Privacy & Cookie Policy

Privacy & Cookie Policy – ssdhar.com

Website: ssdhar.com | Owner: S S Dhar | Effective Date: 17 May 2026 | Last Updated: 17 May 2026

Summary: This page explains what information ssdhar.com collects from visitors, how it is used, what cookies are placed on your device, which third-party services are used, and what your rights are. We do not sell your personal data. We collect minimal information and only what is necessary to run this website and improve your experience.

1. Who We Are

This Privacy and Cookie Policy applies to the website ssdhar.com (hereinafter referred to as “the Website,” “we,” “us,” or “our”), owned and operated by S. S. Dhar, an individual content creator, published author, and service provider.

ssdhar.com is a personal portfolio and content website that publishes articles on personal finance, wealth mindset, philosophy, spirituality, artificial intelligence tools, health and wellness, and related topics. The Website also promotes and sells books published on Amazon KDP, digital products, online courses, and various services including book review services, guest posting, sponsored content, and personal coaching.

Contact for privacy matters:

S S Dhar
Website: ssdhar.com
Email: [contact@ssdhar.com]
Contact Page: ssdhar.com/contact

2. Scope of This Policy

This Privacy and Cookie Policy applies to all visitors, users, readers, customers, clients, and any person who accesses or interacts with ssdhar.com in any way, including but not limited to:

Reading blog articles and content on the Website
Subscribing to the newsletter or email list
Purchasing books through Amazon links
Purchasing digital products through Gumroad or other platforms
Enrolling in courses offered by S. S. Dhar
Submitting a contact form or service enquiry
Participating in book review services
Engaging in guest posting or sponsored content arrangements
Booking personal coaching sessions
Clicking affiliate links on the Website

This policy complies with applicable privacy laws in the following jurisdictions, as our primary audience is located in these regions:

United States — including the California Consumer Privacy Act (CCPA) and Children’s Online Privacy Protection Act (COPPA)
United Kingdom — UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018
European Union — General Data Protection Regulation (GDPR)
Canada — Personal Information Protection and Electronic Documents Act (PIPEDA)
Australia — Australian Privacy Act 1988 and Australian Privacy Principles (APPs)
India — Information Technology Act 2000 and Digital Personal Data Protection Act 2023 (DPDPA)

3. Information We Collect

3.1 Information You Provide Directly

We collect information you voluntarily provide to us when you interact with the Website, including:

Name and email address — when you subscribe to our newsletter, submit a contact form, or register for a service
Message content — when you send us an enquiry via our contact form or email
Guest post submissions — article content, author name, website URL, and bio provided for guest posting
Book review information — your Amazon reviewer name or profile link when participating in book review services
Coaching enquiries — information you share when booking or enquiring about personal coaching sessions
Sponsored content requests — your name, business name, website, and campaign details submitted via our contact or Google Form

3.2 Information Collected Automatically

When you visit ssdhar.com, certain technical information is collected automatically through standard web technologies:

IP address — your approximate location (country/city level only)
Browser type and version
Device type (desktop, mobile, tablet)
Operating system
Pages visited and time spent on each page
Referring URL — the website or search engine that brought you here
Date and time of visit
Search terms used to find the Website
Click behaviour on links and content

This information is collected primarily through cookies, Google Analytics, and our web hosting server logs. It is used in aggregate and anonymised form to understand how visitors use the Website and to improve content and performance.

3.3 Information from Third-Party Platforms

We may receive limited information from third-party platforms when you interact with our content through them, such as:

Social media platforms where our content is shared
Email service providers when you open or click links in our newsletter emails
Google Search Console data about how visitors found us through search

We do not receive your payment details, card numbers, or banking information from any payment processor. All financial transactions are handled exclusively by the respective third-party payment platforms.

4. How We Use Your Information

We use the information collected for the following purposes:

Purpose	Information Used
To operate and maintain the Website	IP address, browser data, server logs
To analyse website traffic and improve content	Analytics data, pages visited, time on site
To send the newsletter and email updates	Name, email address
To respond to contact form submissions and enquiries	Name, email, message content
To process and fulfil service requests (book reviews, guest posts, sponsored content, coaching)	Name, email, relevant submission details
To display personalised and non-personalised advertisements	Cookie data, approximate location
To comply with legal obligations	Name, email, IP address as required
To detect and prevent fraud, spam, and abuse	IP address, browser data, form submissions
To improve user experience and website performance	Analytics data, device and browser information
To communicate updates about products, books, courses, and services	Email address (newsletter subscribers only)

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects on you.

5. Legal Basis for Processing (GDPR)

For visitors from the United Kingdom and European Union, we process your personal data on the following legal bases under the UK GDPR and EU GDPR:

Consent (Article 6(1)(a)) — When you subscribe to our newsletter, accept cookies via our cookie banner, or explicitly agree to receive marketing communications. You may withdraw consent at any time.
Legitimate Interests (Article 6(1)(f)) — For website analytics, security monitoring, and improving our content and services, where these interests do not override your fundamental rights and freedoms.
Contractual Necessity (Article 6(1)(b)) — When processing your information is necessary to fulfil a service you have requested, such as responding to a guest post submission or coaching enquiry.
Legal Obligation (Article 6(1)(c)) — Where processing is required to comply with applicable laws and regulations.

6. Cookie Policy

6.1 What Are Cookies?

Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work correctly, to improve performance, and to provide information to the website owner. Cookies do not contain executable code and cannot carry viruses or install malware on your device.

6.2 Types of Cookies We Use

ssdhar.com uses the following categories of cookies:

A — Strictly Necessary Cookies

These cookies are essential for the Website to function correctly. They cannot be switched off. They include cookies that remember your cookie consent preferences, maintain security, and enable basic navigation.

Cookie Name	Provider	Purpose	Duration
wordpress_logged_in_*	WordPress	Maintains login session for admin users only	Session
wordpress_test_cookie	WordPress	Checks if cookies are enabled in the browser	Session
wp-settings-*	WordPress	Stores user interface preferences	1 year
cookie_consent	ssdhar.com	Stores your cookie consent preference	1 year
litespeed_cache	LiteSpeed Cache	Enables caching for faster page loading	Session

B — Analytics & Performance Cookies

These cookies help us understand how visitors use the Website by collecting anonymous information. We use this data to improve our content, navigation, and overall user experience. These cookies do not identify you personally.

Cookie Name	Provider	Purpose	Duration
_ga	Google Analytics	Distinguishes unique users by assigning a randomly generated number as a client identifier	2 years
_ga_*	Google Analytics 4	Stores and counts page views for analytics	2 years
_gid	Google Analytics	Distinguishes users — stores information for 24 hours	24 hours
_gat	Google Analytics	Used to throttle request rate — limits data collection on high-traffic sites	1 minute

C — Advertising & Targeting Cookies

These cookies are used to display advertisements that are relevant and engaging for individual users. They may be placed by Google AdSense, and in future by other ad networks such as Mediavine or Raptive, to build a profile of your interests and show relevant ads on other websites.

Cookie Name	Provider	Purpose	Duration
IDE	Google DoubleClick	Used to show Google ads based on your interests across websites	1 year
DSID	Google	Identifies a signed-in user on non-Google sites for ad personalisation	2 weeks
test_cookie	Google DoubleClick	Checks if the user’s browser supports cookies	15 minutes
NID	Google	Used to display personalised Google ads	6 months
_gcl_au	Google AdSense	Measures ad conversion rates and experiments with ad efficiency	3 months

D — Functional Cookies

These cookies allow the Website to remember choices you make and provide enhanced, personalised features such as remembering your preferred language or region settings.

Cookie Name	Provider	Purpose	Duration
CONSENT	Google	Stores user consent state for Google services	2 years
VISITOR_INFO1_LIVE	YouTube (if embedded videos are used)	Estimates user bandwidth on pages with embedded YouTube video	6 months

6.3 Third-Party Cookies

Some cookies on ssdhar.com are placed by third-party services that appear on our pages. We do not control these third-party cookies. Please refer to the respective privacy policies of these third parties for more information:

Google Analytics: policies.google.com/privacy
Google AdSense: policies.google.com/technologies/ads
Amazon Associates: Amazon Privacy Notice
Gumroad: gumroad.com/privacy
PayPal: PayPal Privacy Policy
Stripe: stripe.com/privacy
Razorpay: razorpay.com/privacy

6.4 How to Control Cookies

You can control and manage cookies in several ways:

Via our cookie consent banner: When you first visit ssdhar.com, a cookie consent banner will appear. You can choose to accept all cookies, reject non-essential cookies, or manage your preferences. You can change your choices at any time by clearing your browser cookies and revisiting the Website.

Via your browser settings: Most browsers allow you to refuse cookies or delete existing cookies through their settings. Please note that disabling cookies may affect the functionality of some parts of the Website. Browser-specific instructions:

Google Chrome: Settings → Privacy and Security → Cookies and other site data
Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data
Safari: Preferences → Privacy → Manage Website Data
Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data

Via Google’s opt-out tools: You can opt out of Google’s use of cookies for ad personalisation by visiting adssettings.google.com. You can also opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on.

Via industry opt-out tools:

7. Analytics & Website Tracking

We use Google Analytics (Universal Analytics and/or Google Analytics 4) to understand how visitors find and use ssdhar.com. Google Analytics collects data such as page views, session duration, geographic location (country/city level), device type, and traffic sources.

All data collected by Google Analytics is anonymised before it reaches us. We do not have access to personally identifiable information through Google Analytics. We have enabled IP anonymisation, which means the last portion of your IP address is masked before being stored.

We may also use Google Search Console to monitor how our pages appear in Google search results. This does not involve collecting personal data about individual visitors.

In future, we may use additional analytics tools such as Jetpack Stats or similar lightweight alternatives. This policy will be updated accordingly.

8. Advertising & Third-Party Ads

ssdhar.com currently uses or plans to use the following advertising services:

8.1 Google AdSense

We display advertisements served by Google AdSense, a service provided by Google LLC. Google AdSense uses cookies, including the DoubleClick cookie, to serve ads based on your prior visits to this site and other websites on the internet. You may opt out of personalised advertising by visiting Google’s Ad Settings.

Google AdSense’s use of advertising cookies enables it and its partners to serve ads to you based on your visit to ssdhar.com and/or other sites on the Internet. Google’s use of advertising cookies is governed by its Privacy Policy.

8.2 Other Ad Networks (Future)

We may in the future join premium ad networks such as Mediavine, Raptive (formerly AdThrive), or Ezoic. When and if we do, this policy will be updated with the specific cookies and data practices of those networks. All such networks operate under their own privacy policies and industry standards for data collection and advertising.

8.3 Personalised vs. Non-Personalised Ads

Where required by law — particularly for visitors from the European Economic Area, United Kingdom, and California — we will request your consent before serving personalised advertisements. If you decline, non-personalised ads may still be displayed, which do not use cookies for ad targeting.

8.4 Sponsored Content

Some articles or posts on ssdhar.com may be sponsored by third-party brands or advertisers. All sponsored content is clearly labelled as “Sponsored,” “Paid Partnership,” or similar designation. Sponsored content represents the advertiser’s promotion and may not always reflect the personal views of S. S. Dhar. Any personal data submitted through sponsored content contact forms is used only to fulfil that specific enquiry.

9. Affiliate Links & Third-Party Products

ssdhar.com participates in affiliate marketing programmes. This means that some links on this Website are affiliate links — if you click on such a link and make a purchase, we may receive a small commission at no additional cost to you.

Affiliate programmes we participate in include but are not limited to:

Amazon Associates Program — We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising programme designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com and its international variants (Amazon.co.uk, Amazon.ca, Amazon.com.au, Amazon.in, etc.)
Other affiliate programmes — We may promote products and services from other companies through affiliate arrangements. These will be from reputable providers relevant to our content topics.

When you click an affiliate link, you are directed to the third-party website. That website may place its own cookies on your device and collect data in accordance with its own privacy policy. We are not responsible for the data practices of third-party websites.

All affiliate relationships are disclosed in accordance with FTC (USA) guidelines, ASA (UK) standards, ACCC (Australia) requirements, and equivalent regulations in other jurisdictions. A full affiliate disclosure is available on our Affiliate Disclosure page at ssdhar.com/affiliate-disclosure.

10. Email Marketing & Newsletter

ssdhar.com offers a free newsletter where subscribers receive regular content including articles, book recommendations, product updates, and exclusive insights from S. S. Dhar.

10.1 Subscription

When you subscribe to our newsletter, we collect your name (optional) and email address. This information is stored and managed through our email service provider (such as Mailchimp, ConvertKit, or similar). By subscribing, you give us explicit consent to send you email communications.

10.2 How We Use Your Email

Your email address is used solely for the following purposes:

Sending regular newsletters and content updates
Notifying you of new books, digital products, courses, or services
Sending occasional promotional offers relevant to our content
Responding to enquiries you submit via contact forms

We do not sell, rent, or trade your email address to any third party under any circumstances.

10.3 Email Tracking

Our email service provider may use tracking pixels or similar technologies to record when an email is opened and which links are clicked. This helps us understand what content is most valuable to our subscribers. If you wish to prevent this, you can disable automatic image loading in your email client settings.

10.4 Unsubscribing

You may unsubscribe from our newsletter at any time by clicking the “Unsubscribe” link at the bottom of any email we send, or by contacting us directly at [your email address]. Once unsubscribed, your email address will be removed from our active mailing list promptly. We may retain your email address in a suppression list to ensure we do not contact you again in error.

10.5 Email Service Provider

We use a third-party email service provider to manage our mailing list and send emails. This provider processes your email address on our behalf and is bound by a data processing agreement with us. They are prohibited from using your data for any purpose other than sending emails on our instructions. Please refer to our email provider’s privacy policy for further details — this will be specified once our email platform is confirmed.

11. Payments & Third-Party Processors

ssdhar.com does not directly collect, process, or store any payment information of any kind. We do not handle credit card numbers, bank account details, or any financial data on this Website.

All transactions are processed exclusively through the following third-party platforms, each of which operates its own secure payment infrastructure under its own terms and privacy policy:

Platform	Used For	Privacy Policy
Amazon	Physical and Kindle book purchases	Amazon Privacy Notice
Gumroad	Digital products (ebooks, templates, prompt packs, guides)	Gumroad Privacy Policy
Razorpay	Services and course payments (India and select regions)	Razorpay Privacy Policy
PayPal	Services, courses, and coaching payments	PayPal Privacy Policy
Stripe	Services, courses, and coaching payments	Stripe Privacy Policy
Payhip (if used)	Digital products as an alternative to Gumroad	Payhip Privacy Policy

When you click a “Buy” or payment button on ssdhar.com, you are redirected to the relevant third-party platform. Any personal and payment data you provide on those platforms is governed entirely by their own privacy policies and security standards. We strongly encourage you to review the privacy policy of the relevant payment platform before completing any transaction.

We receive only the information necessary to confirm that a purchase was made (such as your name and email for digital delivery), and only where the payment platform shares this with us as part of the transaction process.

12. Books & Amazon KDP

S. S. Dhar is a published author on the Amazon Kindle Direct Publishing (KDP) platform. Books are available in paperback and Kindle formats across multiple Amazon marketplaces including the USA, UK, Canada, Australia, and India.

When you purchase a book through an Amazon link on ssdhar.com:

You are redirected to the Amazon website to complete your purchase
Amazon processes all payment and delivery logistics
Your purchase data is governed by Amazon’s Privacy Notice and Terms of Service
If the link is an Amazon Associates affiliate link, we may receive a commission from Amazon
We do not have access to your payment information, delivery address, or Amazon account details

For all book returns, refunds, or delivery issues, please contact Amazon customer support directly through your Amazon account.

13. Digital Products

ssdhar.com sells digital products including AI prompt packs, book writing templates, downloadable guides, ebooks, and other digital content. These are delivered through platforms such as Gumroad or Payhip.

When you purchase a digital product:

You are directed to our Gumroad (or equivalent) store page to complete payment
Your email address is collected by Gumroad for delivery of your purchase
Gumroad may share your email address with us so we can follow up if needed
Your email will not be added to our newsletter list without your separate consent
All payment data is processed and secured by Gumroad or the respective platform

Digital products are delivered instantly upon confirmed payment. Due to the immediate digital delivery nature, refund eligibility is subject to our Refund Policy available at ssdhar.com/terms-and-conditions.

14. Services (Book Reviews, Guest Posting, Sponsored Content)

ssdhar.com offers several services. When you enquire about or use any of these services, you provide us with personal information we use to fulfil your request.

14.1 Book Review Service

When participating in our book review service (beta reading), we collect your name, email address, book reviewer profile link, and any communication related to the review arrangement. This information is used solely to coordinate the review service and is not shared with third parties beyond what is necessary to fulfil the arrangement (for example, providing access to a digital copy of the book via the relevant platform). Before taking participation of beta reading of a book, the quality of the book and the honesty must be ensured.

Please note: All book reviews must comply with the terms and conditions of the respective marketplace. We do not knowingly facilitate any review practice that violates Amazon’s Community Guidelines.

14.2 Guest Posting

When submitting a guest post, we collect your name, email address, website URL, author bio, and article content. This information is used to evaluate, edit, publish, and attribute your article on ssdhar.com. Your author name and bio will be publicly displayed on the Website as part of the published post. Your email address will not be displayed publicly.

14.3 Sponsored Content

When enquiring about sponsored content or advertising arrangements, we collect your name, business name, email address, website URL, and campaign details provided via our contact form or Google Form. This information is used only to discuss and execute the sponsored content arrangement and is not shared with other advertisers or third parties.

14.4 Backlink Services

When enquiring about paid backlinks or link insertion arrangements, we collect your name, email address, and target URL. This information is used only to complete the service transaction.

15. Courses & Educational Products

S. S. Dhar may offer online courses, video courses, or educational programmes as products. When you enrol in a course:

Your name and email address are collected to set up your course access
Payment is processed through Razorpay, PayPal, Stripe, or another third-party platform
Course progress data may be stored by the course platform (such as Teachable, Thinkific, Kajabi, or a similar platform) — this will be disclosed at the time of enrolment
Your data will not be used for purposes beyond delivering and improving the course experience without your explicit consent

This policy will be updated when specific course platforms are confirmed.

16. Personal Coaching Services

S. S. Dhar offers personal coaching services on topics including writing, publishing, content strategy, personal finance principles, and related areas. When you book or enquire about coaching:

We collect your name, email address, and details you share in your enquiry or intake form
Session scheduling may involve third-party tools such as Calendly or Google Calendar, which have their own privacy policies
Video or call sessions may be conducted via Zoom, Google Meet, or similar platforms — these platforms have their own data practices
Any notes or materials shared during coaching sessions are kept strictly confidential
We do not record coaching sessions without your explicit prior consent
Payment for coaching sessions is processed through Razorpay, PayPal, Stripe, or a mutually agreed platform

ssdhar.com may contain links to external websites, social media platforms, and third-party services. These include but are not limited to Amazon, Gumroad, Twitter/X, Facebook, Instagram, LinkedIn, Pinterest, YouTube, and other platforms.

When you click a link to an external website, you leave ssdhar.com and are subject to that website’s own privacy policy and terms of service. We are not responsible for the content, privacy practices, or data collection of any third-party website, regardless of whether we link to it.

If social media sharing buttons or embedded social media content appear on our Website, those platforms may collect data about your visit even if you do not click on them. Please refer to the respective social media platform’s privacy policy for details.

We do not sell, rent, trade, or lease your personal information to any third party for marketing or commercial purposes under any circumstances.

We may share your information only in the following limited circumstances:

Service providers: We share data with trusted third-party service providers who assist in operating the Website and delivering services — such as our email marketing platform, web hosting provider (Hostinger), and analytics provider (Google). These parties are bound by contractual obligations to keep your information confidential and use it only to perform services on our behalf.
Legal requirements: We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe in good faith that such disclosure is necessary to protect our legal rights, your safety, or the safety of others.
Business transfer: In the unlikely event that ssdhar.com is sold, transferred, or merged, your information may be transferred as part of that transaction. You will be notified via email or a prominent notice on the Website before your information becomes subject to a different privacy policy.
With your consent: We may share your information for any other purpose with your explicit prior consent.

19. International Data Transfers

ssdhar.com is operated from India and serves visitors primarily in the USA, UK, Canada, Australia, and India. When you visit our Website, your data may be transferred to and processed in countries outside your own, including India and the United States where our hosting provider (Hostinger) and key service providers (Google, Gumroad) maintain servers.

For visitors from the UK and EEA, where your data is transferred outside the UK or EEA, we ensure that appropriate safeguards are in place, such as using services that are certified under EU Standard Contractual Clauses (SCCs) or equivalent mechanisms recognised under UK law.

For visitors from Australia, transfers are made in accordance with the Australian Privacy Principles and only to countries or entities with comparable data protection standards.

20. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law:

Data Type	Retention Period
Newsletter subscriber email addresses	12 months from the date of submission
Contact form submissions	24 months from the last session, unless extended by agreement
Service enquiry correspondence	24 months from completion of the service
Coaching session notes	24 months from last session, unless extended by agreement
Google Analytics data	14 months (as configured in Google Analytics settings)
Server log files (IP address, access logs)	30 days, managed by Hostinger
Cookie consent records	12 months

When data is no longer needed, it is securely deleted or anonymised.

21. Data Security

We take the security of your personal information seriously and implement appropriate technical and organisational measures to protect it against unauthorised access, loss, misuse, alteration, or destruction. These measures include:

SSL/TLS encryption — ssdhar.com uses HTTPS encryption across all pages to protect data in transit between your browser and our server
Secure hosting — The Website is hosted on Hostinger, which provides server-level security including firewalls and DDoS protection
LiteSpeed Cache security features — Our caching plugin includes security headers and bot protection
WordPress security best practices — Including strong admin passwords, limited login attempts, and keeping all plugins and themes updated
No payment data storage — We never store payment card or banking information — all payment processing is handled by PCI DSS-compliant third-party platforms
Limited data access — Only S. S. Dhar and necessary service providers have access to personal data, and only to the extent required to fulfil their function

Despite these measures, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at [your email address].

22. Children’s Privacy (COPPA)

ssdhar.com is intended for adults aged 18 years and older. While we do publish and sell children’s coloring books, tracing books, maths activity books, and educational books for children on Amazon KDP, these products are purchased by parents, guardians, or adult educators on behalf of children — they are not sold directly to or through interactions with children on this Website.

We do not knowingly collect, solicit, or process personal information from children under the age of 13 (or under 16 in the UK and EEA). If we become aware that we have inadvertently received personal information from a child under the applicable age of consent, we will delete such information immediately from our records.

If you are a parent or guardian and believe that your child has provided us with personal information without your consent, please contact us immediately at contact@ssdhar.com so we can take appropriate action.

This policy is compliant with the Children’s Online Privacy Protection Act (COPPA) in the United States, and equivalent regulations in the UK, EU, Canada, and Australia.

23. Your Rights by Region

23.1 Your Rights Under GDPR (UK & EU Visitors)

If you are located in the United Kingdom or the European Economic Area, you have the following rights regarding your personal data:

Right of Access — You have the right to request a copy of the personal data we hold about you.
Right to Rectification — You have the right to request correction of inaccurate or incomplete data.
Right to Erasure (“Right to be Forgotten”) — You may request that we delete your personal data, subject to certain legal exceptions.
Right to Restrict Processing — You may request that we limit how we use your data in certain circumstances.
Right to Data Portability — You have the right to receive your personal data in a structured, machine-readable format and transfer it to another controller.
Right to Object — You have the right to object to processing based on legitimate interests, including for direct marketing purposes.
Right to Withdraw Consent — Where processing is based on your consent, you may withdraw consent at any time without affecting the lawfulness of processing prior to withdrawal.
Right to Lodge a Complaint — You have the right to lodge a complaint with your national data protection supervisory authority. In the UK, this is the Information Commissioner’s Office (ICO) at ico.org.uk. In the EU, contact your national Data Protection Authority.

23.2 Your Rights Under CCPA (California Visitors)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know — You have the right to know what personal information we collect, use, disclose, and sell about you.
Right to Delete — You have the right to request deletion of personal information we have collected about you, subject to certain exceptions.
Right to Opt Out of Sale — We do not sell personal information. However, you have the right to direct us not to sell or share your personal information. See Section 24 for details.
Right to Non-Discrimination — We will not discriminate against you for exercising your privacy rights.
Right to Correct — You have the right to request correction of inaccurate personal information.
Right to Limit Use of Sensitive Personal Information — We do not collect sensitive personal information as defined by the CPRA.

23.3 Your Rights Under PIPEDA (Canadian Visitors)

If you are a Canadian resident, you have the right to access your personal information, request corrections, withdraw consent, and lodge a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca.

23.4 Your Rights Under the Australian Privacy Act

If you are an Australian resident, you have the right to access and correct your personal information held by us, and to make a complaint to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au if you believe we have mishandled your personal information.

23.5 Your Rights Under India’s DPDPA

If you are an Indian resident, you have the right to access information about your personal data being processed, to correct inaccurate data, to erase data no longer necessary for the purpose it was collected, and to nominate another person to exercise rights on your behalf in certain circumstances. You may also file a complaint with the Data Protection Board of India once it is established and operational.

23.6 How to Exercise Your Rights

To exercise any of the rights above, please contact us at:

Email: contact@ssdhar.com
Contact Page: ssdhar.com/contact

We will respond to all verifiable requests within 30 days. We may need to verify your identity before processing your request. There is no charge for making a request unless it is manifestly unfounded or excessive, in which case we reserve the right to charge a reasonable administrative fee or refuse the request.

24. Do Not Sell My Personal Information (CCPA)

We do not sell your personal information. We never have and never will sell, rent, or trade your personal information to third parties for monetary or other valuable consideration.

While we use third-party services such as Google Analytics and Google AdSense that may use cookies and collect data about your browsing behaviour for advertising purposes, this sharing is carried out under the terms of those services and is not considered a “sale” under the CCPA in most interpretations. You can opt out of Google’s use of your data for ad personalisation at any time by visiting adssettings.google.com.

California residents who wish to exercise their CCPA rights may contact us at [your email address] with the subject line “CCPA Privacy Request.”

25. Changes to This Policy

We reserve the right to update or modify this Privacy and Cookie Policy at any time to reflect changes in our business practices, legal requirements, or Website functionality. When we make changes, we will:

Update the “Last Updated” date at the top of this page
Post a notice on the homepage or in our newsletter if the changes are significant
Where required by law, notify affected users directly by email

Your continued use of ssdhar.com after any changes to this policy constitutes your acceptance of the updated terms. We encourage you to review this page periodically to stay informed about how we protect your information.

Material changes — such as new data collection practices, new third-party processors, or changes to how we use your information — will be communicated with a minimum of 14 days advance notice before taking effect.

26. Contact Us

If you have any questions, concerns, or requests regarding this Privacy and Cookie Policy or the way we handle your personal information, please contact us through any of the following methods:

S. S. Dhar — Privacy Contact

Website:ssdhar.com
Contact Page:ssdhar.com/contact
Email: contact@ssdhar.com

We aim to respond to all privacy-related enquiries within 5 business days and to resolve all requests within 30 days of receipt.

If you are not satisfied with our response to your privacy concern, it’s your right to escalate your complaint, and you are requested to contact us as soon as possible. We will review your concern and update our privacy policy if necessary regarding the relevant data protection authority in your jurisdiction, as described in Section 23 of this policy.