Privacy Policy

1. Introduction

Welcome to Concepts 'n' Clarity. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, enroll in our courses, or interact with our services.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please do not access our website or use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for a demo class or inquiry
• Enroll in our CFA or FRM coaching programs
• Contact us through our website, email, or phone
• Subscribe to our newsletters or updates
• Participate in surveys or feedback forms
• Attend our classes (classroom or online)

The personal information we collect may include:

• Contact Information: Name, email address, phone number, postal address
• Educational Information: Academic background, course preferences, exam level
• Professional Information: Current employment, work experience, career goals
• Payment Information: Billing details, transaction records (processed through secure payment gateways)
• Identification: Government-issued ID for verification purposes (when required)

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our website
• Referring website or source
• Date and time of access
• Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive information about you from:

• Social media platforms (if you choose to connect your account)
• Payment processors and financial institutions
• CFA Institute and GARP (for verification purposes only)

3. How We Use Your Information

We use the collected information for various purposes, including:

3.1 Educational Services

• Process your enrollment and provide course materials
• Schedule and conduct classes (classroom and online)
• Provide study materials, mock tests, and assessments
• Track your progress and provide performance feedback
• Issue certificates and completion records
• Communicate important course updates and schedule changes

3.2 Communication

• Respond to your inquiries and support requests
• Send administrative information, updates, and notifications
• Provide customer service and technical support
• Send newsletters, promotional materials, and course updates (with your consent)
• Conduct surveys to improve our services

3.3 Business Operations

• Process payments and maintain financial records
• Prevent fraud and ensure platform security
• Analyze usage patterns to improve our website and services
• Comply with legal obligations and regulatory requirements
• Maintain attendance and academic records

4. Information Sharing and Disclosure

We may share your information only in the following circumstances:

4.1 With Your Consent

We will share your information when you explicitly consent to such sharing.

4.2 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Payment processing (secure payment gateways)
• Email and SMS communication services
• Online learning platform hosting
• Data storage and backup services
• Website hosting and maintenance

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Valid legal requests from government authorities
• Court orders or legal processes
• Protection of our legal rights and property
• Prevention of fraud or illegal activities
• Protection of safety and security of users

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: Sensitive data is encrypted during transmission using SSL/TLS protocols
• Access Controls: Limited access to personal data on a need-to-know basis
• Secure Storage: Information stored on secure servers with regular backups
• Password Protection: User accounts protected by strong password requirements
• Regular Security Audits: Periodic review of security measures and practices
• Employee Training: Staff trained on data protection and privacy practices

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our educational services to you
• Comply with legal and regulatory obligations
• Maintain academic and financial records as required by law
• Resolve disputes and enforce our agreements
• Maintain alumni records for future reference

Typical retention periods:

• Active Students: Duration of enrollment plus 7 years for academic records
• Inquiry Data: 2 years from last contact
• Payment Records: 7 years as required by Indian tax laws
• Marketing Communications: Until you unsubscribe

7. Your Privacy Rights

You have the following rights regarding your personal information:

7.1 Access and Correction

You have the right to access, update, or correct your personal information. You can do this by:

• Logging into your student account (if applicable)
• Contacting us at info@conceptsnclarity.com
• Calling us at +91-8527140110

7.2 Data Deletion

You can request deletion of your personal information, subject to:

• Legal obligations to retain certain records
• Ongoing contractual obligations
• Legitimate business interests

7.3 Marketing Communications

You can opt-out of receiving marketing communications by:

• Clicking the "unsubscribe" link in our emails
• Replying "STOP" to SMS messages
• Contacting us directly to update your preferences

Note: Even if you opt-out of marketing communications, we will still send you essential service-related communications.

7.4 Data Portability

You have the right to receive a copy of your personal information in a structured, commonly used format.

7.5 Complaints

If you believe we have not handled your personal information properly, you have the right to lodge a complaint with us or with the appropriate data protection authority.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website:

8.1 Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Performance Cookies: Help us understand how visitors use our site
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Track effectiveness of our advertising campaigns

8.2 Managing Cookies

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

9. Third-Party Links

Our website may contain links to third-party websites (CFA Institute, GARP, payment gateways, etc.). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are intended for individuals who are at least 18 years old or pursuing professional certifications. We do not knowingly collect information from children under 18. If we discover we have collected information from a child under 18, we will delete it promptly.

11. International Data Transfers

Your information is primarily stored and processed in India. If you are accessing our services from outside India, please be aware that your information may be transferred to and processed in India, where data protection laws may differ from those in your country.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying a notice on our website

The "Last Updated" date at the top of this policy indicates when it was last revised. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

13. Contact Us

14. Consent

By using our website and services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use our services.