Privacy Policy

Welcome to Invest Gyan, operated by Merkel Tech Pvt. Ltd. ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our investment analytics platform and mobile application.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

Personal Information

We may collect the following types of personal information:

• Name, email address, and contact information
• Account credentials and authentication information
• Profile information and preferences
• Investment portfolio data (when voluntarily provided)
• Communication preferences and history

Financial Information

• Portfolio holdings and transaction data (if shared voluntarily)
• Investment preferences and risk tolerance
• Subscription and payment information

Technical Information

• Device information (type, operating system, browser)
• IP address and location data
• Usage analytics and interaction data
• App performance and crash reports
• Cookies and similar tracking technologies

We use the collected information for the following purposes:

• Service Provision: To provide, maintain, and improve our investment analytics platform
• Personalization: To customize your experience and provide relevant investment insights
• Communication: To send you important updates, notifications, and marketing communications
• Analytics: To understand usage patterns and improve our AI algorithms
• Security: To protect against fraud, abuse, and security threats
• Legal Compliance: To comply with applicable laws and regulations
• Support: To provide customer support and respond to inquiries

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our platform, such as:

• Cloud storage and hosting providers
• Analytics and monitoring services
• Payment processing services
• Customer support platforms

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We implement comprehensive security measures to protect your information:

• Encryption: All data is encrypted in transit and at rest using industry-standard encryption
• Access Controls: Strict access controls and authentication mechanisms
• Regular Audits: Regular security audits and vulnerability assessments
• Employee Training: All employees receive data protection training
• Incident Response: Comprehensive incident response procedures

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a structured format
• Opt-out: Unsubscribe from marketing communications
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

We use cookies and similar tracking technologies to enhance your experience on our platform:

• Essential Cookies: Required for basic platform functionality
• Analytics Cookies: Help us understand how users interact with our platform
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements

You can control cookies through your browser settings, but disabling certain cookies may affect platform functionality.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies.

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Your information may be transferred to and processed in countries other than Nepal. We ensure that such transfers are conducted in accordance with applicable data protection laws and with appropriate safeguards in place.

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Displaying a prominent notice on our platform

Your continued use of our services after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We will respond to your inquiry within 30 days of receiving your request.