Privacy Policy

1. What We Collect

 

When you engage with our services, we may collect the following personal information:

 

1.1 Personal information

• Contact Information: Name, email address, phone number, postal address

• Payment Information: Billing address, payment method details (processed securely through third-party payment processors)

• Communication Data: Messages, feedback, and correspondence with us

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1.2 Technical information

• Device Information: IP address, browser type, operating system, device identifiers

• Usage Data: Pages visited, time spent on pages, click-through rates, and user behaviour analysis

• Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies

 

   2. How Your Information Is Used

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Service Delivery: 

• Schedule and deliver your sessions

• Process payments and maintain records

• Access to published guides and webinars 

 

Communications:

• Sending updates and announcements

• Providing customer support

• Sending newsletters and promotional materials (with consent)

• Responding to inquiries and feedback

 

Improvement and Analytics:

• Analyzing website usage and user behavior

• Improving our services

• Conducting research and analytics

• Personalizing your user experience

 

Legal and Administrative:

• Complying with legal obligations

• Protecting our rights and interests

• Preventing fraud and abuse

• Maintaining records as required by law

 

Legal Basis for Processing (under Indian Law)

We process your personal information based on:

• Consent: When you explicitly agree to our data processing activities

• Contract Performance: To fulfill our obligations under service agreements

• Legal Compliance: To meet regulatory and legal requirements

 

   3. Confidentiality 

 

All conversations whether individual or team-based are treated as strictly confidential. 

 

3.1 Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. 

 

3.2 Authorized Sharing

We may share your information with:

• Service Providers: Payment processors, email service providers, hosting services, analytics providers

• Legal Requirements: When required by law, court orders, or government requests

• Business Transfers: In case of merger, acquisition, or sale of assets (with prior notice)

 

   4. Data Security

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We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: SSL/TLS encryption for data transmission

• Access Controls: Restricted access to personal information on a need-to-know basis

• Regular Security Audits: Periodic assessment of our security measures

• Secure Storage: Protected servers and databases

 

   5. Retention

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We retain your personal information for as long as necessary to:

• Provide our services to you

• Comply with legal obligations

• Resolve disputes and enforce agreements

• Meet regulatory requirements

 

Specific Retention Periods:

• Payment Records: 7 years as per Indian accounting standards

• Marketing Communications: Until you opt-out

 

Your Rights

Under Indian data protection laws, you have the following rights:

Access and Correction

• Request access to your personal information

• Correct inaccurate or incomplete information

 

Data Portability

• Request a copy of your data in a structured format

• Transfer your data to another service provider

 

Deletion and Restriction

• Request deletion of your personal information (subject to legal requirements)

• Restrict processing of your data in certain circumstances

 

Opt-Out Rights

• Unsubscribe from marketing communications

• Opt-out of certain data processing activities

• Withdraw consent where processing is based on consent

 

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Analyze website usage and performance

• Provide personalized content and recommendations

• Enable social media features

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Cookie Types:

• Essential Cookies: Required for website functionality

• Analytics Cookies: Help us understand user behavior

• Marketing Cookies: Used for targeted advertising (with consent)

You can manage cookie preferences through your browser settings or our cookie consent tool.

 

   6. Third-Party Services

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Our website may contain links to third-party websites or integrate with external services:

• Payment Processors: Razorpay (Indian payment gateway)

• Email Services: Mailchimp, or similar platforms

• Analytics: Google Analytics (with consent)

• Social Media: LinkedIn, Substack, Twitter integration

These third parties have their own privacy policies, and we are not responsible for their practices.

 

   7. Children's Privacy

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Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected such information, we will take steps to delete it promptly.

 

   8. Updates to This Policy

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We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will:

• Post the updated policy on our website

• Notify users of material changes via email or website notice

• Update the "Last Updated" date at the top of this policy
   

   9. Compliance with Indian Laws

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This Privacy Policy is designed to comply with:

• Information Technology Act, 2000

• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011

• Personal Data Protection Bill (when enacted)

• Other applicable Indian privacy and data protection laws
   

   10. Contact Information

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If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at consult@karinamonteiro.com

 

   11. Grievance Redressal

In accordance with Indian law, we have appointed a Grievance Officer to address privacy-related complaints:

 

Grievance Officer: Karina Monteiro 

 

Email: consult@karinamonteiro.com

 

The Grievance Officer will respond to complaints within 30 days of receipt.

 

This Privacy Policy is effective as of 25 March 2026 and applies to all information collected by www.karinamonteiro.com. By using our website and services, you acknowledge that you have read and understood this Privacy Policy.

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