Privacy Policy of SpendWisely (www.spendwisely.in)
SpendWisely (“we,” “our,” or “us”) operates the website spendwisely.in (the “Site”). This Privacy Policy explains how we collect, use, and protect your personal data when you visit the Site, and your rights in relation to that data.
We are committed to handling your personal data responsibly and in accordance with India’s Digital Personal Data Protection Act, 2023 (the “DPDP Act”) and other applicable laws.
By using this Site, you agree to the practices described in this policy.
Who We Are (Data Fiduciary)
For the purposes of the DPDP Act, SpendWisely is the Data Fiduciary responsible for your personal data collected through this Site.
Contact for privacy matters: [email protected]
What Personal Data We Collect
We collect personal data only where you choose to provide it, or where it is automatically generated when you browse the Site.
1. Information you provide directly
- Contact form: When you use our Contact page, we ask for your name and email address, along with your message, so that we can respond to your query. Name and email on the Contact form are required so that we are able to reply to you.
- Blog comments: When you comment on an article, you may optionally provide your name and email address. Both are entirely voluntary. If you choose to provide your email, it is used only to notify you if we reply to your comment. You can comment without providing either.
2. Information collected automatically
When you visit the Site, certain data may be collected automatically by us or by third-party services we use:
- Technical data such as your IP address, browser type, device information, and operating system.
- Usage data such as the pages you visit, time spent on the Site, and referring links, collected through analytics tools.
- Cookies and similar technologies (see “Cookies and Analytics” below).
- Security and anti-spam data, including information processed to protect the Site from spam, abuse, and malicious traffic.
Why We Use Your Data (Purpose)
We use your personal data only for the following purposes:
- To respond to queries you submit through the Contact form.
- To notify you of replies to your blog comments, where you have voluntarily provided your email for that purpose.
- To operate, maintain, secure, and improve the Site, including understanding how visitors use it.
- To protect the Site and its users against spam, fraud, abuse, and security threats.
- To display and measure affiliate or referral links, and to meet the requirements of affiliate or referral programmes we participate in.
- To comply with applicable legal obligations.
We do not use your personal data for any purpose beyond what is described in this policy without your consent.
Legal Basis and Consent
Under the DPDP Act, we process your personal data on the basis of your consent, which you provide when you submit the Contact form or voluntarily include your details in a blog comment. Where you provide information voluntarily (such as your email for comment-reply notifications), providing it is entirely your choice.
You may withdraw your consent at any time by contacting us at [email protected]. Withdrawing consent will not affect the lawfulness of any processing carried out before the withdrawal.
Cookies and Analytics
The Site uses cookies and similar technologies to function correctly, remember your preferences, measure traffic, and support affiliate or referral links.
We use Google Analytics to understand how visitors use the Site. Google Analytics may set its own cookies and process technical and usage data, including your IP address, under Google’s own privacy policy. We also use affiliate and referral links that may set cookies, operated by the respective partner networks under their own privacy policies.
You can control or disable cookies through your browser settings. Disabling cookies may affect some features of the Site.
Third-Party Services We Use
We rely on trusted third-party service providers to operate and protect the Site. These providers may process limited data on our behalf, or under their own privacy policies, strictly to perform their services. They include:
- Hostinger — our web hosting provider, which stores the Site’s data and maintains server logs (including IP addresses) for hosting and security purposes.
- Google Analytics — for website traffic and usage analysis.
- Akismet — for filtering spam comments; it processes comment-related data (such as the commenter’s name, email if provided, IP address, and comment content) to detect and prevent spam.
- Cloudflare — for security, spam and bot protection, and performance; it may process technical data such as IP addresses to protect the Site from abuse and malicious traffic.
- Affiliate and referral partners, whose links on the Site may set cookies and process data under their own privacy policies.
Third-Party Links
The Site contains links to third-party websites, including banks, card issuers, and affiliate or referral partners. When you click these links and leave our Site, your data is handled under the privacy policies of those third parties. We are not responsible for the privacy practices or content of external websites, and we encourage you to read their policies.
Data Sharing
We do not sell your personal data. We do not share your personal data with third parties except:
- With the service providers listed above, who help us operate and secure the Site, under appropriate safeguards.
- Where required by law, regulation, or a valid legal request.
Data Retention
We retain your personal data only for as long as necessary for the purposes described in this policy, or as required by law. Contact-form messages and comment details are retained while they remain relevant to ongoing correspondence or the operation of the Site, after which they may be deleted. You may request deletion of your data at any time (see “Your Rights” below).
Your Rights
Under the DPDP Act, you have the right to:
- Access the personal data we hold about you.
- Correct or update inaccurate or incomplete data.
- Erase your personal data, where there is no legal requirement for us to retain it.
- Withdraw consent you previously gave.
- Grievance redressal — raise any concern about how we handle your data.
- Nominate another individual to exercise your rights in the event of your death or incapacity.
To exercise any of these rights, email us at [email protected]. We will respond within a reasonable time frame in accordance with applicable law.
Children’s Data
The Site is intended for adults. We do not knowingly collect the personal data of children as defined under the DPDP Act. If you believe a child has provided us with personal data, please contact us and we will take appropriate steps to delete it.
Data Security
We take reasonable technical and organisational measures, including the security services of our hosting and infrastructure providers, to protect your personal data against unauthorised access, loss, or misuse. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
Grievance Redressa
If you have any questions, concerns, or complaints about this Privacy Policy or how your personal data is handled, you may contact:
SpendWisely
Email: [email protected]
We will acknowledge and address your grievance in accordance with the DPDP Act.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or in the law. The “Last updated” date at the top of this page indicates when it was last revised. We encourage you to review this page periodically.