A to Z Pandit

www.atozpandit.com

 

PRIVACY POLICY

 

 

Operated & Managed by: Web Tadka Technologies

108, Terraform K Residences, Everest World, Dhokali, Kolshet Road, Thane West – 400607, Maharashtra, India

 

General Enquiries: support@atozpandit.com

Legal / Complaints: legal@atozpandit.com

 

Effective Date: June 21, 2026

 

1. Introduction and Our Commitment to Your Privacy

Web Tadka Technologies ("Company", "We", "Us", "Our"), owner and operator of www.atozpandit.com, is fully committed to protecting the privacy, confidentiality, and security of the personal data of every individual who accesses or uses our Platform. This Privacy Policy ("Policy") describes, in complete detail, how we collect, use, store, share, protect, and process your personal information when you visit, register on, or use AtoZ Pandit and its services.

This Policy is published and maintained in compliance with:

•       Information Technology Act, 2000

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

•       Digital Personal Data Protection Act, 2023 ('DPDPA'), as and when applicable provisions come into force

•       Consumer Protection Act, 2019 and Consumer Protection (E-Commerce) Rules, 2020

•       Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021

2. Who We Are — Data Fiduciary / Data Controller

Identity of Data Fiduciary / Controller:

•       Legal Name: Web Tadka Technologies

•       Platform: www.atozpandit.com

•       Registered Address: 108, Terraform K Residences, Everest World, Dhokali, Kolshet Road, Thane West – 400607, Maharashtra, India

•       General Enquiries: support@atozpandit.com

•       Privacy / Data Protection Officer: legal@atozpandit.com

Under the Digital Personal Data Protection Act, 2023 (when applicable), the Company is the 'Data Fiduciary' in respect of all personal data collected through the Platform. Under the IT Act 2000 and SPDI Rules, the Company is the body corporate responsible for handling your sensitive personal data or information.

3. What Personal Data We Collect

3.1 Data You Provide Directly

When you register, book a service, make a payment, contact us, or otherwise interact with the Platform, we collect:

•       Full name, email address, mobile/phone number

•       Residential or venue address (for pooja bookings)

•       Date of birth, time of birth, and place of birth (for astrological and kundli services — this may be classified as sensitive personal data)

•       Payment information — card type, last 4 digits, UPI ID, transaction reference (we do NOT store full card details; complete card data is handled by our PCI-DSS compliant payment gateway partners)

•       Booking preferences, special instructions, and service requirements

•       Identity proof details if requested for high-value transactions (if applicable)

•       Communications, feedback, reviews, complaints, and grievances submitted to us

3.2 Data Collected Automatically

When you access the Platform, we automatically collect:

•       IP address, device type, device ID, and browser type

•       Operating system and software version

•       Pages visited, time spent on each page, links clicked, and navigation patterns

•       Referring URL and exit page

•       Date and time of access

•       Cookies and similar tracking technologies (see Section 9)

•       App usage data if a mobile application is used

3.3 Data Received from Third Parties

•       Payment confirmation and transaction data from payment gateway partners (Razorpay, PayU, or others)

•       Service delivery confirmation from Pandits and Astrologers

•       Publicly available information if you access the Platform through a social media login

3.4 Sensitive Personal Data or Information (SPDI)

Under the IT (SPDI) Rules, 2011, the following categories of data that we collect are classified as Sensitive Personal Data or Information:

•       Financial information — payment card/UPI details (processed exclusively through certified gateways)

•       Birth details (date, time, place of birth) used for astrological analysis

We collect SPDI only with your express consent and use it solely for the purpose for which it was provided. You have the right to withdraw consent for SPDI collection by contacting us at legal@atozpandit.com, subject to the limitation that withdrawal may affect our ability to provide the relevant service.

3.5 Recording and Monitoring of Chat, Call and Video Consultations

Chat, call, and video consultations conducted through the Platform’s Astro Chat, Astro Call, and Talk to Astrologers Services may be recorded, logged, and/or monitored, in whole or in part. By using these Services, you consent to such recording and monitoring. We use these records for the following purposes only:

•       Quality assurance, training, and supervision of Astrologers and other Service Providers;

•       Fraud prevention, security, and detection of policy violations or prohibited conduct; and

•       Establishing facts and serving as evidentiary record in connection with any refund claim, grievance, complaint, or dispute raised by a User, an Astrologer, or any other Service Provider.

Such recordings are retained in accordance with Section 7 (Data Retention) of this Policy and are accessed only by authorised personnel on a need-to-know basis. The Platform’s own record of a consultation, including any such recording, log, or timestamp, shall be treated as conclusive evidence of the facts it records for the purpose of resolving any dispute under this Policy or the Terms and Conditions, unless proven otherwise by credible evidence to the contrary.

4. How We Use Your Personal Data

We use the personal data we collect for the following purposes:

4.1 Service Delivery

•       Processing and confirming pooja, consultation, and other service bookings

•       Coordinating with Pandits and Astrologers to deliver your booked service

•       Preparing and delivering astrological reports, kundli, and consultation outcomes

•       Managing gemstone, yantra, or physical item orders and shipping

•       Sending booking confirmations, reminders, service updates, and delivery notifications

4.2 Payment Processing

•       Processing payments securely through our payment gateway partners

•       Initiating, verifying, and tracking refunds

•       Maintaining transaction records as required by law

4.3 Account Management

•       Creating and maintaining your user account

•       Verifying your identity and preventing fraud or unauthorized access

•       Responding to your queries, complaints, and grievances

4.4 Legal and Compliance

•       Complying with applicable Indian laws, regulations, and court orders

•       Responding to lawful requests from government authorities and law enforcement agencies

•       Enforcing our Terms and Conditions and other Platform policies

•       Detecting, investigating, and preventing fraudulent transactions, misuse, or illegal activity

4.5 Platform Improvement

•       Analysing usage patterns to improve Platform features, user experience, and services

•       Conducting internal research, analytics, and reporting

•       Testing new features and correcting technical issues

4.6 Marketing and Communications (with Consent)

•       Sending you service-related communications including new offerings, promotions, and updates — only where you have opted in or where permitted by law

•       You may opt out of marketing communications at any time by emailing support@atozpandit.com or by using the unsubscribe link in any marketing email

5. Legal Basis for Processing Your Data

We process your personal data on the following legal bases:

•       Consent: Where you have expressly provided consent — e.g., for SPDI collection and for marketing communications

•       Contract Performance: Where processing is necessary to deliver a service you have booked and paid for

•       Legal Obligation: Where we are required to process data to comply with applicable law

•       Legitimate Interest: Where processing is necessary for our legitimate business interests, including fraud prevention, security, and Platform improvement, provided such interests do not override your fundamental rights and freedoms

6. Sharing and Disclosure of Your Data

We may share your personal data only in the following limited and specific circumstances:

6.A. Use of Your Data for Partner, Affiliated, and Associated Brand Services

In addition to the purposes described above, and strictly subject to your prior, express, and clearly recorded consent, we may use your basic contact information (name, email address, and mobile number only) to:

•       Introduce and offer you new services, products, and offerings from our carefully vetted third-party partners operating in the spiritual, wellness, religious, lifestyle, and related categories

•       Share your basic contact details with affiliated companies and associated brands operated by or in association with Web Tadka Technologies, to enable them to communicate relevant service offerings to you

•       Use your Platform usage data, booking history, and service preferences internally across our group entities and affiliated platforms to provide you with a connected and personalised experience across related service categories

Your Consent Rights — This is Critical:

•       You will never be enrolled in any partner, affiliate, or associated brand communication programme without your prior, express, specific, and separately recorded consent — this consent is entirely voluntary and is independent of your consent to use the Platform's core services

•       You may use the Platform's full range of core services without consenting to any partner or affiliate communications

•       You may withdraw consent for partner/affiliate communications at any time by emailing legal@atozpandit.com with the subject 'WITHDRAW PARTNER CONSENT' or by using the opt-out/unsubscribe mechanism in any marketing email

•       Withdrawal of consent will be processed within 30 working days and does not affect the lawfulness of any processing that occurred before withdrawal

Data Shared with Partners/Affiliates — Hard Limits:

•       Only basic contact information — name, email address, and mobile number — may be shared with partner or affiliated companies, and only with your explicit consent

•       Sensitive personal data including birth details, kundli data, astrological consultation records, payment information, and health-related inputs will NEVER be shared with any partner, affiliate, or external brand under any circumstances

•       All partner and affiliated companies are bound by written data sharing agreements requiring them to: use your data only for the consented purpose; maintain appropriate security standards; not further share or sell your data; and comply with applicable Indian data protection laws including the DPDPA 2023

•       We maintain a full consent register for partner data sharing that is available to Users upon written request

6.1 Service Providers — Pandits and Astrologers

We share your name, contact number, venue address, booking time, birth details (where relevant to the booked Service), and other relevant service details with the Pandit or Astrologer assigned to your booking — strictly on a need-to-know basis and solely for the purpose of performing your booked service. Where, in accordance with Clauses 6F.5 and 6F.6 of our Terms and Conditions, the Platform shifts or substitutes the consultation to its regular or another qualified Astrologer then available online, the same data is shared with such alternate Astrologer for the same purpose and on the same confidentiality basis, without the need for any fresh or separate consent, as this is necessary for the performance of the booking contract. All Service Providers are contractually required to maintain confidentiality of your data.

6.2 Payment Gateway Partners

Payment data is shared with our certified third-party payment gateway partners (Razorpay, PayU, and/or others) solely for the purpose of processing your payment transaction. These partners operate under their own privacy policies and PCI-DSS compliance frameworks. We do not store full payment card details.

6.3 Shipping and Logistics Partners

For physical item orders (gemstones, yantras, etc.), your name and delivery address are shared with our logistics and shipping partners solely for delivery fulfilment.

6.4 Legal and Regulatory Authorities

We may disclose your personal data to government authorities, law enforcement agencies, courts, or regulatory bodies when: (a) required by applicable law or court order; (b) necessary to protect the rights, safety, or property of the Company, other Users, or the public; or (c) in connection with legal proceedings.

6.5 Technology Service Providers

We may share data with third-party technology vendors (e.g., cloud hosting, email delivery, analytics) who assist in Platform operations. All such vendors are bound by appropriate data processing agreements and are prohibited from using your data for any purpose other than performing services for us.

6.6 Business Transfers

In the event of a merger, acquisition, restructuring, or sale of all or a part of the Company's business, your personal data may be transferred to the acquiring entity, subject to the same level of privacy protections as described in this Policy. You will be notified of any such transfer.

6.7 Independent Acts of Service Providers

As clarified in our Terms and Conditions, all Pandits, Astrologers, and other Service Providers are independent freelance professionals and are not employees, agents, or representatives of the Company. The Company shares your data with them strictly for the purpose of enabling them to perform your booked Service, and requires them, by contract, to keep your data confidential and to use it solely for that purpose. Once your data has been lawfully shared with a Service Provider for performance of your booking, any subsequent collection, storage, use, retention, or disclosure of that data by the Service Provider independently of the Platform is the sole act and responsibility of that Service Provider. The Company disclaims all liability for any such independent act, misuse, or breach by a Service Provider, and the User’s recourse, if any, in respect of such independent act shall lie solely against the concerned Service Provider. The Company will, where it becomes aware of any such breach, take reasonable steps available to it, including termination of the Service Provider’s engagement with the Platform, but such action shall not be construed as an admission of liability on the part of the Company.

7. Data Retention

We retain your personal data for as long as is necessary for the purposes described in this Policy, or as required by applicable Indian law, whichever is longer. The following general retention guidelines apply:

•       Active account data: Retained for the duration of your account's active status plus 3 years thereafter

•       Booking and transaction records: Retained for a minimum of 7 years to comply with financial and tax record-keeping requirements under Indian law

•       Astrological and kundli data: Retained for the period necessary to deliver the service, after which it is anonymised or deleted unless you request extended storage

•       Communications and grievance records: Retained for 5 years for legal and evidentiary purposes

•       Data subject to legal hold or regulatory investigation: Retained until the matter is finally resolved

Upon expiry of the applicable retention period, your personal data is securely deleted or anonymised in a manner that makes it impossible to identify you.

8. Your Rights as a Data Principal / Subject

Subject to applicable law and verification of your identity, you have the following rights in respect of your personal data:

•       Right of Access: Request a copy of the personal data we hold about you

•       Right of Correction: Request correction of inaccurate or outdated personal data

•       Right of Erasure: Request deletion of your personal data, subject to legal retention obligations

•       Right to Withdraw Consent: Withdraw consent previously given for processing, including SPDI and marketing communications

•       Right to Grievance Redressal: Lodge a complaint about our data processing practices

•       Right of Nomination (DPDPA 2023): Nominate another individual to exercise your data rights in the event of your death or incapacity (as and when this provision of the DPDPA comes into force)

To exercise any of the above rights, please email us at legal@atozpandit.com. We will acknowledge your request within 72 working hours and endeavour to respond substantively within 30 working days; for complex requests, this period may be extended up to a maximum of 180 calendar days, in line with the grievance redressal timelines under our Terms and Conditions. If we are unable to action your request, we will explain the reason in writing. Where we are unable to delete data due to a legal retention obligation, we will inform you of the specific legal basis.

8A. Accuracy of Information You Provide

You are solely responsible for ensuring that the personal data you provide to us — including your name, contact details, birth date, birth time, birth place, and any other information used for astrological, kundli, or pooja-related services — is true, accurate, current, and complete. We do not independently verify the accuracy of any information submitted by you. We bear no liability for any consequence, including any incorrect astrological reading, kundli, muhurat, report, or remedy, arising from inaccurate, incomplete, or outdated information provided by you, and any rectification or re-service necessitated by such inaccuracy may be subject to additional charges at the Company’s discretion.

9. Cookies and Tracking Technologies

9.1 What Are Cookies

Cookies are small text files placed on your device by a website when you visit it. We use cookies and similar tracking technologies (web beacons, pixel tags, local storage) on the Platform to enhance your user experience, understand usage patterns, and improve our services.

9.2 Types of Cookies We Use

•       Essential/Functional Cookies: Necessary for the Platform to function correctly — including session management, login, and shopping cart functionality. These cannot be disabled.

•       Analytics Cookies: Help us understand how Users navigate and use the Platform (e.g., Google Analytics). Data collected is anonymised and aggregated.

•       Preference Cookies: Remember your preferences and settings (e.g., language, location) to personalise your experience.

•       Marketing Cookies: Used to deliver relevant advertisements. These are only set where you have consented.

9.3 Your Cookie Choices

You can control and manage cookies through your browser settings. Most browsers allow you to: view and delete cookies, block all cookies, block third-party cookies only, and accept all cookies. Please note that disabling certain essential cookies may affect the functionality of the Platform. For more information, refer to your browser's help documentation.

10. Data Security

We implement comprehensive technical and organisational security measures to protect your personal data from unauthorised access, disclosure, alteration, loss, or destruction. Our security measures include:

•       SSL/TLS encryption for all data transmitted between your device and our Platform

•       Encrypted storage of sensitive personal data

•       Access controls — personal data is accessible only to authorised personnel on a need-to-know basis

•       Payment Card Industry Data Security Standard (PCI-DSS) compliant payment processing through certified third-party gateways

•       Regular security assessments, vulnerability scans, and penetration testing

•       Employee training on data privacy and security best practices

•       Incident response procedures for detecting, reporting, and responding to data breaches

In the event of a data breach that is likely to result in a high risk to your rights and freedoms, we will notify you and the relevant regulatory authority as required by applicable Indian law, including the DPDPA 2023 (when applicable).

10A. Your Account Security Responsibilities

You are responsible for maintaining the confidentiality of your account login credentials, password, and any one-time passwords (OTPs) sent to your registered mobile number or email address, and for all activity that occurs under your account. We bear no liability for any unauthorised access to, or disclosure of, your personal data that results from your sharing of credentials or OTPs with any third party, your use of an unsecured device or network, or any other act or omission on your part. You must notify us immediately at legal@atozpandit.com if you become aware of any unauthorised use of your account.

10B. Limitation of Liability for Data Processing

To the maximum extent permitted by applicable law, the Company’s aggregate liability for any claim arising out of or relating to the collection, use, storage, sharing, or processing of your personal data under this Policy — whether in contract, tort, statute, or otherwise — shall not exceed the Booking Amount actually paid by you for the specific transaction giving rise to the claim, or INR 100 (Indian Rupees One Hundred) where no payment was made. The Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of opportunity, mental distress, or reputational harm, arising from any privacy or data-related claim. Nothing in this Section limits any liability that cannot lawfully be excluded or limited under applicable Indian law, including the DPDPA 2023.

11. Cross-Border Data Transfer

Your personal data is primarily stored and processed in India. In the event of any cross-border transfer of your personal data — for example, to cloud service providers with servers outside India — such transfer shall be carried out only:

•       In compliance with applicable Indian law, including conditions prescribed by the Government of India under the DPDPA, 2023

•       With appropriate safeguards in place including standard contractual clauses or equivalent data protection agreements with the recipient

•       To countries or organisations that provide adequate levels of data protection as determined under applicable Indian law

At the time of this Policy's publication, cross-border transfer rules under the DPDPA 2023 are pending notification by the Government of India. We will update this section as and when applicable rules are notified.

12. Third-Party Links and Services

The Platform may contain links to third-party websites, payment portals, or social media platforms. This Privacy Policy applies only to our Platform. We are not responsible for the privacy practices, data collection methods, or terms of any third-party website or service. We strongly encourage you to read the privacy policies of any third-party website you visit through links on our Platform.

13. Children's Privacy

Our Platform is strictly intended for use by individuals who are 18 years of age or older. We do not knowingly collect, store, or process personal data from any person under the age of 18. If we become aware that we have inadvertently collected personal data from a minor, we will immediately delete such data and terminate the associated account. If you believe a minor has provided data to us, please contact us immediately at legal@atozpandit.com.

14. Changes to This Privacy Policy

We reserve the right to update, amend, or revise this Privacy Policy at any time. Any changes will be posted on this page with a revised effective date. For material changes — i.e., changes that significantly affect your rights or how we use your data — we will provide additional notice via email to your registered address or a prominent notice on the Platform. Your continued use of the Platform after the effective date of any revised Policy constitutes your acceptance of the changes.

15. Grievance Officer — Data Privacy

If you have any questions, concerns, or complaints about this Privacy Policy or our data processing practices, please contact our Grievance Officer:

Designation: Grievance Officer (Data Privacy), Web Tadka Technologies

Email: legal@atozpandit.com

Address: 108, Terraform K Residences, Everest World, Dhokali, Kolshet Road, Thane West – 400607, Maharashtra, India

We will acknowledge your privacy complaint within 72 working hours of receipt and endeavour to resolve it within 30 working days; for complex matters, this period may be extended up to a maximum of 180 calendar days. If you are not satisfied with our response, you may approach the appropriate regulatory authority or Data Protection Board of India (when constituted under the DPDPA 2023).

16. General Content, Information, and Website Material — Disclaimer

All content available on or through www.atozpandit.com — including but not limited to text, articles, blog posts, astrological guides, spiritual information, remedy descriptions, pooja descriptions, images, photographs, deity illustrations, claims, and any other material — is published strictly for general informational, educational, and cultural awareness purposes only. It is not intended to constitute, and must not be construed as, personalised or specific advice of any nature.

By accessing or using the Platform and its content, the User unconditionally acknowledges and agrees that:

•       All content on the Platform is general in nature. No specific results, outcomes, spiritual benefits, or material changes are guaranteed, promised, or implied by any content on the Platform

•       All claims, descriptions, and statements regarding the benefits of poojas, astrological practices, gemstones, yantras, and Vedic remedies are based on traditional texts, cultural beliefs, and Jyotish shastra — they are not scientific claims, clinical evidence, or professional representations of any kind

•       Images, photographs, and illustrations on the Platform are used for cultural, representational, and illustrative purposes only — they do not constitute guarantees of the actual appearance, quality, or outcome of any service or product

•       Blog posts, articles, and spiritual guides on the Platform are created for general educational purposes and are not tailored to any individual User's specific circumstances, astrological chart, health, or financial situation

•       The Company does not warrant or represent that all content on the Platform is at all times accurate, complete, current, or free from errors — content may be updated or revised at any time without prior notice

17. Indemnification, Governing Law & Dispute Resolution

Indemnification: You agree to indemnify and hold harmless the Company, its directors, employees, Service Providers, and affiliates from and against any claims, liabilities, losses, damages, and expenses (including reasonable legal fees) arising out of or in connection with: (a) any inaccurate, false, or incomplete personal data submitted by you; (b) your breach of this Policy or the Terms and Conditions; (c) your failure to safeguard your account credentials; or (d) your unlawful or unauthorised use of the Platform.

Governing Law & Dispute Resolution: This Policy is governed exclusively by the laws of India. Any dispute, controversy, or claim arising out of or relating to this Policy, including its interpretation, breach, or termination, shall first be attempted to be resolved amicably by written communication to legal@atozpandit.com. Failing amicable resolution, the dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator appointed by the Company, seated at Thane, Maharashtra. The arbitration proceedings shall be conducted in English. For any matter not subject to arbitration, the courts at Thane, Maharashtra, India shall have exclusive jurisdiction.

Relationship with the Terms and Conditions: This Policy forms an integral part of, and must be read together with, our Terms and Conditions. In the event of any conflict between this Policy and the Terms and Conditions on a matter of data handling, this Policy shall prevail to that limited extent; on all other matters, the Terms and Conditions shall prevail. Capitalised terms used but not defined in this Policy shall have the meaning assigned to them in the Terms and Conditions.

 

© 2026 Web Tadka Technologies | All Rights Reserved | www.atozpandit.com

Effective Date: June 21, 2026 | Governed by the laws of India | Jurisdiction: Thane, Maharashtra