Privacy Policy

Uttaradhikari ("we", "our", "us") respects your privacy and is committed to protecting your personal, financial, and sensitive information. This Privacy Policy explains how we collect, use, store, share, and protect your data when you use our website, mobile application, and related services ("Platform").

1. Information We Collect

a) Personal Information

• Name, email address, phone number
• Date of birth
• Address and identity-related details (if voluntarily provided)

b) Financial & Sensitive Information

• Insurance policy details
• Bank account references (masked)
• Investment, asset, nominee, and succession-related information
• Documents uploaded by the user

Note: Uttaradhikari does not store debit/credit card numbers, CVV, or net-banking credentials.

c) Technical & Usage Data

• Device information, OS version, IP address
• App usage logs, crash data, timestamps
• Cookies and similar tracking technologies

2. Purpose of Data Collection

• Secure storage and organized access to personal records
• Succession, nominee, and information-sharing workflows
• User authentication and account management
• Improving platform security and performance
• Legal, regulatory, and compliance obligations

We do not sell, rent, or trade user data.

3. Legal Basis for Processing (India)

• User consent
• Contractual necessity
• Compliance with legal obligations
• Legitimate interest in securing and improving the Platform

4. Payments & Financial Transactions

Payments are processed exclusively through HDFC Bank–authorized payment gateways.

• Uttaradhikari never stores payment card or banking credentials
• Payment data is handled directly by HDFC Bank through PCI-DSS–compliant systems
• We receive only transaction status, reference IDs, and confirmation details

All payment processing follows RBI guidelines, PCI-DSS standards, and HDFC Bank security policies.

5. Data Safety & Security Practices (Google Play Compliance)

• Encryption of data in transit and at rest where applicable
• Role-based and logged access to user data
• No use of sensitive personal data for advertising
• No sharing of data for cross-app tracking
• Data retention limited to service delivery and legal compliance needs

Despite safeguards, no digital system is completely secure. Users acknowledge this inherent risk.

6. Data Sharing & Third Parties

• Cloud infrastructure and hosting providers
• Analytics and security monitoring services
• Payment gateways (HDFC Bank)
• Government or regulatory authorities when required by law

All third parties are contractually bound to confidentiality and data protection obligations.

7. User Rights

• Access to their personal data
• Correction of inaccurate information
• Account deletion and data erasure (subject to legal retention requirements)

Requests can be made via: info@uttaradhikari.com

8. Account Deletion Policy

• Users may request deletion through the in-app option (Settings → Delete Account)
• Or via email from the registered email address

Upon deletion:

• Personal data will be permanently deleted or anonymized
• Certain records may be retained for legal, audit, or fraud-prevention obligations
• Deleted accounts cannot be restored

9. Data Retention

• For as long as the account remains active
• As required by applicable laws and regulations
• For dispute resolution, fraud prevention, and compliance purposes