This Privacy Policy explains what personal data ProBankershub collects when you use our website and our Android and iPhone apps, why we collect it, who we share it with, how long we keep it and the rights you have over it. In this policy, "we", "us" and "our" mean Studyhub Technologies, which decides why and how your personal data is processed and is the Data Fiduciary under the Digital Personal Data Protection Act, 2023.
We process personal data in line with the Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025 (together, the "DPDP law"), and the Information Technology Act, 2000 and the rules made under it. If anything here is unclear, write to our Grievance Officer (section 13).
1. What we collect
Information you give us
Account details: Your name, e-mail address, mobile number and password. The password is stored only in a scrambled (hashed) form that nobody, including us, can read.
Study profile: Your bank, the scale you are preparing for and, if you choose to add it, your employee number.
Messages to us: What you write in support tickets, e-mails or chats, and the contact details you use.
Billing details: The plan you buy, any coupon code you use, and the details printed on your GST invoice.
Information created when you use the service
Study activity: The question sets and mock tests you attempt, your answers, scores and time taken, bookmarks, audio listening progress, study streaks and readiness reports.
Payments: Order and payment references, amount, GST, payment status and the type of payment method, as reported by our payment gateway. We never see or store your full card number, CVV, UPI PIN or net-banking password: you enter those only on Razorpay's secure checkout.
Devices and sessions: Device type and model, operating system, app version, browser, IP address, sign-in times and last activity, and a notification token for push messages. We use these to apply the device limit (section 7) and to show you where your account is signed in.
Security and content protection: The one-time passwords (OTPs) we send to verify your mobile number, stored only in hashed form and valid for a few minutes; records of attempts to copy, print, screen-record or screenshot protected content or to open it with developer tools, with the device and IP address; and, in the app, whether the device appears to be rooted or jailbroken.
Offline downloads: Which lectures, documents and question sets you downloaded to which device, and when each download licence was issued, renewed or ended. The downloaded files are encrypted on your device and we do not hold the keys.
Technical logs: Our servers record requests (IP address, browser, the page or address requested, time and result) to keep the service secure and working.
We do not ask for sensitive information such as bank account or card details, health data, caste or religion. Please do not send it to us.
2. Why we use it
We use your personal data only to:
Create and run your account, verify your mobile number and let you sign in on the app and the website;
Provide the course: show the content for your bank and scale, save your progress, sync it between your devices and prepare your readiness report;
Take payments, activate and renew your plan, run autopay if you turn it on, issue GST invoices and process refunds;
Send you messages about your account: OTPs, payment confirmations and invoices, plan expiry reminders and important changes to the service; and, if you allow notifications, push messages about new content and study reminders, which you can switch off at any time;
Answer your questions and resolve your complaints;
Protect the service and its content: apply the device limit, place watermarks on protected pages and documents, detect and stop account sharing, piracy, fraud and abuse, and keep our systems secure;
Meet our legal duties, such as keeping tax and accounting records and answering lawful requests from authorities; and
Understand, in aggregate, which features and content are used, so that we can improve them.
We do not sell your personal data, we do not use it for advertising, and we do not let anyone else use it to advertise to you.
3. Consent and your choices
When you create an account, you agree to this policy and to our Terms and Conditions and give your consent to the processing described here. Some processing is also allowed by law without consent, for example keeping tax records or complying with a court order.
You can withdraw your consent at any time, as easily as you gave it, by deleting your account (section 9) or by writing to our Grievance Officer. Withdrawal does not affect processing that took place before it, but it means we can no longer provide the service to you. You can switch off push notifications in your phone's settings at any time without affecting your account.
4. Who we share it with
We share personal data only with the service providers that help us run ProBankershub, only as much as each of them needs, and on terms that require them to protect it and use it only for us:
Razorpay (payment gateway): Processes your payments and autopay mandates, and receives your name, e-mail address, mobile number and the payment details you enter on its checkout.
Fast2SMS and the telecom operators it uses: deliver the OTP text messages, and receive your mobile number and the code.
Google Firebase Cloud Messaging: Delivers push notifications to the app, and receives your device's notification token and the message.
Our web hosting, file storage and e-mail providers: Store the service's data and files and send our e-mails, on our instructions.
Google Analytics, Only while it is switched on for our public web pages (section 6).
We may also disclose personal data when the law requires it (for example to tax authorities, courts or law enforcement agencies acting under a valid legal process), to protect the rights and safety of our users or ourselves, or to a buyer or successor of our business, who will be bound by this policy.
5. Watermarks and content protection
To discourage sharing of paid content, protected pages on the website show a faint watermark with your name, part of your mobile number and the date, and documents you open show your name, e-mail address and mobile number. If a copy of our content is found outside the service, the watermark tells us which account it came from. The security records in section 1 are used only to protect the content and your account.
6. Cookies
Our website uses only the cookies it needs to work: a session cookie that keeps you signed in, and a security cookie that protects our forms against forgery. They are set when you open the sign-in pages or sign in, and they expire after 24 hours without activity. Your choice of light or dark theme is remembered in your browser's local storage. We do not use advertising cookies.
The mobile app does not use cookies. It keeps your sign-in securely on your phone and stores offline downloads only in encrypted form.
7. Devices
You can be signed in on one mobile device and one web browser at a time (the app shows the current limit). Signing in on another device of the same type signs out the previous one. You can see your signed-in devices and sign them out from your account settings.
8. Where we store it and how we protect it
Your data is stored on the servers of our hosting and storage providers. Some providers may process data outside India; we use only providers that protect it to the standard of this policy, and we follow any restriction the Government of India notifies under the DPDP law.
We protect your data with reasonable security safeguards, including encrypted connections (HTTPS) for all traffic, hashed passwords and OTPs, access to personal data only for the people who need it, logs of access to our systems, regular backups, and encryption of offline downloads on your device. No system is perfectly secure. If a personal data breach affects you, we will tell you without delay what happened, what it may mean for you and what we are doing about it, and we will report it to the Data Protection Board of India as the law requires.
9. How long we keep it
Your account and study data: As long as your account is open.
When you delete your account: You can ask for deletion from your account settings in the app or by writing to us. Deletion takes effect after a grace period of 7 days (write to us within that time if you change your mind). We then remove your name, e-mail address, mobile number and employee number from the account, sign you out everywhere and end your offline download licences. The study records left on the account no longer identify you.
Payment and invoice records: As long as tax and company laws require us to keep them (currently up to eight years), even after your account is deleted.
Security logs and records of sign-ins and devices: At least one year, as the DPDP Rules require, and longer only while they are needed to investigate misuse or for a legal claim.
OTPs: They expire within minutes; the hashed records are kept for a short time to prevent abuse.
Support messages: As long as needed to help you and to keep a record of the help we gave.
Backups: Kept for a short rolling period and then overwritten.
We delete or anonymise personal data once it is no longer needed for the purpose it was collected for, unless the law requires us to keep it.
10. Your rights
Under the DPDP law you have the right to:
Access a summary of the personal data we hold about you, what we do with it and who we have shared it with;
Correct, complete or update it: you can change most of your details yourself in your profile;
Erase it, by deleting your account (section 9);
Withdraw your consent (section 3);
Have your complaints resolved by our Grievance Officer; and
Nominate another person to exercise these rights for you if you die or become unable to do so.
You can also ask for a copy of your data from your account settings in the app; we e-mail it to you when it is ready. To use any of these rights, write to our Grievance Officer from the e-mail address or mobile number of your account, so that we can confirm the request is yours. We answer within the times in section 13.
11. Children
ProBankershub is meant for working bank officers. You must be 18 or older to create an account. We do not knowingly collect personal data of children; if we learn that we have, we delete it.
12. Changes to this policy
We may update this policy when the service or the law changes. The date at the top of this page shows the current version. If a change is significant, we will tell you in the app or by e-mail before it takes effect.
13. Grievance Officer and contact
For a question or complaint about your personal data, contact our Grievance Officer:
- Grievance Officer: appointed by the business; reach the officer through the contact below
- E-mail: studyhubtechnologies@gmail.com
- Address: Fatorda, Madgaon, Goa 403602
We acknowledge every complaint within 24 hours and resolve it within 15 days of receiving it. If you are not satisfied with our answer, you may complain to the Data Protection Board of India.
For anything else, contact us:
- E-mail: studyhubtechnologies@gmail.com
- Hours: 10AM - 07PM
- Address: Studyhub Technologies, Fatorda, Madgaon, Goa 403602