Last Updated: April 15, 2026
ExplainCharges.com is an independent informational website operated from India. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit or interact with our Site (https://explaincharges.com and all associated pages).
We are committed to protecting your privacy and process personal data in accordance with:
- The Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000 (India), and
- The EU General Data Protection Regulation (GDPR) 2016/679 for users in the European Economic Area (EEA), United Kingdom, and Switzerland, to the extent applicable.
By using the Site, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.
Data Controller
ExplainCharges.com is the data controller responsible for your personal data.
Contact details for privacy matters:
Email: contact@explaincharges.com (Subject line: “Privacy / GDPR Request”)
We do not have an EU representative because our processing activities are limited and we do not have an establishment in the EEA. You may contact us directly using the email above.
Information We Collect
We collect only the minimum data necessary.
a. Information You Provide Voluntarily
When you email us for technical support:
- Name
- Email address
- Description of the technical issue
We strictly instruct users never to send sensitive financial or special category data (card numbers, CVV, PINs, passwords, OTPs, bank details, health data, etc.).
b. Information Collected Automatically
- IP address
- Browser type and version
- Device type and operating system
- Pages visited, time spent, and interaction data
- Referral source
- Date and time of visit
This is collected via server logs and cookies/analytics tools (e.g., Google Analytics).
c. Information We Do NOT Collect
We do not collect or store financial/transaction data, require accounts, or knowingly collect data from children under 18.
Legal Basis for Processing (GDPR)
We process personal data only when we have a valid legal basis under Article 6 of the GDPR:
| Processing Activity | Legal Basis |
|---|---|
| Responding to technical support emails | Legitimate interests (or consent where required) |
| Site analytics and performance improvement | Legitimate interests |
| Security, fraud prevention, and abuse detection | Legitimate interests |
| Compliance with legal obligations | Legal obligation |
| Non-essential cookies / tracking | Consent (you can withdraw at any time) |
You have the right to object to processing based on legitimate interests at any time.
How We Use Your Information
- To respond to your technical support requests (within 24–48 hours).
- To analyse and improve Site performance and user experience.
- To maintain Site security and prevent abuse.
- To comply with legal and regulatory obligations.
We do not use your data for marketing, advertising, profiling, or automated decision-making.
Cookies and Tracking Technologies (GDPR-Compliant)
We use:
- Essential cookies (strictly necessary for the Site to function) — no consent required.
- Analytics cookies (e.g., Google Analytics) — only with your consent.
You can manage or withdraw consent for non-essential cookies at any time through your browser settings or our cookie banner. Disabling cookies may limit functionality.
How We Share Your Information
We do not sell, rent, or trade personal data.
Sharing occurs only in these cases:
- With trusted processors (hosting provider, analytics providers) bound by data processing agreements (DPAs) that meet GDPR standards.
- When required by law or court order.
- To protect the rights and safety of ExplainCharges.com or our users.
We do not share data with any banks, merchants, or companies mentioned on the Site.
International Data Transfers (GDPR)
Our servers are located in India. India does not have an EU adequacy decision. Where we transfer personal data from the EEA to India, we ensure appropriate safeguards are in place, including:
- Standard Contractual Clauses (SCCs) approved by the European Commission, or
- Other GDPR-compliant transfer mechanisms.
You may request a copy of the safeguards by emailing us at contact@explaincharges.com.
Data Retention
- Support emails: up to 90 days after resolution (or longer if required by law).
- Analytics and log data: up to 12 months in anonymised or aggregated form.
We securely delete or anonymise data once it is no longer needed.
Data Security
We use reasonable technical and organisational measures (encryption in transit, secure servers, access controls) to protect your data. However, no system is 100% secure. You use the Site at your own risk.
Your Rights (GDPR + Indian Law)
You have the following rights (subject to applicable law):
Under GDPR (EEA users):
- Right to access your personal data
- Right to rectification
- Right to erasure (“right to be forgotten”)
- Right to restriction of processing
- Right to data portability
- Right to object to processing
- Right to withdraw consent at any time (where consent is the basis)
- Right to lodge a complaint with your local data protection authority (e.g., in your EU member state)
Under Indian DPDP Act:
- Right to access, correction, and erasure
- Right to withdraw consent
- Right to grievance redressal
To exercise any rights, email contact@explaincharges.com with the subject “Privacy / GDPR Request”. We will respond within 30 days (or as required by law). We may request identity verification.
You also have the right to lodge a complaint with:
- The Data Protection Officer / Grievance Officer at the email above, or
- Your national supervisory authority (for GDPR) or the Indian Data Protection Board.
Children’s Privacy
The Site is not directed at children under 18. We do not knowingly collect data from children. If we discover such data, we will delete it immediately.
Changes to This Privacy Policy
We may update this Policy. The “Last Updated” date will change. Continued use after changes means you accept the revised Policy.
Governing Law and Jurisdiction
This Privacy Policy is governed by the laws of India. For GDPR-related matters involving EEA users, we also adhere to GDPR requirements. Disputes shall be subject to the exclusive jurisdiction of the courts in Muzaffarnagar, Uttar Pradesh, India (without prejudice to your rights under GDPR to complain to your local authority).
Contact Us
For privacy or GDPR-related questions: contact@explaincharges.com (Subject: “Privacy / GDPR Request”)
We cannot answer financial, billing, or transaction questions — please contact your bank or service provider directly.
Thank you for trusting ExplainCharges.com.
We are committed to transparency and full compliance with both Indian data protection laws and the GDPR.