Privacy Policy
Thiruvalluvar Lakshmi Privacy Policy
1. Introduction and Data Transmission
Welcome to Thiruvalluvar Lakshmi, a specialized application for managing personal savings plans. We hold your privacy in the highest regard and operate in strict compliance with India's Digital Personal Data Protection Act (DPDPA). This policy outlines our commitment to transparency regarding how your information is handled. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.thiruvalluvarlakshmi.com.
2. Detailed Data Acquisition and Rationale
To ensure the integrity of your financial planning and system security, we collect the following data with your explicit consent:
2.1. Mobile Number (Mandatory)
Purpose: Functions as your primary account identifier to secure access and prevent identity theft within the savings platform.
Protection: Stored on fortified servers using advanced cryptographic standards.
2.2. Email Address (Optional)
Purpose: Used to deliver digital savings summaries, milestone alerts, and official correspondence.
Protection: Isolated behind high-tier firewalls to prevent unauthorized external access.
2.3. Camera and Visual Content (Optional)
Purpose: Facilitates the submission of KYC documentation or profile personalization.
Protection: Visual data is processed exclusively for identity verification and is not utilized for any other intent.
2.4. Emergency Contact Details (Mandatory)
Purpose: Acts as a backup communication channel for urgent security notifications or account recovery should the primary user be unreachable.
Protection: Access is restricted to authorized security personnel with end-to-end encryption.
2.5. Identification Codes (User/Device/Ad ID - Optional)
Purpose: Aids in detecting fraudulent activities and multi-device intrusion while optimizing personalized financial insights.
Protection: Data is pseudonymized to ensure it remains disconnected from your biological identity.
2.6. General Location Information (Optional)
Purpose: Used to verify that financial transactions and activities are conducted within legitimate regional boundaries to prevent fraud.
Protection: We only monitor city-level area data, not your precise real-time movements.
2.7. Application Fault Reports (Mandatory)
Purpose: Captures technical diagnostic data during crashes to assist our developers in maintaining a bug-free environment for financial calculations.
Protection: These logs are strictly technical and contain zero Personally Identifiable Information (PII).
2.8. Installed Application Inventory (Mandatory)
Purpose: Critical for identifying malicious software or conflicting apps that may jeopardize the security of your savings data.
Protection: This metadata is for internal security audits only and is never shared for advertising purposes.
2.9. Call Log Access (Optional)
Purpose: Used solely for one-time verification of an automated authentication call, eliminating the need for manual OTP entry.
Protection: We do not monitor or archive your private conversations; only the verification signal is captured.
2.10. Device Technical Specifications (Mandatory)
Purpose: Includes battery status, storage, hardware specs, memory, and sensor data. This ensures the app adapts to your device's capabilities for a stable experience.
Protection: Technical metadata is used exclusively for performance tuning and system integrity.
3. Data Governance and Rights
Retention: Data is kept while your account is active. Per regulatory mandates, specific transaction-related records may be archived for five years following account closure.
User Rights: You may exercise your right to erase data or withdraw consent by contacting us at business@thiruvalluvarlakshmi.com. Requests will be processed within 15 business days.
4. Contact Details
For any grievances or privacy-related inquiries: