📜 Privacy Policy – Ms. Krish Financials

Effective Date: 01/01/2025

This Privacy Policy applies to all users of www.chandrilray.com, operated by Ms. Krish Financials (“we”, “our”, “us”). We are committed to safeguarding your personal and financial information in accordance with guidelines from the Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI), and applicable cybersecurity standards.

Our educational programs, led by Mr. Chandril Ray (SEBI-registered Research Analyst & Financial Risk Manager), aim to promote financial literacy and empower investors.

1. Scope & Applicability

This policy applies to all users who:

• Access our website
• Enroll in our educational programs
• Make payments on our platform

Compliance includes:

• RBI’s Digital Payment Security Controls (2020)
• SEBI’s Cyber Resilience Framework (2022)
• IT Act, 2000 and related rules

2. Information We Collect

A. Personal Information:

• Full name
• Email address
• Mobile number
• Billing address
• Educational/professional background

B. Financial Information:

• Payment method details (e.g., UPI, card type)
• Note: We do not store card numbers, UPI IDs, or banking credentials. All transactions are processed via RBI-compliant, PCI-DSS-certified gateways.

C. Technical Information:

• IP address
• Browser/device info
• Usage behavior/session data

3. Use of Your Information

• Program enrollment with Chandril Ray
• Payment processing
• Course updates and notifications
• Regulatory compliance
• Security monitoring and service improvements

4. Security and Compliance Measures

• SSL encryption for data transfer
• End-to-end encrypted channels
• Regular vulnerability scans
• Role-based data access
• Compliance with RBI & SEBI frameworks
• Secured infrastructure with MFA, backups, and logs

5. Regulatory Compliance

• RBI Digital Payment Security Master Directions
• SEBI Cyber Resilience Circular (2022)
• SEBI’s Research Analyst Code of Conduct
• IT Security Rules, 2011

6. Third-Party Sharing

We do not sell/rent personal data. Information is shared only with:

• RBI-authorized payment processors
• Government or regulatory agencies (as required)
• IT partners for support/analytics (under NDAs)

7. User Rights

• Access or correct personal info
• Withdraw marketing consent
• Request data deletion (subject to legal retention)
• File complaints with our Grievance Officer

8. Data Retention

• Only retained as needed for:
• Legal/regulatory compliance
• Course certification
• Audits and support

9. Cookies and Tracking

Cookies improve your experience. You can manage cookie preferences via browser settings. Some site functions may be limited if cookies are blocked.

10. Grievance Redressal

If you have questions or complaints, please contact:

• Grievance Officer: Chandril Ray
• Email: support@chandrilray.com
• Phone: +91 89109 52832
• Address: 9/2 Jagannath Sarkar Lane, Khidderpore, Kolkata - 23

11. Changes to This Policy

We may update this Privacy Policy due to legal or operational changes. Updates will be announced on our website and via email.

12. Governing Law & Jurisdiction

This policy is governed by Indian law. Disputes shall be resolved in the courts of Kolkata, West Bengal.

📝 Consent

By using www.chandrilray.com, enrolling in programs, or making payments, you consent to the terms outlined in this Privacy Policy.