Terms and Conditions | Shakti

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TERMS & CONDITIONS

1. INTRODUCTION1.1 These Terms and Conditions (“Terms”) along with our privacy notice, available at mallekagupta.com (the“Website”) set out the basis on which we provide access to our Website and the provision of any services or products to you through our Website and/or our associated social media channels or groups. When you access, visit or use our Website or purchase any of our services or products, as defined below, you agree to be bound by them. If you do not intend to be bound by them then you should not visit our Website or purchase any of our services or products.1.2 If you purchase a particular programme or other service or product then you may be asked to agree to separate Terms and Conditions which are specific to that programme, product or service. Should a dispute or conflict arise then any separate terms that are agreed will take priority over these Terms. 2. OUR SERVICES AND PRODUCTS2.1 We provide online and live events, courses, coaching and training for individuals and SME’s (“the Services”) Further details of our Services and Products can be found on our Website. 3. YOUR PURCHASE OF OUR SERVICES OR PRODUCTS3.1. When you place an order to purchase any of our Services or Products (“Order”), you are confirming that you are over 18, that you are legally capable of entering into a legally binding contract and that all information you provide to us is true and accurate.3.2. Your purchase of any Service or Product is a contractual offer that we may choose to accept. Our legally binding agreement begins when we confirm acceptance of your Order by sending our confirmation email.3.3. If your Order is not accepted, we will notify you by email and provide a full refund.3.4. Details of our Services and Products can be found on our Website. The Service or Product you purchase shall be delivered in accordance with the details displayed on the relevant sales page at the time your purchase is made.3.5. If your purchase includes digital content or other content available for immediate access or download, then when you place your Order you acknowledge that by receiving immediate access that you will lose any right you may have to cancel your Order other than as set out within these Terms. Please see our refund policy, below, for further details.3.6. If we become aware that a Service or Product on our Website is incorrectly priced, where the correct price is lower than the price shown on our Website, we shall charge the lower amount. Where the item’s correct price is higher than the price shown on the Website, we shall contact you to ask whether you wish to proceed with your purchase at the correct, higher price, or we shall reject your Order and notify you that your Order has been rejected.3.7. Where a pricing error exists and that error is obvious, unmistakable and could have been reasonably recognised by you then we shall have no liability or obligation to provide the Service or Product to you at the lower, incorrect price.3.8. Where we offer a discount or other promotional offer or code then these will be subject to individual terms and conditions. 4. THAT YOU AGREE WHEN YOU PURCHASE ANY OF OUR SERVICES4.1. You agree to keep your access to any Services private and not to share, disclose, assign, sell or licence any part.4.2. During your access to our Services, you may choose to review and make decisions concerning your personal and home life, business and career, finances, lifestyle, education and development or health and wellness. You accept that any such reviews, subsequent decisions, implementation and action will be your sole responsibility and that we shall not be liable for your failure to make decisions, put into action plans or strategy, or for any results whether direct or indirect arising out of your access to and/or use of any Services purchased.4.3. You acknowledge and accept that our Services are designed to provide you with information, materials and support to assist you in developing yourself and your business and that they are not a substitute for counselling or other therapy services. If you are currently seeking medical or other professional help concerning your mental health, or if you are in any way unsure as to your mental capacity to use the Services then you agree to seek advice from a relevant medical professional and inform us if appropriate and relevant. 5. ACCESS TO SESSIONS5.1. If the Service you purchase include group calls, meetings or one-to-one sessions ( together the “Sessions”), we will deliver the Sessions by way of online meeting facility or telephone and we will confirm the date and time by email or by posting in the relevant Facebook or similar online group (if applicable).5.2. You will be responsible for attending any Session included with the Service that you purchase. We regret that no alternative or replacement dates or times will be offered for any group Sessions if you are unable to attend a Session for whatever reason.5.3. If you need to cancel and reschedule a one-to-one Session, you agree to provide at least 72 hours’ notice, otherwise you will forfeit the right to that Session. Any rescheduled Sessions must take place within the same calendar month otherwise you will forfeit the right to that Session. Sessions will not be carried over to subsequent months.5.4. If we are waiting for you to attend a Session for more than 15 minutes, we reserve the right to treat you as a no show and you will forfeit your right to that Session. 6. YOUR RESPONSIBILITY TO OTHERS6.1 To ensure everyone accessing our Services, Website and any of our public or private online groups or forums(“Groups”) feels safe and comfortable, we ask you to agree to conduct yourself in a reasonable and responsible manner at all times when accessing any of our Groups, Website or Services and not to act in a manner which may cause offence, distress or alarm to others.6.2 When you access any of our Groups, our Website or our Services, you agree:6.2.1 NOT to use your access for any unlawful purpose;6.2.2 NOT to record any part for your personal use or otherwise;6.2.3 NOT to capture or share images of any other person or that include any other person without that person’s express permission;6.2.4 NOT to upload, post, transmit or otherwise make available content that:is by its nature defamatory, libelous, obscene, demeaning or which causes offence to another individual whether intended or not;discloses personal and/or confidential or sensitive information about another person;is threatening or causes another individual to feel harassed or in fear; and/oris classed as spam.6.3. In the event you are deemed by us to have acted or be acting in a way which is disruptive, or which causes offence, distress or alarm, to another person, then you will be excluded from the Group or Service. Following such removal and exclusion, we shall arrange a meeting with you to discuss the matter and to determine whether you will be removed and/or excluded permanently. Such decision to be at our absolute discretion.6.4. If you become aware of any inappropriate behaviour, comments, or content being shown or displayed within any of our Groups, on our Website, or during the delivery of any of our Services you agree to notify us as soon as possible. 7. PAYMENT AND CHARGES7.1. The purchase price for your chosen Service or Product is as set out on the relevant sales page at the time of your purchase (“the Fee”).7.2. Time for payment of the Fee shall be of the essence and shall be made without deduction, set off, or any form of withholding except as is required by law and we must receive cleared payment before you are entitled to access any Service or Product.7.3. If you choose to pay the Fee by credit or debit card then you authorise us to charge your payment method. If it is rejected, or fails, but you have still received access to a Service or Product, you agree to provide full payment of the Fee within 7 days from access being provided.7.4. If we agree to accept payment of the Fee by instalments, then you agree to:7.4.1. set up a direct debit or similar payment process to cover your instalment payments; and7.4.2. provide payment of the instalments as and when they fall due in accordance with the instalment plan agreed at the time of purchase.You accept and understand that you will remain responsible for providing the instalment payments until the Fee has been paid in full.7.5. The Fee is based upon our knowledge and experience and the time, effort and availability of the Service and is not based on your actual usage and/or level of attendance. You agree and acknowledge:7.5.1. That you shall not be entitled to any form of credit to or deduction from the Fee for any non-attendance of lack of usage of the Services on your part; and7.5.2. That the Fee is non-refundable, unless separate terms apply please see our refund policy.7.6. We reserve the right to change our Fee at any time. Any changes will not affect the price of Services or Products where payment has already been made and a confirmation email sent.7.7. If you purchase Services on a monthly subscription basis then you will be liable to make payment every month until you cancel your subscription in accordance with these Terms. You authorise us to request payment of the monthly amount from your chosen payment method on a rolling monthly basis.7.8. You may cancel your monthly membership at any time by emailing our support team at guptamalleka@gmail.com giving 7 DAYS NOTICE to cancel your account.For 6 or 12-month upfront subscription payments, you may cancel your membership at any time, meaning it will not renew after the initial 6 or 12 months. After the initial 6 or 12-month period your membership will move to rolling monthly payments and you can cancel this at any time giving 7 days’ notice. We do not offer refunds on membership subscriptions. 8. LATE PAYMENT8.1. Without prejudice to any other right or remedy that we may be entitled to, where payment of the Fee is beyond 7 days overdue then:8.1.1. we will be entitled to withhold delivery of Services until payment is up to date; and8.1.2. we will add interest to your account on a daily basis from the date payment is due until full payment (includingaccrued interest) is received. Interest will be calculated on the outstanding Fee at a rate of 5% over the Bank of England’s base rate from time to time;8.1.3. any discount or other agreed promotional price change to the Fee will cease to apply and you will be responsible for payment of the full Fee amount.8.2. If your payment is beyond 30 days overdue, we shall be entitled to instruct a collection or legal agent to seek recovery of the outstanding amount along with our reasonable costs incurred in taking such action. 9. REFUND POLICY9.1. No refund policy shall apply to your purchase of any of our Services or Products, including any deposit payment, save where a fault is found to exist or the circumstances in clause 11, below, apply.9.2. In light of our refund policy, no chargeback or threatened chargeback claims from your debit or credit card provider will be accepted by us. If you have any concerns with a Service or Product then you agree to notify us in accordance with these Terms. If you choose to pursue a chargeback claim without first contacting us then you accept that such action shall constitute a breach of these Terms and you shall indemnify us for the repayment of any charges, costs or fees imposed on us by your debit or credit provider or our merchant service provider as a result of your actions, along with our reasonable costs for dealing with the matter calculated at a rate of £100 per hour. 10. CANCELLATION AND TERMINATION10.1. You shall have the right to cancel your access to any Service by providing notice to us by email to guptamalleka@gmail.com. In accordance with Clause 10, despite cancellation, you will not be entitled to a refund.10.2. Upon cancellation or termination pursuant to these Terms, all payments in respect of the Fee shall become immediately due and payable.10.3. We reserve our right to terminate any agreement between us and your access to any Service, with immediate effect, if you:10.3.1. commit a material breach of your obligations under these Terms; or10.3.2. fail to provide payment of any sum due to us as and when it becomes due; or10.3.3. act or behave in a way which we reasonably consider may have a detrimental effect on our business or reputation.10.4. Upon termination for any reason:10.4.1. all terms which either expressly or by their nature relate to the period after the Services have been delivered or terminated shall remain in full force and effect; and10.4.2. you will no longer be entitled to access or use any Groups, Sessions, or Content (as defined below), unless we have expressly agreed in writing. 11. COMPLAINTS OR CONCERNS11.1. If you have any concerns about our Website or our Services or Products, you agree to let us know by email to guptamalleka@gmail.com and give us a reasonable amount of time to investigate and resolve your concerns before you take any further action. For the purposes of this clause further action includes stopping payment or making any chargeback or similar claim. 12. CONFIDENTIALITY12.1. For the purposes of these Terms, Confidential Information shall mean ideas, know-how, business practices (whereapplicable), customer/client details, concepts and techniques, plans, trade secrets, personal information and other confidential and/or proprietary information (“Confidential Information”). It excludes any information that was already known to us before you provided it, or where it was already in the public domain, created by us, or provided to us separately by someone else without any breach of these Terms.12.2. It is important to us to create a safe and secure space for everyone accessing our Website, our Groups and our Services and that is why we agree that when you disclose Confidential Information to us, we will not communicate or disclose it, make it available to others, or use it for our own purposes without your consent.12.3. If we disclose Confidential Information to you, or where it is disclosed by another individual accessing our Website, our Groups or our Services, you agree that the Confidential Information belongs solely and exclusively to the person disclosing it and that you will not share it or use it in any way other than as part of your use of the Services as intended by these Terms.12.4. Where we provide you with Content you agree to only use it in connection with your use of the Website, Group, Service or Product as intended by these Terms and not to copy, disclose, share or otherwise use it for any commercial reasons without our express consent.12.5. Our obligations set out above and in clauses 15 and 16 below, shall not apply where it is necessary for us to disclose in connection with legal proceedings, prospective legal proceedings, to allow us to obtain legal advice, where we have been directed to do so by a court or other body of equivalent jurisdiction or where we reasonably believe you are at risk of danger to yourself or others.12.6. The provisions above shall continue in force notwithstanding termination for any reason. 13. OUR INTELLECTUAL PROPERTY13.1. For the purposes of these Terms, Intellectual property shall mean any copyright, database right, design right, moral right, patent, invention right, registered design, trading name, service mark, domain name, trademark whether registered or unregistered and any application or right relating to any of the above whether current, pending, or in the future and whether in the UK or any other part of the world.13.2.We take the protection of our Intellectual Property Rights in relation to our Website, Content, Services and Products very seriously. When you purchase any Service or Product, we will grant to you a personal, limited, non-transferable, non-exclusive, revocable licence to access, view and use any Content provided as part of the purchase solely for the purposes as intended by these Terms. All other uses are strictly prohibited.13.3. When you purchase a Service or Product you agree and undertake that from the date of purchase that you WILL NOT:13.3.1. copy, reproduce, sell, licence, share or distribute any of our Content, whether during the period of provision of the Services, or at any time thereafter;13.3.2. record any webinars, online or in-person events, videos, Sessions, Groups or any Content;13.3.3. infringe any of our copyrights, patents, trademarks, trade secrets or other Intellectual Property rights or any such rights belonging to another individual accessing the Services.13.4. All content displayed on our Website or within our Groups, which includes, but is not limited to, website design and layout, text, images, logos and graphics, video, data, code, audio, document files, software and any other resources and information (“Materials”) belongs to us and all copyright, moral ownership and any other Intellectual Property rights that arise and/or exist within those Materials (and any and all derivatives of it) is owned exclusively by or licensed to us and is protected by intellectual property laws applicable to the United Kingdom. When you access or use our Website or Groups you agree not to copy, reproduce, amend, repost, share, publish, distribute, rent, sell or store any of our Materials or assist others in carrying out any such activities without our express written permission.13.5. In the event of your breach of these obligations then damages, loss, or irreparable harm may arise and in such circumstances, we shall be entitled to seek relief, including injunctive relief, against you.13.6. The provisions above shall continue in force notwithstanding termination for any reason. 14. REVIEWS AND TESTIMONIALS14.1. If you share testimonials, reviews, comments, information, graphics or images (“Client Content”) with us you are granting to us, free of charge, permission to exhibit, copy, publish, distribute, use on our Website or any of our pages, our social media sites or in our advertising and marketing campaigns or email communications, that Client Content in any way as we reasonably require within our business or to lawfully promote our business. You can amend your consent at any time by emailing us.14.2. When sharing Client Content you confirm that you have the legal right to share it and that it does not infringe any third party’s intellectual property or other rights.14.3. These provisions shall survive termination. 15. NO GUARANTEE15.1. When purchasing the Services you will have access to Content and support designed to benefit you but it is your responsibility to take action and implement the necessary information received and/ or the skills or tools shared. Your success and any results are dependent on factors which are outside of our control and we regret that we are not able to guarantee that any particular results or success will be achieved.15.2. We have made every effort to accurately represent the Services and Products. Any testimonials and/or examples of results experienced are not intended to represent or guarantee that anyone will achieve the same or similar results and we make no guarantee, representation or warranty with respect to the Services or Products we may provide.15.3. All information provided on our Website is provided for general information purposes only. Nothing on our Website constitutes advice and should not be taken or interpreted as such. It is your responsibility to ensure and check that any Content, Services or Products available on or through our Website satisfy your specific expectations or requirements.15.4. We make no warranty, guarantee or representation that the Website or any Content is:15.4.1. accurate, up to date or free from any errors or inaccuracies;15.4.2. accessible and/or compatible with your hardware and software;15.4.3. not capable of infringing any third-party rights; or15.4.4. suitable to meet your required expectations or needs 16. UPDATES OR CHANGES TO OUR SERVICES, PRODUCTS OR TERMS AND CONDITIONS16.1. We reserve to make changes to these Terms at any time and we will display a notice of any changes on our Website. It shall be your responsibility to check for any updates. Your first use of our Website after the date of any alterations or amendments will constitute acceptance of such changes therefore, we recommend you review these Terms regularly to keep informed of any changes.16.2. We reserve the right to make changes to our Services and our Products, in whole or part, as we reasonably require without notice to you. If we make changes after you have purchased a Service, we will ensure that the Service still matches the original description or we will offer a reasonable alternative, except where the change enhances the original description. We shall not be liable for any reasonable changes or cancellations that are made to the Services.

PRIVACY POLICY

1. Introduction
1.1 We are committed to safeguarding the privacy of our website visitors, service users, individual customers and customer personnel.
1.2 This policy applies where we are acting as a data controller with respect to the personal data of such persons; in other words, where we determine the purposes and means of the processing of that personal data.
1.3 We use cookies on our website. Insofar as those cookies are not strictly necessary for the provision of our website and services, we will ask you to consent to our use of cookies when you first visit our website.
1.4 In this policy, "we", "us" and "our" refer to This Curious Life Coaching. For more information about us, see Section 18.

2. The personal data that we collect2.1 In this Section 2 we have set out the general categories of personal data that we process.
2.2 We may process data enabling us to get in touch with you ("contact data"). The contact data may include your name, email address, telephone number, postal address and/or social media account identifiers. The source of the contact data is you.
2.3 We may process your website user account data ("account data"). The account data may include your account identifier, name, email address, business name, account creation and modification dates, website settings and marketing preferences. The primary source of the account data is you and, although some elements of the account data may be generated by our website.
2.4 We may process your information included in your personal profile on our website ("profile data"). The profile data may include your name, address, telephone number, email address, profile pictures, gender, date of birth. The source of the profile data is you.
2.5 We may process your personal data that are provided in the course of the use of our services and generated by our services in the course of such use ("service data"). The source of the service data is you.
2.6 We may process information relating to transactions, including purchases of goods and/or services, that you enter into with us and/or through our website ("transaction data"). The transaction data may include your name, your contact details, your payment card details (or other payment details) and the transaction details. The source of the transaction data is you and/or our payment services provider.
2.7 We may process information contained in or relating to any communication that you send to us or that we send to you ("communication data"). The communication data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms.
2.8 We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system.
2.9 Please do not supply any other person's personal data to us, unless we prompt you to do so.

3. Purposes of processing and legal bases3.1 In this Section 3, we have set out the purposes for which we may process personal data and the legal bases of the processing.
3.2 Operations - We may process your personal data for the purposes of operating our website, the processing and fulfilment of orders, providing our services, supplying our goods, generating invoices, bills and other payment-related documentation, and credit control. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
3.3 Publications - We may process account data, profile data and/or service data for the purposes of publishing such data on our website and elsewhere through our services in accordance with your express instructions. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
3.4 Relationships and communications - We may process contact data, account data, customer relationship data, transaction data and/or communication data for the purposes of managing our relationships, communicating with you (excluding communicating for the purposes of direct marketing) by email, SMS, post and/or telephone, providing support services and compliant handling. The legal basis for this processing is our legitimate interests, namely communications with our website visitors, service users, individual customers and customer personnel, the maintenance of our relationships, enabling the use of our services, and the proper administration of our website, services and business.
3.5 Personalisation - We may process account data, service data and/or usage data for the purposes of personalising the content and advertisements that you see on our website and through our services to ensure that you only see material that is relevant to you. The legal basis for this processing is our legitimate interests, namely offering the best possible experience for our website visitors and service users.
3.6 Direct marketing - We may process contact data, account data, profile data, customer relationship data and/or transaction data for the purposes of creating, targeting and sending direct marketing communications by email, SMS, post and making contact by telephone for marketing-related purposes. The legal basis for this processing is our legitimate interests, namely promoting our business and communicating marketing messages and offers to our website visitors and service users.
3.7 Research and analysis - We may process usage data, service data and/or transaction data for the purposes of researching and analysing the use of our website and services, as well as researching and analysing other interactions with our business. The legal basis for this processing is our legitimate interests, namely monitoring, supporting, improving and securing our website, services and business generally.
3.8 Record keeping - We may process your personal data for the purposes of creating and maintaining our databases, back-up copies of our databases and our business records generally. The legal basis for this processing is our legitimate interests, namely ensuring that we have access to all the information we need to properly and efficiently run our business in accordance with this policy.
3.9 Security - We may process your personal data for the purposes of security and the prevention of fraud and other criminal activity. The legal basis of this processing is our legitimate interests, namely the protection of our website, services and business, and the protection of others.
3.10 Insurance and risk management - We may process your personal data where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks and/or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.
3.11 Legal claims - We may process your personal data where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.
3.12 Legal compliance and vital interests - We may also process your personal data where such processing is necessary for compliance with a legal obligation to which we are subject or in order to protect your vital interests or the vital interests of another natural person.

4. Providing your personal data to others
4.1 We may disclose your personal data to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.
4.2 We may disclose your personal data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice.
4.3 Your personal data will be stored on the servers of our hosting services providers identified at https://www.wix.com/about/privacy.
4.4 Financial transactions relating to our website and services may be handled by our payment services provider. We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds. You can find information about the payment services providers' privacy policies and practices. 4.5 We may disclose contact data along with any other personal data contained in enquiries made through our website or services to one or more of those selected third party suppliers of goods and/or services identified on our website for the purpose of enabling them to contact you so that they can offer, market and sell to you relevant goods and/or services. Each such third party will act as a data controller in relation to the personal data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party's use of your personal data.
4.6 In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise, or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

5. International transfers of your personal data
5.1 In this Section 5, we provide information about the circumstances in which your personal data may be transferred to countries outside the United Kingdom and the European Economic Area (EEA).
5.2 We have offices and facilities in England. The competent data protection authorities have made an "adequacy decision" with respect to the data protection laws of each of these countries. Data transfers will be protected by appropriate safeguards, namely the use of standard data protection clauses adopted or approved by the competent data protection authorities.
5.3 The hosting facilities for our website are situated in Europe and the USA. The competent data protection authorities have made an "adequacy decision" with respect to the data protection laws of each of these countries. Transfers to each of these countries will be protected by appropriate safeguards, namely the use of standard data protection clauses adopted or approved by the competent data protection authorities.
5.4 You acknowledge that personal data that you submit for publication through our website or services may be available, via the internet, around the world. We cannot prevent the use (or misuse) of such personal data by others.

6. Retaining and deleting personal data
6.1 This Section 6 sets out our data retention policies and procedures, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.
6.2 Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
6.3 We will retain your personal data as follows:

(a) contact data will be retained for a minimum period of 6 years following the date of the most recent contact between you and us
(b) account data will be retained for a minimum period of 6 years following the date of closure of the relevant account
(c) customer relationship data will be retained for a minimum period of 6 years following the date of termination of the relevant customer relationship
(d) service data will be retained for a minimum period of 6 years following the date of termination of the relevant contract
(e) transaction data will be retained for a minimum period of 6 years following the date of the transaction
(f) communication data will be retained for a minimum period of 6 years following the date of the communication in question
6.4 In some cases it is not possible for us to specify in advance the periods for which your personal data will be retained. In such cases, we will determine the period of retention based on the following criteria:

(a) the period of retention will be determined based on transaction data.

6.5 If you grant to us a licence to publish any of your personal data, we may continue to retain and publish that personal data after the end of the relevant retention period specified in this Section 6 in accordance with the applicable licence terms, subject to your data subject rights. If we cease to publish such personal data after the end of the relevant retention period specified in this Section 7, that personal data will be retained for minimum period of 6 years.
6.6 Notwithstanding the other provisions of this Section 6, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

7. Security of personal data
7.1 We will take appropriate technical and organisational precautions to secure your personal data and to prevent the loss, misuse or alteration of your personal data.
7.2 We will store your personal data on secure servers, personal computers and mobile devices, and in secure manual record-keeping systems.
7.3 The following personal data will be stored by us in encrypted form: your name, contact information, password(s) and cardholder data.
7.4 Data relating to your enquiries and financial transactions that is sent from your web browser to our web server, or from our web server to your web browser, will be protected using encryption technology.

7.5 You acknowledge that the transmission of unencrypted (or inadequately encrypted) data over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

7.6 You should ensure that your password is not susceptible to being guessed, whether by a person or a computer program. You are responsible for keeping the password you use for accessing our website confidential and we will not ask you for your password (except when you log in to our website).

8. Your rights
8.1 In this Section 8, we have listed the rights that you have under data protection law.

8.2 Your principal rights under data protection law are:
(a) the right to access - you can ask for copies of your personal data;
(b) the right to rectification - you can ask us to rectify inaccurate personal data and to complete incomplete personal data;
(c) the right to erasure - you can ask us to erase your personal data;
(d) the right to restrict processing - you can ask us to restrict the processing of your personal data;
(e) the right to object to processing - you can object to the processing of your personal data;
(f) the right to data portability - you can ask that we transfer your personal data to another organisation or to you;
(g) the right to complain to a supervisory authority - you can complain about our processing of your personal data; and
(h) the right to withdraw consent - to the extent that the legal basis of our processing of your personal data is consent, you can withdraw that consent.

8.3 These rights are subject to certain limitations and exceptions. You can learn more about the rights of data subjects by visiting https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/.

8.4 You may exercise any of your rights in relation to your personal data by written notice to us, using the contact details set out below.

9. Third party websites
9.1 Our website includes hyperlinks to, and details of, third party websites.

9.2 In general we have no control over, and are not responsible for, the privacy policies and practices of third parties.

10. Personal data of children
10.1 Our website and services are targeted at persons over the age of 18.

10.2 If we have reason to believe that we hold personal data of a person under that age in our databases, we will delete that personal data.

11. Updating information
11.1 Please let us know if the personal information that we hold about you needs to be corrected or updated.

12.1 Insofar as we act as a data processor rather than a data controller, this policy shall not apply. Our legal obligations as a data processor are instead set out in the contract between us and the relevant data controller.

13. About cookies
13.1 A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

13.2 Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

13.3 Cookies may not contain any information that personally identifies a user, but personal data that we store about you may be linked to the information stored in and obtained from cookies.

14. Cookies that we use
14.1 We use cookies for the following purposes:

(a) authentication and status - we use cookies to identify you when you visit our website and as you navigate our website, and to help us determine if you are logged into our website.
(b) personalisation - we use cookies to store information about your preferences and to personalise our website for you.
(c) security - we use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally.
(d) advertising - we use cookies to help us to display advertisements that will be relevant to you.
(e) analysis - we use cookies to help us to analyse the use and performance of our website and services and
(f) cookie consent - we use cookies to store your preferences in relation to the use of cookies more generally

15. Cookies used by our service providers

15.1 Our service providers use cookies and those cookies may be stored on your computer when you visit our website.

15.2 We use Google Analytics. Google Analytics gathers information about the use of our website by means of cookies. The information gathered is used to create reports about the use of our website. You can find out more about Google's use of information by visiting https://www.google.com/policies/privacy/partners/ and you can review Google's privacy policy at https://policies.google.com/privacy

15.3 We use a Facebook pixel on our website. Using the pixel, Facebook collects information about the users and use of our website. The information is used to personalise Facebook advertisements and to analyse the use of our website. To find out more about the Facebook pixel and about Facebook's use of personal data generally, see the Facebook cookie policy at https://www.facebook.com/policies/cookies/ and the Facebook privacy policy at https://www.facebook.com/about/privacy. The Facebook cookie policy includes information about controlling Facebook's use of cookies to show you advertisements. If you are a registered Facebook user, you can adjust how advertisements are targeted by following the instructions at https://www.facebook.com/help/568137493302217.

16. Managing cookies
16.1 Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

(a) https://support.google.com/chrome/answer/95647 (Chrome);
(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
(c) https://help.opera.com/en/latest/security-and-privacy/ (Opera);
(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
(e) https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
(f) https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

16.2 Blocking all cookies will have a negative impact upon the usability of many websites.

16.3 If you block cookies, you may not be able to use all the features on our website.

17. Amendments
17.1 We may update this policy from time to time by publishing a new version on our website.

17.2 You should check this page occasionally to ensure you are happy with any changes to this policy.

17.3 We may notify you of significant changes to this policy by email.

18. Our details
18.1 This website is owned and operated by Malleka Gupta

18.2 You can contact us by email, using guptamalleka@gmail.com

19. Data protection officer
19.1 Our data protection officer's contact details are: guptamalleka@gmail.com

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