1. Who We Are

PredictRAM is a SEBI-registered research platform, a unit of Params Data Provider Pvt Ltd, operated in India. We provide financial research, analysis, and educational services to investors and analysts.

Data Controller: Params Data Provider Pvt Ltd
Contact: support@predictram.com

2. Information We Collect

We collect information that you provide directly and information collected automatically:

2.1 Information You Provide

Category	Data Collected	Purpose
Account Information	Name, email, phone number, password	Account creation and authentication
Profile Information	Professional experience, specialization, organization	Service personalization
Payment Information	Billing address, payment method details	Processing transactions
Communication Data	Messages, feedback, support requests	Customer support and service improvement
KYC Information	PAN, Aadhaar (as required by SEBI)	Regulatory compliance

2.2 Information Collected Automatically

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, features used, time spent
• Cookies: Session cookies, preference cookies, analytics cookies
• Location Data: General geographic location based on IP address

3. How We Use Your Information

We use the collected information for:

• Service Delivery: Providing and maintaining our platform
• Account Management: Creating and managing your account
• Personalization: Customizing your experience and recommendations
• Communication: Sending updates, newsletters, and promotional materials
• Analytics: Understanding usage patterns and improving services
• Security: Protecting against fraud and unauthorized access
• Legal Compliance: Meeting regulatory requirements (SEBI, RBI, etc.)
• Research: Aggregated, anonymized data analysis for insights

4. Information Sharing

We may share your information with:

• Service Providers: Payment processors, cloud hosting, email services
• Analysts: When you book sessions or request consultations
• Regulatory Bodies: SEBI, RBI, and other authorities as required by law
• Business Partners: With your consent, for joint offerings
• Legal Requirements: When required by law or legal process

5. Data Security

We implement robust security measures to protect your data:

• Encryption: SSL/TLS encryption for data in transit
• Access Controls: Role-based access to sensitive data
• Secure Storage: Encrypted databases and secure cloud infrastructure
• Regular Audits: Security assessments and vulnerability testing
• Password Protection: Bcrypt hashing for password storage
• Monitoring: 24/7 security monitoring and incident response

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations (typically 8 years for financial records)
• Resolve disputes and enforce agreements
• Maintain business records as required by SEBI regulations

You can request deletion of your account, subject to legal retention requirements.

7. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Receive your data in a structured format
• Objection: Object to certain processing activities
• Withdraw Consent: Withdraw consent for optional processing
• Complaint: Lodge a complaint with data protection authorities

To exercise these rights, contact us at privacy@predictram.com

8. Cookies Policy

We use cookies and similar technologies:

• Essential Cookies: Required for basic functionality (login, security)
• Analytics Cookies: Help us understand how you use our platform
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used for targeted advertising (with consent)

You can manage cookie preferences through your browser settings.

9. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

10. International Data Transfers

Your data may be transferred to and processed in countries other than India. We ensure appropriate safeguards are in place for such transfers, including:

• Standard contractual clauses
• Data processing agreements with service providers
• Compliance with applicable data protection laws

11. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

12. Policy Updates

We may update this Privacy Policy periodically. We will notify you of significant changes via:

• Email notification to registered users
• Prominent notice on our platform
• Updated "Last Updated" date at the top of this policy

13. Contact Us

For privacy-related inquiries or to exercise your rights:

• Company: PredictRAM - a unit of Params Data Provider Pvt Ltd
• Address: B1/639 A, Janakpuri, New Delhi, Delhi 110058, India
• Email: support@predictram.com
• Phone: +91-98733-87612