Privacy Policy
Effective date: September 6, 2025
This Privacy Policy (“Policy”) describes how koshadhyaksh.com (the “Website”, “we”, “us”, or “our”)
collects, uses, discloses, and protects personal information that we obtain from users (“you” or “user”).
By accessing or using the Website, you agree to the practices described in this Policy. If you do not agree,
please do not use the Website.
1. Information We Collect
We collect information that you provide directly and information that we collect automatically.
- Information you provide: name, email address, contact details, comments, messages, profile information, payment or billing information (if applicable), and any content you submit (e.g., blog comments, contact form entries).
- Automatically collected information: IP address, browser type and settings, device identifiers, operating system, pages visited, referral/exit pages, date/time stamps, and other usage data collected through server logs and cookies.
- Cookies and tracking technologies: We use cookies, web beacons, local storage, and similar technologies to collect usage information and to enhance and customize your experience.
2. How We Use Your Information
We use personal information for legitimate business purposes, including:
- To provide, operate, and maintain the Website and its features;
- To communicate with you, respond to inquiries, and send administrative messages;
- To process payments and prevent fraud (when applicable);
- To analyze usage, improve user experience, and develop new features and content;
- To personalize content, recommend resources, and display relevant information;
- To comply with legal obligations and enforce our Terms of Service.
3. Legal Bases for Processing (EU GDPR)
If you are located in the European Economic Area (EEA), we process personal data under the following legal bases:
- Performance of a contract: where processing is necessary to provide the services you request;
- Legitimate interests: for analytics, fraud prevention, and to improve and secure our service;
- Consent: where required (for example, certain cookies and direct marketing);
- Legal obligations: to comply with laws and lawful requests from authorities.
4. Disclosure of Information
We may disclose personal information in the following circumstances:
- To service providers and contractors who perform functions on our behalf (hosting, analytics, payment processing).
- To comply with legal obligations, enforce our rights, or respond to lawful requests from public authorities.
- To protect the rights, property or safety of the Website, our users, or the public.
- In connection with a corporate transaction such as a merger, sale of assets, financing, or acquisition.
5. Cookies, Analytics & Third-Party Services
We and our third-party partners use cookies and similar technologies to understand site usage and improve functionality. You may control cookies through your browser settings and, where applicable, via cookie consent tools on the Website. Third-party analytics providers (e.g., Google Analytics) may collect information about your use of the Website under their own privacy policies.
6. Data Retention
We retain personal data only as long as necessary for the purposes set out in this Policy or as required by law. When data is no longer required, we will delete or anonymize it in a manner consistent with applicable law.
7. Security
We implement reasonable technical and organizational measures intended to protect personal data against unauthorized access, disclosure, alteration, and destruction. No security measure is absolute; therefore, we cannot guarantee the absolute security of information transmitted to us.
8. Your Rights
Depending on your jurisdiction, you may have the following rights with respect to your personal data:
- The right to access and obtain a copy of your personal data;
- The right to correct inaccurate or incomplete data;
- The right to request deletion or restriction of processing;
- The right to object to processing (including direct marketing) and the right to data portability;
- The right to withdraw consent where we rely on consent to process data.
To exercise any of these rights, please contact us using the contact details provided below. We will respond in accordance with applicable law.
9. Children
The Website is not intended for children under the age of 16. We do not knowingly collect personal data from children under the age of 16. If you believe we have inadvertently collected such data, please contact us and we will take steps to delete it.
10. International Transfers
We may transfer and store personal data on servers located outside your country. When transferring data internationally, we will implement appropriate safeguards required by applicable law (such as standard contractual clauses or other lawful transfer mechanisms) to protect your personal information.
11. California Privacy Rights (CCPA)
If you are a California resident, you may have additional rights including the right to request disclosure of categories of personal information collected, sold, or disclosed for a business purpose, and the right to opt-out of the sale of personal information. To exercise these rights, contact us at the address below. We will verify requests in accordance with applicable law.
12. Changes to This Policy
We may update this Policy from time to time. When we make material changes, we will post the updated Policy with a new effective date and, where required, obtain any necessary consent. Continued use of the Website after such changes constitutes acceptance of the updated Policy.
13. Governing Law & Dispute Resolution
This Policy and any disputes related to privacy will be governed by the laws of India, without regard to its conflicts of law principles, unless otherwise required by applicable law. Where permissible, disputes will be resolved through good faith negotiation and, if unresolved, through binding arbitration or courts as permitted by law.
14. Contact Us
If you have questions, requests, or concerns regarding this Privacy Policy, please contact:
koshadhyaksh.com
Email: mybankgyan@gmail.com
For any complaints or privacy-related concerns, please write to us at mybankgyan@gmail.com