Orange Invest - Padii Financial Education and Information Platform

1. Introduction

Orange Invest operates Padii - an independent financial education and information platform ("Platform") that helps users access publicly available financial information, educational content, and general financial information. We are not a financial adviser, broker, or intermediary of any kind.

This Privacy Policy explains what information we collect, how we use it, and the choices you have. By accessing orangeinvest.app or using the Padii Platform, you agree to the practices described here.

2. Information We Collect

2.1 Information You Provide

• Contact details - your name, phone number, and email address when you join our waitlist or register on the Platform.
• Research preferences - information you voluntarily share to personalise the educational content and financial information surfaced for you, such as your areas of interest, general financial literacy level, or the topics you wish to research.
• Voice and chat inputs - queries you submit to the Platform in text or voice format for the purpose of accessing educational content and publicly available financial information.

2.2 Information We Collect Automatically

• Usage data - how you interact with the Platform, features you use, session duration, and in-app behaviour.
• Device information - device type, operating system, app version, and unique device identifiers.
• Log data - IP address, timestamps, and error logs for debugging and security purposes.

2.3 Information We Do Not Collect

• We do not collect your Aadhaar, PAN, or government identification documents unless explicitly required by law.
• We do not collect bank account numbers, demat account credentials, credit card details, or any payment information.
• We do not sell, rent, or trade your personal data to any third party.

3. How We Use Your Information

We use the information we collect to:

• Deliver educational content - surface relevant financial research, educational material, and general market information based on your stated interests and queries.
• Improve the Platform - analyse usage patterns in aggregate and anonymised form to improve our information tools and content.
• Communicate with you - send platform updates, respond to queries, and share information relevant to your learning activity.
• Ensure security - detect fraudulent or abusive activity and maintain platform integrity.
• Meet legal obligations - comply with lawful requests from regulatory or law enforcement authorities where required under Indian law.

We do not use your data to serve targeted financial product advertisements or generate revenue through data monetisation.

4. How We Share Your Information

We do not sell or trade your personal information. We may share data in these limited circumstances:

• Service providers - third-party infrastructure and tooling vendors (cloud hosting, analytics, customer support) who are contractually bound to use your data solely to support our Platform operations.
• Research and information partners - where you explicitly request information about a specific financial product category (e.g., loan options, insurance products), we may surface publicly available research from third-party sources. We do not share your personal data with product providers without your explicit consent.
• Legal requirements - as required by Indian law, court order, SEBI, RBI, or other applicable regulatory authority.
• Business transfers - in the event of a merger, acquisition, or asset sale, data may transfer to the acquiring entity under equivalent privacy protections.

5. Data Storage and Security

Your data is stored on secure cloud infrastructure with TLS encryption in transit and AES-256 encryption at rest. Access is restricted to authorised personnel on a strict need-to-know basis.

We retain data for as long as your account is active or as required by applicable law. You may request deletion at any time (see Section 8).

6. Cookies and Tracking

Our website may use cookies to improve browsing experience and analyse traffic. You can manage preferences through your browser settings. We do not use cross-site behavioural tracking for advertising.

7. Children's Privacy

The Padii Platform is intended for users aged 18 and above. We do not knowingly collect data from minors. If you believe a minor has registered, contact us at privacy@orangeinvest.app and we will promptly delete the data.

8. Your Rights

Under the Digital Personal Data Protection Act, 2023 and applicable Indian law, you have the right to:

• Access - request a copy of personal data we hold about you.
• Correct - request correction of inaccurate or incomplete data.
• Delete - request erasure of your personal data, subject to legal retention requirements.
• Withdraw consent - withdraw consent for data processing at any time.
• Data portability - receive your data in a portable, machine-readable format.
• Nominate - nominate an individual to exercise your rights in the event of your death or incapacity, as provided under the DPDP Act 2023.

Submit requests to privacy@orangeinvest.app. We will respond within 30 days.

9. Third-Party Links and Content

The Platform may reference or link to third-party sources of financial information. Orange Invest is not responsible for the privacy practices or content accuracy of any third-party website. Review their privacy policies independently before engaging with them.

10. Changes to This Policy

We may update this policy periodically. Material changes will be communicated via the app or email. Continued use of the Platform after changes constitutes acceptance of the revised policy.

11. Contact Us

Orange Invest
Email: privacy@orangeinvest.app
Website: https://www.orangeinvest.app