Privacy Policy

Effective Date: July 1, 2026 Last Updated: July 1, 2026

Your privacy matters to us. This Privacy Policy (“Policy”) explains how iStudyhub Edutech & Co., operating under the brand name Study4Insurance (“Company”, “we”, “us”, “our”), collects, uses, stores, shares, and protects the information of users (“User”, “you”, “your”) of study4insurance.com and related services, including our Telegram community, YouTube channel, and courses delivered through our online course-delivery partner, ClassPlus (operated by Bunch Microtechnologies Private Limited) (“Website”, “Platform”).

By accessing or using the Platform, registering an account, or purchasing any course, you agree to the terms of this Policy. If you do not agree, please refrain from using the Platform.

This Policy is published in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023, and forms an electronic record that does not require any physical or digital signature.

1. Information We Collect

1.1 Personal Information, which may be collected during registration, purchase, or interaction with the Platform:

Full name
Mobile number
Email address
Date of birth / age (where relevant for exam eligibility guidance)
Address, where required for correspondence
Payment and transaction details (processed via secure third-party payment gateways; we do not store your card/UPI credentials)
Information you provide when contacting us via WhatsApp, Telegram, email, or phone
Employment/exam-related details (e.g., which exam you are preparing for), where voluntarily shared

1.2 Non-Personal Information, collected automatically:

IP address, device type, and browser type
Approximate location
Pages visited, time spent, and course progress/usage data
Login and access logs (including device used to access course content)

1.3 Where you access our courses and mock tests through our course-delivery partner ClassPlus, additional information may be collected directly by ClassPlus in accordance with their own privacy policy, as described in Section 4 below.

2. How We Collect Information

Information is collected when you:

Register on our Website or ClassPlus-hosted course platform
Purchase a course or mock test
Fill an inquiry/contact form
Interact with our chatbot, Telegram community (@INSURANCE_EXAM1), or customer support
Attempt mock tests, quizzes, or download study material
Voluntarily provide feedback, reviews, or testimonials

3. Purpose of Collecting Information

We use the information collected to:

Create and manage your account and provide access to purchased courses
Process payments and send purchase confirmations/receipts
Deliver course content, mock tests, current affairs updates, and study material
Track your exam preparation progress and provide performance analytics
Respond to queries, complaints, and support requests
Send updates about new courses, offers, or exam-related information (with opt-out available)
Improve our Website, courses, and content based on usage patterns
Detect and prevent fraud, unauthorized access, or misuse of our Platform
Comply with legal obligations under Indian law

4.1 ClassPlus: We use ClassPlus (Bunch Microtechnologies Private Limited) as our third-party technology partner to host and deliver our courses, video lectures, and mock tests. When you access our courses through the ClassPlus platform/app, your registration and usage information (name, phone number, email, course activity, test attempts, etc.) is also collected and processed by ClassPlus in accordance with their own privacy policy. We encourage you to review ClassPlus’s privacy policy for details on how they handle your data on their platform.

4.2 Payment Gateways: Payment processing is handled by secure, RBI-compliant third-party payment gateway providers. We do not store your complete card, UPI, or net-banking credentials.

4.3 Other Service Providers: We may share limited information with trusted third parties who assist us in operating the Platform (e.g., SMS/email service providers, analytics tools, hosting providers), solely for the purposes described in this Policy.

4.4 Legal Requirements: We may disclose information where required by law, court order, or government/regulatory authority, or to protect our rights, safety, or property, or that of our Users.

4.5 We do not sell your personal information to any third party for marketing purposes.

5. Cookies

Our Website may use cookies and similar tracking technologies to enhance user experience, remember preferences, and analyze traffic. You may disable cookies through your browser settings; however, some features of the Website may not function properly if cookies are disabled.

6. Third-Party Links

Our Website, Telegram channel, or course material may contain links to third-party websites (including ClassPlus, YouTube, or payment gateways) that have their own privacy policies. We are not responsible for the privacy practices or content of such third-party platforms. Accessing such links is at your own discretion.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfil the purposes outlined in this Policy, including for legal, accounting, or reporting requirements. Mock test attempt data and chat/support interaction records are generally retained for a reasonable period necessary for academic tracking and support purposes, after which they may be archived or deleted at our discretion.

8. Data Security

We implement reasonable technical and organizational security measures, including secure servers and encrypted payment processing, to protect your information from unauthorized access, alteration, or disclosure.
Access to your personal information within our organization is restricted to authorized personnel on a need-to-know basis.
Despite our best efforts, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security of information transmitted to us.

9. Your Rights

In accordance with the Digital Personal Data Protection Act, 2023 and applicable Indian law, you have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent for use of your information at any time (which may result in discontinuation of certain services)
Request deletion of your personal information, subject to our legal and legitimate business retention requirements
Raise a grievance regarding the handling of your information (see Section 11)

To exercise these rights, please write to us at the contact details in Section 12.

10. Children’s Privacy

Our courses are intended for individuals who are at least 18 years of age or preparing for professional/competitive examinations. Where a minor uses the Platform, it is assumed that consent of a parent/legal guardian has been obtained, and such use is deemed to be under their guidance and supervision. We do not knowingly collect personal information from children without such consent. If you become aware that a minor has provided us with personal information without parental consent, please contact us so we can take appropriate action, including deletion of such information.

11. Grievance Redressal

In compliance with the Information Technology Act, 2000 and rules made thereunder, any grievance or complaint relating to the processing of your information may be directed to our Grievance Officer:

Grievance Officer iStudyhub Edutech & Co. (Study4Insurance) 📧 Email: admin@study4insurance.com 📞 Phone: +91 8901664666 / +91 8901664777

We aim to acknowledge grievances within 48 hours and resolve them within 30 days.

12. Contact Us

For any questions regarding this Privacy Policy or our data practices, please contact:

iStudyhub Edutech & Co. (Study4Insurance) 📧 Email: admin@study4insurance.com 📞 Phone: +91 8901664666 / +91 8901664777 📍 Chandigarh, India

13. Governing Law & Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts at Chandigarh, India.

14. Updates to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Material changes affecting your rights will be notified through the Website. Any changes are effective immediately upon posting, and continued use of the Platform after such changes constitutes your acceptance of the revised Policy.

This Privacy Policy should be read along with our Terms & Conditions and Refund Policy.