors/Aggregators:
All financial transactions and payment processing on the Caarvindmangal platform are securely handled by our trusted third-party payment processors/aggregators. These payment service providers employ robust security measures that adhere to the highest industry standards, often including certifications like PCI DSS Level 1 compliance. This ensures that your sensitive payment information is treated with the utmost security and in strict compliance with best practices. It is important to note that Caarvindmangal does not directly store your complete payment card details on our servers. For a comprehensive understanding of the specific security practices of the payment processor/aggregator handling your transaction, we encourage you to review their dedicated privacy policy, the link to which may be provided during the payment process or in our Terms and Conditions.

User Responsibility:
While we implement strong security measures, it is also crucial for you to play an active role in safeguarding your account. You bear the responsibility for maintaining the strict confidentiality of your login credentials, including your unique username and password. We strongly advise against sharing this sensitive information with anyone. In the event of any unauthorized use of your account or any other security breach, we urge you to notify us immediately. Your vigilance is a vital component of ensuring the security of your personal information and the integrity of our platform.

Limitations of Security:
We are deeply committed to protecting your personal information and employ commercially reasonable efforts to maintain its security. However, it is important to acknowledge that no method of data transmission over the internet or method of electronic storage can be guaranteed to be absolutely secure. Therefore, while we strive to implement the highest standards of security, we must inform you that we cannot provide an absolute guarantee of the security of your personal information.

6. Your Rights and Choices

Rights Under Indian Data Privacy Laws (Including DPDP Act 2023):
Under the applicable data privacy laws of India, including the Digital Personal Data Protection Act, 2023, you are afforded specific rights concerning your personal data. These rights may include:

• The Right to Access Information: You possess the right to request access to the personal data that we hold about you, and upon verification, you may also request a copy of this information.
• The Right to Correction: Should you identify any inaccuracies or incompleteness in the personal data we have about you, you have the right to request its correction or updation.
• The Right to Erasure: Under certain specific circumstances, you may have the right to request the deletion of your personal data from our records.
• The Right to Object to Processing: In particular situations, you may have the right to object to the processing of your personal data for specific purposes.
• The Right to Withdraw Consent: If our processing of your personal data is based on your explicit consent, you retain the right to withdraw this consent at any time.
• The Right to Data Portability: As provisioned under the DPDP Act, you may have the right to receive your personal data in a structured, commonly used, and machine-readable format, and you may also have the right to transmit this data to another data fiduciary.
• The Right to Nominate: To ensure your data privacy rights are upheld even in unforeseen circumstances, you have the right to nominate another individual who can exercise your rights on your behalf in the event of your death or incapacity.
• The Right to Grievance Redressal: Should you have any concerns or grievances regarding the processing of your personal data, you have the right to register a complaint with us or with the Data Protection Board of India.

Exercising Your Rights:
To exercise any of the aforementioned rights, we kindly request that you contact our designated Grievance Officer as per below document. Your request should clearly and specifically state the right you wish to exercise and provide us with sufficient information to enable us to adequately verify your identity. Rest assured, we are committed to responding to your request within the timeframe stipulated by the applicable data privacy laws.

Choices Regarding Cookies and Tracking Technologies:
Our Website may use cookies and similar tracking technologies to enhance your browsing experience, security, and analytical purposes. You have the ability to manage your preferences regarding these technologies through the cookie consent banner that is displayed when you first visit our Website. This banner allows you to choose which categories of cookies you wish to accept or reject. Please be aware that disabling certain categories of cookies may potentially impact the overall functionality and features of our Website. Additionally, most web browsers offer settings that allow you to control and manage cookies at the browser level.

Opting Out of Marketing Communications:
If you have previously provided your consent to receive newsletters or promotional emails from us, you retain the right to change your mind at any time. You can easily unsubscribe from these communications by simply clicking on the “unsubscribe” link that is conveniently provided at the bottom of each email. Alternatively, you can directly contact us at ______ to manage your communication preferences. We are committed to respecting your choices regarding the communications you receive from us.

7. Integration with Payment Processors/Aggregators

Payment Processing by Payment Processors/Aggregators:
Caarvindmangal has integrated the services of reputable third-party payment processors/aggregators to ensure the secure and efficient processing of all payments made by our valued Subscribers for the purchase of research and any platform fee payments made by our esteemed Research Analysts.

Payment Processor/Aggregator’s Privacy Policy:
When you initiate a payment transaction on our Website, the necessary payment information will be directly collected and securely transmitted to the relevant payment processor/aggregator for processing. We strongly encourage you to take the time to thoroughly review the comprehensive privacy policy of the specific payment processor/aggregator used for your transaction. This will provide you with a clear understanding of how they collect, use, and diligently protect your payment-related information.

Data Shared with Payment Processors/Aggregators:
The specific categories of personal information that we share with our payment processors/aggregators to facilitate payment processing typically include your name, contact details, billing address, and the pertinent payment method details that are essential for completing the transaction.

Payment Processor/Aggregator’s Security Measures: Our integrated payment processors/aggregators adhere to the highest industry security standards and are typically certified as PCI DSS Level 1 compliant. This certification underscores their commitment to handling your sensitive payment information with the utmost security and in strict accordance with established best practices.

8. Compliance with Indian Data Privacy Laws

Commitment to Indian Laws:
Caarvindmangal is steadfast in its commitment to fully comply with the data privacy laws of India. This includes, but is not limited to, the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023.

Principles of Data Processing:
Our data processing practices are guided by the fundamental principles of lawfulness, fairness, and transparency. We ensure that your personal data is collected and used only for specified and legitimate purposes, and we take measures to ensure that the data collected is limited to what is necessary for those purposes. We are committed to maintaining the accuracy of your personal data and retaining it only for as long as necessary or as required by law. Furthermore, we have implemented reasonable security safeguards to protect your data against unauthorized access and processing. We obtain your consent for data collection and processing where required by applicable law.

Grievance Officer:
In compliance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, we have appointed a dedicated Grievance Officer to address any concerns or complaints you may have regarding the processing of your personal information. You can reach our Grievance Officer at:
Name: Arvind Mangal
Email: support@caarvindmangal.com
Address: first floor , B L JANGIR complex, near bus stand ,NH 48,PAOTA, Jaipur, Rajasthan, 3030106

9. Data Retention

Data Retention Periods:
We will retain your personal information for as long as your account remains active on our platform or as reasonably necessary to provide you with the services you have requested. Additionally, we may retain and use your information as needed to fulfil our legal and regulatory obligations, resolve any potential disputes, and enforce our agreements. The specific duration for which we retain your data may vary depending on the nature of the information and the purposes for which it was collected. For instance, transaction records may be kept for a longer period to comply with financial regulations.

Data Deletion:
Upon termination or extended inactivity of your account, we will securely delete or anonymize your personal information in accordance with our established data retention policies and all applicable laws. This ensures that your data is no longer identifiable. You also have the right to request the deletion of your account and the associated personal information, and we will honor such requests subject to any overriding legal obligations that may require us to retain certain information.

10. Updates to this Privacy Policy

Right to Amend:
Caarvindmangal reserves the right to modify or update this Privacy Policy at any time to reflect changes in our data practices, the services we offer, or the evolving legal landscape.

Notification of Changes:
In the event of any material changes to this Privacy Policy, we will make reasonable efforts to notify you. This may include prominently posting the updated policy on our website or sending you a direct notification via email. We will also ensure that the date of the latest revision is clearly indicated at the top of the Privacy Policy.

Continued Use as Acceptance:
Your continued access to or use of the Caarvindmangal Website following the posting of any modifications to this Privacy Policy will be deemed as your explicit acceptance of those revisions.

11. Contact Us

Contact Information:
Should you have any inquiries, concerns, or requests pertaining to this Privacy Policy or our data handling practices, please do not hesitate to contact us through the following channels:

Email: support@caarvindmangal.com
Address: first floor , B L JANGIR complex, near bus stand ,NH 48,PAOTA, Jaipur, Rajasthan, 3030106

Phone: +91 9887756248