Privacy Policy

This policy covers the NexImpera website (neximpera.com) and the NexImpera Android app (package com.neximpera.neximpera). Both use the same account and the same servers, so everything below applies to both unless a section says otherwise.

1. What we collect

When you create an account, we collect your name, email address, and optionally a phone number and city. If you complete the Financial Health Score, we store your answers to compute your score. If you use the Virtual Portfolio, we store your simulated trades and balances — never real financial account details, because none are ever asked for.

As you learn, we store your app activity: lessons and courses completed, quiz and exam answers and scores, XP, streaks, certificates earned, Market Call votes, and any community posts, comments or likes you make (posts are visible to other members). If you send feedback or a rating from the app, we store it with the app version.

If you choose to fill in a form asking to be contacted — for example a learning plan or a request to speak to a SEBI-registered professional — we store what you entered together with a record of the consent you gave. These boxes are never pre-ticked.

On your device only: the app keeps your sign-in token in encrypted device storage, plus saved items, calculator plans and people you have hidden; these are not sent to us. Calculators run entirely on your device.

The app does not access your location, contacts, camera, microphone, photos/files, SMS or call logs. The only device permission it uses is internet access.

We never ask for your PAN, Aadhaar, bank account, or trading account details for any feature on this site or app, and you should treat any message claiming to be from us that does as fraudulent.

2. Why we collect it

• Account & login — to identify you and keep your progress, streaks and Virtual Portfolio attached to your account.
• Email verification — a one-time code is sent to confirm the address is real and belongs to you, before the account becomes active.
• Certificates — your name is printed on any Academy certificate you earn, and a copy is emailed to you.
• Product improvement — aggregate, non-identifying usage patterns (which quizzes are popular, which lessons are skipped) to improve the platform.

3. How your password is stored

Passwords are never stored in plain text. They are hashed with bcrypt before being saved, which means even we cannot read your password — only verify a login attempt against the hash. If our database were ever compromised, your password would not be readable from it.

4. Cookies

We use one essential session cookie to keep you signed in. It is required for the site to function and is not used for cross-site advertising or tracking. If Google Analytics is enabled on this site, it uses its own standard cookies under Google's privacy terms. The Android app does not use cookies; it signs you in with a token stored on your device.

5. Advertising in the app

The Android app may show a small number of clearly labelled ads, served by Google AdMob. We request non-personalised ads only. To serve and measure ads and prevent fraud, Google may collect your device's advertising ID, IP address and basic device information, under Google's advertising policies. You can reset or delete your advertising ID in your Android settings (Settings › Privacy › Ads). Ads never appear inside lessons, quizzes, exams, sign-in or your profile, and are only shown when ads are switched on for the app.

6. Who we share data with

We do not sell your personal data. It is shared only with:

• Our email delivery provider, solely to send verification codes, welcome emails and certificates you have earned.
• Our hosting provider, which stores the database this runs on.
• Google AdMob, in the app only, as described in section 5.
• A SEBI-registered professional, only if you explicitly ask to be contacted by one and tick the consent box — and then only the details you entered in that form. NexImpera itself does not give investment advice.
• Law enforcement, only if legally compelled to disclose specific information.

Community posts and comments you choose to publish are visible to other signed-in members. All data travels over encrypted HTTPS connections.

7. Your rights and deleting your account

You can request a copy of the personal data we hold about you, ask us to correct it, or withdraw a consent you gave, by contacting us using the details below. We will act on a verified request within a reasonable time.

You can delete your account at any time:

• In the app: You › Delete account.
• On the web, without the app: https://neximpera.com/account-delete.

Deleting your account removes your name, email, phone, city and profile, removes your community posts and comments, and signs you out of every device.

8. Data retention

Account data is kept for as long as your account is active. If you delete your account, we remove personally identifying information; some aggregate, anonymised records (such as total quiz attempts across all users) may be retained for statistics, since they no longer identify anyone. Records we are required to keep by law are kept only for as long as the law requires.

9. Children

This platform is intended for users aged 18 and above, consistent with the legal age for opening an investment account in India. We do not knowingly collect data from minors, and the app is not designed for children.

10. Changes to this policy

If this policy changes materially, the "Last updated" date above will change and, where appropriate, we will notify registered users by email.

11. Contact and grievance officer

For any privacy question, data request or complaint (including under India's Digital Personal Data Protection Act, 2023), contact our grievance officer:

Write to hello@neximpera.com — Mumbai, Maharashtra, India.