Privacy Policy
Who we are
This app is provided by Financial Guidance. It is an educational platform covering insurance (life, health and general), banking basics, loans, mutual funds, stock market basics, tax planning, government savings schemes, personal finance, financial scam awareness, sales skills and IC-38 exam preparation.
Information we collect
Account details you give us: name, email address and a securely hashed password. When you sign up we record the time you accepted these policies and email you a 6-digit verification code; the code is stored only as a hash and unfinished sign-ups are deleted after 24 hours. To stop fake or automated sign-ups we briefly keep the sign-up attempt time and network (IP) address for about one hour.
Date of birth (optional): used only to send you a birthday greeting email.
Profile details you choose to add: profile photo, mobile number (+91), profession and company/organisation. These are optional — you can add, edit or remove them anytime from Profile → Edit. Your photo is visible only to you — except that, if you choose an advisor profession (Insurance Professional, Insurance Advisor, Financial Advisor or Agent), your name, photo, profession, company, mobile and email are printed on the calculator reports you download and share with clients, in the report colour theme you choose.
Feedback & suggestions: messages, ratings and optional screenshots you send from Profile → Feedback & Suggestions are private between you and our team, used only to improve the app and reply to you, and deleted with your account.
Client records (advisors only): client details you add in My Clients (name, mobile, email, city, notes, and optional birthday and wedding anniversary dates used to send greeting emails in your name), call-back requests that people submit through your shared lead page, and the reports linked to them are stored securely, visible only to you, used only to show your client list, and deleted when you remove the client or delete your account.
Learning activity: lessons opened, completed and saved, mock-test scores, streaks, certificates and calculator reports you choose to save (including the name entered on a calculation).
Professional verification (if you apply): profession, company, licence/agent code, official email, optional employee code and ID card photo, and the review result (approved automatically, or held for review and approved or rejected, with the reason). The ID photo is stored privately and viewed only by our admin to verify you.
Payment records: plan, amount, payment status and the payment reference returned by our payment partner (Razorpay, or Google Play for purchases made in the Android app).
Fingerprint / face sign-in (optional, phone app only): if you turn it on, your email and password are kept encrypted in your phone's secure storage and are read only after your phone confirms your fingerprint or face. Your fingerprint or face data never leaves your phone and is never sent to us.
Referrals: your referral code, who referred you (if you used a code) and the friends who joined with your code. On your Refer & Earn screen you see only your friends' first names and whether they joined or bought Premium. If you refer friends, your first name and last-name initial (for example “Ravi K.”) and your monthly referral counts may appear in the “Top referrers” list on the Home screen. We never see or store your card, UPI PIN or bank login details.
Support messages you send through “Report a problem” and questions you ask the AI Doubt Solver.
Digital visiting card and share cards: the profile details you choose to print on your visiting card, certificates and IC-38 score cards.
Security information: your last sign-in time, the device session that is currently signed in, and — if someone tries to take a screenshot of protected content — the time, the screen and the device type of that attempt.
How we use it
To create and secure your account, verify your email address, block fake sign-ups, keep you signed in on one device, and sign you out after inactivity.
To protect Premium content: screenshots and screen recording are blocked on protected screens, the app is hidden in the recent-apps view, and your name may appear as a faint watermark on lessons and calculators so leaked copies can be traced.
To show your progress, certificates and saved items, and to unlock Premium content you paid for.
To reply to support requests, send sign-up and password-reset codes, receipts, renewal reminders and birthday greetings, and improve the learning content.
We do not sell or rent your personal data, and we do not use it for third-party advertising.
Sharing
Payments are processed by Razorpay or, for purchases made in the Android app, by Google Play (with our subscription partner RevenueCat confirming the purchase to us). Each handles your payment information under its own privacy policy; we receive only the purchase status, plan and reference — never your card, UPI or bank details.
Emails are delivered through an email service provider, and AI answers are generated by an AI service provider; only the text needed for that task is shared.
We may disclose information if required by law or a lawful request from authorities.
Security & retention
Passwords are stored only as salted hashes. Data is sent over encrypted HTTPS connections, and admin tools are restricted to authorised administrators.
We keep your data while your account is active. You can delete your account from Profile → Delete account; your personal data is then removed, except records we must keep for legal, tax or payment-dispute reasons.
Your choices
You can update your name, profile photo, mobile number, profession and company from Profile → Edit, and remove any optional detail by clearing it. Changing your email requires your password and a 6-digit code sent to the new address; we also notify your old address. You can delete saved items and calculations, or delete your account at any time — your photo and profile details are deleted with it. Contact us for any privacy request.
Children
The app is intended for users aged 18 and above preparing for insurance and finance careers.
Grievance Officer
For privacy questions, correction or deletion of your data, or any complaint, contact our Grievance Officer:
Name: Niton Bhattacharjee Email: support@financialguidance.in Address: House No 422, Bishnupur, Opposite Sunny Girls Hostel 2, East Khasi Hills, Shillong, Meghalaya 793004, India
We acknowledge complaints within 24 hours and aim to resolve them within 15 days.
Changes
We update this policy whenever we add major features or change how we use data. The latest version is always available on this page.
Last updated: 25 October 2026.