Privacy Policy

                                                                                           (Last Updated: 23 June 2025)

YFINN (Young Financial Innovators) is committed to protecting the privacy of our users, especially the children who participate in our financial literacy programs. This Privacy Policy explains how we collect, use, disclose and protect your information, particularly focusing on compliance with Indian laws and regulations concerning data privacy, including aspects of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and principles from the Digital Personal Data Protection Act, 2023, where applicable.

This policy applies to our website https://yfinn.com/ and all services offered by YFINN.

1. Information We Collect

We collect various types of information to provide and improve our Services:

1.1. Personal Information (Provided by Parents/Guardians)

This includes information that can identify an individual. For children aged 10-16, this information is always collected from and with the verifiable consent of their parent or legal guardian.

• Parent/Guardian Information: Name, email address, phone number, billing address (for payments).
• Child's Information (with Parental Consent): Child's name, age, date of birth and possibly school/grade level (if relevant for program placement) and progress data within the YFINN programs.
• Account Information: Usernames and passwords.
• Communication Data: Information you provide when contacting us, such as support inquiries or feedback.

1.2. Non-Personal Information (Automatically Collected)

When you visit our Website, we may automatically collect certain non-personal information:

• Device Information: IP address, browser type, operating system, device identifiers.
• Usage Data: Pages visited, time spent on pages, referral source, interactions with content and course progress data (e.g., quizzes completed, modules viewed).
• Cookies and Tracking Technologies: As described in Section 6.

2. How We Use Your Information

We use the collected information for the following purposes:

• To Provide and Manage Services: To register users, provide access to courses and content, track progress and manage accounts.
• To Improve Services: To understand how users interact with our content, identify areas for improvement and develop new features and programs.
• Personalization: To tailor the learning experience and content recommendations.
• Communication: To send important updates, notifications, administrative messages and      respond to inquiries. This may include email newsletters, which you can opt-out of.
• Security and Fraud Prevention: To protect the integrity and security of our Website and Services, prevent unauthorized access and detect fraudulent activities.
• Legal Compliance: To comply with applicable Indian laws, regulations, legal processes and government requests, especially those related to child data protection and education.
• Billing and Payment Processing: To process transactions for paid services.

3. Parental Consent for Minors (Crucial as per Indian Regulations)

3.1. Verifiable Consent: In accordance with Indian laws (e.g., principles from the Digital Personal Data Protection Act, 2023), YFINN requires verifiable parental or legal guardian consent before collecting any personal information from a child aged 10-16 or allowing them to access our Services that involve personal data collection. 

3.2. How Consent is Obtained: Parents/guardians will be required to: 

• Create an account for their child. 
• Explicitly acknowledge and agree to this Privacy Policy and our Terms and Conditions. 
• Provide their own personal information to verify their identity. 
• We may use methods such as email verification, OTP (One-Time Password) to the parent's registered mobile number, or other suitable mechanisms to ensure consent is verifiable. 

3.3. Parental Rights: Parents/guardians have the right to: 

• Review the personal information collected from their child. 
• Revoke consent for the collection and use of their child's information at any time. 
• Request the deletion of their child's personal information. 
• To exercise these rights, please contact us using the information in Section 8. 

Revoking consent or requesting deletion may result in the termination of the child's access to our Services.

4. How We Share Your Information

YFINN does not sell, rent or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• With Service Providers: We may share information with trusted third-party service providers who assist us in operating our Website, conducting our business or providing Services to you (e.g., payment processors, hosting providers, analytics services, email delivery services). These providers are bound by confidentiality obligations and are only permitted to use the      information for the purposes for which it was shared.
• For Legal Reasons: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:
  • Comply with a legal obligation or governmental request (e.g., court order, subpoena).
  • Protect and defend the rights or property of YFINN.
  • Prevent or investigate possible wrongdoing in connection with the Services.
  • Protect the personal safety of users of the Services or the public.
• Business Transfers: In the event of a merger, acquisition or asset sale, your personal information may be transferred as part of the business assets. We will notify you before your personal information becomes subject to a different Privacy Policy.
• Aggregated or Anonymized Data: We may share aggregated or anonymized data (which      cannot be used to identify you personally) with third parties for various purposes, such as research, analytics or marketing.

5. Data Security

We implement reasonable security measures, including administrative, technical and physical safeguards, to protect the personal information we collect from unauthorized access, use, disclosure, alteration or destruction. These measures include:

• Encryption of data in transit (SSL/TLS).
• Access controls to limit who can access personal data.
• Regular security audits and updates.
• Using secure data centers.

However, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies (like web beacons and pixels) to track activity on our Service and hold certain information.

• Cookies: Small data files placed on your device. We use session cookies (temporary, erased when you close your browser) and persistent cookies (remain on your device for a set period).
• Purposes: To remember your preferences, track your progress in courses, analyze Website traffic and improve user experience.
• Your Choices: You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.

7. Links to Third-Party Websites

Our Website may contain links to third-party websites that are not operated by us. This Privacy Policy does not apply to third-party websites. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services. We encourage you to review the privacy policies of any third-party websites you visit.

8. Changes to This Privacy Policy

YFINN reserves the right to update or change our Privacy Policy at any time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top. For significant changes, we may also notify you via email or a prominent notice on our Website. You are advised to review this Privacy Policy periodically for any changes.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Young Financial Innovators (YFINN) Email: info@yfinn.com 

Address: Cabin No. 14, 419-424, 4th Floor, Workbee, JMD Megapolis, Sector-48, Gurgaon-122018 (Haryana)