Privacy Policy

1 Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, billing information, city, and any details you provide while registering, purchasing a course or subscription, or contacting us.
• Account & Login Data: Username, password, login activity, device information.
• Payment Information: When you purchase courses or subscriptions, payment details are processed securely by third-party gateways (Razorpay, UPI, banks, credit/debit cards). OCA does not store full payment card details.
• Usage Data: Pages visited, time spent on the platform, clicks, interactions, error logs, and analytics data for improving user experience.
• Communications: Emails, chats, feedback, comments, forms, and messages submitted by you.
• Technical Data: IP address, browser type, operating system, device identifiers, and cookies.

2 How We Use Your Information

We use your information to:

• Provide access to courses, live sessions, calculators, and subscription services
• Process payments and manage your account
• Send important updates, alerts, and service notifications
• Improve course content, tools, and platform experience
• Prevent fraud, misuse, or unauthorised access
• Offer customer support and resolve issues
• Send marketing or educational emails (only with your consent; you can unsubscribe anytime)

3 Cookies & Tracking Technologies

We use cookies, analytics tools, and tracking technologies to:

• Remember your preferences
• Maintain login sessions
• Improve website performance
• Understand user engagement

You can disable cookies in your browser settings, but some features may not function properly.

4 Sharing of Information

We never sell your personal data. We may share your information only with:

• Service Providers: Payment gateways (example Razorpay), hosting services, analytics providers, communication tools.
• Legal Authorities: If required to comply with law, fraud investigation, or enforce our terms.
• Internal Team: For course management, technical support, and operations.

5 Payment & Financial Data

All payments are processed securely through trusted third-party gateways. OCA does not store or access your complete payment details. Payment information is encrypted and handled according to PCI-DSS standards.

6 Data Protection & Security

We follow strict security measures to protect your data:

• Encrypted servers and secure tools
• Restricted access to sensitive information
• Regular monitoring and threat checks
• Secure login and authentication procedures

While we take all reasonable precautions, no online platform can guarantee 100% security.

7 Data Retention

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

• Provide services
• Meet legal, accounting, or reporting obligations
• Resolve disputes

You may request account deletion anytime.

8 Your Rights

Depending on your region, you may have rights to:

• Access the personal data we hold about you
• Request correction or update
• Request deletion of your account or data
• Withdraw consent for marketing emails
• Request a copy of your data

To exercise these rights, contact us using the details below.

9 Children's Privacy

OCA services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.

10 Third-Party Links

Our website or courses may contain links to external websites (YouTube, Zoom, blogs, tools). We are not responsible for their privacy practices or content.

11 Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated revision date. Continued use of OCA means you accept the updated policy.

12 Contact Us

For privacy-related questions, data requests, or concerns, contact:

• Options Calculator Academy (OCA)
• Email: optionscalculator.live@gmail.com
• Website: optionscalculator.live