This Privacy Policy explains how information is collected, used, and disclosed by Karmja.com as well as associated app and application of Karmja.com (“Karmja.com,” “we,” “us,” or “our”) in connection with your use of our websites, online services, and mobile applications that link to this Privacy Policy (each a “Service”; collectively, “Services”). Each time you use any Service, you consent to our collection, use, and/or disclosure of your information as described in this Privacy Policy. Each time you allow others to use any Service via your account, you confirm that you have the right to consent on their behalf to our collection, use and disclosure of their information as described in detail below. Accordingly, we urge you to read this Privacy Policy in full, as well as our Terms of Service, and contact us if you have any question.

We market and sell our products to students who purchase or otherwise subscribe to our Services, which can then be used only by himself/herself. We respect all of our users’ privacy, but we recognize the need to provide additional privacy protections with respect to the personal information we collect from users.

• 1. We don’t ask for any information for reading the blog, current Affairs, exam updates and free study material.
• 2. When you use our contact us form, sign up on our website, subscribe for our posts, send us email we receive your name and e-mail address.

We use google analytics to receive data regarding your log files and do not use any additional mechanism to retrieve your personal information. The data received by us from google analytics includes standard information as with majority of sites including the browser you used to visit our site, your ISP , IP address, the time you visited our site and which pages you visited throughout our site are received at our end through google analytics.

Throughout this Privacy Policy, we use the term “Personal Information” to describe information that can be used to directly or indirectly contact or identify you, such as your full name, home or other physical address, email address, and telephone number. Personal Information also includes anonymous information that is linked to information that can be used to directly or indirectly contact or identify you.

Personal Information does not include information that has been made anonymous or aggregated so that it can no longer be used, whether in combination with other information or otherwise, to contact or identify you. We use the term “Non Personal Information” to describe information that cannot be used to directly or indirectly contact or identify you and that is not linked to information that can be used to directly or indirectly contact or identify you. Non Personal Information includes passively collected information about your activities on our Services, such as usage data, to the extent that information is not linked to your Personal Information.

We do not additionally push any particular cookies. However, your browser as part of its built in settings may be storing certain cookies.

• The information contained herein is of a general nature and is not intended to address the requirements, circumstances of any particular individual or entity.
• The content provided in karmja.com treats the subjects, information, articles covered here in condensed form and so any information that you receive from this blog should not be used as a substitute for advice, programs, or treatment that you would normally receive from a licensed professional such as a doctor, lawyer,…etc.
• It does not provide any guarantees, warranties, or assurances of any kind, and shall not be responsible for any interpretation made or use by the user/ recipient of the information.
• By accessing and utilizing karmja.com and receiving updates and information you agree to release karmja.com in form any and all liability with regard to the contents of the blog.
• While we make every effort to ensure accuracy of the information published in our blog, the authors and karmja.com does not accept responsibility for any error or omission. Consequently, before acting on any information it is required that the use/subscriber/viewer personally checks the information. This disclaimer applies to all sub-domains of karmja.com and all other activities/tasks by karmja.com and its authors including activities such as email assistance, email updates, pdf-versions of articles, video lessons, online test and any other thing associated with this site.
• Karmja.com has no relationship with any publishers, coaching institutes, or any other education related institution.
• It has it’s title as “Karmja.com” is a personal blog and bears no relationships with any other website, blog, competition magazine, News magazine book, Newsletter or other electronic /print publications.
• Though we will try our level best, we do not guarantee that the service will be error free, uninterrupted, free from viruses, bugs or other harmful objects.

The content of karmja.com is protected by copyright and should not be reproduced in other websites, blogs, mobile applications, magazines, e-magazines or any other electronic / print media, unless and until you have prior written consent from the author. Appropriate Legal Action will be taken against those who violate the copyright of Karmja.com, its author(s), to claim any financial/ moral loss caused by action of the user of this website.

The files, text, videos, animations contained in the Applications / Websites are the sole copyright of karmja.com. You do not have the right to save/distribute them separately without prior written permission from us.

student must create accounts in order to purchase a subscription to any Service or to secure free trial access to any Service. During our online purchase process, we collect and store your first and last name, street address, email address, phone number, and mobile number. We also collect the username, password, and security question and answer you create. If you choose to pay with a credit/debit card, we collect your credit/debit card number, card type, expiration date, and security code. We transmit this payment information for processing, and we do not store this information. If you choose to create an account for free trial access to any Service, we collect and store your full name, street address, and email address, occupation, and username during that process. Following both account creation processes, we also collect information about whether you opt in to receive our e- News, updates, and offers.

We will not use the Personal Information collected during the account creation process for any purposes other than securing verifiable parental consent; fulfilling requested transactions; sending you order confirmations and other notifications or that are required by law; providing you with access to the Services, including ensuring proper licensing and providing necessary copyright permissions; and providing the customer service, technical support, and sales support you request. The above information

may be used by us to get in touch with you either for product support purpose or for marketing/sales purpose. This information is retained by us till the user uses our facilities and may continue to be held for a reasonable time thereafter. While registering on the Applications / Websites, the user acknowledges that he will receive his 4 digit account password through SMS and will also receive other transactional SMS on his registered mobile number.

If you don’t want to receive transactional SMS on your registered mobile number, then please send an email to helpdesk.karmja@gmail.com stating so. Note- Minors are not eligible to use our services, if they wish to do so, then it should be made available to them by their legal guardian or parents.

Certain of our Services - Online test, current Affairs, blog, video lessons, Notes, for online learning beyond downloadable and viewable resources for users. Any time you request that we reset your password and submit your email address as part of that process, we collect your email address.

We will not use this Personal Information for any purposes other than verifying your identity and authenticating your login; facilitating your access to content; and monitoring subscription compliance. If you personally purchase access to any Service, we may use your user credentials to provide the customer service, technical support, and sales support you request. If an individual purchases access to any Service on your behalf, we display your login credentials on your designated karmja.com coordinator’s online “Accounts Site” to facilitate access to content.

If you are a reader access to our Services that provide tools for online learning, the first time you login to the karmja portal, you must enter your first and last name, class name, grade level, and exam name, and we collect that information. Once you create a learner account in the portal, you can access classroom facilities that become available as your subscription in our Services.

We collect and retain Personal and Non-Personal Information from you when you send us a message or chat with us via our website, when you send us an email, or when you sign up for a newsletter on our website. We use such information solely to provide the services or support you request.

We automatically receive and record certain technical information from your browser as you use our Services, including your IP address, to improve the functionality of our Services. When we collect an IP address, we combine it with other information submitted by the user’s browser, such as requests for files from the web server. We compile this information to create access logs, which we analyze to determine trends, such as which pages are used the most, which browsers are most frequently used by visitors to access the site, and which areas of the world site users are accessing our products from most frequently. Our access logs do not contain any information which can be uniquely associated with any particular IP address or Personal Information about any individual user.

We will not share any information collected through our Services with third parties, except as described below. We do not share Personal Information with third parties for their own marketing purposes.

We may share Personal Information with third-party service providers only if necessary for them to perform services on our behalf, including without limitation service providers who provide email services, process credit card payments, and provide services in support of our internal operations.

We may share Personal Information with our parent company and other karmja.com affiliated companies. If we enter into a business transition such as a merger, consolidation, acquisition, sale of assets, joint venture, securities offering, bankruptcy, reorganization, liquidation, or dissolution, your Personal Information may be among the assets we transfer. You acknowledge and consent that such transfers are permitted by this Privacy Policy, and that any acquirer of ours or that acquirer’s affiliates may continue to collect and use your Personal Information as set forth in this Privacy Policy.

We reserve the right to disclose Personal Information when required to do so by applicable law—for example, in response to a court order, subpoena, legal process, or other claim or inquiry. We also may disclose Personal Information in response to a law enforcement agency’s request or where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the rights, property, or safety of any person, violations of our Terms of Service, or to verify or enforce compliance with the policies governing our Services and applicable laws, or as otherwise required or permitted by law or legal requirements.

We may share your Personal Information with a third party if you consent to the sharing.

This Privacy Policy does not limit our use of any Non-Personal Information, and we reserve the right to use and disclose such information to third parties at our discretion.

We provide you the ability to exercise certain controls and choices regarding our collection, use and disclosure of your information. If you opt in to receive our e- News, updates, and offers, you consent to receive certain email communications from us, which may include newsletters, administrative notices, and special offers. You have a choice at any time to stop us from sending you emails for marketing purposes by updating your email preferences.

Please note that, despite any indicated email marketing preferences, we may still send you administrative emails regarding the operation of our Services.

If the Personal Information you provided when you created an account changes, you must promptly notify us of those changes. You have the right to access, update and correct factual inaccuracies in the Personal Information that we collect through our Services, subject to certain exceptions. If you want to access, update, or correct your Personal Information, simply edit your profile. To help protect your privacy and the security of your Personal Information, we may request information from you to enable us to confirm your identity and right to access such information, as well as to search for and provide you with the Personal Information that we maintain. For information about how to review the Personal Information we collect from user.

Note:- There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the Personal Information that we hold about you. In addition, your Personal Information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to your Personal Information, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions.

If you no longer wish to have your information collected by an application installed on a mobile device, you may uninstall the application by using the standard uninstall processes available on the mobile device or via the mobile application marketplace or network.

If you no longer wish to use our Services, you may close your account by contacting us. The user may contact karmja.com at helpdesk.karmja@gmail.com. If you close your account, we have no obligation to retain your information, and we may delete any or all of your information without liability. However, we may retain information related to you if we believe it may be necessary to prevent fraud or future abuse, if required by law, or for legitimate business purposes, such as analysis of aggregated, Non Personal Information, account recovery, auditing our records, and enforcing our rights and obligations under our agreements. We disclaim any liability in relation to the deletion or retention (subject to the terms of this Privacy Policy) of information or any obligation not to delete your information.

We are based in the Rajasthan, and the information we collect is governed by and operated in accordance with Rajasthan State law. If you are using the Services outside the Rajasthan State, you consent to having your information and data transferred to other States and countries. While users from states or countries other than the Rajasthan may access certain of our Services, we make no representation that the Services are operated in accordance with the laws or regulations of, or governed by, other nations. If you are from any jurisdiction with laws or regulations governing the use of the Internet, including the collection, use and disclosure of Personal Information, that are different from those of the Rajasthan State, you may only use the Services in a manner lawful in your jurisdiction.

We use reasonable technical, administrative, and physical security measures designed to safeguard and help prevent unauthorized access to your information, maintain data security, and correctly use the information we collect. These measures include, but are not limited to, the use of encryption, physical access controls, information access controls, and anti-virus and anti-malware software. Additionally, your account is protected by the password you use to access your online account, and we urge you to take steps to keep your username and password safe. If you feel your password or a password of a student user has been compromised, you should change it immediately. When you are finished using our Services, you should log out of your account and exit your browser. Users are responsible for notifying us immediately of any known or suspected unauthorized use(s) of account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of login credentials. Any fraudulent, abusive, or otherwise illegal activity on your account may be reported to appropriate law enforcement agencies by us.

Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. We cannot guarantee or warrant the security of any information you disclose or transmit to us on or through the Services and cannot be responsible for the theft, destruction, loss or inadvertent disclosure of your information.

We may provide links to other websites that we believe may be of interest to our users. However, we are not responsible for the privacy practices employed by those websites, nor are we responsible for the information or content they contain. This Privacy Policy applies solely to information collected by us through our Services; thus, when you use a link to navigate to a third-party website, this Privacy Policy is no longer in effect. We encourage our users to read the privacy policies of these other websites before proceeding to use them.

We make use of some third-party services in our application as well as website. These include Google Analytics, third party service for sending SMS, third party service for sending email, third party service for payment gateway, etc. These third-party services are used only when required and only the information required to run the service is disclosed to the third party.

If you have additional query or questions or comments regarding this Privacy Policy of www.karmja.com may contact us using the information below:

You can contact us electronically through email: helpdesk.karmja@gmail.com • Email: helpdesk.karmja@gmail.com • Address: Karmja.com, Near Madhani Petrol Pump, Sikar Road, Chomu (Jaipur), Rajasthan • Phone: +91 9694386006

We may periodically make changes to this Privacy Policy, including changes to keep pace with changing technology and as new or changed Services are released. We expect most such changes to be minor. Any non-material changes will take effect immediately upon posting of an updated Privacy Policy on our Services. You should periodically check our Privacy Policy for updates. However, there may be cases where changes to the Privacy Policy may be more significant. In such cases, we will first provide notice to users who are affected. If we make changes to this Privacy Policy that may affect our collection or use of Personal Information from users, we will give notice and obtain the prior verifiable consent of a parent or legal guardian. See our Children’s Privacy Policy below for more information about those practices.

Your continued use of the Services after the effective date of the Privacy Policy will constitute acceptance of any changes. If you do not agree to the revised Privacy Policy, please refrain from using the Services.

*Each version of the Privacy Policy & its effective date will be displayed at the top of this page.

Karmja.com reserves the right in its sole discretion to review, improve, modify or discontinue, temporarily or permanently, the Site or any content or information on the Site with or without notice to User. User agrees that Karmja.com shall not be liable to User or any third party for any modification or discontinuance of the Applications / Websites.

This Agreement will become effective immediately upon any use by User of the Site and shall remain effective unless terminated by either party as provided hereunder. Either party may terminate this Agreement by providing the other with written or email notice of such termination, which shall be effective immediately upon delivery of such notice to the other party. Furthermore, karmja.com may terminate this Agreement immediately for any breach by User of this Agreement or any applicable policy of karmja.com as posted on the Applications / Websites from time to time.

Please note that Packages once subscribed cannot be cancelled and no refund to that effect can be made. Since karmja.com is offering non-tangible irrevocable goods/services we do not issue refunds once the package is subscribed. As a customer you are responsible for understanding that no refund or cancellation is possible upon any subscription at our site.

Note: it is advisable to check demo products/services on the website before purchasing any products/services. We are not liable if you don't like services/products after purchasing.