We are committed to creating a secure and user-friendly experience for every customer. To achieve this, we aim to be as clear as possible about all our policies, as is evident by our transparent Terms and Conditions.

When you visit our site, skilltwins.com, some of your personal information supplied during your order or by means of our cookies policy may be gathered.

Cookies are little text files that are stored within your browser’s cache. First and third-party cookies are used on this site for functionality, statistics, and advertising.

There are specific cookies necessary for a website to function properly. Cookies keep track of settings, thus allowing your shopping experience to be tailored to you (remembering your preferences or settings).

Cookies also gather data, such as session time, viewed pages, or general demographic information, like age and gender. The gathered information can then be used for analytical purposes, allowing us to generate customized shopping experiences for our users. We do not use cookies that will track or identify you personally.

The information we gather is what you supply when signing up for a newsletter or making a purchase. This is usually demographic information like name, address, or general contact information. Cookies also gather session data like viewed pages, session duration, transactions, and other demographic information (origin, gender, age).

Any information we gather is only shared with our affiliate partners for analytical purposes. We do not share your personal information beyond our brand and trusted partners.

We (skilltwins.com) own all media displayed on this website, unless stated otherwise. All photography is credited to Dino Deykun (dinodeykun.com).

You have the right to request your data. If something is incorrect, you can have it corrected or removed.

You can also disable cookies by changing your browser settings. You may use opt-out programs like ‘NAI’s Consumer opt-out’ or ‘Google Analytics opt-out browser add-on’ to prevent cookies from being used in your browser. Note that doing so may affect site functionality.

Our privacy policies are subject to change. All updates will appear on this page.

We may collect personally identifiable information ("Personal Information") that you provide directly to us, including but not limited to:

Name

Email address

Phone number

Payment or billing information (for paid services)

Date of Birth

We may automatically collect non-personal information about your interactions with our Website, including:

Browser type and version

IP address

Time and date of visit

Pages viewed

Referral source

We use cookies, beacons, and similar technologies to improve user experience, analyze Website traffic, and understand user behavior.

a. To provide and manage our financial education and guidance services.

b. To personalize your experience on the Website.

c. To process payments and deliver purchased content or services.

d. To send newsletters, updates, and promotional materials (with your consent).

e. To improve our Website functionality and offerings.

f. To comply with legal and regulatory obligations.

g. To protect against unauthorized access, fraud, and abuse.

a. Service Providers: We may share your information with third-party vendors who perform services on our behalf, such as payment processors, analytics providers, and hosting services.

b. Legal Compliance: We may disclose your information to comply with applicable laws, regulations, legal processes, or government requests.

c. Business Transfers: In the event of a merger, sale, or transfer of assets, your information may be included in the transferred assets.

d. With Your Consent: We may share your information for other purposes explicitly disclosed at the time you provide consent.

Depending on your location, you may have certain rights regarding your information, including:

a. Accessing your Personal Information.

b. Correcting or updating your Personal Information.

c. Requesting deletion of your Personal Information.

d. Opting out of marketing communications.

To exercise your rights, contact us at [insert contact email].

You have the following rights under the Digital Personal Data Protection Act, 2023:

a. Right to Access : You can request confirmation of whether we are processing your personal data and obtain access to that data.

b. Right to Correction and Erasure : You may request correction of inaccurate or misleading personal data and request erasure when it is no longer needed.

c. Right to Grievance Redressal : You have the right to raise a grievance if you believe your personal data is being misused or mishandled. If your grievance is not resolved within a reasonable time (typically 7 working days), you may escalate it to the Data Protection Board of India.

d. Right to Nominate : You may nominate an individual to exercise your rights in the event of your death or incapacity.

e. Right to Withdraw Consent : You may withdraw your consent to data processing at any time. Please note that doing so may limit your access to some services.

To exercise your rights, or to file a grievance, please contact our Grievance Officer:

Name: Mohd Faheem Khan.

Email: privacypolicy@crescentknight.com

Response Time: Within 7 working days.

We may use behavioral data (e.g., clicks, scrolling, purchase patterns) to:

a. Customize content and recommendations.

b. Improve navigation and app usability.

c. Segment users for better support and onboarding.

Note: You can opt out of behavioral tracking via your browser or our cookie settings.

We are not a stock advisory service, financial advisor, or investment firm. The scans and information provided here are strictly for research and educational purposes only. They are not intended as investment advice, stock recommendations, or financial guidance of any kind.

We provide a clear and accessible mechanism for you to manage your consent preferences. You can:

a. Give or withdraw consent for marketing, analytics, and data sharing.

b. Modify preferences anytime through your account settings or privacy dashboard.

c. Contact us at privacypolicy@crescentknight.com to request manual changes or clarifications.

We collect only the data that is:

a. Relevant to the purpose for which it is collected.

b. Necessary for compliance and delivery of services.

c. Retained no longer than required.

Note: We continuously review our data collection practices to adhere to this principle.

We take reasonable steps to ensure that personal data is:

a. Accurate.

b. Complete.

c. Up to date.

Note: You are encouraged to regularly review and update your information.

In some cases, we may:

a. Anonymize or pseudonymize your data for analysis.

b. Aggregate data to generate usage statistics, insights, and trends without identifying individuals.

Note: This helps us improve our services while maintaining your privacy.

As a fintech company, we are required to:

a. Conduct AML (Anti-Money Laundering) and KYC (Know Your Customer) checks.

b. Retain transactional records for audit and legal purposes.

c. Report certain activities to regulatory authorities under Indian and international laws (e.g., RBI, SEBI, FATF).

In the event of a data breach, we will:

a. Notify affected users promptly (within 72 hours where required).

b. Inform regulators as required under applicable laws (e.g., DPDP, GDPR, CCPA).

c. Provide guidance on next steps to secure your account.

As per Indian data protection law, you may:

a. Nominate another individual to exercise your privacy rights on your behalf in the event of death or incapacity.

b. Contact us at privacypolicy@crescentknight.com to register or update this nomination.

If you use our webapp, we may request permissions such as:

a. Camera (for ID verification).

b. Microphone (for support calls).

c. Location (for fraud prevention or regional offers).

Note: All such permissions are optional and will be requested at runtime with your consent.

If we use AI-powered tools or machine learning systems, we will:

a. Inform users of their use in personalization or risk assessment.

b. Provide the ability to request human intervention in automated decisions (e.g., creditworthiness evaluation).

You have the right to:

a. Request a copy of your personal data in a structured, commonly used, machine-readable format (e.g., CSV, JSON).

b. Request that we transfer your data to another service provider, where technically feasible.

Where required by law (such as India’s RBI Guidelines or DPDP Act), we may:

a. Store certain categories of personal or financial data exclusively on servers located within the country.

b. Ensure cross-border transfers follow appropriate legal safeguards (e.g., SCCs, adequacy rulings, or user consent).

If our mobile or web app uses third-party SDKs or APIs (e.g., payment gateways, identity verification tools):

a. These may collect data directly or indirectly from your device.

b. We vet such third parties for security and compliance.

While we strive for accuracy, you are responsible for:

a. Providing complete and accurate information during registration or KYC.

b. Updating your profile or preferences as needed.

c. Notifying us of suspicious account activity.

Crescent Knight follows Privacy by Design and Privacy by Default principles by:

a. Embedding privacy in product development.

b. Limiting access on a need-to-know basis.

c. Defaulting to minimal and secure data sharing.

When you request account deletion:

a. We will verify your identity.

b. Data required by law (e.g., financial records) may be retained for a specific period.

c. Other data is erased, anonymized, or marked for deletion per our retention policy.

To increase transparency, we provide:

a. In-app notices when collecting sensitive permissions (e.g., camera, location).

b. Just-in-time explanations of how each permission will be used.

c. Links to this full privacy policy within the app.

We distinguish between:

a. Transactional communications (e.g., OTPs, confirmations), which are mandatory.

b. Marketing/promotional messages, which you can opt out of at any time through your preferences or unsubscribe link.

For security, regulatory, and compliance purposes, we maintain:

a. Audit logs of critical account activities (e.g., logins, withdrawals).

b. Timestamped records for dispute resolution or compliance checks.

Note: These logs are access-controlled and regularly reviewed.

For any high-risk data processing activities (e.g., automated profiling, biometric use), we conduct:

a. Risk assessments to evaluate potential harm to user rights.

b. Mitigation planning and internal documentation.

c. Independent reviews if required by law.

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required by law. When your information is no longer needed, we securely delete or anonymize it.

We implement appropriate technical and organizational measures to safeguard your information. However, no system can guarantee complete security. You are responsible for maintaining the confidentiality of your account information and password.

Our Website or webapp may contain links to third-party websites. We are not responsible for the privacy practices or content of such websites. Please review their privacy policies before providing any information.

Our Website or webapp is not directed to individuals under the age of 18. We do not knowingly collect Personal Information from children. If you believe we have collected information from a child, please contact us immediately.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Effective Date." Your continued use of the Website after changes are posted constitutes acceptance of the revised Privacy Policy.

We maintain an incident response plan to promptly address any data security incidents, including data breaches, ensuring quick containment, investigation, and communication with affected users.

All Crescent Knight employees undergo regular privacy and security training to ensure compliance with data protection laws and best practices for handling personal information.

If your data is transferred outside your country (e.g., servers or service providers abroad), we ensure appropriate safeguards such as standard contractual clauses or binding corporate rules to protect your privacy.

We provide a clear process for addressing privacy complaints. If you have concerns about our handling of your data, please contact us. We aim to resolve issues quickly and fairly. You also have the right to contact data protection authorities.

We may use automated tools or AI for personalized recommendations, risk assessment, or fraud detection. You have the right to request human review of decisions affecting you significantly.

We offer security features such as two-factor authentication (2FA) and security alerts to help you protect your account. We encourage enabling these features for enhanced protection.

We maintain secure backups of personal data to prevent loss and ensure continuity of service in case of technical failures or disasters.

We enter into agreements with third-party processors to ensure they meet our standards for data protection and comply with applicable laws.

If you submit content (comments, reviews, feedback), you grant us a license to use it as described in our Terms of Service. We are not responsible for the privacy of information you voluntarily disclose.

We analyze marketing data to optimize campaigns and measure effectiveness but do so without compromising your personally identifiable information unless you provide consent.

We provide easy-to-use mechanisms for opting out of marketing communications, cookies, and tracking where applicable.

If applicable, we may allow third-party advertising on our site; these providers may collect data via cookies or other technologies subject to their own privacy policies.

We provide tools and instructions for managing cookies on your browser, including how to disable or delete cookies.

We retain access and activity logs for a defined period to support security monitoring and forensic investigations.

If you have any questions or concerns about this Privacy Policy, please contact us at privacypolicy@crescentknight.com.