Privacy Policy
Mann + Dhan + Hunar Ready — Employee Readiness Program
1. Who We Are
TechArtha Financial Services Private Limited ("TechArtha", "we", "our", or "us") is a company incorporated under the Companies Act, 2013, registered in Maharashtra, India. We are an AMFI-registered Mutual Fund Distributor (ARN-330164) and Insurance Agency holder, offering financial awareness and distribution services.
The Mann + Dhan + Hunar Ready Readiness Program ("the Program") is a free learning initiative operated by TechArtha, accessible through our website and learning management system (collectively, "the Platform"). This Privacy Policy applies to all personal information collected through the Platform, including the enrollment form, course content, WhatsApp communications, and related services.
This Privacy Policy is published in compliance with the Information Technology Act, 2000 ("IT Act"), the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPDI Rules"), and applicable provisions of the Digital Personal Data Protection Act, 2023 ("DPDP Act") and the rules framed thereunder, as and when notified.
2. What Information We Collect
2.1 Information you provide directly
When you enroll in the Program through our enrollment form, we collect:
| Information | Why we collect it | Required? |
|---|---|---|
| Full name | To personalise your learning experience and communications | Yes |
| WhatsApp mobile number | To send your lesson videos, progress nudges, and support messages via WhatsApp | Yes |
| Email address | To send your enrollment confirmation, lesson updates, and completion certificate | Yes |
| Track(s) selected (A, B, or C) | To route your learning content and WhatsApp drip sequence correctly | Yes |
| Current employment status | To help personalise content and pacing to your situation | No — optional |
| Consent confirmation | To record that you have agreed to receive WhatsApp and email communications | Yes |
2.2 Information collected automatically
- Course progress data: lessons completed, quiz responses, and completion percentage — recorded by our LMS to display your progress and issue your certificate.
- Login and account data: your username (email-based) and encrypted password — stored on our WordPress server to give you access to enrolled courses.
- Device and browser information: IP address, browser type, device type, and general location (city/region) — collected automatically by our web server and analytics tools.
- Cookie data: session cookies (to keep you logged in) and optional analytics cookies. See Section 7 for full details.
2.3 Information we do NOT collect
- Payment card numbers, bank account details, or any financial account information. The Program is completely free and no payment is ever requested.
- Aadhaar numbers, PAN numbers, or any government-issued identification.
- Sensitive Personal Data or Information as defined under the SPDI Rules, such as health conditions, biometric data, or financial account details.
3. How We Use Your Information
| Purpose | Legal basis | Data used |
|---|---|---|
| Deliver enrolled course content and track progress | Contractual necessity | Name, email, course progress |
| Send lesson videos and learning nudges via WhatsApp | Your explicit consent at enrollment | Mobile number, track selection, name |
| Send enrollment confirmation and completion emails | Contractual necessity | Name, email |
| Issue your completion certificate | Contractual necessity | Name, course title, completion date |
| Identify completers for optional free Money Check-In offer | Legitimate interest, with right to opt out at any time | Name, email, modules completed |
| Improve the Program based on usage patterns | Legitimate interest | Aggregated, anonymised progress data |
| Comply with legal obligations | Legal compliance | As required by applicable law |
We will never use your information to send unsolicited promotional messages unrelated to this Program without your separate, explicit consent.
4. WhatsApp Communications
By enrolling in the Program and checking the consent box on the enrollment form, you explicitly consent to receiving WhatsApp messages from TechArtha through our WhatsApp Business API provider. These messages include:
- Your welcome message on enrollment.
- Lesson video links, delivered on a scheduled basis over the duration of the Program.
- Brief engagement check-ins (e.g. "How did this week's video land?").
- Track completion notifications and your certificate download link.
- A one-time optional invitation to book a free Money Check-In call on completing the full Program.
You can opt out of WhatsApp messages at any time by replying STOP to any message from our number. On receiving your STOP reply, we will remove your number from all active drip sequences within 48 hours and you will receive no further WhatsApp messages from us under this Program.
All WhatsApp messages use pre-approved templates submitted to and approved by Meta Platforms, Inc. under its WhatsApp Business Policy.
5. How We Store and Protect Your Information
5.1 Where your data is stored
| Data type | Stored in | Server location |
|---|---|---|
| Enrollment form data | Zoho Forms and Zoho CRM (Zoho Corporation Pvt Ltd) | Zoho India data centres — verify current residency at zoho.com/privacy |
| Course progress, account login, certificates | Hosting Provider in India | India |
| WhatsApp message logs | WATI / Interakt platform | Per their privacy policies at wati.io/privacy or interakt.ai/privacy |
| Video content | YouTube (Google LLC) — unlisted videos on our YouTube channel | Google's global server infrastructure |
5.2 Security measures
We implement reasonable security practices and procedures as required under Rule 8 of the SPDI Rules, including:
- SSL/TLS encryption on all data transmitted between your browser and our website (https://).
- Encrypted password storage — passwords are hashed and never stored in plain text.
- Access controls — only authorised TechArtha personnel can access learner records.
- Firewall protection, malware scanning, and brute-force login prevention on our WordPress installation.
- Regular platform updates to patch known security vulnerabilities.
No method of electronic storage or transmission is 100% secure. If you become aware of any security concern relating to your account, please notify us immediately at support@TechArtha.com.
6. Sharing Your Information
We do not sell, rent, or trade your personal information to any third party for marketing purposes, ever. We share your information only in the following limited circumstances:
| Third party | What we share | Why | Their privacy policy |
|---|---|---|---|
| Zoho Corporation Pvt Ltd | Name, mobile, email, track, consent timestamp | CRM and form data storage, email communications | zoho.com/privacy |
| WATI / Interakt | Mobile number and message content | WhatsApp Business API message delivery | wati.io/privacy · interakt.ai/privacy |
| YouTube / Google LLC | None from us — Google may collect its own data per its policies when you watch a video | Video hosting and streaming | policies.google.com/privacy |
| Hosting provider | Server infrastructure only — no direct access to individual user records | WordPress and LMS hosting | [Insert hosting provider privacy URL] |
| Legal authorities | Minimum information legally required | If required by law, court order, or government authority under Indian law | N/A |
7. Cookies
| Cookie type | Purpose | Can you turn these off? |
|---|---|---|
| Essential / session cookies | Keep you logged in during your visit; required for course access to function | No — the website cannot function correctly without these |
| Analytics cookies (if enabled) | Understand how learners navigate the Platform — page views, lesson drop-off points | Yes — via the cookie consent banner on your first visit |
| Third-party cookies (YouTube) | YouTube uses these to enable video playback and may track viewing data per Google's policies | You can block third-party cookies in your browser settings, but this may prevent video playback |
You can control cookies through your browser settings. Blocking essential cookies will prevent you from logging in and accessing your enrolled courses. Blocking third-party cookies may prevent YouTube videos from playing — you can use the direct YouTube link sent in your WhatsApp lessons as an alternative.
8. Data Retention
| Data type | Retention period |
|---|---|
| Enrollment data (name, email, mobile, track) | 3 years from your last interaction with TechArtha, or until you request deletion — whichever is earlier |
| Course progress and completion records | 3 years from completion date |
| Completion certificates | Issued to you permanently; our copy retained for 3 years |
| WhatsApp message logs | As per WATI/Interakt's own retention policy (typically 90–180 days on their platform) |
| Website analytics (if collected) | 26 months (standard analytics retention) or shorter if configured |
After the applicable retention period, we will securely delete or anonymise your personal information so that it can no longer be used to identify you.
9. Your Rights
Under applicable Indian law and as a matter of our commitment to you, you have the following rights regarding your personal information:
| Right | What it means | How to exercise it |
|---|---|---|
| Right to access | Request a copy of the personal information we hold about you | Email support@TechArtha.com with subject "Data Access Request" |
| Right to correction | Request correction of inaccurate or incomplete information | Email support@TechArtha.com or update your account profile directly |
| Right to erasure | Request deletion of your personal information from our systems | Email support@TechArtha.com with subject "Data Deletion Request" |
| Right to withdraw consent | Withdraw consent to WhatsApp or email communications at any time | Reply STOP to any WhatsApp message, or email support@TechArtha.com |
| Right to grievance redressal | Raise a complaint about how your data is handled | Contact our Grievance Officer — see Section 11 |
Note on deletion requests: Requesting deletion of your personal information will result in your CRM record, course progress, and enrollment data being permanently erased. This also means your completion certificates cannot be reissued. We will complete deletion requests within 30 days, except where we are legally required to retain the data.
10. Children's Privacy
The Mann + Dhan + Hunar Ready Program is designed for working professionals and is not directed at individuals under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If you believe a minor has enrolled in the Program without appropriate consent, please contact us at support@TechArtha.com and we will delete that information promptly.
11. Grievance Officer
In accordance with the Information Technology Act, 2000 and the rules framed thereunder, TechArtha has designated a Grievance Officer. If you have any complaints, concerns, or queries regarding this Privacy Policy, please contact:
Name:Sushil Raul, Founder & Director
Email:support@TechArtha.com
Phone:+91 8308816023
Address:Office No 204, 2nd Floor, Pawar Plaza, Opp. Azure Society, Tathawade, Pune 411033, Maharashtra, India
Hours:Monday to Friday, 10:00 AM – 6:00 PM IST (excluding public holidays)
We will acknowledge your grievance within 48 hours of receipt and aim to resolve it within 30 days.
12. Links to Third-Party Websites
Our lesson videos are hosted on YouTube. When you click a YouTube link in your WhatsApp message or within the Platform, you are accessing YouTube's platform, which is subject to Google's own Privacy Policy (policies.google.com/privacy) and Terms of Service. TechArtha is not responsible for the privacy practices of YouTube, Google, or any other third-party website linked from the Platform.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make a significant change, we will:
- Update the "Last Updated" date at the top of this document.
- Post a notice on the Program homepage for at least 30 days.
- Where practical and required, notify enrolled learners by email or WhatsApp of material changes.
Continued use of the Platform after the effective date of a revised Privacy Policy constitutes your acceptance of the revised terms. If you disagree with the changes, you may request deletion of your account and personal data as described in Section 9.
14. Governing Law and Jurisdiction
This Privacy Policy is governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000, the SPDI Rules, 2011, the Digital Personal Data Protection Act, 2023, and any rules or regulations framed thereunder. Any disputes arising in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts at Pune, Maharashtra, India.
15. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us through any of the following:
- Email: support@TechArtha.com
- Phone: +91 8308816023
- Post: TechArtha Financial Services Pvt Ltd, Office No 204, 2nd Floor, Pawar Plaza, Opp. Azure Society, Tathawade, Pune 411033, Maharashtra, India
- Website: www.TechArtha.com
We will respond to all written enquiries within 5 business days.