Privacy Policy Last Updated: 31-12-2025 This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website, purchase our digital products, or interact with our personal brand services. By using this website, you agree to the terms outlined below. 1. Introduction We are committed to protecting your privacy and ensuring a safe online experience. This Privacy Policy applies to all users of our website, our digital products (including Smart Spending Cheat Sheets PDF Bundle, courses, audio files, e-books, and templates), and all services under our personal brand. 2. Information We Collect We may collect the following types of information: a. Personal Information Name Email address Phone number Billing address Payment details (handled securely by Razorpay; we do not store card details) b. Automatically Collected Information IP address Browser type Device information Pages visited Cookies & usage data c. Transaction Information Product purchased Transaction amount Transaction date & time 3. How We Use Your Information We use your information to: Process orders and deliver digital products Provide customer support Send account updates, product information, and educational content Improve website performance and user experience Prevent fraud and ensure secure transactions Comply with legal and regulatory requirements 4. Payment Processing via Razorpay We use Razorpay as our secure payment gateway. When you make a payment: Your payment information is encrypted and processed directly by Razorpay. We do not store your card details, CVV, or banking information. Razorpay may collect information required to process the payment in accordance with its own Privacy Policy. You may review Razorpay’s privacy policy here: Razorpay Privacy Policy (available on their official website). 5. Cookies & Tracking Technologies We use cookies to: Improve website performance Deliver personalized content Analyze user behaviour Remember your preferences You can disable cookies in your browser settings, but some features may not work properly. 6. Data Sharing & Disclosure We do not sell or rent your personal information. We may share information only with: Razorpay (for payment processing) Email service providers (for sending updates or downloads) Analytics tools (for improving performance) Legal authorities (only if required by law) All third-party partners follow strict data protection standards. 7. Data Security We implement industry-standard security measures to protect your information, including: SSL encryption Secure servers Restricted access to personal data Regular security audits However, no system is 100% secure. By using the website, you acknowledge this risk. 8. Your Rights You have the right to: Access your personal data Request correction of inaccurate information Request deletion of your data Opt-out of email communication at any time Withdraw consent where applicable To request any of the above, email us at: firdaussayed11@gmail.com 9. Children’s Privacy Our content and products are intended for individuals 18 years and older. We do not knowingly collect data from minors. 10. Refunds & Digital Product Policy Since our products are digital: Refunds are provided only as per the guarantee mentioned on the product page. Once accessed or downloaded, refunds may not apply unless explicitly stated. Refer to our Refund Policy for full details. 11. Changes to This Policy We may update this Privacy Policy periodically. Changes take effect immediately upon posting on this page.