Privacy Policy


Last Updated : 17th April 2022

Myonlineprep.in is a unit of Rafin Education India Private Limited. We recognize that privacy is important. Myonlineprep.in does not rent, sell, or share any personal information about you with other people or non-affiliated companies except to provide products or services you’ve requested when we have your permission. This Policy applies to all of the products, services and websites offered by myonlineprep.in or its subsidiaries or affiliated companies (collectively, myonlineprep.in “services”). Information we collect and how we use it – In order to provide our services, we may collect the following types of information:

We value the trust you place in us and recognize the importance of secure transactions and information privacy. This Privacy Policy describes how myonlineprep.in, we, our, us”) collect, use, share or otherwise process your personal information through website www.myonlineprep.in, its mobile application, (hereinafter referred to as the “Platform”).

By visiting the Platform, providing your information or availing our product/service, you expressly agree to be bound by the terms and conditions of this Privacy Policy, the Terms of Use and the applicable service/product terms and conditions. If you do not agree, please do not access or use our Platform.

Collection of Your Information

When you use our Platform, we collect and store your information which is provided by you from time to time. In general, you can browse the Platform without telling us who you are or revealing any personal information about yourself. Once you give us your personal information, you are not anonymous to us. Where possible, we indicate which fields are required and which fields are optional. You always have the option to not provide information by choosing not to use a particular service, product or feature on the Platform.

We may track your buying behaviour, preferences, and other information that you choose to provide on our Platform. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users. This information is compiled and analysed on an aggregated basis. This information may include the URL that you just came from (whether this URL is on our Platform or not), which URL you next go to (whether this URL is on our Platform or not), your computer browser information, and your IP address.

We collect personal information (such as email address, delivery address, name, phone number, credit card/debit card and other payment instrument details) from you when you set up an account or transact with us. While you can browse some sections of our Platform without being a registered member, certain activities (such as placing an order or consuming our online content or services) do require registration. We do use your contact information to send you offers based on your previous orders and your interests.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Platform, we may collect such information into a file specific to you.

If you enrol into our Referral Program, we will collect and store your personal information such as name, contact number, email address, communication address, zip code, lifestyle information, demographic is provided by you to Myonlineprep. We will also collect your information related to your transactions on Myonlineprep platform and such third-party business partner platforms. When such third-party business partner collects your personal information directly from you, you will be governed by their privacy policies. Myonlineprep shall not be responsible for the third-party business partner’s privacy practices or the content of their privacy policies, and we request you to read their privacy policies prior to disclosing any information.

Use of Demographic / Profile Data / Your Information

We use your personal information to provide the product and services you request. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We use your personal information to assist sellers and business partners in handling and fulfilling orders; enhancing customer experience; resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our products and services; inform you about online and offline offers, products, services, and updates; customize and enhance your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection of information.

Information you provide – We may ask you for personal information (such as your name, email address, phone number, address, and company) for certain services that we provide through our website.

myonlineprep.in– When you visit myonlineprep.in, we may send one or more cookies – a small file containing a string of characters – to your computer that uniquely identifies your browser. We may use these cookies to improve the quality of our service by storing user preferences and tracking user trends, such as how people search. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

Log information – When you use myonlineprep.in, our servers may automatically record information that your browser sends whenever you visit our website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

User communications – When you send an email or other communication to myonlineprep.in, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.

Links – myonlineprep.in may present links in a format that enables us to keep track of whether these links have been followed. myonlineprep.in only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

Providing our products and services to users; Auditing, research, and analysis in order to maintain, protect and improve our services; developing new services. myonlineprep.in processes personal information on our servers in India and in other countries. In some cases, we process personal information on a server outside your own country.

Choices for personal information – When you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use. If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, we will offer you an effective way to opt-out of the use of personal information for those other purposes. We will not collect or use the information for purposes other than those described in this Policy unless we have obtained your prior consent. You can decline to submit personal information to any of our services, in which case myonlineprep.in may not be able to provide those services to you.

Opt-Out Policy – myonlineprep.in offers its visitors and customers a means to choose how we may use the information provided. If, at any time after registering for information or ordering the Service, you change your mind about receiving information from us or about sharing your information with third parties, send us a request specifying your new choice. Simply send your request to info@myonlineprep.in.

If myonlineprep.in becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.
Please contact us at the address below for any additional questions about the management or use of personal data or as to what classifies as Sensitive Information.

Information security – We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.
We restrict access to personal information to myonlineprep.in employees, contractors, and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.

Data integrity – myonlineprep.in processes personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. We review our data collection, storage, and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

Accessing and updating personal information – When you need to change or update your personal information please mail us at info@myonlineprep.in and we will make good faith efforts to change/correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We may ask individual users to identify themselves and then proceed to take action as required. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service of charge.

Disclosure of Information
In addition to the circumstances described above, Myonlineprep may disclose User's Personal Information if required to do so:
by law, required by any enforcement authority for investigation, by court order or in reference to any legal process;

  • to conduct our business;
  • for regulatory, internal compliance and audit exercise(s)
  • to secure our systems; or
  • to enforce or protect our rights or properties of Myonlineprep or any or all of its affiliates, associates, employees, directors or officers or when we have reason to believe that disclosing Personal Information of User(s) is necessary to identify, contact or bring legal action against someone who may be causing interference with our rights or properties, whether intentionally or otherwise, or when anyone else could be harmed by such activities.

Such disclosure and storage may take place without your knowledge. In that case, we shall not be liable to you or any third party for any damages howsoever arising from such disclosure and storage.

User-Generated Content
Myonlineprep provides an option to its users to post their experiences by way of reviews, ratings and general poll questions. The customers also have an option of posting questions w.r.t a service offered by Myonlineprep or post answers to questions raised by other users. Myonlineprep may also hire a third party to contact you and gather feedback about your course enrolled with Myonlineprep. Though the participation in the feedback process is purely optional, you may still receive emails, notifications (app, SMS, Whatsapp or any other messaging service) for you to share your review(s), answer questions posted by other users or a. The reviews may be written or in a video format. The reviews were written or posted may also be visible on other students or JAIIB & CAIIB exam preparation related platforms.

The User-Generated Content that Myonlineprep collects may be of the following kinds:

  • Review and Ratings
  • Question and Answers
  • CrowdSource Data Collection (poll questions).

Each User who posts review or ratings, Q&A, photographs shall have a profile, which other Users will be able to access. Other Users may be able to view the number of courses, reviews written, questions asked and answered and photographs posted.

How Can You Opt-Out Of Receiving Our Promotional E-Mails?
You will occasionally receive e-mail updates from us about course sales in your area, special offers, new Myonlineprep services, and other noteworthy items. We hope you will find these updates interesting and informative. If you wish not to receive them, please click on the "unsubscribe" link or follow the instructions in each e-mail message.

Permissions Required For Using Our Mobile Applications
When the Myonlineprep app is installed on your phone or tablet, a list of permissions appears and is needed for the app to function effectively. There is no option to customize the list. The permissions that Myonlineprep requires and the data that shall be accessed and its use is as below:

Android permissions:
Device & App history: We need your device permission to get information about your device, like OS (operating system) name, OS version, mobile network, hardware model, unique device identifier, preferred language, etc. Basis these inputs, we intend to know the learning course experience, use OS specific capabilities to drive great in-funnel experiences using components of device’s OS, etc.

Notifications: If you are opt-in for notifications, it enables us to send across exclusive deals, promotional offers, course-related updates, etc. on your device. If you do not opt for this, updates for your course such as important module, questions for cracking the exam in easiest way purpose, in case there is any changes in exam, etc. will be sent through SMS or push notification.

SMS: If you allow us to access your SMS, we read your SMS to autofill or prepopulate ‘OTP’ while making a transaction and to validate your mobile number. This provides you a seamless purchase experience while enrolling in any courses and you don’t need to move out of the app to read the SMS and then enter it in the app.

Contacts or Phonebook: If you allow us to access your contacts, it enables us to provide a lot of social features to you such as sharing your best available courses with your friends, inviting your friends to try our app, send across referral links to your friends, etc. We may also use this information to make recommendations for courses that may help your friends to crack the exam in the easiest way. This information will be stored on our servers and synced from your phone.

Photo/ Media/ Files: The libraries in the app use these permissions to allow profile pic to be saved to your phone's external storage, like SD cards. By saving your profile pictures, you don’t need to re-upload the same profile picture every time you use the app. This provides you a seamless result you secured in test series with the picture that you can share with your friends, even on a low bandwidth network.

IOS Permissions:
Notifications: If you are opt-in for notifications, it enables us to send across exclusive deals, promotional offers, course-related updates, etc. on your device. If you do not opt for this, updates for your course such as important module, questions for cracking the exam in easiest way purpose, in case there is any changes in exam, etc. will be sent through SMS or push notification.

DISCLOSURE OF YOUR INFORMATION: We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.

Marketing Communications

With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.

Interactions with Other Users

If you interact with other users of the Application, those users may see your name, profile photo, and descriptions of your activity, including sending invitations to other users, chatting with other users, liking posts, following blogs.

Online Postings

When you post comments, contributions or other content to the Applications, your posts may be viewed by all users and may be publicly distributed outside the Application in perpetuity

Third-Party Advertisers

We may use third-party advertising companies to serve ads when you visit the Application. These companies may use information about your visits to the Application and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.

Other Third Parties

We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with such third parties for marketing purposes, as permitted by law.

How We Protect Your Personal Information?

All payments on the Website are secured. This means all Personal Information you provide is transmitted using TLS (Transport Layer Security) encryption. TSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. The website has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Withdrawal of Consent And Permission
You may withdraw your consent to submit any or all Personal Information or decline to provide any permission on its Website as covered above at any time. In case, you choose to do so then your access to the Website may be limited, or we might not be able to provide the services to you. You may withdraw your consent by sending an email to info@myonlinepep.com

Right to Edit Personal Information
You may access your Personal Information from your user account with Myonlineprep. You may also correct your personal information or delete such information (except some mandatory fields) from your user account directly. If you don’t have such a user account, then you write to info@myonlinepep.com

Changes to the Privacy Policy
We reserve the right to revise the Privacy Policy from time to time to suit various legal, business and customer requirement. We will duly notify the users as may be necessary.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third-party advertisements like Google AdSense and AdMob on myonlineprep.in to support our website and mobile app. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense and AdMob program) information including your IP address, your ISP, the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs. However, this can affect how you are this to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Cancellations

As a general rule, all sales made on Myonlineprep are final and you shall not be entitled to cancel your order once you have received confirmation of the same. Myonlineprep reserves the sole right to cancel any order as per our discretion in case (i) we are unable to deliver the order in a satisfactory manner and/ or (ii) the user tries to take advantage of the system which violates the Terms of Use.

Refunds

We do not provide refund for any product once the order is confirmed.There is no obligation to provide refund. Each provider reserves the right to offer refunds, discounts or other consideration in select circumstances at its sole discretion.

You may always submit concerns regarding this Privacy Policy via email to us at info@myonlinepep.com. Myonlineprep shall endeavor to respond to all reasonable concerns and inquires.

Contact Us:
Rafin Education India Pvt Ltd
405, Emarat Firdaus,
Exhibition Road,
Patna - 800001 (Bihar) 
Mobile No. : +91 92641 49917
Email : info@myonlineprep.com

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