privacy

NRI Adda ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application and website at www.nrifam.com (collectively, the "Service").

We collect information you provide directly: • Account information: phone number, name, email address • Profile information: display name, avatar photo, professional details • Content you post: forum posts, comments, listings, reviews • Emergency contacts: encrypted and stored securely in your vault • Communications: feedback, feature requests, support inquiries We automatically collect: • Device information: device type, operating system, browser type • Usage data: features accessed, pages viewed, interaction patterns • Location data: city/zip code you provide for local features (not GPS tracking)

We use your information to: • Provide, maintain, and improve the Service • Create and manage your account • Send OTP codes for account verification and login via SMS • Send push notifications you have opted into • Personalize your experience based on location preferences • Facilitate connections between community members • Respond to your inquiries and provide support • Detect and prevent fraud or abuse • Comply with legal obligations

We send SMS messages to your registered phone number for: • One-time passwords (OTP) for account authentication • Account security alerts We do not send marketing messages via SMS. Message and data rates may apply. See our SMS Consent & Messaging Policy for full details.

We do not sell your personal information. We may share your information with: • Other users: Profile information you choose to make public (e.g., directory listings, forum posts, marketplace listings) • Service providers: Third-party services that help us operate the Service (e.g., cloud hosting, SMS delivery via Twilio) • Legal requirements: When required by law, subpoena, or to protect our rights • Business transfers: In connection with a merger, acquisition, or sale of assets

We implement appropriate technical and organizational measures to protect your information, including: • Encryption of sensitive data (emergency contacts use column-level encryption) • HTTPS/TLS for all data transmission • JWT-based authentication with token expiration • Secure cloud infrastructure on Microsoft Azure No method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

We retain your personal information for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data by contacting us at support@nrifam.com.

Depending on your jurisdiction, you may have the right to: • Access the personal information we hold about you • Correct inaccurate personal information • Delete your personal information • Object to or restrict processing of your information • Data portability • Withdraw consent To exercise these rights, contact us at support@nrifam.com.

The Service is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we learn we have collected information from a child under 13, we will take steps to delete it promptly.

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We use the following third-party services: • Twilio: For SMS/OTP delivery • Microsoft Azure: Cloud hosting and storage • Expo: Push notification delivery • Neon.tech: Database hosting

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Service. Your continued use of the Service after changes constitutes acceptance.

If you have questions about this Privacy Policy, please contact us at: Email: support@nrifam.com Website: www.nrifam.com