1. Information We Collect

Personal Information:

• Full name and date of birth
• PAN Card number and copy
• Aadhaar number (masked) and copy
• Contact information (email, phone number)
• Residential address proof
• Bank account details
• Photograph for verification

Financial Information:

• Transaction history
• Bank account statements
• Trading patterns and preferences
• Source of funds information

Technical Information:

• IP address and location data
• Device information
• Browser type and version
• Telegram chat history (for support)
• Usage patterns and preferences

2. How We Use Your Information

• To verify your identity and comply with regulatory requirements
• To process your forex transactions
• To prevent fraud, money laundering, and illegal activities
• To comply with legal obligations under Indian law
• To provide customer support via Telegram
• To improve our services and user experience
• To communicate important updates and changes
• To maintain security and prevent unauthorized access

3. Legal Basis for Processing

We process your personal information based on:

• Legal Obligation: Compliance with PMLA and other applicable regulations
• Contractual Necessity: To provide trading services
• Legitimate Interest: Fraud prevention, security, service improvement
• Consent: For marketing communications (optional)

4. Data Sharing and Disclosure

We may share your information with:

Required by Law:

• Financial Intelligence Unit (FIU-IND)
• Income Tax Department
• Enforcement Directorate
• Reserve Bank of India (if required)
• Other government authorities as mandated by law

Service Providers:

• Banking partners for payment processing
• Verification service providers
• IT and security service providers
• Legal and compliance advisors

We do NOT sell your personal data to third parties.

5. Data Retention

We retain your information as required by Indian regulations:

• Verification documents: 10 years after relationship ends
• Transaction records: 10 years as per PMLA
• Financial records: 10 years for tax purposes
• Communication logs: 5 years for dispute resolution
• After retention periods, data is securely destroyed

6. Data Security

We implement robust security measures:

• End-to-end encryption for sensitive data
• Secure servers with firewalls
• Regular security audits and penetration testing
• Employee access controls and training
• Two-factor authentication for internal systems
• Regular security updates and patches

7. International Data Transfers

Your data is primarily stored and processed in India. Any international transfers will:

• Comply with Indian data protection laws
• Use adequate safeguards
• Obtain necessary approvals if required
• Be disclosed to you transparently

8. Your Rights

Subject to applicable laws, you have the right to:

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal requirements)
• Restriction: Limit processing of your data
• Objection: Object to certain processing activities
• Portability: Request transfer of your data to another service
• Withdraw Consent: Withdraw consent for marketing

To exercise these rights, contact us via Telegram.

9. Cookies and Tracking

We use essential cookies for:

• Website functionality and security
• Session management
• Preference storage
• Analytics (anonymous)

You can control cookies through your browser settings.

10. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. Please review their privacy policies separately.

11. Children's Privacy

Our services are not intended for individuals under 18 years. We do not knowingly collect data from children. If we discover such data, we will delete it immediately.

12. Data Breach Notification

In case of a data breach, we will:

• Notify affected users within 72 hours
• Report to CERT-IN as required by law
• Take immediate corrective action
• Implement measures to prevent recurrence

13. Policy Updates

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

• Email notification
• Telegram announcement
• Website notice

Continued use of our services constitutes acceptance of updated policies.

14. Contact Information

For privacy-related inquiries or to exercise your rights:

• Data Protection Officer: Lucky
• Telegram: @TradeForexWithLucky
• Email: privacy@tradeforexwithlucky.in
• Response Time: 7 working days

15. Grievance Redressal

If you have privacy concerns:

1. Contact us via Telegram first
2. If unresolved within 30 days, escalate to our DPO
3. Final recourse: Consumer forum or appropriate court in Mumbai