Privacy and Payment Policy for Chartered Munshi

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Privacy Policy​

This Privacy Policy governs the manner in which Chartered Munshi collects, uses, maintains, and discloses information collected from users of the http://charteredmunshi.com website ("Site"). This privacy policy applies to the Site and all products and services offered by Chartered Munshi.

1. Personal Identification Information

   We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, and in connection with other activities, services, features, or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number, and other relevant details. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identifiable information, except that it may prevent them from engaging in certain Site-related activities.

2. Non-Personal Identification Information

   We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, and technical information about Users' means of connection to our Site, such as the operating system, the Internet service providers utilized, and other similar information.

3. Web Browser Cookies

   Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies or to alert them when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

4. How We Use Collected Information

   Chartered Munshi may collect and use Users' personal information for the following purposes:

   • To improve customer service: Information you provide helps us respond to your customer service requests and support needs more efficiently.

   • To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.

   • To improve our Site: We may use feedback you provide to improve our products and services.

   • To process payments: We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.

   • To run a promotion, contest, survey, or other Site feature: To send Users information they agreed to receive about topics we think will be of interest to them.

   • To send periodic emails: We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

5. How We Protect Your Information

   We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our Site. Sensitive and private data exchange between the Site and its Users happens over an SSL secured communication channel and is encrypted and protected with digital signatures. Our Site is also in compliance with PCI vulnerability standards to create as secure an environment as possible for Users.

6. Sharing Your Personal Information

   We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

7. Compliance with Children's Online Privacy Protection Act

   Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.

8. Changes to This Privacy Policy

   Chartered Munshi has the discretion to update this privacy policy at any time. When we do, we will send you an email. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

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Payment Policy

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1. Accepted Methods of Payment

   We accept the following methods of payment:

   • Credit/Debit Cards

   • PayPal

   • Bank Transfers

   • UPI Payments (for Indian clients)

2. Payment Terms

   Payment is due at the time of order placement unless otherwise agreed upon in writing. For subscription-based services, payments will be automatically charged to your selected payment method at the start of each billing cycle.

3. Refund Policy

   • Digital Products: Due to the nature of digital products, all sales are final. We do not offer refunds for digital products once the order is confirmed and the product is delivered.

   • Services: Refunds for services will be considered on a case-by-case basis. If you are not satisfied with the service provided, please contact us within 7 days of service delivery to discuss a resolution.

4. Late Payments

   If payment is not received by the due date, a late fee may be applied. Continued non-payment may result in suspension or termination of services.

5. Billing Disputes

   If you believe there is an error on your bill, please contact us immediately. We will review your account and resolve any discrepancies as soon as possible.

6. Confidentiality

   All payment information is treated with the highest level of security and confidentiality. We use secure payment gateways to process transactions and do not store any sensitive payment information on our servers.

For any questions or concerns regarding our privacy and payment policies, please contact us at support@charteredmunshi.com.

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