Privacy Policy

1. Information We Collect

We may collect the following types of personal information:

• Contact information: Name, email address, and phone number — when you submit a lead capture form, subscribe to our newsletter, book a consultation, or contact us.
• Account information: When you sign up using Clerk (our authentication provider), we store your user ID, email, and role.
• Payment information: Payment data is processed by Razorpay. We do not store your card number, UPI ID, or bank details. We only store order IDs and payment status for transaction records.
• Usage information: Pages visited, tools used, download history, and browsing patterns — collected via anonymous analytics.
• Device information: Browser type, operating system, screen resolution, and IP address — collected automatically by our hosting provider (Vercel).

2. How We Use Your Information

• To provide and improve our calculators, tools, and content
• To process consultation bookings and product purchases
• To send you requested educational resources and guides
• To respond to your questions and support requests
• To track download limits and manage user accounts
• To analyse site usage and improve user experience (anonymized data only)

We will never sell, rent, or share your personal data with third parties for their marketing purposes.

3. Third-Party Services

We use the following third-party services that may process your data according to their own privacy policies:

• Vercel — Hosting and deployment (vercel.com/legal/privacy-policy)
• Clerk — Authentication and user management (clerk.com/legal/privacy)
• Razorpay — Payment processing (razorpay.com/privacy)
• Supabase — Database hosting (supabase.com/privacy)

4. Cookies

We use essential cookies for authentication sessions (via Clerk) and may use analytics cookies to understand site usage. You can disable cookies in your browser settings, though some features may not work as expected.

5. Data Retention

We retain your personal information only for as long as necessary to provide our services or comply with legal obligations. Lead capture data is retained for up to 24 months. Payment records are retained for 7 years as required by Indian tax law. You can request deletion of your data at any time.

6. Your Rights (DPDP Act 2023)

Under India's Digital Personal Data Protection Act, 2023, you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your personal data
• Withdraw consent for data processing at any time
• Nominate a person to exercise these rights on your behalf

To exercise any of these rights, contact us at smartspendsclub@gmail.com.

7. Data Security

We implement reasonable security measures including HTTPS encryption, secure authentication (Clerk), and encrypted database connections. However, no method of transmission over the internet is 100% secure.

8. Children's Privacy

Our services are intended for users aged 18 and above. We do not knowingly collect personal information from children under 18.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

For any privacy-related questions or data requests, contact us at:

smartspendsclub@gmail.com