DATA PRIVACY & SECURITY PROTOCOL

Institutional Privacy Policy

LAST REVISED: MARCH 2026VERSION 3.0DPDPA 2023 COMPLIANT

Our Fundamental Privacy Pledge

Market Healers does not monetize user data. We will never sell your personal information, investment queries, screening filters, or learning assessments to stock brokers, trading desks, or third-party ad networks.

1. Information We Collect

We collect only the minimum necessary information required to deliver high-quality financial education and personal decision-support tooling:

Account Credentials

Your full name, email address, password hash, and optional profile bio for cohort identification.

Educational Progress

Course module completion, quiz answers, study milestones, and Determind behavioral assessment scores.

AI Tool Interactions

Prompts submitted to Ruzhaa, screener filters executed in Dhaleo, and session state logs.

System Telemetry

Browser user-agent, IP address for session security, latency metrics, and error logs.

2. How We Use Your Information

All processed data is strictly limited to the following operational purposes:

  • Platform Personalization: Adapting course recommendations and screener defaults to your experience level.
  • Security & Authentication: Preventing unauthorized logins, credential stuffing, and session hijacking.
  • Community Moderation: Enforcing our strict Anti-Hype / No-Tips policy to maintain pedagogical rigor.
  • Service Updates: Sending essential administrative notices, security alerts, and platform release notes.

3. AI Tool Queries & Research Confidentiality

When you use our integrated AI products (Ruzhaa AI, Dhaleo Screener, Determind Assessment, Jaro, and Dhruvan):

Private Model Execution

Your conversational research prompts and custom equity screening metrics are not used to train public models or shared with outside market makers. All AI inference queries are processed in isolated sandboxed containers.

4. Data Security & Storage Architecture

We employ bank-grade security controls to protect your personal information:

  • Encryption in Transit: 100% of network traffic is encrypted using TLS 1.3 with strict HTTPS transport security.
  • Encryption at Rest: Account databases and backups are encrypted using AES-256.
  • Zero Financial Credential Storage: We never collect, process, or store credit card numbers, bank account logins, or UPI pins. All transactions are handled by PCI-DSS Level 1 payment gateways.

5. Your Rights: Export & Permanent Deletion

In full compliance with India's Digital Personal Data Protection Act (DPDPA 2023) and international data ethics standards, you retain complete sovereignty over your information:

  • Right to Access & Portability: Request a full export of your learning history, quiz results, and diagnostic assessments at any time.
  • Right to Rectification: Update or correct your profile data through your account settings dashboard.
  • Right to Erasure (Forget Me): Request complete and irreversible deletion of your account and all associated records by contacting our privacy team.

6. Contact Data Protection Officer

For privacy inquiries, data export requests, or security disclosures, contact our designated privacy governance officer:

GRIEVANCE OFFICER: Privacy & Data Ethics Committee
EMAIL: privacy@markethealers.com
RESPONSE TIMEFRAME: Within 48 business hours
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