SVARN Associates (“us”, “we”, or “our”) operates the examclip.com website (the “Service”). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices and rights you have associated with that data under the Information Technology Act, 2000 and the Digital Personal Data Protection (DPDP) Act, 2023.

We use your data to provide, secure, and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.

1. Information Collection and Use

We collect several different types of information for various purposes to deliver and enhance our educational services.

Types of Data Collected

• Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information, including:
  • Full Name
  • Email address
  • Phone/Mobile number
  • Billing details and postal address
  • Account login credentials
• Educational & Performance Data: As an educational platform, we collect data related to your learning progress, including mock test scores, quiz performance, course completion status, and time spent on specific study materials.
• Usage & Diagnostic Data: Information on how the Service is accessed, including your IP address, browser type/version, pages visited, time/date of access, device identifiers, and operating system.
• Cookies & Tracking Data: We use session, preference, and security cookies to authenticate users, maintain active sessions, and secure our platform.

2. Use of Data

SVARN Associates / examclip.com uses the collected data to:

• Create, maintain, and secure your student account.
• Manage course enrollments, quiz participation, and test assessments.
• Process payments and issue transaction receipts.
• Notify you about service updates, test schedules, or changes to our policies.
• Provide student support and resolve technical or access issues.
• Detect, prevent, and address security incidents or fraudulent activity.

3. Payment Processing & Financial Data

We do not collect, store, or process your credit/debit card numbers, CVV, or UPI PINs on our servers.

All digital transactions are processed securely through our PCI-DSS compliant third-party payment gateway partner, Razorpay. Your financial information is transmitted directly to Razorpay, and its handling is governed by Razorpay’s Privacy Policy.

4. Third-Party Service Providers

We may employ third-party service providers to facilitate our platform operations:

• Analytics: We use Google Analytics to monitor and analyze traffic. Google may use the collected data to contextualize ads within its network. You can opt out using the Google Analytics Opt-Out Browser Add-on.
• Hosting & Communication Infrastructure: To host our LMS and deliver transactional emails and OTPs.

These third parties have access to your Personal Data only to perform specific tasks on our behalf and are legally bound not to disclose or use it for any other purpose.

5. Data Retention

We retain your personal and performance data only for as long as your account remains active or as needed to provide our educational services. In compliance with Indian tax, GST, and statutory accounting requirements, transaction and invoice records will be retained for the period mandated by law even after account closure.

6. User Rights (DPDP Act, 2023)

Under the Digital Personal Data Protection Act, you have the right to:

• Access & Review: Request a summary of the personal data we hold about you.
• Correction & Updating: Request corrections to any outdated or inaccurate information.
• Erasure: Request deletion of your account and personal data, subject to our statutory retention requirements for financial audits.
• Withdraw Consent: Withdraw consent for non-essential communications at any time.

To exercise any of these rights, contact us at support@examclip.com or reach out to our Grievance Officer.

7. Children’s Privacy

Our Service is designed for competitive exam preparation. If you are under the age of 18 (“Children”), you must use this platform under the supervision and with the consent of a parent or legal guardian. If we discover that personal data of a minor has been collected without verifiable parental consent, we will take immediate steps to remove such data.

8. Changes to This Privacy Policy

We may update our Privacy Policy periodically. Any changes will be posted on this page with an updated “Effective Date”. Continued use of the platform after updates indicates acceptance of the revised terms.

9. Grievance Redressal Mechanism

In compliance with the Information Technology Act, 2000, the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the DPDP Act, 2023, the details of our designated Grievance Officer are provided below:

• Name: Atul Lowalekar
• Entity: SVARN Associates (examclip.com)
• Email: support@examclip.com
• Address: D-1, Vidya Vihar, Hoshangabad Road, Bhopal – 462026

We will acknowledge any privacy-related grievances within 24 hours and resolve them within 15 days of receipt.