The short version: We collect only what we need to run IncomeSafe, protect it under India's DPDP Act 2023, and never sell your data to third parties. Your verification documents are encrypted at rest and only accessed during claims processing.
1. Who We Are
IncomeSafe Technologies Private Limited ("IncomeSafe", "we", "us") is a company incorporated under the Companies Act, 2013, with its registered office at Koramangala, Bengaluru, Karnataka – 560034, India. We operate the IncomeSafe platform for income protection and career support services.
2. What We Collect
Information you provide:
Account data: Full name, email address, phone number, password (hashed)
Professional details: Job title, employer, industry, years of experience, monthly salary
Verification documents: Employee ID card, offer letter or employment contract, bank statements
Claims information: Reason for claim, last working day, supporting documents
Payment data: Transaction IDs and status via Razorpay (we do not store card numbers)
Information collected automatically:
IP address, browser type, device type, operating system
Pages visited, timestamps, click patterns (via server logs)
Session cookies for authentication
3. How We Use Your Data
To create and manage your IncomeSafe membership account
To verify your employment status and process income protection claims
To facilitate payments via Razorpay
To send you OTPs, account notifications, and plan-related communications
To provide career coaching and resume review services
To improve our platform and detect fraud
To comply with legal and regulatory obligations
4. When We Share Data
We do not sell your personal data. We share data only in these limited circumstances:
Service providers: Razorpay (payments), cloud storage for document hosting, email delivery services — all bound by data processing agreements
Legal requirements: If required by law, court order, or government authority
Business transfers: In the event of a merger or acquisition, with equivalent privacy protections maintained
Fraud prevention: Where necessary to protect IncomeSafe and our members from fraud
5. Data Storage & Security
Your data is stored on servers hosted in India. Verification documents are encrypted at rest using AES-256. We retain your data for 7 years following account closure to comply with Indian financial record-keeping requirements, unless you request earlier deletion (subject to legal holds).
6. Your Rights Under DPDP Act 2023
As a data principal under India's Digital Personal Data Protection Act, 2023, you have the right to:
Access: Request a copy of your personal data
Correction: Request corrections to inaccurate data
Erasure: Request deletion of your data (subject to legal holds)
Grievance redressal: File a complaint with our Data Protection Officer
To exercise any right, contact our DPO at privacy@incomesafe.in. We will respond within 72 hours.
7. Cookies
We use strictly necessary cookies for authentication (session tokens). We do not use advertising cookies or third-party tracking. You can delete cookies via your browser settings, but this will log you out of IncomeSafe.
Data Protection Officer
IncomeSafe Technologies Pvt. Ltd.
Koramangala, Bengaluru, Karnataka – 560034
Email: privacy@incomesafe.in