Privacy Policy

1. Introduction

Maharashtra Sports Climbing Association (MSCA) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile application, register for programs or memberships, make payments or donations, or use our services.

By accessing or using our website, mobile application, or services, you consent to the data practices described in this Privacy Policy. If you do not agree with this policy, please do not use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, postal address
• Membership Information: Membership type, validity period, registration status, and related details
• Payment Information: Transaction details such as payment amount, transaction ID, date, and payment status
• Note: All payments are processed securely through third-party payment gateways (such as Razorpay). MSCA does not store your card, UPI, wallet, or bank account details.
• MSCA may retain limited transaction records for accounting, reconciliation, dispute resolution, refunds (if applicable), and regulatory compliance purposes.
• Registration Information: Age, emergency contact details, skill level, and information required for program or competition participation
• Health & Safety Information: Limited medical information provided voluntarily for safety during training, events, or competitions
• Communication Records: Emails, messages, support queries, or form submissions

2.2 Automatically Collected Information

When you visit our website or use our app, we may automatically collect:

• IP address, browser type, device type, operating system
• Pages/screens visited, time spent, referral sources
• Basic analytics and usage statistics for performance and security monitoring

2.3 Information from Third Parties

We may receive limited information from third-party service providers such as:

• Payment gateways (e.g., payment confirmation or failure status)
• Analytics or hosting providers

This information is used only for service delivery, compliance, and operational purposes.

3. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: Program registration, competition participation, and membership management
• Payment Processing: Processing membership fees, program fees, and donations via secure payment gateways
• Communication: Sending confirmations, receipts, updates, policy notices, and responding to inquiries
• Safety & Security: Ensuring participant safety, fraud prevention, and system security
• Legal & Regulatory Compliance: Meeting applicable Indian laws and regulatory requirements
• Accounting & Compliance: Maintaining financial records, transaction reconciliation, refunds (if applicable), and audit requirements
• Website & App Improvement: Monitoring usage to improve functionality and user experience
• Updates & Announcements: Informing you about MSCA programs, events, or policy updates (you may opt out at any time)

4. Information Sharing and Disclosure

4.1 Service Providers

We may share necessary information with trusted third-party service providers who assist us with:

• Payment processing
• Website and app hosting
• Communication and email services
• Analytics and performance monitoring

All such providers are required to protect your information and use it only for authorized purposes.

4.2 Legal Obligations

We may disclose information if required by law or if necessary to:

• Comply with legal processes or regulatory authorities
• Protect the rights, safety, or property of MSCA, its members, or others
• Prevent fraud, misuse, or security incidents
• Enforce our Terms & Conditions

4.3 With Consent

We may share information with third parties where you have provided explicit consent.

4.4 Payment Gateway Processing

All online payments for memberships, programs, and donations are processed through third-party payment gateways such as Razorpay. MSCA does not control or store sensitive payment instrument data and such data is governed by the privacy policies of the respective payment gateway providers.

5. Data Security

We implement reasonable technical and organizational measures to safeguard your personal information, including:

• Secure payment processing through PCI-DSS compliant gateways
• Restricted access to personal data
• Regular system monitoring and security updates

While we strive to protect your data, no internet-based system can be guaranteed to be completely secure.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Ensure website and app functionality
• Analyze traffic and usage patterns
• Improve user experience

You may manage or disable cookies through your browser settings. Disabling cookies may affect certain features.

7. Your Rights

Subject to applicable Indian laws, you may:

• Request access to your personal information
• Request correction of inaccurate data
• Request deletion of data (subject to legal and operational requirements)
• Withdraw consent where processing is based on consent
• Opt out of non-essential communications

Requests can be submitted using the contact details below.

8. Data Retention

We retain personal information only for as long as necessary to:

• Manage memberships, programs, payments, and donations
• Comply with legal and regulatory obligations
• Maintain operational, safety, and financial records

Data is securely deleted or anonymized when no longer required.

9. Children's Privacy

MSCA programs may involve minors. Participation by individuals under 18 years of age requires parental or guardian consent. Parents or guardians may contact us to request access, correction, or deletion of a minor's information.

10. International Data Transfers

Some service providers may store or process data outside India. Where applicable, we ensure reasonable safeguards are in place to protect your information in accordance with applicable laws.

11. Changes to This Privacy Policy

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

Continued use of our website, app, or services after changes are posted constitutes acceptance of the revised policy.

This Privacy Policy should be read in conjunction with our Terms & Conditions and Refund & Cancellation Policy available on our website.

12. Contact Information

For questions or requests regarding this Privacy Policy, please contact: