Legal
Privacy Policy
This Privacy Policy explains how Rita Enterprises, operating under the brand Simple Wealth Club, hereinafter referred to as “we”, “us” or “our”, collects, uses, stores and shares personal information when you visit www.thesimplewealthclub.com, purchase our products, access Simple Wealth Club, subscribe to our communications, participate in our programs or otherwise interact with us.
We respect your privacy and are committed to handling personal information responsibly and in accordance with applicable Indian law.
By using our website or providing personal information to us, you acknowledge the practices described in this Privacy Policy.
Where consent is required by applicable law for a particular type of processing, we will obtain such consent as required.
INFORMATION WE MAY COLLECT
Depending upon how you interact with us, we may collect the following categories of information.
a. Personal identification information, such as your name.
b. Contact information, such as your email address and telephone number.
c. Billing and transaction information, including purchase amount, order details, payment status, transaction identification numbers and invoices.
d. Account information used to provide access to Simple Wealth Club or another purchased product.
e. Course activity information, such as enrolment, login or access activity and use of course resources where our platform makes such information available.
f. Communications that you send to us through email, WhatsApp, social media, forms, support requests or other communication channels.
g. Information that you voluntarily provide through surveys, forms, questionnaires, feedback requests or program activities.
h. Technical information that may be automatically collected when you use our website, such as IP address, browser type, device information, approximate location based on IP address, pages viewed and website activity.
i. Marketing preferences, including whether you have subscribed to or unsubscribed from promotional communications.
j. Testimonials, feedback, photographs, videos or other information that you voluntarily provide to us, subject to any additional permission required for public promotional use.
PAYMENT INFORMATION
Payments for our products and services may be processed through third party payment providers such as Razorpay.
We do not ordinarily receive or store complete card details, UPI credentials, banking passwords or similar authentication information used by the payment provider to authorise your transaction.
Payment providers process payment information according to their own terms and privacy practices.
We may receive transaction related information necessary to verify your payment, fulfil your purchase, maintain accounting records, address payment disputes and provide customer support.
HOW WE COLLECT INFORMATION
We may collect information when you:
a. Visit our website.
b. Complete a form.
c. Download a free resource.
d. Subscribe to our email list.
e. Purchase Simple Wealth Club or another product.
f. Create or receive access to a course account.
g. Contact us through email, WhatsApp or social media.
h. Attend a session or participate in our programs.
i. Submit feedback or a testimonial.
j. Interact with emails or website features where tracking functionality is enabled.
k. Communicate with our customer support or team.
We may also receive relevant information from service providers that assist us in operating our business, such as payment processors and course hosting platforms.
HOW WE USE PERSONAL INFORMATION
We may process personal information for purposes including:
a. Processing and verifying purchases.
b. Creating and managing course access.
c. Delivering digital products, resources and bonuses.
d. Sending purchase confirmations and transactional emails.
e. Providing customer support.
f. Responding to access problems, questions and complaints.
g. Managing live sessions and program communications.
h. Maintaining transaction and enrolment records.
i. Preventing fraud, account misuse and unauthorised sharing.
j. Protecting our intellectual property and platform security.
k. Investigating payment disputes and chargebacks.
l. Maintaining records relevant to disputes or legal claims.
m. Complying with applicable tax, accounting, regulatory and legal obligations.
n. Improving our website, courses, resources and customer experience.
o. Understanding how users interact with our website and services.
p. Sending educational, promotional or marketing communications where permitted by applicable law.
q. Maintaining records of communication preferences and consent where applicable.
We will endeavour to process personal information only for lawful and appropriate purposes.
COURSE ACCESS AND ACTIVITY RECORDS
Our course platform may record information concerning enrolment and use of Simple Wealth Club.
Depending upon the functionality available through our service providers, this may include:
a. Date and time of enrolment.
b. Account login or access activity.
c. Course or lesson activity.
d. Delivery of digital resources.
e. Account information.
f. Other technical logs associated with use of the platform.
These records may be used to operate the course, provide support, maintain security, investigate account sharing, establish delivery of purchased services and resolve legitimate payment or legal disputes.
EMAIL COMMUNICATIONS
If you subscribe to our mailing list, request a free resource, purchase a product or otherwise provide your email address, we may send communications relevant to your interaction with us.
Transactional communications may include:
a. Purchase confirmations.
b. Payment information.
c. Login or access information.
d. Important course updates.
e. Support responses.
f. Changes materially affecting a purchased service.
Marketing communications may include educational content, product announcements, offers or promotional material where permitted by applicable law.
Where required, marketing consent will be collected separately or otherwise handled in accordance with applicable law.
You may unsubscribe from marketing emails using the unsubscribe option contained in applicable emails or by contacting us.
Unsubscribing from promotional communications does not necessarily prevent us from sending necessary transactional or service related communications concerning an existing purchase or account.
WHATSAPP AND SOCIAL MEDIA COMMUNICATIONS
If you voluntarily communicate with us through WhatsApp, Instagram, Facebook or another social media platform, the relevant platform may independently collect and process information according to its own privacy practices.
Information that you send directly to us through those channels may be retained where reasonably necessary to respond to your request, provide support, maintain appropriate business records or address disputes.
Joining a WhatsApp channel, social media account or other external community may also be subject to the privacy terms of the relevant third party platform.
COOKIES AND SIMILAR TECHNOLOGIES
Our website or the services used to operate it may use cookies and similar technologies.
These technologies may be used to:
a. Enable website functionality.
b. Remember preferences.
c. Maintain sessions.
d. Understand website traffic.
e. Measure performance.
f. Improve user experience.
g. Support analytics or advertising where such functionality is enabled.
Where consent for non essential cookies is required under applicable law, we will endeavour to provide an appropriate consent mechanism.
Users may also be able to manage certain cookies through their browser settings.
Disabling some cookies may affect website functionality.
THIRD PARTY SERVICE PROVIDERS
We rely on third party service providers to operate portions of our business.
Depending upon the service being provided, personal information may be processed by providers involved in:
a. Website and course hosting, including Systeme.io.
b. Payment processing, including Razorpay.
c. Email delivery and marketing communications.
d. Video conferencing.
e. Cloud storage.
f. Website analytics.
g. Customer communication.
h. Social media and messaging.
i. Technical infrastructure and security.
j. Business administration.
We share personal information with service providers only to the extent reasonably necessary for the relevant business purpose or as otherwise permitted by applicable law.
These providers may operate under their own terms, privacy policies and data processing practices.
THIRD PARTY PLATFORMS AND LINKS
Our website, course or communications may contain links to third party websites, tools or services.
We are not responsible for the independent privacy practices of websites or services that we do not control.
Users should review the privacy policies of third party services before providing personal information directly to those services.
SHARING OF PERSONAL INFORMATION
We may share relevant personal information:
a. With service providers necessary to operate our website, course and business.
b. With payment providers for transaction processing and dispute management.
c. With professional advisers where reasonably necessary for legal, accounting, tax or compliance purposes.
d. With banks, payment providers or relevant financial institutions in connection with a legitimate chargeback or payment dispute.
e. With government authorities, regulators, courts or law enforcement where disclosure is required or authorised by applicable law.
f. Where reasonably necessary to establish, exercise or defend legal rights or claims.
g. With another entity as part of a lawful business restructuring, transfer or similar transaction, subject to applicable requirements.
We do not disclose personal information merely because an unrelated third party requests it.
PAYMENT DISPUTES AND LEGAL CLAIMS
Where a customer initiates a payment dispute, chargeback, legal complaint or other formal dispute concerning a transaction, we may retain and disclose information reasonably relevant to establishing the circumstances of the transaction.
Such information may include:
a. Purchase records.
b. Payment information available to us.
c. Course enrolment records.
d. Access or delivery information.
e. Relevant communications.
f. Acceptance records relating to applicable terms or policies.
g. Other records reasonably relevant to the dispute.
Such information may be provided to payment providers, banks, professional advisers, courts, consumer authorities or other competent authorities where reasonably necessary and legally permissible.
DATA RETENTION
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or for other lawful purposes.
Different categories of information may be retained for different periods.
Relevant information may be retained where necessary for:
a. Providing ongoing course access.
b. Customer support.
c. Transaction and accounting records.
d. Tax and regulatory compliance.
e. Fraud prevention.
f. Security.
g. Establishing the delivery of purchased products or services.
h. Responding to payment disputes or chargebacks.
i. Establishing, exercising or defending legal claims.
j. Compliance with applicable retention requirements.
When personal information is no longer reasonably required and no applicable law or legitimate requirement requires continued retention, we may delete, anonymise or otherwise securely dispose of it.
Where a specific retention period is prescribed by applicable law, we will endeavour to comply with that requirement.
SECURITY OF PERSONAL INFORMATION
We take reasonable administrative, organisational and technical measures appropriate to our business to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.
However, no website, internet transmission, cloud platform or electronic storage system can be guaranteed to be completely secure.
Users are also responsible for protecting passwords and account credentials associated with their course access.
If you believe that your Simple Wealth Club account or personal information has been compromised, please contact us promptly at smriti@thesimplewealthclub.com.
INTERNATIONAL PROCESSING
Some service providers used by our business may operate infrastructure or process information outside India.
Accordingly, personal information may, where legally permissible, be processed or stored in countries other than India.
Where cross border processing is subject to restrictions or requirements under applicable law, we will endeavour to comply with those requirements.
CHILDREN'S PERSONAL INFORMATION
Simple Wealth Club is primarily intended for adults and is not designed for knowingly collecting personal information from children without appropriate authorisation.
Where applicable law requires parental or guardian consent before processing a child's personal information, we will take reasonable steps to comply with such requirements.
If you believe a child has provided personal information to us without appropriate authorisation, please contact us at smriti@thesimplewealthclub.com.
YOUR PRIVACY REQUESTS
Subject to the commencement and applicability of relevant legal provisions and any exceptions permitted by law, individuals may have rights concerning their personal information, including rights relating to:
a. Access to information concerning their personal data.
b. Correction of inaccurate personal data.
c. Completion or updating of relevant personal data.
d. Erasure where applicable.
e. Withdrawal of consent where processing is based on consent.
f. Grievance redressal.
Other rights may become applicable according to applicable Indian data protection law.
To submit a privacy request, contact:
smriti@thesimplewealthclub.com
We may need to verify your identity before acting on a request where reasonably necessary to prevent unauthorised disclosure, deletion or alteration of another person's information.
Certain information may need to be retained despite an erasure request where continued retention is required or permitted by applicable law, including relevant transaction, accounting, security or legal records.
WITHDRAWAL OF CONSENT
Where processing is based on consent and applicable law provides a right to withdraw such consent, you may request withdrawal through the method provided at the point of collection or by contacting us.
Withdrawal will apply to future processing that depends upon the withdrawn consent.
It does not automatically affect processing lawfully undertaken before withdrawal or processing that may continue on another lawful basis where permitted by applicable law.
CORRECTION OF INFORMATION
If personal information you have provided to us is inaccurate or incomplete, you may contact us to request an appropriate correction or update.
We may request information reasonably necessary to verify the request.
DATA BREACHES
If we become aware of a personal data breach, we will take reasonable steps to investigate, contain and address the incident.
Where notification to affected individuals, the Data Protection Board of India or another authority is required under applicable law, we will make such notification in accordance with the applicable legal requirements.
TESTIMONIALS AND PUBLIC CONTENT
We may request customer feedback or testimonials.
Providing feedback does not automatically mean that we may publicly use your name, photograph, video or other identifiable information for promotional purposes.
Where consent or other authorisation is required for such public use, we will seek the appropriate permission.
If a testimonial is used pursuant to permission previously provided and you later have a concern about its continued use, you may contact us.
CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect changes to our business, technology, service providers or legal obligations.
The current version will display the applicable Last Updated date.
Material changes affecting how personal information is handled will be communicated where required by applicable law.
RELATIONSHIP WITH OTHER POLICIES
This Privacy Policy should be read together with our Terms and Conditions, Refund and Cancellation Policy and any additional privacy notice or consent presented at the point where particular personal information is collected.
Where a more specific privacy notice is provided for a particular processing activity, that notice may supplement this Privacy Policy.
PRIVACY CONTACT AND GRIEVANCES
If you have questions, concerns or requests relating to this Privacy Policy or our handling of your personal information, please contact:
Business / Legal Name: Rita Enterprises
Brand: Simple Wealth Club
Website: www.thesimplewealthclub.com
Email: smriti@thesimplewealthclub.com
Business Address: [REGISTERED / PRINCIPAL BUSINESS ADDRESS]
We will endeavour to review and address legitimate privacy grievances in accordance with applicable law.
APPLICABLE LAW
This Privacy Policy is governed by applicable laws of India.
Nothing in this Privacy Policy is intended to limit any privacy or data protection right that cannot lawfully be limited.