Privacy Policy

Last updated: 7 April 2026

This Privacy Policy explains how Ratio (operated by Bahali Investment Group LLP) collects, uses, stores, and protects your personal data when you use our platform. By accessing or using Ratio, you consent to the practices described in this policy.

1. Information We Collect

• Account data: name, email address, and password via Firebase Authentication.
• Usage data: pages visited, time spent, quiz and mock test performance, analytics events.
• Device data: browser type, operating system, IP address (anonymised).

2. How We Use Your Data

• To provide and personalise our coaching services.
• To track your preparation progress and generate performance analytics.
• To send important updates about your enrolment, exam dates, and new content.
• We do not sell your personal data to third parties.

3. Cookies and Tracking

• Essential cookies for authentication (Firebase session).
• Analytics cookies (Google Analytics 4) to understand usage patterns.
• You can disable non-essential cookies through your browser settings.

4. Third-Party Services

• Firebase (Google) — authentication, database, hosting.
• Razorpay — payment processing (we do not store card details).
• Google Analytics — anonymised usage tracking.

5. Student Data Protection

• All student performance data is stored securely in Firebase with encryption at rest.
• Access to student data is restricted to authorised personnel.
• We retain your data for as long as your account is active, plus 1 year after a deletion request.

6. Your Rights

• Right to access your personal data.
• Right to correct inaccurate data.
• Right to request deletion of your account and associated data.
• Right to data portability.
• Right to withdraw consent for non-essential processing.

7. Data Deletion

• To request account deletion, email clat@iura.in.
• We will process deletion requests within 30 days.
• Certain data may be retained for legal compliance (e.g., payment records under Indian tax law).

8. Changes to This Policy

• We may update this policy from time to time.
• Significant changes will be notified via email or in-app notification.

9. Contact

10. Governing Law

This policy is governed by the laws of India, including the Information Technology Act, 2000 and applicable data protection regulations.