Privacy Policy

Hum kaunsa data collect karte hain

• Sign-in service se milne wala account email aur display name.
• Login, session aur security ke liye zaroori authentication information.
• Selected language, lesson aur quiz progress; anonymous progress current device ke browser mein bhi reh sakta hai.
• Portfolio Lab allocation abhi browser mein calculate hoti hai aur personal investment profile ke roop mein save nahi hoti.
• Ask FIN ABC question, AI Tutor reply, category, language, lesson context, private/community choice, follow-up, answer aur feedback. AI reply ke liye OpenAI ko sirf question, language, category, zaroori lesson/follow-up context aur thoda relevant FIN ABC material bheja jaata hai; account name, email, user ID aur Gumroad/payment data nahi.
• Paid access ke liye purchase email, Gumroad sale/payment identifier, amount, currency, status aur timestamps. FIN ABC ko full card details nahi milti.
• Service security ke liye limited technical information. Rate-limit ya unauthorized-admin attempt jaisi short security events pseudonymous actor hash ke saath store ho sakti hain; password, OTP, full token ya payment credential log nahi hota.

Data ka use kyun hota hai

• User ko authenticate karne, account chalane aur service protect karne ke liye.
• Course progress aur purchased ya complimentary access restore karne ke liye.
• Ask FIN ABC questions aur feedback manage karne ke liye.
• Payment verify karne, support, fraud prevention aur legal/accounting obligations ke liye.
• Language aur device-local progress yaad rakhne ke liye.

Legal basis

Activity ke hisaab se processing requested service ya purchase dene, legal obligations follow karne, ya security, fraud prevention aur support jaise legitimate interests ke liye hoti hai. Jahan consent legally required ho, woh alag se liya jayega aur future ke liye withdraw kiya ja sakega.

Data kis ko mil sakta hai

Access FIN ABC operator aur un providers tak limited hai jinko apna role perform karne ke liye data chahiye. Verified providers OpenAI/ChatGPT Sites hain, jo sign-in, hosting aur managed database provide karte hain; OpenAI API server-side FIN ABC AI Tutor response ke liye use hoti hai aur request mein API storage off hota hai; Gumroad checkout, payment records aur purchase verification handle karta hai; aur Google/Gmail sirf tab involved hota hai jab user published support address par email bhejta hai. FIN ABC ko full card details nahi milti. Har provider apne terms aur privacy notice ke under bhi data process karta hai. FIN ABC personal data sell nahi karta.

Ask FIN ABC aur public questions

Questions default mein private hain. Community question sirf answer aur approval ke baad public ho sakta hai. Public view email ya display name nahi dikhata. Question mein personal, banking ya confidential information mat likhiye.

Retention

• Account aur server-side lesson progress FIN ABC account active rehne tak rakhe jaate hain; account delete hone par remove hote hain, except jab limited retention legal obligation ya claim ke liye zaroori ho.
• Ask FIN ABC questions, answers aur feedback feature/support dene ke liye aur account active rehne tak rakhe jaate hain; same legal exception ke saath account deletion par remove hote hain.
• Payment aur transaction records applicable accounting, tax, fraud-prevention, dispute ya legal obligations ke hisaab se rakhe jaate hain. Jahan obligation period decide karti hai, FIN ABC koi unverified fixed period state nahi karta.
• Pseudonymous FIN ABC security events 90 days ke baad aur rate-limit counters maximum 24 hours ke baad prune hote hain.
• Device-local language aur progress user ya browser ke clear karne tak rehte hain. Gumroad verification ke liye enter ki gayi License Key browser storage ya FIN ABC database mein save nahi hoti. Pending registration reference completion, expiry ya browser-session deletion par remove hote hain.

Aapke rights aur choices

Applicable law ke under aap access, correction, deletion, restriction, copy ya objection request kar sakte hain. Aap Italy ke supervisory authority, Garante per la protezione dei dati personali, ya jahan applicable ho kisi doosri competent authority ko complaint bhi kar sakte hain. “Delete my account / Delete my data” ke liye Account page use karein ya account email se fin.ancial.abc1@gmail.com par likhein. FIN ABC verification maang sakta hai. FIN ABC account delete karne se alag ChatGPT/OpenAI ya Gumroad account delete nahi hota; legally required transaction records reh sakte hain.

International access aur security

FIN ABC Italy se manage hota hai aur India samet doosre countries mein available hai. Kuch technical providers user ke country se alag countries mein data process kar sakte hain. Jahan law require karta hai, relevant provider ko applicable transfer safeguards use karne hote hain; FIN ABC kisi specific contractual mechanism ka claim tab tak nahi karta jab tak woh service ke liye verify na ho. FIN ABC access controls use karta hai, lekin koi online service absolute security guarantee nahi kar sakti.

Changes aur contact

Service ya law badalne par yeh policy update ho sakti hai. Material changes clearly dikhaye jayenge. Privacy questions aur requests: fin.ancial.abc1@gmail.com.