Privacy Policy

1. Information We Collect

We collect the following categories of personal information when you register as a member or interact with AHFFA:

1.1 Identity Information

• Full legal name (as per government-issued ID)
• Date of birth
• Gender
• Photograph (profile photo)
• Government-issued ID number (Voter ID, Aadhaar, or PAN)

1.2 Contact Information

• Mobile phone number (mandatory)
• Email address (optional)
• Residential address

1.3 Financial Information

• Bank account details (for withdrawal processing)
• IFSC code
• Payment transaction records

1.4 Usage Information

• Login history and timestamps
• Pages viewed within the member portal
• Device type, operating system, and browser
• IP address

1.5 Referral Information

• Referral code used during registration
• Details of members referred by you

2. How We Use Your Information

We use your personal information for the following purposes:

• Membership Management: Creating and managing your member account, issuing your Member ID and certificate.
• KYC Compliance: Verifying your identity as required by applicable laws and regulations.
• Financial Transactions: Processing your membership fee payment and executing wallet withdrawals to your bank account.
• Referral Programme: Tracking referrals and calculating commission payouts.
• Communications: Sending account notifications, OTPs, payment receipts, and important updates via SMS and email.
• Customer Support: Responding to your queries and resolving disputes.
• Legal Compliance: Meeting obligations under Indian law, including tax reporting and regulatory requirements.
• Service Improvement: Analysing usage patterns to improve our platform and services.

We will never use your personal information for marketing purposes unrelated to AHFFA services without your explicit consent.

3. Data Storage & Security

3.1 Storage Location. Your personal data is stored on secure servers located in India. We do not transfer your personal data outside India without your consent, except where required by law.

3.2 Security Measures. We implement appropriate technical and organisational security measures to protect your data against unauthorised access, disclosure, alteration, or destruction. These include:

• Encrypted data transmission (HTTPS/TLS)
• Password hashing using industry-standard algorithms
• Access controls limiting data access to authorised personnel only
• Regular security reviews and audits

3.3 Data Retention. We retain your personal information for as long as your membership is active and for a period of 7 (seven) years after membership termination to comply with legal and regulatory obligations. Financial records are retained as required by Indian tax law.

3.4 Breach Notification. In the event of a data breach that is likely to result in a risk to your rights, we will notify you and relevant authorities as required by applicable law.

4. Sharing of Information

AHFFA does not sell your personal information to third parties. We may share your information in the following limited circumstances:

• Authorised Agents: Local AHFFA agents who assisted in your registration may access your basic membership details (name, Member ID) for coordination purposes.
• Payment Processors: We share necessary payment information with payment gateway providers (e.g., Razorpay, PayU) to process transactions. These providers are bound by their own privacy policies and data processing agreements.
• Banking Partners: Your bank account details are shared with our banking partner solely for the purpose of processing withdrawal payments.
• Legal Requirements: We may disclose your information to government authorities, regulators, courts, or law enforcement agencies when required by law or valid legal process.
• Business Transfers: In the event of a merger, acquisition, or restructuring of AHFFA, your data may be transferred to the successor entity, subject to the same privacy protections.

All third parties with whom we share data are required to maintain the confidentiality of your information and use it only for the specified purpose.

5. Your Rights

As a data subject under applicable Indian law, you have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete personal data.
• Right to Deletion: Request deletion of your personal data, subject to our legal retention obligations.
• Right to Restrict Processing: Request that we restrict processing of your data in certain circumstances.
• Right to Portability: Request your data in a portable, machine-readable format where technically feasible.
• Right to Object: Object to processing of your data for specific purposes.
• Right to Withdraw Consent: Withdraw consent where processing is based on consent, without affecting the lawfulness of prior processing.

To exercise any of these rights, contact us at ahffa@gmail.com. We will respond within 30 days of receiving your request.

6. Cookies

6.1 Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect usage analytics.

6.2 Types of Cookies We Use:

• Essential Cookies: Required for the website to function (e.g., session management, login state). These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website (e.g., page visits, time on page). These are anonymised.
• Preference Cookies: Remember your settings and preferences (e.g., language, display preferences).

6.3 You may disable non-essential cookies through your browser settings. However, disabling cookies may affect the functionality of certain features on our platform.

6.4 We do not use cookies for advertising or cross-site tracking purposes.

7. Contact for Privacy

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact our designated privacy contact:

We are committed to working with you to resolve any concerns about your privacy promptly and fairly.

Changes to this Policy. We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of material changes via SMS or within the member portal. The "Last Updated" date at the top of this page indicates when this policy was last revised.