Privacy Policy

Last Updated: November 2, 2025

At ABN Consultants, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our mobile applications and services available at https://abnconsultants.in.

This Privacy Policy is designed to comply with the Digital Personal Data Protection Act, 2023 (DPDPA), the Information Technology Act, 2000, and all applicable Indian data protection laws.

1. Information We Collect

We collect various types of information to provide, maintain, and improve our services. The information we collect falls into the following categories:

1.1 Personal Information You Provide

When you register for an account, subscribe to our services, or interact with our applications, we may collect:

• Account Information: Name, email address, mobile phone number, date of birth, gender
• Payment Information: UPI ID (tokenized), billing address, transaction history
• Profile Information: Username, profile picture, preferences, interests
• Communication Data: Messages, feedback, support inquiries, survey responses
• Identity Verification: Age verification data for 18+ applications

1.2 Information Collected Automatically

When you use our applications, we automatically collect certain technical and usage information:

• Device Information: Device type, operating system, device identifiers (IMEI, Android ID), screen resolution
• Usage Data: App features used, session duration, interaction patterns, in-app navigation
• Log Data: IP address, access times, pages viewed, app crashes, performance data
• Location Data: Approximate location based on IP address (we do not collect precise GPS location)
• Cookies and Similar Technologies: Session cookies, preference cookies, analytics cookies

1.3 Information from Third Parties

We may receive information about you from third-party services:

• Payment Processors: Transaction confirmation, payment status from UPI providers
• Social Media: Public profile information if you connect social media accounts
• Analytics Providers: Aggregated usage statistics and demographic information

2. How We Use Your Information

We use the collected information for legitimate business purposes, including:

2.1 Service Delivery and Operations

• Creating and managing your account
• Processing payments and managing UPI Autopay subscriptions
• Delivering the features and functionality of our applications
• Personalizing your experience and content recommendations
• Sending service-related notifications and updates

2.2 Communication and Support

• Responding to your inquiries and providing customer support
• Sending important updates about service changes or policy modifications
• Conducting surveys and collecting feedback to improve our services
• Sending promotional communications (with your consent)

2.3 Analytics and Improvement

• Analyzing usage patterns to improve app performance and features
• Conducting research and development for new products and services
• Testing new features and optimizing user experience
• Generating aggregated, anonymized statistics for business intelligence

2.4 Security and Fraud Prevention

• Detecting and preventing fraudulent transactions and unauthorized access
• Enforcing our Terms and Conditions and other policies
• Protecting against malicious activity, spam, and security threats
• Verifying age requirements for 18+ content applications

2.5 Legal Compliance

• Complying with applicable laws, regulations, and legal processes
• Responding to lawful requests from government authorities
• Enforcing our legal rights and defending against legal claims
• Maintaining records for tax and accounting purposes

3. Data Collection for Age-Specific Applications

3.1 General Audience Apps (4+)

For applications rated 4+ that may be used by children:

3.2 Adult Content Apps (18+)

For applications with age-restricted content:

• We implement age verification mechanisms to restrict access to users 18 years and older
• We may collect additional verification data to confirm eligibility
• Adult content usage data is treated with heightened confidentiality
• We maintain strict access controls to prevent minors from accessing restricted content

4. UPI Autopay and Payment Data

For users who subscribe using UPI Autopay:

5. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. However, we may share your data in the following limited circumstances:

5.1 Service Providers

We engage trusted third-party service providers who assist us in operating our business:

• Payment Processors: UPI payment gateways for processing transactions
• Cloud Hosting: Amazon Web Services, Google Cloud Platform for data storage
• Analytics Services: Google Analytics, Firebase for usage analytics
• Customer Support: Help desk and ticketing systems for support services
• Email Services: Email delivery platforms for communications

All service providers are contractually bound to maintain confidentiality and use your data only for specified purposes.

5.2 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice within our applications before your data is transferred and becomes subject to a different privacy policy.

5.3 Legal Requirements

We may disclose your information when required by law or in response to:

• Valid legal processes (court orders, subpoenas, search warrants)
• Government or regulatory investigations
• Requests from law enforcement agencies
• National security or public safety requirements
• Protection of our rights, property, or safety, or that of our users

5.4 With Your Consent

We may share your information with third parties when you have explicitly consented to such sharing, such as when connecting your account to social media platforms or third-party integrations.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Data Type	Retention Period
Account Information	Duration of account + 90 days after account deletion
Payment Records	7 years (as per Indian tax laws)
Usage Logs	180 days
Support Communications	3 years after resolution
Marketing Communications	Until opt-out + 30 days
Analytics Data (Anonymized)	Indefinitely

After the retention period expires, we securely delete or anonymize your personal information. Anonymized data may be retained indefinitely for statistical analysis and research purposes.

7. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction:

• Encryption: Data in transit is encrypted using TLS/SSL protocols; sensitive data at rest is encrypted using AES-256
• Access Controls: Role-based access controls limit employee access to personal data on a need-to-know basis
• Authentication: Multi-factor authentication for administrative access to systems
• Monitoring: Continuous monitoring for security threats and suspicious activities
• Regular Audits: Periodic security assessments and vulnerability testing
• Secure Infrastructure: Use of reputable cloud service providers with SOC 2 and ISO 27001 certifications
• Incident Response: Documented procedures for responding to data breaches

While we strive to protect your data, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you use our services at your own risk.

8. Your Rights and Choices

Under the Digital Personal Data Protection Act, 2023, and other applicable Indian laws, you have the following rights regarding your personal information:

8.1 Right to Access

You have the right to request confirmation of whether we process your personal data and to obtain a copy of your data. You can access most of your information through your account settings or by contacting us at admin@abnconsultants.in.

8.2 Right to Correction

You have the right to request correction of inaccurate or incomplete personal data. You can update most information directly through your account settings.

8.3 Right to Erasure (Right to be Forgotten)

You have the right to request deletion of your personal data when:

• The data is no longer necessary for the purposes for which it was collected
• You withdraw your consent (where processing was based on consent)
• The data has been unlawfully processed
• Deletion is required to comply with a legal obligation

Please note that we may retain certain information where required by law or for legitimate business purposes.

8.4 Right to Grievance Redressal

You have the right to file a grievance regarding the processing of your personal data. We will acknowledge your grievance within 72 hours and respond substantively within 30 days.

8.5 Right to Opt-Out of Marketing

You can opt out of receiving promotional communications by:

• Clicking the "unsubscribe" link in marketing emails
• Adjusting notification preferences in your account settings
• Contacting us at admin@abnconsultants.in

Note that you cannot opt out of service-related communications (e.g., payment confirmations, security alerts).

8.6 Right to Data Portability

You have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transmit that data to another controller. Contact us to request data portability.

8.7 Right to Withdraw Consent

Where we process your data based on consent, you have the right to withdraw your consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.

9. International Data Transfers

Our primary operations and data storage are located in India. However, some of our service providers may process data in other countries. When we transfer personal data outside India, we ensure:

• The recipient country has adequate data protection laws as recognized by the Indian government
• We have appropriate contractual safeguards in place (Standard Contractual Clauses)
• The transfer is necessary for the performance of our contract with you
• You have explicitly consented to the transfer

10. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and deliver personalized content. Types of cookies we use:

Cookie Type	Purpose	Duration
Essential Cookies	Required for app functionality and security	Session / 1 year
Preference Cookies	Remember your settings and preferences	1 year
Analytics Cookies	Understand usage patterns and improve services	2 years
Marketing Cookies	Deliver relevant advertisements (with consent)	1 year

You can control cookies through your device settings or browser preferences. Note that disabling certain cookies may affect the functionality of our applications.

11. Third-Party Links and Services

Our applications may contain links to third-party websites, services, or advertisements. This Privacy Policy does not apply to third-party sites. We are not responsible for the privacy practices of third parties and encourage you to review their privacy policies before providing any personal information.

12. Data Breach Notification

In the unlikely event of a data breach that is likely to result in high risk to your rights and freedoms, we will:

• Notify affected users within 72 hours of becoming aware of the breach
• Provide details about the nature of the breach and data affected
• Describe measures taken to address the breach
• Offer guidance on steps you can take to protect yourself
• Report the breach to the Data Protection Authority as required by law

13. Grievance Redressal Mechanism

In compliance with Indian regulations, we have established a grievance redressal mechanism to address privacy concerns:

Escalation: If you are not satisfied with our response, you may escalate your complaint to the Data Protection Board of India (once established under DPDPA 2023) or approach consumer courts under the Consumer Protection Act, 2019.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email or in-app notification
• Provide a summary of key changes
• Obtain your renewed consent where required by law

We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

16. Related Documents

For a complete understanding of your relationship with ABN Consultants, please also review:

• Terms & Conditions - Governing the use of our services
• Refund Policy - Details about payments, subscriptions, and refunds