Legal Info Visit Instchat

Privacy Policy

Last updated: November 11, 2025

1. Introduction and Legal Basis

Prakash Enterprises operating as Instchat ("we", "us") allows users to pay to chat with creators. We process personal data based on contract fulfilment (to provide the service), legal obligation (tax and fraud prevention), and legitimate interests (platform security).

2. Information We Collect

  • Identity Data: Phone number, username, profile identifiers.
  • Financial Data: Transaction history, wallet balances (Payment card details are handled by secure PCI-DSS compliant gateways and not stored by us).
  • Technical Data: IP address, device type, browser version, usage logs.
  • Communication Data: Messages and media content exchanged on the platform.

3. How We Use Information

We use your data to:

  • Authenticate users and facilitate paid messaging.
  • Prevent fraud, money laundering, and security breaches.
  • Comply with tax authorities (GST) and legal requests.
  • Improve platform performance and customer support.

4. Data Sharing and Transfers

We do not sell your data. We may share information with:

  • Service Providers: Cloud hosting (e.g., AWS/Google Cloud), OTP services, and analytics providers.
  • Payment Processors: To facilitate secure transactions.
  • Legal Authorities: When required by Indian law or court order.

International Transfers: Although we are based in India, some service providers may process data globally. We ensure all providers adhere to strict data protection standards.

5. Data Retention

We retain your personal data only as long as necessary:

  • Account Data: Retained while your account is active.
  • Transaction Data: Retained for 7 years as required by Indian tax laws.
  • Communication Logs: Retained for a limited period for security and compliance monitoring.

6. Data Security

We use industry-standard encryption (TLS/SSL) and access controls to protect your data. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

7. Your Rights

Under applicable laws, you may have the right to access, correct, delete, or export your personal data. To exercise these rights, check your account settings or contact our Data Protection Officer.

8. Contact Us

For privacy concerns, data deletion requests, or questions, please contact our support team at admin@inst.chat.