Privacy Policy

This Privacy Policy describes how BM Consulting ("we", "us", "our"), operated by Mahesh Joshi, collects, uses and protects information when you visit maheshjoshi.in or engage with our coaching and consulting services and digital products.

1. Information We Collect

We may collect the following information when you interact with our website:

• Name, email address and phone number submitted through contact or lead forms
• Details you share with us when booking a call or consultation
• Payment-related information processed via our payment gateway (Razorpay) when you purchase a digital product or service — we do not store your card, UPI or bank details ourselves
• Basic technical data such as browser type, IP address and pages visited, for website performance

2. How We Use Your Information

• To respond to your enquiries and provide coaching/consulting services
• To process payments and deliver digital products you purchase
• To send relevant updates, offers or communication related to our services, where you have consented
• To improve our website and service quality

3. Sharing of Information

We do not sell or rent your personal information. We may share necessary information with trusted third parties strictly to operate our business, including:

• Payment processors (Razorpay) to complete transactions securely
• Email/communication service providers to send you updates you've opted into
• Legal authorities, where required by law

4. Data Security

We take reasonable technical and organisational measures to protect your personal information. Payment transactions are processed through Razorpay's secure, PCI-DSS compliant infrastructure — BM Consulting does not directly store your payment card details.

5. Cookies

Our website may use cookies to improve browsing experience and understand how visitors use the site. You can disable cookies through your browser settings, though some site features may not function as intended.

6. Your Rights

You may request access to, correction of, or deletion of your personal information held by us by contacting us using the details below.

7. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.