Privacy Policy

(Compliant with Information Technology Act, 2000 and SPDI Rules, 2011)

This Privacy Policy describes how ZOHAR WEALTH PRIVATE LIMITED (“Company”, “we”, “our”, “us”) collects, receives, possesses, stores, deals with, and protects personal information of users (“you”, “your”) who access or purchase courses from Sibi Paul Academy.

This Policy is published in accordance with:

Section 43A of the Information Technology Act, 2000
Rule 4 of the IT (SPDI) Rules, 2011

1. Definitions (As per SPDI Rules)

Personal Information: Any information that relates to a natural person which, directly or indirectly, is capable of identifying such person.
Sensitive Personal Data or Information (SPDI) includes:
- Passwords
- Financial information such as bank account, debit/credit card details
- Payment instrument details
- Any other information classified as SPDI under applicable law

2. Information We Collect

a) Personal Information

Name
Email address
Phone / WhatsApp number

b) Sensitive Personal Data (SPDI)

Payment details (processed only through authorized payment gateways; we do not store card or banking information)

c) Technical & Usage Data

IP address
Browser type
Device information
Pages visited and interaction data
Cookies and analytics data

All information is collected only when voluntarily provided by you or automatically through lawful technical means.

3. Purpose of Collection and Usage

(As required under Rule 5(2), SPDI Rules)

Information collected is used strictly for:

Course purchase processing and access control
User authentication and LMS access
Communication related to courses, updates, and support
Customer service and grievance redressal
Website analytics and experience improvement
Legal, accounting, and regulatory compliance

❗ We do not sell, rent, or trade your personal or sensitive personal data.

4. Consent

(As per Rule 5(1), SPDI Rules)

By accessing or using Sibi Paul Academy, you:

Consent to the collection, storage, processing, and transfer of your information as described in this Policy
Acknowledge that such consent is voluntary and informed

You may withdraw consent by written request; however, this may limit access to services.

5. Educational Use & Non-Advisory Disclaimer

All data collected is used only for educational services
Course enrollment does not create an advisory, agent, broker, or insurer relationship
Any insurance-related interaction, if initiated later, occurs outside this platform and under separate licensed individuals

6. Disclosure to Third Parties

(As per Rule 6, SPDI Rules)

We may share information only with:

Payment gateways (e.g., Razorpay)
Communication tools (WhatsApp, email services)
LMS and analytics platforms

Such disclosures are:

Necessary for service delivery
Bound by confidentiality and data-protection obligations

We do not disclose data without consent, except where required by law or government authority.

7. Cookies & Tracking Technologies

Cookies may be used to:

Enable platform functionality
Analyze traffic and usage patterns
Improve user experience

You may disable cookies through browser settings, though certain features may be affected.

8. Data Security Practices

(As per Rule 8, SPDI Rules)

We implement reasonable security practices, including:

Secure servers and encrypted connections
Restricted access controls
Reputed third-party service providers

Despite best efforts, no electronic transmission or storage method is 100% secure.

9. Data Retention

(As per Rule 5(4), SPDI Rules)

Personal and sensitive data is retained:

Only for as long as necessary for stated purposes
Or as required under applicable laws and regulations

10. User Rights

(As per Rule 5(6), SPDI Rules)

You have the right to:

Review personal information provided
Request correction or amendment
Request deletion (subject to legal obligations)

Requests may be sent to our official contact email.

11. Children’s Privacy

Our services are intended only for individuals aged 18 years and above.
We do not knowingly collect data from minors.

12. Policy Updates

(As per Rule 5(3), SPDI Rules)

We reserve the right to amend this Privacy Policy at any time.
Changes shall take effect immediately upon posting.

13. Grievance Officer

(As required under Rule 5(9), SPDI Rules)

Grievance Officer
ZOHAR WEALTH PRIVATE LIMITED
G3B, Thejaswini, Technopark
Thiruvananthapuram – 695581

📧 [email protected]
📞 +91 9497227777

All grievances shall be addressed within a reasonable timeframe as mandated by law.