Privacy Policy

Last updated: June 2026

1. Introduction

IC-38 Exam Prep ("we", "us", "our") is committed to protecting your personal data in accordance with the Digital Personal Data Protection (DPDP) Act, 2023. This Privacy Policy explains what data we collect, why we collect it, and your rights over your data.

2. Data We Collect

• Name and email address (for account creation)
• Mobile phone number (for OTP-based authentication)
• Practice history and quiz results (to track your progress)
• Device information (for app functionality)
• Payment information processed by Razorpay (we do not store card details)

3. How We Use Your Data

We use your data to:

• Provide personalized practice recommendations
• Track your exam preparation progress
• Send practice reminders (only if you enable notifications)
• Process your premium subscription
• Improve app features and content

4. Data Storage

All your data is stored in India (Mumbai region) using Supabase infrastructure. We do not transfer your data outside India without your explicit consent.

5. Your Rights (DPDP Act 2023)

You have the right to:

• Access your personal data
• Correct inaccurate data
• Erase your data (right to erasure)
• Export a copy of your data
• Withdraw consent at any time
• Nominate a person to exercise rights on your behalf

6. Content Accuracy Disclaimer

The questions, answers, and explanations in this app are prepared for educational purposes based on IC-38 syllabus materials available at the time of content creation. Insurance regulations and exam syllabi are subject to periodic revision by IRDAI and the Insurance Institute of India. We make reasonable efforts to keep content updated; however, we cannot guarantee that all content reflects the most current regulatory framework. Users are advised to verify critical information with official IRDAI publications and their training provider.

7. Third-Party Services

We use the following third-party services which have their own privacy policies:

• Supabase — database and authentication (supabase.com)
• Razorpay — payment processing (razorpay.com)
• 2Factor.in — SMS OTP delivery

8. Data Retention

We retain your data as long as your account is active. When you delete your account, all your personal data is permanently removed within 30 days.

9. Data Sharing with Business Partners

To keep this app free for all users, we may share aggregated or anonymised user data — such as study patterns, topic preferences, and general demographic information — with insurance companies, financial services providers, and business partners. This enables them to offer relevant insurance products, career opportunities in the insurance sector, and educational resources to our users.

We may also share your contact information with insurance companies or their authorised representatives if you opt in to receive information about insurance career opportunities or product offerings.

We do not sell your individually identifiable personal data (such as your name, phone number, or quiz history) to third parties without your explicit consent. You may opt out of partner communications at any time by contacting us.

10. Children's Privacy

This app is intended for users aged 18 and above. We do not knowingly collect personal data from minors. If you believe a minor has provided us data, please contact us immediately.

10. Contact Us

For privacy concerns or to exercise your rights, contact us at:
santosh.personal2030@gmail.com
WhatsApp: +91 95151 30247

We will respond within 72 hours.