Privacy Policy

Privacy Policy

Last updated: August 8, 2026

PolicyBanaoo (“we”, “us”, “our”) operates the website policybanaoo.com (the “Site”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the Site. By using the Site, you agree to the practices described here. If you do not agree, please discontinue use of the Site.

1. Information We Collect

a) Information you voluntarily provide

  • Email address and (optionally) name when you subscribe to our newsletter via the form on /newsletter/.
  • Information you submit if you contact us via the Contact page or email.

b) Information collected automatically

  • Cookies and similar technologies — small files stored on your device to remember preferences and measure usage.
  • Google Analytics 4 (GA4, ID G-H36C0GJLL2) — collects anonymized usage data (pages viewed, device type, approximate location, referrer). GA4 does not log IP addresses in full; we have IP-anonymization enabled.
  • Server logs — IP address, browser type, referring page, and timestamp, retained by our hosting provider (Hostinger) for security and abuse prevention.

2. How We Use Your Information

  • To deliver and improve Site content.
  • To send newsletters (only if you opted in; double opt-in via Listmonk).
  • To respond to your messages.
  • To analyze traffic and usage trends via GA4.
  • To detect and prevent spam, abuse, or security incidents.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

3. Cookies

The Site uses cookies for the following purposes:

  • Strictly necessary cookies — WordPress session, security, and load-balancing cookies.
  • Analytics cookies — Google Analytics 4 (see Google’s cookie policy).
  • Newsletter cookies — Listmonk tracking pixels to measure campaign performance.

You can disable cookies via your browser settings. Disabling strictly necessary cookies may break core site functionality.

4. Third-Party Services

  • Hostinger — hosting provider; processes server logs and stores Site content.
  • Google Analytics 4 — analytics. See Google Privacy Policy.
  • Listmonk — self-hosted email newsletter platform; stores your email and name if you subscribe.
  • Cuelinks (when wired) — affiliate network; tracks outbound clicks to bank/insurer sites. See Cuelinks Privacy Policy.

5. Data Retention

  • Newsletter subscription data: until you unsubscribe.
  • Contact form / email messages: up to 24 months, unless required longer for legal reasons.
  • Server logs: typically 30–90 days per Hostinger’s policy.
  • GA4 data: 14 months (GA4 default retention).

6. Your Rights

Under the Digital Personal Data Protection Act, 2023 (India), the Information Technology Act, 2000, and applicable rules, you have the right to:

  • Access the personal data we hold about you.
  • Request correction of inaccurate data.
  • Request deletion (right to erasure).
  • Withdraw consent (e.g., unsubscribe from the newsletter).
  • Complain to the Data Protection Board of India.

To exercise any of these rights, contact us at tools@mobtions.com. We respond within 30 days.

7. Children’s Privacy

The Site is intended for users aged 18 and above. We do not knowingly collect personal information from anyone under 18. BFSI products (credit cards, loans, insurance) are restricted to adults under Indian law. If you believe a minor has provided us data, contact us and we will delete it promptly.

8. International Transfers

Some third-party services (Google, in particular) may process data outside India. By using the Site, you consent to such transfers where necessary to deliver the service. We rely on providers that maintain adequate security standards.

9. Security

We use industry-standard measures (HTTPS, hardened WordPress, Wordfence Security, restricted admin access) to protect your information. No method of transmission over the Internet is 100% secure; we cannot guarantee absolute security.

10. Grievance Officer

In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021:

  • Grievance Officer: Varun Agarwal
  • Email: tools@mobtions.com
  • Response time: within 15 days of receipt

11. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the latest revision. Material changes will be highlighted on the Site homepage for at least 14 days.

12. Contact

For privacy questions, contact tools@mobtions.com. See also our Contact page.