Privacy Policy

Effective Date: September 29, 2026

OHO Wealth Studio (“OHO”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit or use https://ohowealthstudio.com and related services, resources, tools, forms, calculators, assessments, newsletters, and other features made available through the website (collectively, the “Services”).

By using our website, you acknowledge that you have read and understood this Privacy Policy.

1. Information We May Collect

Depending on how you use our website, we may collect information such as:

Information you provide directly

This may include:

Name
Email address
Phone number
City or location
Information submitted through contact forms
Information submitted through financial assessments, calculators, questionnaires, or other tools
Messages, enquiries, or feedback you send to us
Information you provide when subscribing to newsletters or other communications

Please do not provide passwords, bank account passwords, PINs, OTPs, card PINs, or other highly sensitive authentication information through ordinary website forms.

Information collected automatically

When you visit our website, certain technical information may be collected automatically, depending on the technologies and services enabled on the website.

This may include:

IP address
Browser type and version
Device type
Operating system
Approximate location derived from technical information
Pages visited
Time spent on pages
Referring website or page
Date and time of visits
General website usage and interaction information

This information may be collected through server logs, cookies, analytics tools, or similar technologies.

2. How We Use Information

We may use information collected through the website to:

respond to enquiries and requests;
provide information or services requested by you;
operate, maintain, and improve the website;
understand how visitors use our website;
improve our educational content, tools, calculators, and assessments;
communicate with you about relevant services or updates where permitted;
send newsletters or other communications where you have requested or permitted them;
protect the security and integrity of our website;
detect, investigate, and prevent misuse, fraud, or security incidents;
comply with applicable legal, regulatory, and contractual requirements; and
establish, exercise, or defend legal rights where necessary.

We do not use information submitted through a financial assessment or calculator to represent that a particular financial outcome is guaranteed.

3. Financial Information and Assessments

Some OHO tools, assessments, calculators, or forms may ask for information relating to income, expenses, savings, investments, liabilities, goals, insurance, retirement, or other financial circumstances.

Such information is used for the purpose explained at the point of collection and may be used to generate calculations, assessments, educational insights, or responses.

You should provide only information that you are comfortable sharing for the stated purpose.

Unless specifically stated otherwise, results generated by our tools are intended for educational or informational purposes and should not be treated as a guarantee, certification, financial rating, or prediction of future financial outcomes.

4. Cookies and Similar Technologies

Our website may use cookies and similar technologies.

Cookies are small data files that may be stored on your device when you visit a website. They can help a website remember preferences, understand usage, improve functionality, and provide relevant experiences.

Cookies may be used for purposes such as:

essential website functionality;
remembering preferences;
understanding website traffic and usage;
measuring content performance;
improving website functionality; and
supporting relevant communications or services.

Third-party services used on the website may also place cookies or similar technologies in accordance with their own policies.

You can generally control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of some parts of the website.

5. Analytics

We may use website analytics and measurement services to understand how visitors interact with the website.

These services may collect information such as pages viewed, traffic sources, device information, approximate location, and general interaction patterns.

Analytics information is primarily used to understand website performance and improve the user experience.

Where third-party analytics services are used, their processing of information may also be governed by their respective privacy policies.

6. Communications

If you voluntarily provide your contact details, we may contact you in connection with:

your enquiry;
a service or resource you requested;
an assessment or tool you used;
information you subscribed to receive;
updates relating to our Services; or
other communications permitted by applicable law.

You may unsubscribe from promotional or newsletter communications by using the unsubscribe mechanism provided in the communication or by contacting us.

Transactional or service-related communications may continue where necessary.

7. Third-Party Services and Links

Our website may use or link to third-party services, including payment providers, scheduling platforms, communication platforms, analytics providers, social-media platforms, financial institutions, regulatory websites, or other external websites.

Examples may include links or integrations involving services such as WhatsApp, Google, LinkedIn, YouTube, Calendly, payment providers, or other platforms.

When you interact with a third-party service, that service may collect and process information according to its own privacy policy and terms.

OHO Wealth Studio does not control the privacy practices of third-party websites or services and is not responsible for their policies or practices.

8. Payments and Reader Revenue

Where the website provides access to paid content, subscriptions, contributions, memberships, or other Reader Revenue features, payment or transaction information may be processed by the relevant payment or platform provider.

We may receive limited information necessary to identify or manage the relevant transaction, subscription, or account.

We do not intend to collect or store complete payment-card numbers, CVV numbers, or payment authentication credentials on our website unless expressly stated and supported by an appropriate secure payment system.

Payment providers may process your information under their own privacy policies and terms.

9. Sharing of Information

We do not sell your personal information as a standalone commercial product.

We may share information where reasonably necessary with:

website hosting and technology providers;
analytics and website-performance providers;
communication and email providers;
scheduling or appointment platforms;
payment and transaction providers;
professional service providers;
technology and security providers;
regulators, government authorities, courts, or law-enforcement agencies where legally required; or
other service providers acting on our behalf and subject to appropriate obligations.

We may also disclose information where necessary to protect our legal rights, users, website, property, or security.

10. Data Security

We take reasonable technical and organisational measures to protect information against unauthorised access, misuse, alteration, disclosure, or destruction.

However, no website, online service, electronic transmission, or storage system can be guaranteed to be completely secure.

Accordingly, you should avoid submitting highly sensitive information through ordinary website forms or unsecured communications.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing services, maintaining business records, complying with legal or regulatory obligations, resolving disputes, and enforcing agreements.

The appropriate retention period may vary depending on the type of information and the purpose for which it was collected.

When information is no longer required, it may be deleted, anonymised, or securely disposed of, subject to applicable legal and regulatory requirements.

12. Your Rights

Subject to applicable law, you may have rights relating to your personal information, which may include the right to:

request access to certain personal information;
request correction of inaccurate information;
request deletion of information where legally applicable;
withdraw consent where processing is based on consent;
object to or restrict certain processing where applicable; and
raise a privacy-related complaint or grievance.

The availability of particular rights may depend on applicable law and the nature of the information and processing involved.

13. Children’s Privacy

Our website is intended primarily for adults and financial education for working professionals.

We do not knowingly seek to collect personal information from children through the website.

If you believe that a child has provided personal information to us without appropriate consent, please contact us so that we can review and take appropriate action.

14. International Data Processing

Some third-party technology, hosting, analytics, communication, payment, or other service providers may process information on servers located outside India.

Where personal information is transferred or processed outside India, such processing will be subject to applicable laws and the relevant service provider’s terms and privacy practices.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, services, technology, legal requirements, regulatory requirements, or privacy practices.

The updated version will be published on this page with a revised effective date.

You should periodically review this page for changes.

16. Contact and Privacy Grievances

If you have a question, request, or concern regarding this Privacy Policy or the handling of your personal information, please contact:

OHO Wealth Studio
Ludhiana, Punjab, India
Website: https://ohowealthstudio.com

Last Updated: September 29, 2026