PRIVACY POLICY - BULLRUSH.IN

Last Updated: 29/07/2025 8:33pm

ABOUT BULLRUSH.IN & CRITICAL DISCLAIMERS

MAKAV FINTECH LLP, a Limited Liability Partnership firm having its registered office at Hyderabad, India (hereinafter referred to as "Firm", "We", "Us", "Company" or "Our" which expression shall include its affiliates, subsidiaries, successors and assigns). The firm is involved in investment strategies and portfolio management, assistance in tax planning and compliance to minimize liabilities, financial literacy and owns and operates the website www.bullrush.in and/or the mobile application 'BULLRUSH' (collectively referred to as the "Platform").

"You" and "Your" shall mean anyone who visits, accesses, or uses the Platform or obtains Services from us through the Platform. We are committed to protecting Your privacy and the information You share with us while using and operating the Platform.

🚨 IMPORTANT DISCLAIMERS - READ CAREFULLY

NOT A REGISTERED INVESTMENT ADVISOR

Bullrush.in is NOT registered with the Securities and Exchange Board of India (SEBI) or any other financial regulatory authority
We do NOT provide investment advice, recommendations, or endorsements of any kind
We do NOT recommend any specific stocks, securities, mutual funds, or investment strategies
Nothing on our Platform constitutes financial, trading, or investment advice
All content is provided for informational and educational purposes only

AI-POWERED FEATURES - AUTOMATED & UNREVIEWED

All AI-generated summaries, analysis, insights, and outputs are fully automated
NO human review, validation, editing, or intervention is performed on AI content
AI features may produce errors, inaccuracies, or misleading information
AI systems may "hallucinate" or generate false information
Use AI features entirely at your own risk
Users must independently verify all AI-generated content

USER RESPONSIBILITY & RISK ACKNOWLEDGMENT

Use this Platform entirely at your own risk
All investment decisions are solely your responsibility
Conduct independent research before making financial decisions
Consult qualified, SEBI-registered financial advisors for personalized advice
We are not liable for any financial losses resulting from Platform use

Agreement & Integration
Information Collection
Use of Information
AI Processing & Automated Features
Information Sharing & Disclosure
Email Account Integration
Cookies & Tracking Technologies
Third-Party Links & Services
Data Security
Data Retention
Your Rights & Controls
Children's Privacy
International Data Transfers
Changes to Privacy Policy
Contact Information

1. AGREEMENT & INTEGRATION

1.1 Policy Scope

This privacy policy ("Privacy Policy") specifies the manner in which personal data and other information are collected, received, stored, processed, disclosed, transferred, dealt with or otherwise handled by the Firm. This Privacy Policy applies to all information collected through our Platform and Services.

Services Definition: Financial advisory, providing guidance on investment strategies and portfolio management, assistance in tax planning and compliance to minimize liabilities, financial literacy, and related educational services.

1.2 Third-Party Exclusions

This Privacy Policy does NOT apply to information provided to or collected by any third-party (excluding our group companies, affiliates and subsidiary companies) through the Platform, and any Third-Party Sites that You access or use in connection with Platform services.

1.3 Acceptance & Consent

By accessing the Platform and/or using the Services, You accept and agree to be bound by the terms and conditions of this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms & Conditions of the Platform ("Terms") and shall be read harmoniously with the Terms.

1.4 Electronic Record Compliance

This Privacy Policy is an:

Electronic record under the Information Technology Act, 2000 and rules made thereunder
Generated by computer system and does not require physical, electronic, or digital signature
Legally binding document governing our data practices

1.5 Non-Compliance Consequences

Non-compliance with this Privacy Policy by You or Your representatives gives us the right to:

Terminate Your access to services immediately
Remove non-compliant information
Take appropriate legal action as deemed necessary

2. INFORMATION COLLECTION

We may collect Personal Information, Transaction Information and Non-Personal Information when You register, set up an account, or avail Services. You can browse certain sections without registration, however, certain Services require registration with us.

2.1 Information You Provide Us

Personal Information includes:

Identification Details: Mobile number, email address, password, date of birth, gender
Identity Verification: Permanent Account Number (PAN), signature, marital status, nominee details
Address Information: Residential/current address details
Government Identifiers: Aadhaar card details, Voter ID, driving license, passport details
Educational Background: Education details and professional information
Additional Information: Case-by-case basis for You or persons acting on Your behalf

KYC Integration: Our affiliates, group, or subsidiary companies registered with financial services regulators may retrieve Your records from third parties including Know Your Customer (KYC) Registration Agency (KRA) such as name, KYC details, status, father's name, occupation, address details and related documents.

2.2 Transactional Information

Financial Data Collection:

Payment Details: Billing address, bank account details, payment method data
Financial Profile: Income, expenses, credit history, transaction history, balances
Investment Information: Transaction status/ID, investing patterns and behavior
Standing Instructions: Debit instructions or payment authorizations

Investment Tracking: If You choose to invest through the Platform, we collect information about Your transactions, patterns, and investment behavior.

2.3 Non-Personal Information and Cookies

Automatically Collected Data:

Technical Information: Internet protocol address, web request, operating system, browser type
Usage Data: URL, internet service provider, aggregate user data, pages requested
Device Information: Software and hardware attributes, cookie information
Analytics Data: Website flow, user trends, promotional effectiveness metrics

Cookie Usage: We use data collection devices ("cookies") to:

Analyze webpage flow and track user trends
Measure promotional effectiveness and promote trust/safety
Enable password-less entry during sessions
Provide personalized content and location-based services

Mobile Device Information: When You use mobile app, we may receive:

Location information (with consent)
IP address and device identifiers
Unique device identifier numbers
Mobile-specific usage patterns

Cookie Control: You can decline cookies through browser settings, though this may:

Limit certain Platform features or Services
Require password re-entry for each session
Affect personalized content delivery

2.4 User Communications

Communication Data Collection:

Message Board Posts: Comments on forums, chat rooms, message areas
Correspondence: Emails, letters, feedback submissions
Customer Service: Interactions with support representatives
AI Chatbot Communications: Conversations with integrated AI features
Third-Party Communications: Messages about Your Platform activities

Retention Purpose: Information retained to resolve disputes, provide customer support, respond to queries, troubleshoot problems, and improve Services.

2.5 SMS Data Access & Processing

SMS Data Collection: You specifically agree and provide consent enabling us and/or our group/associate/affiliate companies to:

Access and store SMS data for profile review and internal evaluation
Transfer and process SMS data for service enhancement
Share SMS data with third parties (Banks, NBFCs, Billers/Utility Service providers)

Bullrush SMS Processing: Bullrush may access and process Your SMS data for streamlining Platform usage through:

Relevant encryption methodologies such as hashing
Limited purpose utilization as set out in this Privacy Policy
Automated analysis for service improvement

2.6 Image Upload & Processing

Profile Images: We may upload Your image on our Platform for app functionality and You hereby give Your consent for:

Profile picture display and account identification
AI-powered image processing for enhanced features
Secure storage on our servers or trusted third-party providers

3. USE OF INFORMATION

3.1 Primary Usage Purposes

We use Personal Information, Non-Personal Information, Transactional Information, User Communications and other provided information for:

Service Delivery:

Provide and improve Services that You request
Resolve disputes and troubleshoot problems
Process and fulfill requests for Services
Customize Platform experience and share relevant content
Generate AI-powered insights and summaries (automated, unreviewed)

Security & Compliance:

Promote safe service and protect Platform integrity
Detect, prevent, and protect from errors, fraud, and criminal activity
Enforce and inform about terms and conditions
Collect money in relation to Services

Communication & Marketing:

Contact You regarding Services and updates
Inform about online and offline offers, products, services, and updates
Allow business partners to present customized messages
Communicate important notices or changes in Services and policies

3.2 AI and Automated Processing

AI-Powered Features Usage:

Automated market analysis and trend identification
Portfolio risk assessment and performance insights
Educational content generation and personalization
Investment pattern analysis (for informational purposes only)
News summarization and market commentary generation

Data Processing Consent: You hereby specifically agree and provide consent enabling Us and/or our group companies, subsidiaries, affiliates to:

Collect, store, transfer, process Your information with third parties
Banks, financial institutions, credit companies, SEBI-registered entities
NSE/BSE/CERSAI/payment gateways/collecting banks/KRAs etc.
Solely for profile review and transaction processing

3.3 Internal Research & Analytics

Behavioral Analysis:

Track information based on Platform behavior
Internal research on demographics, interests, and behavior patterns
Compiled and analyzed on aggregated basis (not individually)
IP address identification for server diagnostics and demographic information

Survey & Feedback:

Optional online surveys for contact and demographic information
Content tailoring based on interests and preferences
Promotional email customization (with opt-out capability)

3.4 Google API Compliance

Google Services Integration: Use of information received from Google APIs adheres to Google API Services User Data Policy, including Limited Use requirements.

4. AI PROCESSING & AUTOMATED FEATURES

4.1 AI Content Generation

⚠️ ZERO HUMAN OVERSIGHT WARNING: Our AI features operate completely autonomously:

Automated AI Services:

Market analysis and summaries generated without human review
Company performance insights created by algorithms
Portfolio risk assessments calculated automatically
Investment trend analysis produced by AI systems
Educational content generation through machine learning

4.2 AI Processing Methodology

How AI Works on Our Platform:

Data ingestion from multiple financial sources
Algorithm processing of market and user data
Pattern recognition and trend analysis
Automated content generation based on data patterns
Real-time processing without manual intervention

4.3 AI Data Sources & Training

Information Used for AI:

Your portfolio and transaction data (with consent)
Market data from licensed providers
Historical performance information
News articles and financial reports
Aggregated, anonymized user patterns

AI Training Consent: By using AI features, You consent to:

Automated processing of Your financial data
Pattern analysis for service improvement
Aggregated data usage for AI model enhancement
Third-party AI service processing (with data protection)

4.4 AI Limitations & Risks

CRITICAL AI DISCLAIMERS:

May produce factually incorrect information
Can generate misleading or biased analysis
No guarantee of accuracy, completeness, or timeliness
Experimental technology subject to malfunctions
Not suitable for making investment decisions
May hallucinate or create false information

User Responsibility: You must independently verify all AI-generated content and never rely solely on AI outputs for financial decisions.

5. INFORMATION SHARING & DISCLOSURE

5.1 Group Company Sharing

Internal Sharing: We may make Your information available to:

Group companies, affiliates, and subsidiary companies including MAKAV FINTECH LLP
All shared information governed by this Privacy Policy
Aadhaar provision is voluntary and handled in compliance with applicable laws

5.2 Third-Party Service Providers

Authorized Disclosures to third-party vendors, consultants, and service providers who are:

Bound by contractual obligations to keep information confidential
Limited to specific purposes for which We disclose information
Required for Service provision including payment processing, marketing, auditing, data analysis
Fraud prevention and investigation purposes

Your Consent: You hereby give consent for such disclosures.

5.3 AI Service Providers

AI Processing Partners:

Machine learning platforms for content generation
Natural language processing services
Analytics providers for AI performance monitoring
Cloud computing services for AI model hosting

AI Data Protection: All AI partners are contractually bound to:

Protect Your data and maintain confidentiality
Not use data for their own model training
Comply with data protection standards
Delete data upon contract termination

5.4 Legal & Regulatory Disclosures

Required Disclosures to the extent necessary:

Comply with laws and respond to lawful requests
Protect rights and property of the Firm, users, and others
Enforce Terms and investigate violations
Emergency situations to protect personal safety and assets
No obligation to inform or seek approval in such events

5.5 Business Transfers

Corporate Transactions: We and our group companies may:

Share/transfer/assign all Personal Information and other data
In compliance with applicable laws during mergers, sales, reorganizations
Amalgamations, joint ventures, assignments or business transfers
Subject to same privacy protections in the new entity

6. EMAIL ACCOUNT INTEGRATION

6.1 Email Connection Consent

Explicit Consent Process: You choose to provide explicit consent to:

Connect/integrate email accounts with Your Platform account
Click authentication email sent by the Firm
Enable access to one or more email accounts
Expressly asked in each case whether You want connection

6.2 Email Data Usage

Integration Purpose: Data obtained through email integration used solely for:

Providing Services and improving Platform features
Consolidating investment details and history
Enhancing user experience of Platform features

Third-Party Advertising Restriction: We shall NOT use or transfer any data from email integration to third parties for:

Serving advertisements including retargeting
Personalized or interest-based advertising
Commercial purposes outside Service provision

6.3 Email Management Controls

User Control Options:

Review information prior to giving integration consent
Opt to de-link email addresses at any time
Manage connections through Platform options
Maintain control over email access permissions

7. COOKIES & TRACKING TECHNOLOGIES

7.1 Cookie Types & Purposes

Essential Cookies:

Session management and user authentication
Security features and fraud prevention
Platform functionality and user preferences
Password-less entry during active sessions

Analytics Cookies:

Usage statistics and performance monitoring
User behavior analysis for service improvement
AI feature interaction tracking and optimization
Promotional effectiveness measurement

Personalization Cookies:

Customized content delivery based on preferences
Location-based services (with consent)
Targeted content and feature recommendations

7.2 Third-Party Cookies

External Service Cookies:

Payment gateway processing cookies
Social media integration tracking
Analytics providers (Google Analytics, etc.)
Customer support chat systems

7.3 Cookie Management

User Controls:

Browser settings to accept, reject, or delete cookies
Platform preferences for non-essential cookies
Third-party opt-out tools and mechanisms
Granular controls for different cookie types

Impact of Cookie Blocking:

Limited Platform functionality may result
Personalization features may not work
Session management may be affected
Security features might be compromised

8. THIRD-PARTY LINKS & SERVICES

8.1 External Links & Platforms

Third-Party Connections: Our Platform contains hypertexts, links, and addresses to:

Other websites and web pages for reference and convenience
Different platforms owned by other persons or organizations
Social media and community platforms
Educational resources and content providers

8.2 Third-Party Disclaimer

No Control or Responsibility:

Not responsible for content accuracy on linked websites
No control over third-party privacy practices
Not liable for products, services, or content quality
Users solely responsible for third-party interactions

Risk Acknowledgment: Users acknowledge responsibility for:

Reviewing third-party privacy policies and terms
Understanding risks of viruses, malware, harmful materials
Independent verification of third-party information
Compliance with third-party terms and conditions

8.3 Advertising & Sponsored Content

Third-Party Advertising:

Platform may contain sponsored content and advertisements
Advertising companies may use information about Your visits
Not including Your name, address, email, or telephone number
Provide advertisements about goods and services of interest

Advertising Disclaimer: We are not liable for information published in search results or by Third-Party Sites.

9. DATA SECURITY

9.1 Security Measures & Safeguards

Technical Safeguards:

Reasonable security measures in place to protect privacy and Personal Information
Protection from loss, misuse, unauthorized access, disclosure, destruction, alteration
Secure server usage when accessing account information
Latest secure server layers encryption and access control systems
SSL encryption for Transaction Information transmission

Organizational Measures:

Employee training on data protection protocols
Access controls on need-to-know basis
Regular security audits and vulnerability assessments
Incident response procedures for security breaches

9.2 Payment Security

Payment Data Protection:

Credit/debit card information NOT received or stored by us
Information provided directly to authorized payment gateways
PCI-compliant payment processors handle financial data
Encryption technology protects transmission

Third-Party Payment Processing: You expressly consent to sharing information with payment gateways and service providers to process payments and manage payment-related information.

9.3 Security Limitations & User Responsibility

Cannot Guarantee Absolute Security:

No internet transmission is 100% secure
Security risks may arise from hacking, virus dissemination, force majeure events
Breach of firewall or other external factors beyond our control
No liability assumed for disclosure due to transmission errors or unauthorized access

User Security Obligations:

Take adequate physical, managerial, technical safeguards to preserve data integrity
Keep Personal Information secure and protect account credentials
Not share login, password, OTP details with anybody
Notify immediately of unauthorized or illegal access

9.4 Security Breach Notification

Breach Response Protocol:

Immediate notification to You and/or appropriate authorities
Compliance with timelines prescribed under applicable laws
Remedial measures to prevent future incidents
Transparent communication about breach impact

Reasonable Security Practices: This Privacy Policy and implemented security controls constitute reasonable security practices and procedures under Section 43A of the Information Technology Act, 2000.

10. DATA RETENTION

10.1 Retention Periods

Information Storage Duration:

Account Data: As long as account remains active
Transaction Records: 7 years for regulatory compliance
Communication Logs: 3 years for customer service purposes
AI Processing Data: Varies by data type and legal requirements
KYC Documents: As required by financial regulations

10.2 Data Storage Locations

Storage Infrastructure:

All information stored on servers, log files, and storage systems
Owned by the Firm or trusted third parties in India
Cloud storage with appropriate data protection measures
Backup systems for data recovery and business continuity

10.3 Data Deletion & Anonymization

End of Retention:

Secure deletion of Personal Information when no longer needed
Data anonymization so information no longer attributable to You
Backup purging according to established schedules
Legal compliance retention for required periods

Deletion Limitations: Some information may be retained for:

Legal compliance requirements
Fraud prevention and security purposes
Dispute resolution and audit requirements
Regulatory obligations under applicable laws

11. YOUR RIGHTS & CONTROLS

11.1 Data Subject Rights

Access & Control Rights:

Right to Confirmation and Access: Know how Personal Data is being used
Right to Correction: Access, update, or correct Data residing with us
Right to Data Portability: Receive Personal Data in structured, machine-readable format
Right to Be Forgotten: Restrict or prevent continuing disclosure of Data
Right to Withdrawal of Consent: Exit or withdraw consent from data processing

11.2 Account Deletion Process

Account Removal: You may choose to delete Your account by:

Written request sent to in.bullrush@gmail.com
Complete account and information deletion from Platform
No longer able to access Platform or use Services
Reservation of right to not provide Services post-deletion

Deletion Outcome: We may delete Your information or de-identify it so it's anonymous and no longer attributable to You, subject to:

Policy requirements and legal obligations
Applicable law retention requirements
Some information retention as legally required

11.3 Communication Preferences

Marketing Controls:

Opt-out capability from promotional emails and communications
Email preference settings for various communication types
Unsubscribe mechanisms in promotional communications
Granular controls for different types of notifications

Service Communications: Even with opt-out, You may receive:

Non-promotional emails about Services and account
Administrative confirmations and service updates
Policy updates and important notices
Security alerts and account notifications

11.4 AI Processing Controls

AI Feature Management:

Opt-out of AI processing (may limit Platform functionality)
Control AI data usage for personalization
Manage AI-generated content preferences
Request AI data deletion (subject to technical limitations)

11.5 Exercising Your Rights

Request Process:

Email requests to in.bullrush@gmail.com
Identity verification required for security
Response within 30 days of request verification
Clear explanation of any limitations or exceptions

12. CHILDREN'S PRIVACY

12.1 Age Requirements

Minimum Age Policy:

Platform intended for users 18 years and older
No intentional collection of information from minors under 18
Registration requires age verification and confirmation

12.2 Parental Notice & Protection

Minor Data Discovery:

Prompt deletion of any discovered minor information
Account termination for underage users
Parental notification when possible and appropriate
Enhanced protection measures for any inadvertently collected minor data

12.3 Reporting Concerns

Contact for Minor Issues: Report concerns about minors providing information to in.bullrush@gmail.com with subject line "Minor Privacy Concern".

13. INTERNATIONAL DATA TRANSFERS

13.1 Cross-Border Processing

Global Service Infrastructure:

AI service providers may process data internationally
Cloud storage services may use global infrastructure
Payment processors may operate across borders
Analytics providers may have international operations

13.2 Data Protection Standards

Transfer Safeguards:

Adequate protection through contractual safeguards
Compliance with applicable data protection laws
Regular monitoring of international partners
Data localization preferences where legally required

13.3 User Consent for Transfers

By using our Platform, You consent to:

International data transfers necessary for Service provision
AI processing by global service providers
Cross-border communications for customer support
International backup and disaster recovery systems

14. CHANGES TO PRIVACY POLICY

14.1 Amendment Rights

Modification Authority: We reserve the unconditional right to:

Change, modify, add, or remove portions of this Privacy Policy
Update practices to reflect service changes
Comply with legal requirements and regulations
Improve transparency and user understanding

14.2 Notification Methods

Change Communication:

Push notifications or in-app alerts (at our sole discretion)
Email notifications to registered users
Prominent website notices of material changes
"Last Updated" date modifications for all changes

14.3 Acceptance & Effect

Immediate Effectiveness: Changes are effective immediately upon posting Continued Use: Constitutes acceptance of modified Privacy Policy Legal Binding: You shall be legally bound by updated terms Review Responsibility: You should regularly review for updates by checking "Last Updated" date

Determination of Changes: You can identify changes by reviewing the "Last Updated" date above.

15. CONTACT INFORMATION

15.1 Grievance Officer

Name: Abhinav Reddy
Email: in.bullrush@gmail.com
Responsibility: Privacy Policy compliance and user grievances
Response Time: Within 30 days of verified request
Available for: Data protection matters, privacy concerns, rights requests

15.2 General Privacy Inquiries

Privacy Questions: in.bullrush@gmail.com
Subject Line: "Privacy Policy Inquiry"
Response Time: Within 48 hours during business days
Available for: General privacy questions, policy clarifications

15.3 Data Protection Officer

Data Protection Matters: in.bullrush@gmail.com
Subject Line: "Data Protection Request"
Handles: Data subject rights, consent management, data processing inquiries

15.4 Company Address

MAKAV FINTECH LLP
Registered Office: Hyderabad, Telangana, India
Business Address: [Insert complete business address]
Contact Number: [Insert contact number]

16. GOVERNING LAW & JURISDICTION

16.1 Legal Framework

Governing Law: This Privacy Policy is governed by and construed in accordance with the laws of India and subject to the exclusive jurisdiction of Courts of Hyderabad, Telangana.

16.2 Compliance Standards

Regulatory Compliance:

Information Technology Act, 2000 and rules thereunder
Personal Data Protection regulations as applicable
Financial sector data protection requirements
Industry best practices for privacy and security

17. PROHIBITED USER ACTIVITIES

17.1 Content Restrictions

You shall NOT host, display, upload, modify, publish, transmit, store, update or share information that:

Belongs to another person and to which You do not have rights
Is obscene, pornographic, paedophilic, invasive of privacy, insulting or harassing
Racially or ethnically objectionable, promoting enmity between groups
Relates to money laundering, gambling, or illegal activities
Is harmful to children or promotes illegal activities
Infringes patents, trademarks, copyrights or proprietary rights
Deceives or misleads about message origin or contains misinformation
Impersonates another person or entity
Threatens unity, integrity, defense, security of India or friendly relations
Contains malware, viruses or harmful computer code
Violates any applicable law or regulation

17.2 Privacy Violations

Prohibited Privacy Activities:

Attempting to access other users' personal information
Sharing or distributing confidential data without authorization
Circumventing privacy controls or security measures
Misusing AI features to extract personal information
Creating fake accounts or providing false information

18. CONSENT MANAGEMENT

18.1 Voluntary Disclosure

Information Provision: All information disclosed by You including Personal Information, Non-Personal Information, User Information and Transaction Information is deemed disclosed willingly and without coercion.

18.2 Accuracy Responsibility

No Liability for User Data: No liability pertaining to authenticity/genuineness/misrepresentation of Personal Information provided by You shall lie on the Firm. We are not responsible to verify any information obtained from You.

18.3 Consent Withdrawal Process

Withdrawal Mechanisms:

Email request to in.bullrush@gmail.com
Account settings modification for certain data types
Granular controls for specific processing activities
Complete account deletion option available

Effect of Withdrawal:

May limit Platform functionality and Services
Some processing may continue for legal compliance
Historical data may be retained as legally required
Service quality may be affected

19. MANDATORY FIELD INDICATORS

19.1 Information Requirements

Field Designation: Wherever possible, we indicate:

Mandatory fields required for Service provision
Optional fields for enhanced experience
Clear choice to not provide information by not using specific Services

19.2 Voluntary Participation

User Choice: You always have the option to:

Not provide Personal Information by choosing not to use particular Services
Skip optional fields without affecting core functionality
Limit data sharing through privacy controls
Opt-out of specific data processing activities

20. GOOGLE API SERVICES COMPLIANCE

20.1 Google Integration

Google Services Usage: Use of information received by the Firm and/or its affiliates from Google APIs will adhere to:

Google API Services User Data Policy
Limited Use requirements as specified by Google
Data minimization principles for Google-sourced information
User consent requirements for Google data access

20.2 Google Data Processing

Google-Sourced Information:

Email integration data from Gmail APIs
Calendar information for scheduling features
Drive access for document management (with consent)
Analytics data for service improvement

FINAL ACKNOWLEDGMENT

BY USING BULLRUSH.IN, YOU ACKNOWLEDGE AND AGREE THAT:

✅ We are NOT SEBI registered - no regulated financial advice provided
✅ All AI content is automated without human review - may contain errors
✅ No investment recommendations - all content is informational only
✅ Use entirely at your own risk - no liability for financial decisions
✅ Independent verification required - especially for AI-generated content
✅ Consult qualified advisors - for personalized financial guidance
✅ Data processing includes AI - automated analysis without manual oversight
✅ Privacy practices are transparent - outlined in this comprehensive policy

This Privacy Policy constitutes your agreement to our data practices. If you do not agree with any part of this policy, please discontinue use of the Platform immediately.

MUTUAL EXCLUSION CLAUSE: Users expressly agree that they shall abide by the mutual exclusion clause of the Terms of Use, which applies equally to privacy matters.

21. ENHANCED RISK WARNINGS

21.1 Investment Risk Disclosures

Financial Decision Risks:

Past performance does not guarantee future results
All investments carry risk of loss, including total loss of capital
Market data and AI analysis may be delayed, inaccurate, or incomplete
Technical indicators and AI insights are not predictive of future performance
No guarantee of investment success based on Platform information

21.2 Platform & Technology Limitations

Service Limitations:

Service interruptions may occur without notice
Data feeds may be delayed or contain errors
AI features are experimental and may malfunction
No guarantee of continuous service availability
Technical failures may affect data accuracy

21.3 AI-Specific Risk Warnings

AI Technology Risks:

AI models may become outdated and produce irrelevant insights
Training data limitations may affect AI accuracy
Algorithmic bias may influence AI outputs
AI system failures may occur without warning
Model degradation over time may reduce quality

22. SPECIAL PROVISIONS FOR INDIAN USERS

22.1 Indian Regulatory Compliance

Local Law Compliance:

RBI guidelines for financial data processing
SEBI regulations for investment-related information
IT Act 2000 for electronic data processing
Consumer Protection Act provisions for digital services

22.2 Data Localization

Indian Data Storage:

Critical Personal Data stored within India as required
Cross-border transfers with appropriate safeguards
Regulatory approval for sensitive data transfers
Local backup systems for data recovery

22.3 Language & Accessibility

Regional Considerations:

English language as primary communication medium
Regional language support may be added in future
Accessibility features for differently-abled users
Cultural sensitivity in content and communications

23. EMERGENCY DATA ACCESS

23.1 Emergency Situations

Crisis Response Data Access:

Account recovery during emergencies
Family member access with proper legal documentation
Medical emergency information sharing with consent
Law enforcement cooperation as legally required

23.2 Data Recovery Services

Business Continuity:

Disaster recovery protocols for data protection
Backup systems for service continuity
Emergency access procedures for critical situations
Data integrity maintenance during disruptions

24. TRANSPARENCY REPORTING

24.1 Data Requests & Disclosures

Government Requests:

Annual transparency reports on data requests (when legally permissible)
Statistical disclosure of law enforcement requests
User notification of data requests when legally allowed
Legal challenge of overly broad requests

24.2 Security Incident Reporting

Incident Transparency:

Timely notification of significant security incidents
Impact assessment and remedial measures communication
Regular security updates and improvement reports
User education on security best practices

25. ADDITIONAL DISCLAIMERS

25.1 No Professional Relationship

Relationship Clarification:

No fiduciary duty created through Platform use
No professional advisor-client relationship established
No confidential or privileged communication created
Users remain responsible for their own decisions

25.2 Third-Party Accuracy

External Information Disclaimer:

Third-party data accuracy not guaranteed by us
Government website dependencies affect our data quality
Real-time data limitations from external providers
No control over third-party service availability

25.3 Technology Evolution

Platform Evolution:

Features may change without notice
AI capabilities will evolve over time
New privacy practices may be implemented
Legacy feature support may be discontinued

26. CONTACT METHODS & SUPPORT

26.1 Multiple Contact Channels

Customer Support Access:

Email: in.bullrush@gmail.com (Primary)
Response Time: 48 hours for general inquiries
Priority Support: Available for Premium subscribers
Emergency Contact: Available for security incidents

26.2 Specialized Support Teams

Department-Specific Contacts:

Privacy Matters: Data Protection Officer via in.bullrush@gmail.com
Technical Issues: Technical Support via in.bullrush@gmail.com
Billing Questions: Billing Support via in.bullrush@gmail.com
AI Feature Issues: AI Support via in.bullrush@gmail.com

26.3 Response Time Commitments

Service Level Agreements:

General Inquiries: 48 hours during business days
Privacy Rights Requests: 30 days maximum
Security Incidents: 24 hours for acknowledgment
Billing Issues: 24 hours for initial response

27. POLICY ENFORCEMENT

27.1 Monitoring & Compliance

Privacy Compliance Monitoring:

Regular privacy audits and assessments
Employee training on privacy practices
Third-party compliance verification
Continuous improvement of privacy controls

27.2 Violation Response

Privacy Violation Actions:

Immediate investigation of reported violations
Corrective measures implementation
User notification of resolution steps
Process improvements to prevent recurrence

COMPREHENSIVE DISCLAIMER SUMMARY

FINAL COMPREHENSIVE ACKNOWLEDGMENT

This Privacy Policy provides complete transparency about our data practices while emphasizing the following critical points:

🔴 REGULATORY STATUS: We are NOT SEBI registered and provide NO financial advice

🤖 AI AUTOMATION: All AI features operate WITHOUT human review and may contain errors

⚠️ USER RISK: You use this Platform entirely at your own risk for informational purposes only

🔒 DATA PROTECTION: We implement industry-standard security while being transparent about limitations

📱 SERVICE NATURE: We are a technology platform providing tools and information, NOT professional advisory services

By continuing to use Bullrush.in, you confirm understanding and acceptance of these limitations and agree to use the Platform responsibly.