Privacy Policy - SM Santhosh Kumar

This Privacy Policy explains how SM Santhosh Kumar ("we", "us", "our") collects, uses, shares, and protects personal information when you visit our website https://smsanthosh.com (the "Site"), purchase the digital product "Finance Mastery for CXOs", submit inquiries through the contact form, or interact with our services.

We are committed to protecting your privacy and handling your personal data responsibly in compliance with applicable laws, including the Digital Personal Data Protection Act, 2023 (India).

1. Information We Collect

We may collect the following types of information:

Contact & identification data: name, email address, phone number (provided when you contact us or place an order)
Order information: email address used for delivery, purchase details (we do not store full payment card information — processed securely by third-party payment providers)
Communication preferences: whether you wish to receive updates or newsletters
Technical & usage data: IP address, browser type, device details, pages visited, time spent on site (collected automatically via cookies and analytics tools)

2. How We Collect Information

Directly from you — when you fill out forms, make a purchase, or send us a message
Automatically — through cookies, server logs, and analytics services
From third-party services — limited metadata from payment processors (no card details stored by us)

3. How We Use Your Information

We use your information only for the following purposes:

To deliver the purchased digital product (PDF download link)
To respond to your inquiries and messages
To send order confirmations and important service-related emails
To send optional newsletters or updates (only with your explicit consent)
To improve the website, analyze usage trends, and enhance user experience
To comply with legal obligations, prevent fraud, or protect our rights

4. Sharing of Information

We do not sell your personal information. We share data only in these limited situations:

With payment processors (only necessary transaction metadata)
With email service providers (for sending transactional emails or consented newsletters)
With hosting/analytics providers under strict confidentiality agreements
When required by law, court order, or government request
To protect our rights, safety, or property

5. International Transfers

Some of our service providers (email, analytics, hosting) may be located outside India. We take appropriate safeguards to protect your data during such transfers, in line with applicable law.

6. Data Retention

We retain personal information only as long as necessary:

Purchase/order records → retained for 5–7 years (accounting & tax compliance)
Contact inquiries → up to 12 months (unless longer retention is required for legal reasons)
Marketing subscribers → until you unsubscribe or withdraw consent
Analytics data → typically anonymized or deleted after 14–26 months

7. Your Rights

You have the right to:

Access, correct, or request deletion of your personal data
Withdraw consent (where processing is based on consent)
Object to or restrict certain processing
Raise a grievance with us — we will respond promptly

To exercise these rights, please contact us at collobrate@smsanthosh.com

8. Cookies & Tracking

We use essential cookies for site functionality. Optional analytics cookies may be used to understand site usage. You can manage cookie preferences through your browser settings or our cookie banner (if implemented).

9. Children's Privacy

Our website and services are not intended for children under 18. We do not knowingly collect data from children. If we learn we have collected such data, we will delete it immediately.

10. Security

We use reasonable technical and organizational measures to protect your information (HTTPS, secure hosting, access controls). However, no internet transmission is completely secure.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted here with a revised "Last updated" date. Significant changes will be highlighted on the website.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please reach out to:

SM Santhosh Kumar
Email: collobrate@smsanthosh.com
Website: https://smsanthosh.com