🔒 Privacy Policy 🔒

Dharam Karam (“Company,” “We,” “Us,” “Our”) is committed to protecting your privacy and ensuring transparency in how we collect, process, store, and use your personal data. This Privacy Policy outlines our data handling practices in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and other applicable laws in India. By accessing or using our services, you consent to the collection and use of your personal information as described in this policy.

1. Scope & Applicability:

This Privacy Policy applies to:

• Users accessing our website, mobile application, or services.
• Individuals availing our puja services, temple offerings, puja kits, pilgrimage packages, or any related services.
• All personal data collected through online and offline channels, including website registrations, phone calls, and in-person interactions.

2. Information We Collect:

We collect the following categories of personal data:

2.1 Personal Information (Directly Provided by Users)

• Identity Information: Name, gender, age, photo (if required for bookings).
• Contact Information: Phone number, email address, postal address.
• Payment Information: Credit/debit card details, UPI IDs, and other financial transaction details (processed securely through third-party payment gateways).
• Religious Preferences: Type of puja/service requested, temple preferences, pilgrimage interests.

2.2 Automatically Collected Information

• Device Information: IP address, browser type, operating system, device type.
• Usage Data: Pages visited, time spent on our website, referral sources.
• Cookies & Tracking Technologies: To enhance user experience and for analytics purposes.

2.3 Third-Party Data Sources

• Payment processors (for transaction verification).
• Travel partners (for pilgrimage bookings).
• Government authorities (where legally required for verification purposes).

3. Purpose of Data Collection & Processing:

We collect and process personal data for the following purposes:

• Service Fulfillment: To book and manage puja services, pilgrimage packages, and product deliveries.
• Customer Support: To respond to inquiries, complaints, and requests.
• Transaction Processing: For secure payments and refunds.
• Legal Compliance: To comply with tax laws, legal obligations, and government requests.
• Marketing & Promotions: To provide updates about new services, offers, and religious events (with user consent).
• Fraud Prevention & Security: To detect unauthorized access or fraudulent activities.

We do not sell or trade your personal data with third parties for commercial gain.

4. Legal Basis for Processing Personal Data:

We process your personal data based on the following legal grounds under the DPDP Act, 2023:

• Consent: When you provide explicit consent for marketing, data storage, and non-essential services.
• Performance of Contract: When data is necessary to fulfill a requested service (e.g., booking puja services or pilgrimage tours).
• Legal Obligation: When processing is required to comply with laws (e.g., financial regulations, tax compliance).
• Legitimate Interests: When necessary for business operations such as fraud prevention, analytics, and service improvements.

5. Data Retention & Storage:

We retain your personal data only as long as necessary for the purposes mentioned or as required by law. Financial transaction records are maintained as per tax and audit regulations for at least 7 years. If a user requests account deletion, we will erase their personal data except where retention is legally required.

6. Data Sharing & Third-Party Disclosure:

We do not share personal data with third parties except in the following cases:

6.1 Service Providers & Partners

• Pandits, priests, and temples (for puja services).
• Travel agencies & hotels (for pilgrimage bookings).
• Logistics providers (for puja kit deliveries).
• Payment gateways (for secure transactions).

All third-party service providers are bound by confidentiality agreements and data protection obligations.

6.2 Legal & Regulatory Authorities

• Government agencies, law enforcement, or courts (under legal obligations).
• Tax authorities (for compliance with financial regulations).

7. User Rights Under the DPDP Act, 2023:

• ✅ Right to Access: Request a copy of the personal data we hold.
• ✅ Right to Correction: Update or correct inaccurate data.
• ✅ Right to Erasure: Request deletion of data under certain conditions.
• ✅ Right to Consent Withdrawal: Withdraw consent for marketing or data storage at any time.
• ✅ Right to Grievance Redressal: File a complaint regarding data misuse.

To exercise these rights, email us at dharamkaram0909@gmail.com

8. Data Security Measures:

We implement strict security measures to protect personal data, including:

• SSL Encryption for secure online transactions.
• Access Control: Restricted access to sensitive data.
• Regular Security Audits to prevent unauthorized breaches.
• Secure Payment Processing via PCI-DSS compliant payment gateways.

In case of a data breach, affected users will be notified as per legal requirements.

9. Cookies & Tracking Technologies:

Our website uses cookies and similar tracking technologies for:

• Enhancing user experience.
• Analyzing site traffic and trends.
• Providing personalized recommendations.

Users can disable cookies through browser settings. However, this may impact site functionality.

10. Third-Party Links:

Our website may contain links to external websites. We are not responsible for their privacy practices. Users should review third-party privacy policies before engaging with them.

11. Children’s Privacy:

Our services are not intended for children under 18. If we discover that a minor has provided personal data without parental consent, we will delete such information.

12. Changes to This Privacy Policy:

We may update this policy periodically. Changes will be posted on our website, and continued use of services implies acceptance of the revised policy.

13. Contact & Grievance Redressal:

For queries, complaints, or to exercise your data rights, contact us at:

• Business Name: Dharam Karam
• 📧 Email: dharamkaram0909@gmail.com
• 📞 Phone: 08446003488
• 📍 Address: Ground Floor, Gajmal Home, Beside Arnav Medical, Adjacent to Bhat Nursing Home, Kakade Park, Chinchwad, Taluka - Haveli, Pune, Maharashtra 411033