Privacy Policy

Privacy Policy

Last Updated: September 18, 2025

Welcome to TechnicalMitra.com (“the Blog,” “we,” “us,” or “our”), an informational and educational blog authored by Nitish Verma, based in Darbhanga, Bihar, India. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, interact with our content, or subscribe to our services. By accessing or using the Blog, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Blog.

We are committed to protecting your privacy and handling your personal data responsibly, in compliance with applicable laws, including the Information Technology Act, 2000 (as amended), the Digital Personal Data Protection Act, 2023 (DPDP Act), and other relevant Indian regulations. As a small, independent blog focused on educational content about banking, loans, and investments, we do not engage in commercial data sales or aggressive tracking.

1. Information We Collect

We collect minimal personal information to enhance your experience and provide relevant content. We do not require registration to read our blog posts, but certain interactions may involve data collection.

1.1 Personal Information

  • Voluntarily Provided Information: When you contact us via email (e.g., info@technicalmitra.com) for inquiries, feedback, or newsletter subscriptions, we may collect your name, email address, and any details you share in your message.
  • Comments and Interactions: If you leave comments on blog posts (if enabled), we collect your name, email address, and comment content. Comments are publicly visible but moderated for appropriateness.
  • Subscription Data: For newsletter signups via WordPress Jetpack, we collect your email address to send educational updates. Jetpack may process this data as per their privacy policy.

1.2 Non-Personal Information

  • Automatically Collected Data: When you visit the Blog, we (or our third-party analytics tools) may collect:
    • Device information (e.g., IP address, browser type, operating system, device ID).
    • Usage data (e.g., pages viewed, time spent, referral sources).
    • Location data (e.g., approximate city from IP address, not precise geolocation).
  • This data helps us understand site performance and improve content relevance.

1.3 Information from Third Parties

  • We may receive limited data from analytics providers (e.g., Google Analytics) or social media plugins (e.g., if you share content via X or LinkedIn), such as aggregated traffic insights.
  • Affiliate links may involve third-party tracking (e.g., cookies from affiliate networks) to attribute referrals, but we do not access personal data from these.

We do not collect sensitive personal data (e.g., financial details, health information) as our Blog is purely educational.

2. How We Use Your Information

We use collected information solely for legitimate, educational purposes:

  • Content Delivery: To personalize your experience (e.g., recommending blog posts based on browsing history).
  • Communication: To respond to inquiries, send newsletters (with opt-out options via Jetpack), or notify about updates.
  • Site Improvement: To analyze usage trends, fix technical issues, and enhance readability (e.g., mobile optimization) using Google Analytics.
  • Monetization: To display relevant ads via Google AdSense and track affiliate referral performance, without selling your data.
  • Compliance and Security: To prevent fraud, comply with legal obligations, or protect the Blog from abuse.

We do not use your data for marketing, advertising, or selling to third parties.

3. Sharing Your Information

We do not sell, rent, or trade your personal data. Sharing occurs only in limited, necessary cases:

  • Service Providers: With trusted third parties who assist us, such as:
    • Email service providers (WordPress Jetpack for newsletters—subject to their privacy policy).
    • Analytics tools (Google Analytics—data is anonymized where possible).
    • Hosting providers (Hostinger—data stored on their servers, subject to their privacy policy).
    • Advertising (Google AdSense—uses cookies for ad personalization).
    • Affiliate networks (e.g., for products mentioned in posts—tracking cookies for commissions, no personal data shared).
      These providers are contractually obligated to protect your data and use it only for specified purposes.
  • Legal Requirements: If required by law, court order, or government authority (e.g., under the DPDP Act or IT Rules), we may disclose data to comply.
  • Business Transfers: In the unlikely event of a merger, acquisition, or sale of assets, your data may be transferred with notice.

No data is shared internationally without safeguards, such as standard contractual clauses.

4. Cookies and Tracking Technologies

The Blog uses cookies and similar technologies to improve functionality and user experience. Cookies are small files stored on your device.

4.1 Types of Cookies We Use

  • Essential Cookies: Necessary for site operation (e.g., session management via WordPress/Hostinger). These cannot be disabled.
  • Analytics Cookies: To track anonymous usage (e.g., Google Analytics). You can opt out via browser settings or tools like Google Analytics Opt-out.
  • Advertising Cookies: From Google AdSense for ad serving and personalization.
  • Affiliate Cookies: Third-party cookies from affiliate links to track referrals (e.g., clicks on recommended products).
  • Third-Party Cookies: From embedded content (e.g., social sharing buttons from X or YouTube embeds). These are governed by their providers’ policies.

4.2 Managing Cookies

  • You can control cookies through your browser settings (e.g., delete, block, or accept). Note: Disabling cookies may limit site features, ads, or affiliate tracking.
  • We do not use targeted advertising cookies beyond AdSense standards or behavioral tracking for affiliates.

For more details, visit our Cookie Policy (if separate) or review your browser’s privacy settings.

5. Data Security

We prioritize your data’s security using reasonable measures:

  • Technical Safeguards: Encryption for data in transit (HTTPS via Hostinger), secure servers, and access controls.
  • Organizational Measures: Limited staff access (as a solo-authored blog, only Nitish Verma handles data), regular audits, and employee training.
  • Retention: Personal data is retained only as long as necessary (e.g., emails for 2 years post-response; analytics data anonymized after 26 months via Google Analytics; affiliate data as required for commissions).

Despite these efforts, no online transmission is 100% secure. We cannot guarantee absolute security.

6. Your Rights Under Data Protection Laws

As per the DPDP Act and other laws, you have rights regarding your personal data:

  • Access: Request a copy of your data we hold.
  • Correction: Update inaccurate information.
  • Erasure: Request deletion (subject to legal retention requirements).
  • Objection/Withdrawal: Opt out of processing (e.g., unsubscribe from newsletters via Jetpack) or object to certain uses.
  • Portability: Receive your data in a structured format (limited to what we collect).

To exercise these rights, email info@technicalmitra.com with your request. We will respond within 30 days. For grievances, contact our Data Protection Officer (Nitish Verma) at the same email.

7. Children’s Privacy

The Blog is not intended for children under 18. We do not knowingly collect data from minors. If we discover such data, we will delete it promptly. Parents/guardians: Contact us if you believe your child has provided information.

8. International Users

The Blog is hosted in India (via Hostinger) and complies with Indian laws. If you access from outside India (e.g., EU), your data may be transferred to India. We ensure adequate protections via consent and contractual measures.

9. Changes to This Privacy Policy

We may update this policy to reflect changes in our practices or laws. Significant updates will be notified via email (if you subscribed) or a site banner. Continued use after changes implies acceptance. Check this page periodically.

10. Contact Us

For privacy questions, complaints, or requests:

  • Email: info@technicalmitra.com
  • Author/Data Protection Officer: Nitish Verma
  • Address: Darbhanga, Bihar, India (physical address available upon request)

Thank you for trusting TechnicalMitra.com. We value your privacy and are dedicated to transparent, educational content.