Growth Addicted Private Limited ("Company", "we", "our", "us") respects your privacy and is committed to protecting it. This Privacy Policy explains how we collect, use, store, share, and protect your personal data when you use our website, mobile applications, courses, and related services (collectively, the "Services").

1. Information We Collect

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We may collect the following categories of data:

• Personal Identification Data: Name, email, phone, address, date of birth.
• Financial & KYC Data: PAN, Aadhaar, bank account details, payment card information (as required under RBI/Cashfree norms).
• Transaction Data: Purchases, refunds, payouts, invoices.
• Technical Data: IP address, browser, device type, OS version, cookies, and usage analytics.
• Location Data: With your consent, we may collect device location for fraud prevention and service optimization.

2. How We Use Your Information

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We use the collected information to:

• Provide, operate, and improve our Services.
• Process payments, refunds, and KYC verifications.
• Send you service-related communications, confirmations, and invoices.
• Prevent fraud, unauthorized access, or illegal activity.
• Comply with legal and regulatory obligations (including RBI and Payment Gateway guidelines).
• Offer customer support and resolve disputes.
• Send you marketing communications (only if you opt in).

3. Data Sharing & Disclosure

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We do not sell or rent your personal data. However, we may share it with:

• Payment gateways (e.g., Cashfree) and banks to process payments securely.
• Government/regulatory authorities if required by law.
• Auditors, compliance officers, and legal advisors for lawful purposes.
• Service providers (IT, hosting, analytics) bound by confidentiality agreements.

4. Data Security

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5. Data Retention

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We retain your personal data as long as required for providing Services, complying with applicable laws, or resolving disputes. KYC/financial data may be retained for regulatory periods mandated by RBI and payment gateways.

6. Your Rights

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As a user, you have the right to:

• Access the data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion (subject to legal/regulatory requirements).
• Opt-out of marketing communications.

7. Cookies & Tracking

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We use cookies and tracking technologies to enhance user experience, analyze usage, and prevent fraud. You may disable cookies in your browser, but some features of the Services may not function properly.

8. International Transfers

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If we transfer your data outside India, we ensure appropriate safeguards are in place in compliance with applicable data protection laws.

9. Children's Privacy

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Our Services are not directed to children under 18. We do not knowingly collect personal data from minors.

10. Updates to this Policy

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We may update this Privacy Policy from time to time. Any changes will be posted here with a revised "Last Updated" date. Your continued use of the Services means you accept the updated terms.

11. Grievance Redressal & Contact

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For complaints, queries, or grievances related to this Privacy Policy, you may contact our Grievance Officer:

• Email: care@growthaddicted.com
• Phone: +91 89624 79929
• Address: 57,58 - Lokmanya grah nirman society, genhu kheda Near Dmart, Bhopal Dental Building kolar road Bhopal,MP

The Grievance Officer shall acknowledge complaints within 48 hours and resolve them within 7 working days, as per RBI and payment gateway guidelines.

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