Sibi Paul

Last Updated: 19-Dec-2025

This Privacy Policy (“Policy”) describes how ZOHAR WEALTH PRIVATE LIMITED, a private limited company incorporated under the laws of India (hereinafter referred to as “ZOHAR WEALTH”, “Company”, “we”, “us”, or “our”), collects, uses, processes, stores, shares, and protects personal data of individuals (“you”, “your”, or “data principal”) who access or use the website https://sibipaul.com (the “Website”) or interact with our services.

The Website is operated under the brand name “Sibi Paul”, which is a brand owned and operated by ZOHAR WEALTH PRIVATE LIMITED. All data collected through the Website or related communication channels is controlled and processed by ZOHAR WEALTH PRIVATE LIMITED as the data fiduciary.

This Policy is drafted in accordance with applicable laws and regulations in India, including the Digital Personal Data Protection Act, 2023 (DPDP Act), relevant TRAI / DLT regulations, guidelines applicable to WhatsApp Business, payment gateway requirements, and industry standards applicable to wealth management, financial education, consulting, and lead-generation activities.

1. Scope and Applicability

This Privacy Policy applies to all personal data collected or processed by us through:

• The Website and landing pages

• Online and offline lead-generation forms

• WhatsApp Business communications

• SMS communications

• Email communications

• Telephone calls

• Paid consulting, courses, and educational programs

• Content interactions (videos, articles, downloads)

By accessing the Website or providing your personal data, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

2. Company Identification and Contact Details

Legal Name: ZOHAR WEALTH PRIVATE LIMITED
Website: https://sibipaul.com

Brand Name: Sibi Paul
Registered Office Address:

Business name: ZOHAR WEALTH PRIVATE LIMITED

Zohar Tower

Eanthikkala, Arayur

Neyyattinkara

Thiruvananthapuram

Kerala - 695122

Email: [email protected]

Grievance Officer / Privacy Contact: [email protected]

For any privacy-related queries, consent withdrawal, or grievances, you may contact us at the above email address.

3. Nature of Our Activities

ZOHAR WEALTH PRIVATE LIMITED is engaged in:

• Wealth management and financial education

• Lead generation for financial and insurance products

• Paid consulting and advisory services

• Online and offline courses and training programs

• Content publishing through videos, articles, and educational material

We do not provide guaranteed financial returns, investment advice, or insurance underwriting unless explicitly stated and governed by separate agreements and applicable regulations.

4. Categories of Personal Data We Collect

4.1 Data Provided Directly by You

• Full name

• Email address

• Mobile number(s)

• WhatsApp number

• Alternate contact number(s)

• Information submitted through enquiry forms, registrations, or consultations

• Communication content shared with us (messages, emails, calls)

4.2 Automatically Collected Data

• IP address

• Browser type and device information

• Date, time, and pages visited

• Cookies and similar tracking technologies

4.3 Payment-Related Information

Payments may be made through third-party gateways including (but not limited to) Razorpay, Cashfree, PayU, Paytm, PayPal, PhonePe, UPI, bank transfer, or other authorised methods.

We do not store sensitive payment information such as card numbers, CVV, or banking credentials. Such data is processed directly by payment service providers under their respective privacy policies.

5. Purpose of Data Collection and Use

We may use personal data for the following purposes:

• Responding to enquiries and requests

• Delivering educational content, consulting, and services

• Managing leads and client relationships

• Sending transactional communications (confirmations, reminders, updates)

• Sending promotional, marketing, or educational communications (where consented)

• Processing payments and maintaining transaction records

• Compliance with legal, regulatory, audit, and reporting requirements

• Improving Website performance and user experience

6. Lawful Basis for Processing

Personal data is processed based on one or more of the following lawful grounds:

• Explicit consent provided by you

• Performance of a contract or service requested by you

• Compliance with legal or regulatory obligations

• Legitimate business interests, where permitted by law

7. Communication via WhatsApp, SMS, Email, and Calls

By submitting your personal information and providing explicit consent, you agree to receive communications from us via:

• WhatsApp Business

• SMS

• Email

• Telephone calls

Such communications may include transactional messages, service updates, educational content, promotional offers, and follow-ups related to your enquiry or services.

We follow applicable WhatsApp Business policies, TRAI / DLT guidelines, and consent requirements before initiating communications.

8. Promotional Communications and Consent

Promotional or marketing communications are sent only after obtaining explicit consent. Consent may be collected through checkboxes, forms, or other affirmative actions.

You may withdraw consent or opt out of promotional communications at any time without affecting access to services already availed.

9. Opt-Out and Withdrawal of Consent

You may opt out of communications at any time by:

• Replying STOP to WhatsApp or SMS messages (where applicable)

• Using unsubscribe links in emails

• Writing to [email protected]

Please note that even after opting out of promotional communications, we may continue to send transactional or legally required messages.

10. Consent Records and Audit Compliance

We maintain records of consent, including source, date, time, and purpose, to demonstrate compliance with applicable laws, TRAI regulations, WhatsApp BSP requirements, payment gateway audits, and internal governance.

11. Data Sharing and Third-Party Processors

We may share personal data with trusted third parties strictly for legitimate business purposes, including:

• WhatsApp Business Solution Providers

• SMS and email service providers

• CRM and automation platforms

• Payment gateways and financial institutions

• Legal, compliance, audit, and professional advisors

All such parties are required to maintain confidentiality and appropriate data protection standards.

12. Data Security Measures

We implement reasonable administrative, technical, and organisational safeguards to protect personal data against unauthorised access, misuse, loss, or disclosure. However, no system can guarantee absolute security.

13. Data Retention

Personal data is retained for as long as necessary to fulfil the stated purposes or as required under applicable laws, regulatory, audit, or contractual obligations.

13A. Data Breach and Incident Response:
In the event of a personal data breach, we will take reasonable steps to investigate, mitigate, and remediate the incident. Where required under applicable law, we will notify affected individuals and relevant authorities in accordance with legal and regulatory requirements.

13B. International Data Processing and Transfers:
Some of our service providers may process data outside India. In such cases, we ensure appropriate safeguards and contractual protections are in place in accordance with applicable laws.

14. Your Rights as a Data Principal

Subject to applicable law, you have the right to:

• Access your personal data

• Request correction or updates

• Request deletion (where legally permissible)

• Withdraw consent

• Raise grievances or complaints

Requests may be sent to [email protected].

15. Children’s Data

We do not knowingly collect personal data of individuals under 18 years of age. If such data is collected inadvertently, it will be deleted upon discovery.

16. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the privacy practices or content of such websites.

17. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Updates will be published on this page with a revised “Last Updated” date.

18. Grievance Redressal

For any privacy-related concerns, grievances, or requests, please contact:

Email: [email protected]

19. Educational use disclaimer (very important)

All content and services offered through sibipaul.com are for educational and informational purposes only.
We do not provide financial, legal, medical, or investment advice.