Last Updated: 23 December 2025

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1. Introduction & Data Fiduciary This Privacy Policy governs the collection and processing of personal data by PolicyTruth Advisors Pvt Ltd ("Data Fiduciary") in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act).

• Registered Address: [INSERT Registered Address], Gurgaon, Haryana, India.

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  Contact Email: hello@policytruth.in

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2. Definitions

• "Upload": The act of submitting a PDF document via our secure submission form at /submit-your-docs.

• "Report": The educational document analysis PDF generated by us and sent to your email.

• "Personal Data": Any data about an individual who is identifiable by or in relation to such data.

3. What Data We Collect We collect only the data necessary to fulfill the service you request:

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  Identity Data: Name and address (as present in your uploaded documents).

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  Contact Data: Email ID and phone number provided at checkout.

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  Financial Data: Loan amounts, interest rates, EMIs, premiums, fees/charges, and related schedules contained in your documents.

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  Health Information: Medical declarations or history, only if present in the insurance documents you voluntarily upload.

• KYC Identifiers: PAN or Aadhaar numbers only if you fail to redact them. Requirement: You must redact (black out) PAN/Aadhaar and full address before uploading.

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4. Purpose of Processing We process your data solely for two purposes:

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   Service Delivery: To extract clauses and generate the analysis report you purchased.

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   Customer Support: To answer your queries and resolve delivery issues.

5. Data Sharing & Third Parties

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  No Selling: We do not sell your personal data.

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  Service Providers (Processors): We share data only with trusted third-party service providers strictly necessary to operate the service (e.g., payment gateways for transaction processing, cloud storage for document hosting, and email services for report delivery).

6. Data Retention & Security

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  Uploaded Documents: Automatically deleted 10 days after report delivery, or earlier upon request, unless retention is required by law.

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  Support Correspondence: Retained for up to 30 days for service quality assurance.

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  Transaction Records: Retained as required by Indian tax and accounting laws.

7. Your Rights under DPDP Act, 2023 You have the following rights regarding your data:

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• Right to Access: Request a summary of the personal data processed for your order.

• Right to Correction: Request correction of your contact details.

• Right to Withdraw Consent: You may withdraw consent at any time.

  • Before Delivery: If withdrawn before the report is delivered, processing stops immediately. A pro-rated refund may apply.

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    After Delivery: We will delete your documents/data as per our retention policy.

• Right to Grievance Redressal: You may file a complaint with our Data Protection Officer.

8. How to Exercise Your Rights

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  Use our Data Request Form: Visit /data-requests.

• Email: Write to privacy@policytruth.in. We verify requests and typically process deletion within 72 hours.

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9. Grievance Officer For any privacy concerns, contact our Data Protection Officer at grievance@policytruth.in.