1. Information Collection and Processing

Mumbai Academy ("we," "our," "us," or "the Company"), a duly registered educational institution operating under the laws of India, hereby establishes this comprehensive Privacy Policy to govern the collection, processing, storage, and utilization of personal information obtained from users ("you," "your," or "User") of our digital platform and services.

In accordance with applicable data protection regulations, including but not limited to the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, we collect, process, and maintain the following categories of personal information:

1.1 Personally Identifiable Information (PII)

We collect comprehensive personal identification data including, but not limited to:

• Full legal name as it appears on government-issued identification documents
• Primary and secondary email addresses for communication purposes
• Contact telephone numbers (mobile and landline) for urgent communications
• Residential and correspondence addresses for official documentation
• Date of birth for age verification and eligibility assessment
• Government-issued identification numbers for verification purposes

1.2 Professional and Educational Information

Our platform collects extensive professional and educational data including:

• Comprehensive curriculum vitae (CV) or resume documents
• Educational qualifications, certifications, and academic transcripts
• Professional work experience and employment history
• Skills assessments and competency evaluations
• Professional references and recommendation letters
• Portfolio materials and project documentation

1.3 Financial and Transactional Information

For payment processing and financial compliance, we collect:

• Payment method details and transaction identifiers
• Billing addresses and financial institution information
• Transaction history and payment confirmation records
• Refund processing information and financial reconciliation data

1.4 Technical and Usage Information

We automatically collect technical data to enhance user experience:

• Internet Protocol (IP) addresses and geolocation data
• Browser type, version, and operating system information
• Device identifiers and hardware specifications
• Website usage patterns and interaction analytics
• Session data and user behavior metrics

2. Legal Basis and Purpose of Data Processing

We process your personal information under the following legal bases and for the specified purposes:

2.1 Contractual Performance

Processing is necessary for the performance of our contractual obligations to you, including:

• Application processing and eligibility assessment
• Service delivery and educational program administration
• Payment processing and financial transaction management
• Communication regarding service status and updates
• Quality assurance and service improvement initiatives

2.2 Legitimate Business Interests

We process data to pursue our legitimate business interests, including:

• Service optimization and user experience enhancement
• Fraud prevention and security measures
• Business analytics and market research
• Product development and innovation
• Regulatory compliance and legal obligations

2.3 Legal Compliance

Processing is necessary to comply with applicable laws and regulations:

• Tax reporting and financial record-keeping requirements
• Educational institution regulatory compliance
• Data protection and privacy law obligations
• Consumer protection and fair business practice requirements

3. Data Sharing and Third-Party Disclosure

We maintain strict protocols regarding the sharing and disclosure of your personal information:

3.1 Internal Processing

Your information is processed internally by authorized personnel for legitimate business purposes only.

3.2 Service Providers and Business Partners

We may share information with carefully selected third-party service providers who assist in our operations:

• Payment processing partners for secure transaction handling
• Cloud storage providers for data backup and security
• Communication service providers for email and SMS delivery
• Analytics providers for service improvement and optimization
• Educational technology partners for learning platform support

3.3 Legal and Regulatory Disclosures

We may disclose your information when required by law or in response to:

• Valid legal process, including court orders and subpoenas
• Government investigations and regulatory inquiries
• Emergency situations involving public safety
• Intellectual property protection and enforcement actions

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to appropriate privacy protections.

4. Data Security and Protection Measures

We implement comprehensive security measures to protect your personal information:

4.1 Technical Security Measures

• Advanced encryption protocols (AES-256) for data transmission and storage
• Secure Socket Layer (SSL) and Transport Layer Security (TLS) implementation
• Multi-factor authentication and access control systems
• Regular security audits and vulnerability assessments
• Intrusion detection and prevention systems
• Data backup and disaster recovery procedures

4.2 Organizational Security Measures

• Employee training on data protection and privacy practices
• Strict access controls and role-based permissions
• Regular security policy reviews and updates
• Incident response and breach notification procedures
• Vendor security assessments and contractual obligations

5. Data Retention and Disposal

We maintain your personal information only for as long as necessary to fulfill the purposes outlined in this policy:

5.1 Retention Periods

• Active user accounts: Duration of service plus 7 years for legal compliance
• Financial records: 7 years as required by tax and financial regulations
• Educational records: 10 years for academic and professional verification
• Marketing communications: Until consent withdrawal or account deletion

5.2 Secure Disposal

When data is no longer required, we employ secure disposal methods including permanent deletion, degaussing, and physical destruction of storage media.

6. Your Rights and Data Subject Protections

You possess comprehensive rights regarding your personal information:

6.1 Access and Portability Rights

• Right to access and review your personal information
• Right to receive a copy of your data in a portable format
• Right to verify the accuracy and completeness of your information
• Right to request information about data processing activities

6.2 Correction and Update Rights

• Right to correct inaccurate or incomplete information
• Right to update personal details and preferences
• Right to supplement information with additional details
• Right to request verification of corrections made

6.3 Deletion and Restriction Rights

• Right to request deletion of personal information
• Right to restrict processing in certain circumstances
• Right to object to specific processing activities
• Right to withdraw consent for consent-based processing

7. Cookies and Tracking Technologies

We utilize various tracking technologies to enhance your experience:

7.1 Types of Cookies Used

• Essential Cookies: Required for basic website functionality
• Performance Cookies: Analyze website usage and performance
• Functional Cookies: Remember preferences and settings
• Marketing Cookies: Deliver relevant advertisements

7.2 Third-Party Analytics

We use third-party analytics services to understand user behavior and improve our services. These services may collect information about your online activities across different websites.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in accordance with applicable data protection laws.

9. Children's Privacy Protection

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected such information, we will take immediate steps to delete it.

10. Policy Updates and Modifications

We reserve the right to modify this Privacy Policy at any time. Material changes will be communicated through:

• Email notifications to registered users
• Prominent website announcements
• Updated policy posting with effective dates
• Consent renewal for significant changes

11. Contact Information and Complaints

For questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact us:

Email: support@mumbai.academy

Response Time: We will acknowledge your inquiry within 48 hours and provide a substantive response within 30 days.

Last Updated: August 5, 2025

Version: 2.0

1. Acceptance and Agreement to Terms of Service

By accessing, browsing, or otherwise utilizing the digital platform and services provided by Mumbai Academy ("the Company," "we," "us," or "our"), you hereby acknowledge that you have read, understood, and irrevocably agree to be bound by these comprehensive Terms of Service ("Terms," "Agreement," or "Terms of Service") in their entirety. This Agreement constitutes a legally binding contract between you ("User," "you," or "your") and Mumbai Academy, governing your use of our website, services, and any related applications or platforms.

If you do not agree to any provision of these Terms, you must immediately cease all use of our services and exit our platform. Continued use of our services after any modifications to these Terms constitutes your acceptance of such modifications. These Terms supersede all prior agreements, representations, and understandings between you and Mumbai Academy regarding the subject matter herein.

2. Comprehensive Service Description and Scope

Mumbai Academy operates as a premier educational institution specializing in career development and professional training services, with particular emphasis on data analytics and business intelligence domains. Our comprehensive service portfolio encompasses:

2.1 Educational and Training Services

• Comprehensive data analytics training programs and curriculum development
• Professional skill assessment and competency evaluation services
• Industry-specific training modules and certification programs
• Mentorship and career guidance services
• Practical project-based learning experiences

2.2 Career Development and Placement Services

• Professional resume writing and optimization services
• Interview preparation and mock interview sessions
• Job placement assistance and employer networking
• Career counseling and professional development planning
• Industry networking and professional community access

2.3 Administrative and Support Services

• Application processing and eligibility assessment
• Student record management and academic tracking
• Financial aid and payment processing services
• Technical support and platform maintenance
• Customer service and communication management

3. Application Process and Financial Obligations

By initiating an application for our services, you expressly acknowledge and agree to the following terms and conditions:

3.1 Application Requirements and Obligations

• Provision of accurate, complete, and truthful information in all application materials
• Submission of required documentation including but not limited to identification, educational credentials, and professional references
• Compliance with all eligibility criteria and admission requirements
• Timely response to requests for additional information or clarification
• Maintenance of current and up-to-date contact information throughout the application process

3.2 Financial Terms and Payment Obligations

• Payment of the non-refundable application processing fee of ₹499 (Indian Rupees Four Hundred and Ninety-Nine Only)
• Understanding that the processing fee covers administrative costs, application review, and initial assessment services
• Acknowledgment that the fee is separate from any subsequent training or placement service fees
• Agreement to pay all applicable taxes, fees, and charges associated with the services
• Compliance with all payment terms and deadlines as communicated by the Company

3.3 Refund Policy and Financial Protections

• The application processing fee is refundable only in the event that your application is not shortlisted within 30 days of submission
• Refund requests must be submitted in writing with appropriate documentation
• Refunds will be processed within 7-10 business days to the original payment method
• No refunds will be provided for applications that are shortlisted or accepted
• Administrative fees may be deducted from refund amounts as permitted by law

4. User Responsibilities and Code of Conduct

As a user of our services, you bear significant responsibilities and must adhere to the following standards of conduct:

4.1 Account Security and Confidentiality

• Maintenance of strict confidentiality of all account credentials and access information
• Implementation of appropriate security measures to protect account access
• Immediate notification of any suspected unauthorized access or security breaches
• Prohibition of sharing account credentials with third parties
• Regular updating of passwords and security settings

4.2 Information Accuracy and Maintenance

• Provision of accurate, current, and complete information at all times
• Prompt updating of personal, contact, and professional information
• Verification of the accuracy and completeness of all submitted materials
• Notification of any changes in circumstances that may affect eligibility or service delivery
• Maintenance of professional standards in all communications and interactions

4.3 Legal and Regulatory Compliance

• Compliance with all applicable local, state, national, and international laws and regulations
• Adherence to industry standards and professional codes of conduct
• Respect for intellectual property rights and copyright protections
• Prohibition of fraudulent, deceptive, or misleading practices
• Compliance with data protection and privacy regulations

4.4 Professional Conduct and Ethical Standards

• Maintenance of professional decorum in all interactions with staff and other users
• Respect for diversity, inclusion, and equal opportunity principles
• Prohibition of harassment, discrimination, or inappropriate behavior
• Honest and ethical conduct in all business and educational activities
• Cooperation with reasonable requests from Company representatives

5. Intellectual Property Rights and Usage Restrictions

All content, materials, and intellectual property associated with our services are protected by comprehensive legal frameworks:

5.1 Company Intellectual Property

• All website content, including text, graphics, logos, images, and software, is the exclusive property of Mumbai Academy
• Training materials, curriculum content, and educational resources are protected by copyright and other intellectual property laws
• Company trademarks, service marks, and trade dress are registered and protected
• Proprietary methodologies, processes, and business practices are trade secrets
• All rights not expressly granted are reserved by the Company

5.2 Permitted Usage and Restrictions

• Personal, non-commercial use of materials for educational purposes only
• Prohibition of reproduction, distribution, or modification without express written consent
• No reverse engineering, decompilation, or disassembly of software or systems
• Prohibition of creating derivative works or adaptations
• Respect for digital rights management and access controls

5.3 User-Generated Content

• Retention of ownership rights to content you create and submit
• Grant of non-exclusive license to the Company for service delivery purposes
• Warranty that user content does not infringe third-party rights
• Company right to remove or modify user content at its discretion
• Indemnification obligations for user content violations

6. Limitation of Liability and Risk Allocation

To the maximum extent permitted by applicable law, the following limitations and disclaimers apply:

6.1 Comprehensive Liability Limitations

• Exclusion of all indirect, incidental, special, consequential, or punitive damages
• Limitation of direct damages to the amount paid for services in the preceding 12 months
• Exclusion of damages for lost profits, data, use, or business opportunities
• No liability for third-party actions, errors, or omissions
• Exclusion of liability for force majeure events and circumstances beyond control

6.2 Risk Allocation and Assumption

• User assumption of risks associated with online services and digital platforms
• Acknowledgment of potential technical issues, interruptions, or service limitations
• Understanding that employment outcomes are not guaranteed
• Acceptance of responsibility for personal and professional development efforts
• Recognition that market conditions and opportunities may vary

7. Comprehensive Disclaimers and Warranties

Our services are provided with the following disclaimers and warranty limitations:

7.1 Service Availability and Performance

• Services provided "as is" and "as available" without warranties of any kind
• No guarantee of uninterrupted service or error-free operation
• Possibility of service modifications, suspensions, or discontinuation
• Dependence on third-party services and infrastructure
• Variability in service performance based on user location and technical factors

7.2 Employment and Career Outcomes

• No guarantee of employment placement or specific job opportunities
• Salary outcomes dependent on individual performance and market conditions
• Employment success subject to user effort, market demand, and other factors
• No warranty regarding employer relationships or hiring decisions
• Career advancement dependent on personal initiative and professional development

7.3 Educational and Training Outcomes

• Learning outcomes dependent on individual effort and engagement
• No guarantee of specific skill acquisition or competency levels
• Training effectiveness subject to user participation and application
• Certification and credential recognition may vary by jurisdiction
• Educational value dependent on individual learning styles and preferences

8. Termination and Suspension Rights

The Company reserves comprehensive rights regarding service termination and access suspension:

8.1 Company Termination Rights

• Immediate termination or suspension without prior notice for policy violations
• Termination for fraudulent, deceptive, or illegal activities
• Suspension for non-payment or breach of financial obligations
• Termination for harassment, discrimination, or inappropriate conduct
• Service discontinuation for business or operational reasons

8.2 User Termination Rights

• Right to discontinue service use at any time
• Requirement to provide written notice of termination
• Obligation to settle outstanding financial obligations
• Responsibility for data backup and information preservation
• Continued applicability of certain terms post-termination

8.3 Post-Termination Obligations

• Immediate cessation of service access and usage
• Return or destruction of confidential information and materials
• Settlement of outstanding financial obligations
• Compliance with surviving terms and conditions
• Preservation of Company intellectual property rights

9. Governing Law and Dispute Resolution

These Terms are governed by comprehensive legal frameworks and dispute resolution procedures:

9.1 Applicable Law and Jurisdiction

• Governing law: Laws of India, without regard to conflict of law principles
• Exclusive jurisdiction: Courts in Mumbai, Maharashtra, India
• Compliance with applicable international laws and regulations
• Recognition of local consumer protection and business practice laws
• Application of relevant educational and professional regulations

9.2 Dispute Resolution Procedures

• Mandatory informal dispute resolution before formal proceedings
• Written notice requirements for dispute initiation
• Good faith negotiation and mediation requirements
• Arbitration as primary dispute resolution mechanism
• Court proceedings only for non-arbitrable matters

9.3 Class Action and Collective Relief Waivers

• Waiver of class action and collective relief rights
• Individual dispute resolution requirements
• Prohibition of representative or consolidated actions
• Enforcement of individual arbitration agreements
• Severability of dispute resolution provisions

10. Modification and Amendment Procedures

The Company reserves the right to modify these Terms through established procedures:

10.1 Amendment Authority and Process

• Unilateral right to modify terms with appropriate notice
• Written notification requirements for material changes
• Opportunity for user feedback and comment periods
• Effective date specification for all modifications
• Continued use as acceptance of modified terms

10.2 Notice and Communication Requirements

• Email notification to registered users for material changes
• Website posting with prominent display of modifications
• Minimum notice periods for significant changes
• Clear identification of modified provisions
• Opportunity for user consent renewal when required

11. Contact Information and Support Services

For questions, concerns, or assistance regarding these Terms or our services:

Primary Contact: support@mumbai.academy

Response Time: We commit to acknowledging inquiries within 24 hours and providing substantive responses within 5 business days.

Escalation Process: Complex issues will be escalated to appropriate management levels for resolution.

Last Updated: August 5, 2025

Version: 3.0

Effective Date: August 5, 2025