Effective Date: January 01, 2024
Last Updated: January 01, 2024

1. Introduction
Welcome to Lawfully Finance, India’s trusted educational platform for financial literacy, debt relief awareness, and credit education.
This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website, mobile app, course platforms (including Graphy), or booking systems (such as Zoho Bookings).
By accessing or using any Lawfully Finance service, you consent to the collection and use of your information in accordance with this Privacy Policy.

2. Educational Purpose & Nature of Service
Lawfully Finance is an independent educational and informational platform.
We do not provide financial, legal, investment, or tax advice.
All user data is used strictly to improve learning experiences, provide consultation bookings, and ensure secure transactions.

3. Information We Collect
We may collect and process the following categories of information:
Identity Details: Name, age, gender (optional)
Contact Information: Email address, phone/WhatsApp number, location or city
Financial Details: Payment information processed securely through third-party gateways (e.g., Razorpay, Graphy, Stripe)
Government Identification (if voluntarily submitted): PAN, Aadhaar, or similar documents for KYC or verification purposes
Usage Data: Course progress, quiz scores, consultation notes, and feedback
Technical Data: Device details, browser type, IP address, cookies, and analytics identifiers
User-Generated Content: Testimonials, reviews, or social media comments

4. How We Use Your Information
Your information may be used for the following purposes:
To provide, personalize, and improve our services and content
To process payments and issue invoices securely
To schedule consultations, live sessions, or course access
To send educational updates, newsletters, and promotional offers (only with consent)
To ensure compliance with Indian law and prevent fraud or misuse
To analyze website and app performance for service improvement
We do not sell, rent, or trade your personal information to any third party for marketing purposes.

5. Information Sharing & Disclosure
We may share limited data only with trusted third parties essential for lawful operations, including:
Payment Gateways (Razorpay, Graphy, Stripe) — for secure payment processing
Communication Platforms (WhatsApp Business, Zoho Mail, Meta, Google Workspace) — for notifications and support
Analytics & Advertising Partners (Google, Meta, YouTube) — for performance tracking and remarketing
Legal Authorities — if required by court order, regulation, or law enforcement
All such partners comply with strict confidentiality and data-protection obligations.

6. Cookies & Tracking Technologies
We use cookies, beacons, and similar technologies to enhance user experience and analyze traffic.
You can choose to disable cookies in your browser settings, though some features may not function properly.
Cookies are used for:
Remembering user preferences and login sessions
Measuring analytics and ad performance
Customizing course recommendations and content

7. Third-Party Links & External Sites
Our website, app, or emails may contain links to third-party websites (including payment gateways, blogs, and affiliate offers).
We are not responsible for the privacy practices, content, or security of these external sites.
Users are encouraged to review the respective privacy policies of any linked platforms before providing personal information.

8. Data Retention & Deletion
We retain your information only as long as necessary to fulfill the purposes outlined above or as required by law.
You may request deletion of your personal data at any time by emailing us at:
📧 privacy@lawfullyfinance.com
Upon verification, your data will be securely deleted or anonymized within a reasonable timeframe, except where retention is legally necessary (e.g., invoices, payment records).

9. Data Security
We implement industry-standard security practices, including encryption, firewall protection, and secure data storage, to prevent unauthorized access, loss, or misuse of your personal data.
Despite these efforts, no system is entirely risk-free, and users share information at their own discretion.

10. User Rights under Indian Law
Under the Digital Personal Data Protection Act (2023), you have the right to:
Access, correct, or update your personal data
Withdraw consent to data processing
Request deletion or portability of data
Lodge a grievance regarding misuse of personal information
Requests can be submitted via privacy@lawfullyfinance.com.

11. Grievance Officer
In compliance with Rule 5(9) of the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the following person is designated as the Grievance Officer:
Name: Data Protection Officer – Lawfully Finance
Email: privacy@lawfullyfinance.com
Jurisdiction: Kolkata, West Bengal, India

12. Limitation of Liability
Lawfully Finance shall not be liable for any indirect, incidental, or consequential damages arising from unauthorized access, disclosure, or misuse of user information beyond our reasonable control.

13. Governing Law & Jurisdiction
This Privacy Policy is governed by the laws of India, and all disputes are subject to the exclusive jurisdiction of the courts located in Kolkata, West Bengal.

14. Consent & Acknowledgment
By using Lawfully Finance’s website, mobile app, or services, you acknowledge that you have read, understood, and agreed to this Privacy Policy and consent to the collection and use of your data as described herein.

15. Policy Updates
Lawfully Finance may modify or update this Privacy Policy at any time without prior notice to reflect operational, legal, or regulatory changes.
The “Last Updated” date at the top of this page indicates the most recent revision. Continued use of our services after such updates constitutes acceptance of the revised policy.

🏛️ Final Note
Lawfully Finance values your privacy and is committed to protecting your personal data with transparency, security, and full compliance under Indian law.