Privacy Policy

Last Updated: October 31, 2026 | Effective Date: October 31, 2026

1. Introduction & Overview

At Mosmo Guides ("we", "our", "us", or "the Platform"), we respect your privacy and are committed to safeguarding personal information collected through our website hosted at guide.mosmo.in. This Privacy Policy details our practices concerning the collection, storage, handling, and protection of information when you browse our catalog, purchase our digital educational guides, or contact our customer support.

2. Information We Collect

We collect only the information necessary to fulfill digital orders, verify transactions, and deliver customer support:

• Customer Contact Information: Your full name, email address, and optional telephone number provided voluntarily during the checkout flow or via our contact support forms.
• Transaction & Order Records: Details regarding guides purchased, price paid, timestamp, unique Razorpay Order ID, Razorpay Payment ID, and delivery download fulfillment status.
• Technical & Usage Information: Standard server logs, IP addresses, browser user agent, and basic diagnostic metadata provided during HTTP interactions, used strictly for system security, rate limiting, and fraud prevention.

3. Payment Processing via Razorpay

All financial payments on Mosmo Guides are processed securely through Razorpay Software Private Limited ("Razorpay"). When you click "Buy Now" and initiate payment, your payment details (such as UPI IDs, debit/credit card numbers, expiry dates, CVVs, or net banking authentication) are entered directly into Razorpay's encrypted checkout interface.

Crucial Assurance: We never receive, process, or store your sensitive credit card, debit card, UPI PIN, or bank account credentials on our servers. Razorpay processes and stores financial information in compliance with the Payment Card Industry Data Security Standard (PCI-DSS) and applicable Reserve Bank of India (RBI) regulations.

4. Purpose and Legal Basis of Data Collection

We use collected personal information exclusively for:

• Generating and fulfilling digital product download tokens upon verified payment.
• Transmitting transaction receipts, order references, and download links to your designated email.
• Validating backend cryptographic signatures and preventing duplicate or fraudulent transactions.
• Responding to your customer service questions, inquiries, and technical delivery requests.
• Complying with statutory accounting, tax, and commercial recordkeeping obligations under Indian law.

5. Cloud Infrastructure & Data Storage

Our website frontend, backend API, database records, and digital file assets are hosted on Cloudflare, Inc. infrastructure, including Cloudflare Pages, Cloudflare Workers, Cloudflare D1 (serverless SQL database), and Cloudflare R2 (object storage). Data is transmitted over industry-standard Transport Layer Security (TLS 1.3 / SSL) encryption.

6. Cookies and Tracking Technologies

We believe in clean, privacy-respecting technology. We do not deploy third-party advertising cookies, cross-site trackers, or behavioral profiling scripts. The only cookies utilized on our domain are strictly functional session cookies required for authorized administrative authentication.

7. Third-Party Disclosures

We do NOT sell, rent, monetize, or trade your personal information with data brokers or marketing affiliates under any circumstances. We disclose information only to vetted third-party service providers directly essential to our operations:

• Payment Gateway: Razorpay (to verify payments and manage refunds).
• Cloud Hosting & Storage: Cloudflare (for edge computing, secure database, and encrypted storage).
• Transactional Email: Configured email service provider (to dispatch digital product download links and receipts).
• Legal Authorities: If required by a valid court order, subpoena, or applicable Indian law enforcement directive.

8. Data Retention

We retain customer transaction records, payment logs, and delivery receipts for as long as necessary to maintain proof of purchase, fulfill customer support inquiries, prevent fraud, and comply with applicable tax and commercial reporting statutes.

9. Your Privacy Rights

Under applicable Indian data protection principles, you hold the right to inquire about personal data held concerning your purchases, request correction of inaccurate contact records, or request deletion of non-essential records (subject to mandatory legal, statutory, and accounting retention requirements). To exercise these rights, please contact our support team.

10. Contacting Us & Policy Updates

We may update this Privacy Policy periodically to reflect technological, operational, or legal developments. Material amendments will be denoted by updating the "Last Updated" date at the top of this document. For inquiries regarding this Privacy Policy, please write to us at support@mosmo.in or via our Contact Page.