Privacy Policy - Anushikha | Voice of Vision and Imagination
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    Disclaimer

    • These courses are created solely based on Anushikha’s personal skill set and knowledge.
    • No intellectual property, confidential data, or proprietary tools from any current or past employer (including BNY) have been used.
    • These courses are not certified, endorsed, or affiliated with any employer (current or former).
    • All content was developed independently using her personal devices, tools, and data sets.

    Introduction

    Welcome to our global course platform. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we collect from you, how we use and share it, and your rights regarding that information. By using this website or purchasing our courses, you agree to the practices described in this Privacy Policy.
    For the purpose of this policy, “we,” “us,” or “our” refers to Anushikha Dwivedi, the individual owner and operator of this course website. If you do not agree with our policies, please do not use the site or provide any personal information.

    Information We Collect

    We collect several types of information to provide and improve our services:

    • Personal Information: When you interact with our site (such as registering an account, purchasing a course, or subscribing to updates), we may collect personal identifiers like your name, email address, contact number, and other details you voluntarily provide. This information is typically collected when you fill out forms or sign up on our website.
    • Payment Information: Payments are processed through third-party providers (PhonePe, Google Pay, PayPal). We do not directly collect or store your credit card, bank, or UPI details – those are handled securely by the payment processors​. We may receive basic transaction information from these providers (such as your name, email, and payment confirmation) to record your purchase.
    • Usage Data:We automatically collect certain data about your device and how you use our site. This includes your IP address, browser type, device information, pages visited, date/time of visits, and browsing actions on our site. We gather this through cookies and similar tracking technologies to understand user behavior.
    • Communications: If you contact us via email, contact form, or other means, we will collect the information you provide in those communications (such as your email address and the content of your message) in order to respond to you and keep records of support or inquiries.

    How We Use Your Information

    We use the collected information for the following purposes:

    • To Provide Our Services: We use personal and account information to create your user account, enroll you in courses, process transactions, and deliver the course content you have purchased. This includes sending you course access details, invoices/receipts, and customer support responses as needed.
    • To Process Payments: We use your payment-related information to confirm and complete transactions via our payment providers. (Note: As mentioned, payment details are handled by PhonePe/Google Pay/PayPal – we use the information only to verify that payment was successful and to maintain transaction records.)
    • To Communicate with You: We may use your contact information (email or phone) to send important notices and updates regarding your account or purchases, such as confirmations, course updates, technical announcements, security alerts, or changes to our terms and policies. We may also send newsletters or promotional emails about new courses or offers if you have consented to receive such marketing communications. You can opt-out of marketing emails at any time by using the unsubscribe link provided in those emails.
    • To Improve Our Offerings: We analyze usage data and feedback to understand how users interact with our website and courses. Specifically, we will retain and evaluate information on your recent visits and how you navigate different sections of the site for analytics purposes, so that we can understand user preferences and make our content more intuitive and useful​. This helps us perform research and improve our course offerings, curriculum, website functionality, and overall user experience.
    • To Ensure Quality and Security:Information (like usage logs and user feedback) may be used to monitor and maintain the quality of our services, diagnose technical issues, and secure the website against fraud or abuse.
    • Legal Compliance: We may process and retain personal information as needed to comply with legal obligations – for example, maintaining records for tax filings, honoring opt-out or data deletion requests, and fulfilling duties under consumer protection or data privacy laws.

    Legal Basis (for EU/UK users): If you are in the European Economic Area (EEA) or a jurisdiction with similar data protection laws, we only process your personal data when we have a lawful basis to do so. The lawful bases we rely on include: Contract – we process data to fulfill our contract with you (e.g. to provide the course you purchased); Legitimate Interests – we may process data to improve our services or secure our platform, in a way that does not override your privacy rights (we carefully consider and balance any potential impact on you)​; Consent – for optional uses like sending marketing emails, we will only do so with your consent (and you can withdraw that consent at any time); and Legal Obligation – when processing is necessary for us to comply with laws or regulations. We will clearly inform you when we are collecting any data on the basis of consent and how to revoke consent.

    Cookies and Tracking Technologies

    Like most websites, we use cookies and similar tracking technologies to enhance your experience and analyze how our site is used. A cookie is a small text file placed on your device when you visit a website. We use cookies to remember your preferences (e.g. keeping you logged in, or remembering your language settings), to analyze traffic, and to personalize content when appropriate​. For example, cookies allow us to see which pages or course materials are most popular and to understand aggregate user behavior on the site.
    You have control over cookies. Most web browsers allow you to refuse or delete cookies via settings. You can adjust your browser settings to disable cookies if you prefer; however, please note that some parts of our site may not function properly if cookies are disabled​ (for instance, you might not be able to stay logged in or some features might be less tailored to you).
    We may use third-party analytics services (such as Google Analytics) that use their own cookies or identifiers to collect usage data. These analytics services help us understand site traffic and interactions. We only use such services in accordance with applicable data protection requirements, and we do not allow third-party analytics providers to use personally identifying information for their own purposes. You can typically opt-out of Google Analytics by installing a browser add-on provided by Google or using other available tools for opting out of data collection..

    Data Sharing and Disclosure

    We treat your personal information with care and confidentiality. We do not sell or rent your personal data to third parties for their own marketing purposes​. However, we may share certain information in the following circumstances, to run our business and comply with the law:

    • Service Providers: We use trusted third-party service providers to perform functions and provide services for us (such as payment processing, web hosting, email delivery, or analytics). These parties only receive the information necessary to perform their specific services, and we contractually require them to protect your data and use it only for the purposes we specify. For example, our payment processors (PhonePe, Google Pay, PayPal) will receive your payment details to process transactions, and an email service might process your email address to send you transactional emails.
    • Legal Requirements and Safety: We may disclose personal information if we are required to do so by law or legal process (for example, in response to a court order, subpoena, or government request), or if we believe in good faith that such disclosure is necessary to (a) comply with a legal obligation, (b) protect and defend our rights or property, (c) prevent fraud, investigate security issues, or otherwise protect users, or (d) protect personal safety of our users or others.
    • Business Transfers: As a personal venture, we do not anticipate major business transactions. However, if in the future Anushikha Dwivedi transfers ownership or control of the website or a substantial portion of its assets (for example, through a merger, acquisition, or sale of assets), your personal information may be part of that transfer. If such a transfer occurs, we will ensure that the new owner continues to honor your rights and the commitments in this Privacy Policy, or we will notify you and give you an opportunity to delete your data before transfer if required by applicable law.
    • With Your Consent: In cases where you have given explicit consent for us to share your information with third parties (for example, if you opt in to a co-sponsored event or integrate our course with a third-party platform at your request), we will share your information only as you have permitted.

    Again, we do not share personal information with third parties for their own independent marketing or purposes without your consent. Any third parties who process data on our behalf are bound to strict confidentiality and data protection obligations.

    Data Retention

    We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by law, whichever is longer​. This means:

    • For active customers with an account, we will keep your account information on file while your account is active, so that you can continue to access your courses and we can provide you services. If you choose to delete your account or if it has been inactive for a long period, we will delete or anonymize your personal data upon your request, unless we are required to keep it longer (e.g., for legal compliance).
    • Transaction records and correspondence may be retained as needed for accounting, auditing, and legal compliance (for example, records of purchases may be kept for several years to comply with tax and financial regulations).
    • We periodically review the data we hold and delete or anonymize personal information that is no longer needed for any business or legal purpose. When we delete personal data, we ensure it is removed from our active databases, though it may persist in secure backups for a short period until those backups cycle out.

    Your Rights

    We respect your rights to your personal data. Depending on your location and applicable data protection laws, you may have some or all of the following rights regarding the personal information we hold about you:

    • Right to Access: You have the right to request a copy of the personal data we hold about you, and to obtain information about how we process it. We will provide you with a copy of your data in a commonly used electronic format, unless doing so affects the rights of others.
    • Right to Rectification: If any of your personal information is inaccurate or incomplete, you have the right to request that we correct or update it. We encourage you to keep your account information up-to-date, and you can also contact us to have any errors fixed​.
    • Right to Erasure: You have the right to request deletion of your personal data (“right to be forgotten”) in certain circumstances – for example, if the data is no longer needed for the purposes it was collected, or if you withdraw consent and we have no other legal basis to keep it. We will honor valid deletion requests and erase your data, provided we do not have a legal obligation to retain it.
    • Right to Restrict Processing: You have the right to ask us to limit or suspend the processing of your personal data in certain situations. For instance, if you contest the accuracy of your data or have objected to our processing (see below), you can request restriction until the issue is resolved. This means we would store your data but not use it further until the restriction is lifted.
    • Right to Object: You have the right to object to our processing of your personal information in certain cases. Specifically, if we are processing your data based on legitimate interests, you can object if you feel it impacts your rights and freedoms. You also have the absolute right to object to your data being used for direct marketing purposes, and if you do so, we will stop using your data for that purpose.
    • Right to Data Portability: You have the right to request that we transfer the personal data you have provided to us to another organization or directly to you, in a structured, commonly used, machine-readable format, where technically feasible. This right applies when the data is processed by us by automated means and based on your consent or on a contract (such as information you provided for purchasing a course)​
    • Right to Withdraw Consent: If we are processing any of your personal information based on your consent, you have the right to withdraw that consent at any time​. For example, if you signed up for an email newsletter and no longer wish to receive it, you can unsubscribe or contact us to remove you from the mailing list. Withdrawing consent will not affect the lawfulness of processing based on consent before its withdrawal.
    • Right to Lodge a Complaint: If you believe that we have infringed your privacy rights or violated data protection laws, you have the right to lodge a complaint with a supervisory authority​. If you are in the EU, this would be your national data protection authority; if you are in the UK, the Information Commissioner’s Office (ICO); in Canada, the Office of the Privacy Commissioner; etc. We would, however, appreciate the chance to address your concerns directly before you do this – so please feel free to contact us with any complaint, and we will try our best to resolve it.
    • Right to Lodge a Complaint: If you believe that we have infringed your privacy rights or violated data protection laws, you have the right to lodge a complaint with a supervisory authority​. If you are in the EU, this would be your national data protection authority; if you are in the UK, the Information Commissioner’s Office (ICO); in Canada, the Office of the Privacy Commissioner; etc. We would, however, appreciate the chance to address your concerns directly before you do this – so please feel free to contact us with any complaint, and we will try our best to resolve it.

    To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy. We may need to verify your identity before fulfilling certain requests (to ensure we don’t provide your data to someone else). We will respond to your request within a reasonable timeframe and, in any case, within the time limits required by law (generally within one month for GDPR-related requests)​. There is no fee for making such requests in most cases. However, if a request is unfounded or excessive (for example, repetitive requests), we may charge a reasonable fee or refuse to act on it, as permitted by law. California Privacy Rights: If you are a resident of California, you are entitled to additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).
    These rights include the right to know what personal information we have collected about you, the right to request deletion of your personal information, the right to opt out of the sale of your personal information, and the right to not be discriminated against for exercising your privacy rights​.
    In compliance with CCPA, this Privacy Policy discloses the categories of personal information we collect and the purposes for which we use them. We do not sell personal information as defined under CCPA (and we will not do so without obtaining your consent, in the event our practices change).
    If you are a California consumer and you send us a verifiable request to exercise your rights to know or delete, we will process your request in accordance with California law. We will also honor any global privacy control signals or “Do Not Sell” preferences from your browser if applicable, even though we do not sell data. Additionally, under CPRA, California residents have the right to correct inaccurate personal information and to limit the use or disclosure of sensitive personal information.
    While our business does not collect sensitive personal data like social security numbers or financial account information beyond processing payments, we will respect any applicable rights.
    We will not deny services, charge different prices, or provide a different level of quality just because you exercise any of your California privacy rights (unless permitted by CCPA/CPRA, for example, certain financial incentive programs which are not applicable in our case) – in short, no discrimination for exercising your rights. California residents may contact us as described below to submit a request, or have an authorized agent do so on their behalf, and we will verify and respond according to the law.

    International Data Transfers

    Our website is operated from [to be updated: likely the country of operation] (for example, if we operate from India, that is our primary location). However, we welcome users from around the world. If you are accessing the site from outside of our operational country, be aware that your personal information may be transferred to and stored on servers in a country different from your own (such as in the country of the site owner, or wherever our web hosting servers are located).
    We understand that different countries have different data protection laws. When we transfer personal data internationally, we take steps to ensure appropriate safeguards are in place to protect your information​. For example, for users located in the European Union or UK, if your data is transferred out of the EU/EEA, we will implement measures such as Standard Contractual Clauses (SCCs) approved by the European Commission, or rely on another valid transfer mechanism, to ensure your data remains protected according to EU standards. We also ensure that our third-party service providers handling personal data are subject to privacy commitments that align with this Privacy Policy and applicable law.
    By using our services and providing your information, you acknowledge the transfer of your personal data across international borders as described in this policy. If required by law, we will obtain your consent for such international transfers.

    Data Security

    We employ reasonable and appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
    These measures include technical, administrative, and physical safeguards. For instance, we use secure servers, encryption protocols (such as HTTPS for data transmission), and access controls to safeguard your data​. We also limit access to personal information to those persons (such as the owner and any authorized personnel or service providers) who have a legitimate need to know in order to perform their duties.
    Despite our efforts to protect your information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security of your information. While we strive to use commercially acceptable means to protect your personal data, you should also take steps to secure your accounts (such as choosing a strong password and keeping it confidential). In the event of a data breach that affects your personal information, we will notify you and the relevant authorities as required by applicable law.

    Children’s Privacy

    Our courses and website are not intended for children under 13 years of age, and we do not knowingly solicit or collect personal information from anyone under 13​. If you are under 13, please do not use this website or provide any information about yourself (such as your name, email, or phone number). If we learn that we have inadvertently collected personal information from a child under 13 without verifiable parental consent, we will take prompt steps to delete that information from our records​.
    For users in the European Union or other regions with a higher age of consent for data collection (e.g. 16 years under the GDPR in some countries), we do not knowingly collect data from individuals under that age either, without appropriate authorization. If you are a parent or guardian and you believe that your child under the relevant age has provided us with personal information, please contact us immediately so that we can investigate and delete the data if needed​.

    Changes to This Privacy Policy

    We may update or revise this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make material changes, we will post the updated policy on this page and update the “Last Updated” date at the top or bottom of this policy. In some cases, if changes are significant, we may notify you by email or by a notice on our website. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
    Your continued use of the website or our services after any changes to this Privacy Policy have been posted will signify your acceptance of those changes​. If you do not agree with any updates or modifications, you should stop using the site and can contact us to remove your information.

    Contact Us

    If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal data, please contact us at [contact email address].

    (This contact information will be updated with the official contact details once available.) We will be happy to assist you and address any issues. You may also reach out to us through any contact form on our website or by other communication means provided on the site.