Privacy Policy

Last Updated: January 2026

1. Information We Collect

When You Register or Book a Session:

• Name and contact number (WhatsApp/Phone)
• Email address
• Payment information (UPI ID, bank details, etc.)
• Age/Demographic information

During Sessions:

• Session transcripts or call recordings (with your consent only)
• Topics discussed and personal information shared
• Any notes or summaries created during consultation

Automated Information:

• IP address and device information
• Website usage analytics (via Google Analytics)
• Cookies and browser data

2. How We Use Your Information

We use collected information for:

• Service Delivery: To schedule and conduct counselling sessions
• Payment Processing: To charge for services and send invoices
• Communication: To send appointment reminders and important updates
• Improvement: To enhance our services based on feedback
• Compliance: To meet legal and regulatory requirements

3. Data Protection & Security

• All session data is stored securely with encryption
• Personal information is kept in secure databases
• We use WhatsApp and secure call services for communications
• No data is shared with external analytics or advertising companies
• We conduct regular security audits

4. Data Retention

• Session Records: Kept for 2 years for billing purposes
• Contact Information: Retained until you request deletion
• Payment Records: Maintained as per tax compliance requirements (India)
• You can request data deletion at any time

5. Your Rights

You have the right to:

• Access: Request a copy of all data we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request that we delete your personal data
• Opt-Out: Unsubscribe from marketing communications
• Portability: Request your data in a portable format

6. When We May Disclose Information

We will NOT share your information except:

• Legal Requirement: If mandated by law or court order
• Safety Risk: If you pose an immediate threat to yourself or others
• Service Providers: Payment gateways and communication platforms (with strict NDAs)

7. Third-Party Services

We use the following third-party services:

• WhatsApp: For messaging and communication
• Google Analytics: For website traffic analysis
• Payment Gateways: UPI, banks, and digital wallets

These services have their own privacy policies. We recommend reviewing them.

8. Cookies & Tracking

• Our website uses cookies for user experience enhancement
• You can disable cookies in your browser settings
• Google Analytics may track anonymous usage data

9. Children & Minors

Our services are for individuals 18 years and older. We do not knowingly collect data from minors. If you believe we have collected data from a minor, please contact us immediately.

10. International Users

Our service is primarily for Indian users. If you are accessing from outside India, note that data protection laws may differ. By using our service, you consent to data processing as described in this policy.

11. Policy Updates

We may update this Privacy Policy periodically. We will notify you of significant changes via email or website announcement. Continued use of our services constitutes acceptance of updated policies.

12. Contact Us for Privacy Concerns

If you have privacy questions, concerns, or data requests:

• Email: contact@speakandsettle.online
• WhatsApp: +91 8591 201967
• Website: speakandsettle.online