Privacy Policy

Effective Date: SEPTEMBER 09,2024

1. Introduction

Welcome to WISHH ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website WISHH.IN AND ALL ITS SUBDOMAINS and use our FIRE (Financial Independence, Retire Early) calculator platform. This policy is specifically tailored for Indian users and complies with the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

2. Information We Collect

2.1 Personal Information

When you use our platform, we may collect personal information that you provide directly, including but not limited to:

Name
Email address
Phone number
Financial data (e.g., income, expenses, savings, investments)
Age and other demographic information
Aadhaar number (with your explicit consent, for verification purposes only)
PAN (Permanent Account Number)

2.2 Sensitive Personal Data or Information (SPDI)

We may collect sensitive personal data or information (SPDI) such as:

Passwords
Financial information (e.g., bank account details, credit/debit card information)
Biometric information (with your explicit consent)

2.3 Usage Data

We may collect information about your interactions with our platform, such as:

IP address
Browser type
Device information
Pages visited
Time spent on our platform
Referring website

2.4 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your user experience. These technologies help us remember your preferences and track your interactions with our platform. You can control cookies through your browser settings.

3. How We Use Your Information

We use the collected information for the following purposes:

To provide, operate, and maintain our FIRE calculator platform.
To process and analyze your financial data to offer personalized insights and recommendations.
To improve our platform and develop new features based on user feedback and usage patterns.
To communicate with you, including sending updates, newsletters, and promotional materials.
To ensure the security and integrity of our platform.
To comply with legal obligations and resolve any disputes.

4. How We Share Your Information

We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers: We may share your information with third-party service providers who assist us in operating our platform, such as payment processors and data storage services. These providers are obligated to protect your information and use it only for the purposes for which it was shared.
Legal Requirements: We may disclose your information if required by law, such as in response to a subpoena, court order, or legal process. We may also share your information with law enforcement agencies, regulatory bodies, or other government authorities as required by applicable Indian laws.
Business Transfers: In the event of a merger, acquisition, or other business transaction, we may transfer your information to the acquiring entity. We will notify you of any such change in ownership or control of your personal information.

5. Data Security

We implement industry-standard security measures, including reasonable security practices and procedures as required under Indian law, to protect your personal information from unauthorized access, use, or disclosure. Despite these efforts, no method of transmission over the internet or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

6. Your Choices and Rights

Access and Correction: You have the right to access and update your personal information. You can do so by contacting us at DHRUV@ICEBERGTRIBE.COM.
Opt-Out: You can opt-out of receiving promotional communications from us by following the unsubscribe instructions in those communications or contacting us directly.
Data Deletion: You may request the deletion of your personal information by contacting us. We will comply with such requests, subject to legal and contractual obligations.
Grievance Officer: In accordance with Indian law, we have appointed a Grievance Officer to address any concerns or complaints regarding the processing of your personal information. You can contact our Grievance Officer at DHRUV@ICEBERGTRIBE.COM.

7. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

Our platform is not intended for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

9. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

ICEBERG TRIBE LLP THANE MAHARASHTRA

Our Grievance Officer can be contacted at:

DHRUV ARORA DHRUV@ICEBERGTRIBE.COM

12. Consent

By using our platform, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our platform.

13. Language

This Privacy Policy is provided in English. If any translation is provided, the English version shall prevail in case of any dispute or misunderstanding.

14. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts in MUMBAI.