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Privacy Policy

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Last Updated: April 21, 2025

Welcome to Risk Inn! This Privacy Policy explains how Risk Inn Pvt. Ltd. ("Risk Inn," "we," "us," or "our") collects, uses, shares, and protects your personal information when you use our website (riskinn.com), platform, FRM/SCR/RAI courses and test series, mentorship programs, career preparation services, talent placement services, community forums, and related offerings (collectively, the "Services"). We are committed to protecting your privacy and ensuring transparency in our data practices.

1. Information We Collect

We collect information you provide directly to us and information automatically collected through your use of our Services. This may include:

  • Personal Identification Information: Name, email address, phone number, location (city/country), professional credentials (e.g., FRM/SCR/RAI status, educational background, if provided), current company/job title (if provided).
  • Account Data: Username, password (hashed), profile picture, account preferences, communication preferences.
  • Educational & Career Data: Course enrollment details, progress tracking, performance in quizzes, assignments, and timed test series results. For mentorship, this may include notes or goals agreed upon during sessions. If using career/placement services, this includes resume/CV details, stated career goals, and interests.
  • Payment Information: When you purchase Services, transaction details are collected by our third-party payment processors (e.g., Stripe, Razorpay). We receive confirmation of payment but do not store your full credit card or bank account numbers.
  • Communications & Community Data: Information exchanged during support requests, interactions with mentors/instructors via the platform, messages or posts in community forums (e.g., WhatsApp/Telegram groups linked via the platform, or internal forums).
  • Technical & Usage Data: IP address, browser type/version, device information (type, OS), pages visited on our site, time spent on pages, clicks, feature usage, interaction data, cookies, and similar tracking technologies (please refer to our Cookie Policy).

2. How We Use Your Information

We use the information we collect for various purposes essential to providing and improving our Services:

  • To provide, operate, maintain, and improve our Services, including course delivery, test series administration, mentorship matching, platform functionality, and community facilitation.
  • To process your registration, enrollment, and payments securely.
  • To personalize your learning experience, track your progress, provide performance feedback, and recommend relevant courses, test series, mentors, or career resources.
  • To communicate effectively with you regarding your account, course updates, support inquiries, service announcements, and policy changes.
  • To facilitate mentorship sessions and career preparation services based on the information you provide.
  • *With your explicit prior consent*, to share relevant profile information (like qualifications, resume) with potential employers for our talent placement services.
  • To analyze usage trends and user behaviour (often using aggregated or anonymized data) to understand service effectiveness, identify areas for improvement, and inform development.
  • To maintain the security and integrity of our platform, prevent fraud, troubleshoot issues, and enforce our Terms of Service.
  • To comply with applicable legal obligations, regulations, or valid legal processes in India and other relevant jurisdictions.
  • For marketing and promotional communications about Risk Inn's offerings (*only with your consent where required by law, and always providing clear opt-out mechanisms*).

3. How We Share Your Information

We respect your privacy and do not sell your personal information. We share your information only in limited circumstances necessary to provide our Services:

  • Service Providers: With trusted third-party vendors who perform essential services on our behalf. This includes cloud hosting providers (e.g., AWS, Google Cloud), payment processors (e.g., Stripe, Razorpay), analytics providers (e.g., Google Analytics), email delivery services (e.g., SendGrid), customer support platforms, and communication tools. These providers are contractually obligated to protect your data and only use it for the specific services they provide to us.
  • Mentors/Instructors: Necessary information (such as your name, enrolled course/program, progress relevant to their guidance) is shared with mentors or instructors assigned to support you.
  • Potential Employers (Talent Placement): *Strictly upon receiving your explicit, opt-in consent for each instance or program*, we may share agreed-upon profile information, resume details, and relevant qualifications with companies participating in our talent placement service.
  • Community Forums: Information you voluntarily post in community forums (username, profile picture, messages) will be visible to other participants in those forums.
  • Legal Requirements & Protection: If required by law (e.g., under the laws of India), subpoena, court order, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, property, or safety, or the safety of our users or the public, or to investigate fraud or respond to a government request.
  • Business Transfers: In the event of a merger, acquisition, financing deal, bankruptcy, or sale of all or a portion of our company assets, your information may be transferred to the successor entity, subject to standard confidentiality agreements and notice as required by law.

4. Data Security

We implement appropriate technical and organizational security measures (such as encryption, access controls, and secure coding practices) designed to protect your personal information against unauthorized access, use, disclosure, alteration, or destruction. However, please be aware that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including providing you with Services, maintaining your active account, complying with our legal obligations (e.g., financial record-keeping), resolving disputes, enforcing our agreements, and supporting platform functionality (like lifetime access to purchased course materials, where applicable). Retention periods vary based on the type of data and legal requirements.

6. Your Rights & Choices

Under applicable data protection laws, including potentially India's Digital Personal Data Protection Act (DPDP Act) 2023 and others like GDPR depending on your location, you may have rights regarding your personal information. These can include:

  • The right to access the personal information we hold about you.
  • The right to request correction of inaccurate or incomplete information.
  • The right to request erasure of your personal information (the "right to be forgotten"), subject to legal and contractual restrictions.
  • The right to object to or request restriction of certain processing activities.
  • The right to data portability (requesting a copy of your data in a machine-readable format).
  • The right to withdraw consent at any time (where our processing is based on your consent), without affecting the lawfulness of processing before withdrawal.
  • The right to lodge a complaint with the relevant data protection authority if you believe your rights have been violated.

You can often access and update your account information directly through your profile settings on the Risk Inn platform. To exercise other rights, or if you have questions about your rights, please contact us using the details provided below.

7. Cookies and Tracking Technologies

We use cookies (small text files stored on your device) and similar tracking technologies (like web beacons or pixels) to operate and enhance our Services, analyze website traffic and usage patterns, remember your preferences, and potentially personalize content or advertising. For detailed information about the types of cookies we use, why we use them, and how you can manage your cookie preferences, please see our separate **[Cookie Policy]**( /cookie-policy ). *[Note: You will need to create this /cookie-policy page]*

8. Children's Privacy

Our Services are intended for professionals and individuals pursuing professional certifications, typically adults. They are not directed at children under the age of 18 (or the applicable age of majority in your jurisdiction). We do not knowingly collect personal information from children without verifiable parental consent. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We will post any changes on this page and update the "Last Updated" date at the top. For significant changes, we may provide more prominent notice (such as through email or a notification on our platform). We encourage you to review this policy regularly to stay informed about how we protect your information.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, our data practices, or your personal information, please contact our designated privacy contact at:

**Disclaimer:** This Privacy Policy template provides a baseline understanding. It is crucial that Risk Inn Pvt. Ltd. consults with qualified legal counsel specializing in data privacy laws (including India's DPDP Act and relevant international regulations like GDPR if applicable) to ensure this policy is fully compliant, accurately reflects all data processing activities, and meets all legal obligations before publication and implementation. This template does not constitute legal advice.