गोपनीयता नीति

1. Who We Are

FirstBuzz365.com ("we," "us," "our") is a personal finance and lifestyle content website operated as a sole proprietorship business based in Hyderabad, Telangana, India. We publish practical financial guides, calculators, and digital tools designed for India's salaried professionals.

Business name: FirstBuzz365
Website: https://www.firstbuzz365.com
Contact email: support@firstbuzz365.com
Business address: Hyderabad, Telangana – 500001, India

This Privacy Policy describes how we collect, use, and protect your personal information when you visit our website, purchase our digital products, or otherwise interact with us.

2. Data We Collect

2.1 Information You Provide Directly

• Contact information: Name, email address, and message when you use our contact form or subscribe to our newsletter.
• Purchase information: Name, email address, and billing details when you purchase a digital product from us. Payment card details are never stored on our servers — they are processed exclusively by Razorpay (see Section 5).
• Comments & feedback: Any information you voluntarily submit through comment sections or feedback forms.

2.2 Information Collected Automatically

• Usage data: Pages visited, time spent, referral URLs, browser type, device type, operating system, and IP address.
• Cookie data: Identifiers placed by Google Analytics, Google AdSense, and other analytics tools (see Section 4).
• Log data: Server logs that record access requests to our website, including timestamps and error codes.

2.3 Information from Third Parties

• We may receive aggregate, anonymised analytics data from Google Analytics about how visitors use our website.
• If you access our site through a social media referral, that platform may share limited data per its own privacy policy.

3. How We Use Your Data

We use the data we collect for the following purposes:

• To provide and improve our service: Publishing, maintaining, and personalising content on the website.
• To process your purchases: Fulfilling digital product orders, sending download links, and managing transaction records.
• To communicate with you: Responding to your enquiries, sending purchase confirmations, and (if opted in) delivering our newsletter.
• To comply with legal obligations: Maintaining records as required under the Income Tax Act, GST laws, and other applicable Indian regulations.
• To display advertisements: Google AdSense uses cookie data to serve relevant advertisements. We do not control which ads are displayed.
• To prevent fraud and abuse: Monitoring for suspicious activity and protecting the security of our website and users.
• To analyse site performance: Understanding how visitors navigate our site so we can improve content and usability.

4. Cookies & Tracking Technologies

Our website uses cookies — small text files placed on your device — to improve user experience and deliver relevant advertisements. Here is what we use:

4.1 Google Analytics

We use Google Analytics to understand how visitors use our site. Google Analytics places cookies that collect anonymised data about page views, session duration, and traffic sources. This data is aggregated and does not identify individual users. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

4.2 Google AdSense

We participate in Google AdSense to display advertisements. Google may use cookies and web beacons to serve ads based on your prior visits to our website and other websites. You can opt out of interest-based advertising by visiting Google Ad Settings or AboutAds.info.

4.3 Functional Cookies

We may use cookies to remember your preferences, maintain session information, and provide a consistent experience across pages.

4.4 Managing Cookies

You can control and delete cookies through your browser settings. Disabling cookies may affect the functionality of some features on our website. For guidance, visit aboutcookies.org.

5. Payment Processing (Razorpay)

5.1 What Razorpay Collects

When you make a payment on FirstBuzz365.com, you will be redirected to or interact with Razorpay's secure checkout. Razorpay may collect your name, email address, phone number, billing address, and payment instrument details (card number, UPI ID, net banking credentials, or wallet details) directly through their payment interface.

5.2 Card Data — We Do Not Store It

We do not store your credit card, debit card, or bank account details on our servers. All payment card data is collected and processed exclusively by Razorpay. Razorpay does not store raw card data on their servers; instead, card data is encrypted and tokenised in compliance with the RBI's Card-on-File Tokenization guidelines and PCI DSS v4.0.1.

5.3 Transaction Data

Your purchase transaction data is used only for as long as necessary to complete your transaction, issue your digital download, process refunds if applicable, and maintain records required under Indian tax law (GST and Income Tax). Transaction data is stored on servers located within India in accordance with the RBI's data localisation requirements.

5.4 Razorpay's Privacy Policy

For full details on how Razorpay handles your data, please review Razorpay's Privacy Policy. Razorpay's payment gateway adheres to the standards set by PCI-DSS as managed by the PCI Security Standards Council — a joint effort of Visa, MasterCard, American Express, and Discover.

5.5 UPI & Other Payment Methods

If you pay via UPI, net banking, or wallets through Razorpay's checkout, those transactions are governed by the relevant payment network's terms and Razorpay's terms of service in addition to this policy.

6. Third-Party Services

Our website integrates with several third-party services. Each operates under its own privacy policy:

• Google Analytics — Website analytics. Google Privacy Policy
• Google AdSense — Advertisement delivery. Google Privacy Policy
• Razorpay — Payment processing. Razorpay Privacy Policy
• Mailchimp / Email service provider — Newsletter delivery (only if you have subscribed). Mailchimp Privacy Policy
• Amazon Associates & other affiliate networks — When you click an affiliate link, the merchant's own cookies may be placed. We do not receive your personal data from these interactions — only aggregate commission reports.

We are not responsible for the privacy practices of these third-party services. We encourage you to review their respective privacy policies before engaging with them.

7. Data Sharing & Disclosure

We do not sell, rent, or trade your personal information. We share your data only in the following limited circumstances:

• Payment processing: Sharing necessary transaction data with Razorpay to complete your purchase.
• Legal compliance: Disclosing data when required by Indian law, court orders, or regulatory authorities (e.g., the RBI, SEBI, or Income Tax Department).
• Fraud prevention: Sharing data with law enforcement or fraud prevention services where we reasonably believe it is necessary to protect our rights or prevent harm.
• Business transfer: In the event of a merger, acquisition, or sale of our business assets, your data may be transferred to the acquiring entity, subject to the same privacy protections described in this policy.
• With your explicit consent: For any purpose you have specifically authorised.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy:

• Newsletter subscribers: Until you unsubscribe. You can unsubscribe at any time using the link in any email we send you.
• Purchase records: Seven (7) years, as required under Indian tax law (GST Act and Income Tax Act).
• Contact enquiries: Twelve (12) months from the date of your enquiry, or longer if we are handling an ongoing dispute.
• Analytics data: Anonymised and aggregated — retained indefinitely in aggregate form with no individual identifiers.
• Website log files: Up to ninety (90) days for security and diagnostic purposes.

When retention periods expire, data is securely deleted or permanently anonymised.

9. Your Rights

Under India's Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable consumer protection laws, you have the following rights regarding your personal data:

• Right to access: Request a copy of the personal data we hold about you.
• Right to correction: Request correction of inaccurate or incomplete data.
• Right to erasure: Request deletion of your personal data, subject to legal retention obligations.
• Right to withdraw consent: Withdraw consent for data processing at any time (e.g., unsubscribe from our newsletter).
• Right to grievance redressal: Lodge a complaint with our Grievance Officer (see our Grievance Redressal page).

To exercise any of these rights, email us at support@firstbuzz365.com with "Data Privacy Request" in the subject line. We will respond within 30 days.

10. Children's Privacy

FirstBuzz365.com is not directed at children under the age of 18. We do not knowingly collect personal data from anyone under 18 years of age. If you believe a minor has provided us with personal data, please contact us immediately at support@firstbuzz365.com and we will delete that data promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will update the "Last Reviewed" date at the top of this page and, where required, notify registered users by email.

We encourage you to review this page periodically. Continued use of FirstBuzz365.com following any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact:

FirstBuzz365 — Privacy Enquiries
Email: support@firstbuzz365.com
Website: www.firstbuzz365.com/contact/
Address: Hyderabad, Telangana – 500001, India
Response time: Within 48 business hours for general queries; within 30 days for formal data requests.

For complaints about our grievance handling, please visit our dedicated Grievance Redressal page.