Privacy Policy (DPDP Act 2023)

Personal Data: Name, email, phone number, address, and financial information provided during onboarding.

Usage Data: IP address, browser type, pages visited, and interactions (for analytics only).

Device Data: Device type, operating system, and unique device identifiers.

We do not use cookies for tracking beyond essential authentication and preferences.

We process your data based on your consent, for contractual purposes, and to comply with legal obligations.

Marketing communications require your explicit consent, which you can withdraw at any time.

Contact data is used solely for case handling and communication.

Harassment evidence is never used for marketing purposes.

Analytics data is anonymized and de-identified.

Leads (unconverted): 24 months, then anonymized.

Case data and documents: 7 years post-settlement.

Harassment logs: Case life plus 7 years.

Audit log: 7 years, append-only.

Sessions and OTPs: 10 minutes to 7 days.

Backups: 14 daily and 6 monthly snapshots.

Access: View all your data through your dashboard.

Correction: Edit your profile data at any time.

Erasure: Request data deletion (subject to legal retention requirements).

Data Export: Request a full archive of your data (JSON + PDF) via your dashboard.

Withdraw Consent: Opt out of marketing communications anytime.

All data is stored on encrypted filesystems within India.

Passwords are hashed with industry-standard algorithms.

OTPs are single-use and hashed.

Session tokens are httpOnly and secure.

We do not transfer your data outside India without your explicit consent.

Our services are not intended for individuals under 18.

We do not knowingly collect data from children.

By using our services, you consent to this Privacy Policy.

Your consent is recorded in our consent ledger with version and timestamp.

Name: [REGISTERED ENTITY - Grievance Officer]

Email: grievance@debtrix.in

Phone: +91-8796995111

Address: [OFFICE ADDRESS]

We will acknowledge your grievance within 24 hours and resolve within 30 days.

We may update this policy. Changes are effective immediately upon posting.

Your continued use indicates acceptance of the updated policy.