Privacy Policy

1. Introduction

Profitma (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information when you use our Platform at profitma.com — including the reading platform, interactive tools, quizzes, and affiliate programme.

2. Information We Collect

2.1 Account Information (via Google Sign-In)

We use Google OAuth for authentication. When you sign in, we receive from Google:

• Your name
• Your email address
• Your Google profile picture URL

We do not receive or store your Google password.

2.2 Usage Data

• Reading progress — which chapters you have read and how far through each chapter you are
• Simulation results — for interactive chapter exercises, we store the choice you made, whether it was the rational option, and the time taken (in seconds)
• Login timestamps — when you last signed in
• Subscription status — your plan type and billing period

2.3 Payment Information

We do not store your credit/debit card details, UPI ID used for payment, or bank information. All payment processing is handled by Razorpay. We store only the subscription ID, status, and renewal date returned by Razorpay after a successful transaction.

2.4 Email Address (Free PDF Download)

If you request the free pre-trading checklist PDF on our Cheatsheet page, we collect your email address to send it to you and to notify you of related educational content. You can unsubscribe from any such communications at any time by contacting us.

2.5 Affiliate Programme Data

If you participate in our affiliate programme, we additionally collect and store:

• Your unique referral code and referral link
• The number of successful referrals attributed to your account
• Affiliate earning records — including the subscription payment ID, the commission amount credited, and the date of each earning
• Payout request records — including the UPI ID you provide when requesting a payout, the payout amount, and the status of each request

Your UPI ID is used solely to process your requested payout and is not used for any other purpose. We do not store UPI IDs provided for payment of subscriptions — those are handled by Razorpay.

3. How We Use Your Information

• To authenticate your account and provide access to the Platform
• To manage your subscription and process payments via Razorpay
• To save and restore your reading progress and simulation results across devices
• To send transactional notifications (subscription confirmation, renewal reminders) if applicable
• To deliver the free PDF you requested and send related educational communications (if you submitted your email via the Cheatsheet page)
• To operate the affiliate programme — including tracking referrals, crediting earnings, and processing UPI payouts
• To improve the Platform based on aggregated, anonymised usage data

We do not sell, rent, or share your personal information with third parties for marketing purposes.

4. Third-Party Services

We use the following third-party services to operate the Platform:

5. Cookies and Local Storage

5.1 Session Cookies

We use session cookies required for authentication (NextAuth.js session tokens). These are necessary for the service to function and cannot be disabled while you are signed in.

5.2 Referral Tracking Cookie

If you visit the Platform through an affiliate referral link (a URL in the format profitma.com/r/[code]), we set a cookie named profitma_ref in your browser. This cookie:

• Is httpOnly — it cannot be read by JavaScript in the browser
• Expires after 30 days
• Is used solely to attribute a subscription purchase to the referring affiliate and credit them their commission
• Is deleted immediately after a subscription is completed or when it expires

If you do not visit via a referral link, no referral tracking cookie is set.

5.3 Local Storage

We use browser local storage to remember whether you have already downloaded the free PDF, so we do not prompt you again. This data is stored locally on your device only and is never transmitted to our servers.

We do not use tracking cookies, advertising cookies, or third-party analytics that identify you personally.

6. Data Retention

We retain your account data for as long as your account is active. If you request account deletion, we will remove your personal data within 30 days, except where retention is required by law or for legitimate business purposes (such as subscription billing records).

Affiliate earning and payout records may be retained for a longer period as required for financial record-keeping and fraud prevention, even after account deletion. In such cases, data is retained in an anonymised or aggregated form where possible.

7. Your Rights

You have the right to:

• Access — Request a copy of the personal data we hold about you
• Correction — Ask us to correct inaccurate data
• Deletion — Request deletion of your account and associated data
• Portability — Request your data in a portable format

To exercise any of these rights, email us at profitmaapp@gmail.com.

8. Data Security

We implement industry-standard security measures including HTTPS encryption, secure session management, and database access controls. However, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique Google account password and enable two-factor authentication on your Google account.

9. Children's Privacy

The Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the “Last updated” date at the top of this page. Continued use of the Platform after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related concerns or requests, contact us at profitmaapp@gmail.com.