Creator Privacy Policy

PRIVACY POLICYFanChat Creators – Mobile Application Operated by: ChatsPub Ventures (OPC) Private Limited Effective Date: 31 October 2026 Website: https://www.fanchat.in/creators/ Applicable Application: FanChat Creators 1. INTRODUCTION ChatsPub Ventures (OPC) Private Limited ("Company", "we", "us", or "our") operates the FanChat Creators mobile application ("Application" or "Platform"). This Privacy Policy explains how we collect, use, process, store, share, protect, retain, and delete personal information provided by individuals registering as creators, influencers, professionals, experts, or service providers ("Creators" or "you") on the Platform. FanChat Creators enables eligible individuals to create professional profiles, complete identity verification, connect with users through the FanChat application, offer digital services, monetize their content, manage earnings, and request payouts. We are committed to protecting your personal information and maintaining transparency regarding our data practices. This Privacy Policy forms an integral part of the applicable FanChat Creators Terms of Use and other published policies. By registering for or using FanChat Creators, you acknowledge this Privacy Policy. Where required under applicable law, we will obtain your consent for the processing of personal information. 2. SCOPE OF THIS PRIVACY POLICY This Privacy Policy applies to: • Individuals applying to become FanChat Creators. • Registered and verified Creators. • Influencers, professionals, experts, and content creators. • Creators undergoing identity verification or KYC. • Creators receiving earnings or requesting payouts. • Individuals communicating with our support or verification teams. • Former Creators whose information is retained for lawful purposes. This Policy covers personal information collected through the FanChat Creators application, official website, registration forms, verification procedures, communications, payment systems, and associated services. 3. ELIGIBILITY AND AGE REQUIREMENTS FanChat Creators is intended exclusively for individuals aged 18 years or above. Creators must provide accurate information regarding their age and identity during registration and verification. We may request supporting documents to verify eligibility. Accounts found to belong to individuals below 18 years may be rejected, suspended, or terminated. Where personal information has been collected from an ineligible individual, we will take appropriate steps to delete or otherwise handle such information in accordance with applicable law. 4. PERSONAL INFORMATION WE COLLECT To provide and manage FanChat Creators services, we may collect the following categories of information. 4.1 Personal and Registration Information During registration and onboarding, we may collect: • Full legal name. • Display name or creator username. • Date of birth and age. • Gender. • Mobile number. • Email address. • Country, state, and city. • Residential address, where required for verification. • Preferred language. • Languages spoken. • Profile photograph. • Creator category or professional specialization. • Personal biography or professional description. • Registration date and account information. This information helps us create accounts, verify eligibility, maintain accurate creator profiles, and provide personalized platform services. 4.2 Social Media and Professional Information For creator authenticity, professional verification, and profile assessment, we may collect: • Instagram profile link or username. • YouTube channel link. • Facebook profile or page link. • Other relevant social media handles. • Publicly available social media profile information. • Professional qualifications, where applicable. • Creator category and area of expertise. • Publicly available follower or subscriber information. • Professional achievements and experience. Social media links may be used to verify identity, assess profile authenticity, prevent impersonation, and determine creator onboarding eligibility. We do not request social media passwords or private login credentials for verification. 4.3 Identity Verification and KYC Documents Identity verification is mandatory for Creators before approval and activation of monetization features. Depending on applicable verification requirements, we may collect: • Full legal name as appearing on identity documents. • Date of birth. • Gender, where required. • PAN card details or copy. • Government-issued identity proof. • Aadhaar details or documents, where lawfully permitted and appropriately processed. • Passport or driving licence, where accepted. • Selfie photographs. • Live photographs for identity verification. • Profile photographs submitted for KYC. • Audio or video verification recordings. • Social media profile links for authenticity verification. • Additional verification documents reasonably required for legitimate compliance purposes. KYC information is collected to: 1. Verify the Creator's identity and age. 2. Prevent fake accounts and impersonation. 3. Establish creator authenticity. 4. Reduce fraudulent activities. 5. Verify eligibility for monetization. 6. Comply with applicable legal and payment-related requirements. 7. Protect users and maintain platform safety. KYC documents are not intended for public display and are accessible only to authorized personnel and approved verification service providers where necessary. Aadhaar information, where accepted, will be handled in accordance with applicable law. We will not require unrestricted Aadhaar disclosure where an alternative lawful verification method is available. 5. BANKING AND PAYOUT INFORMATION To process Creator earnings and withdrawals, we may collect: • Bank account holder's name. • Bank name. • Bank account number. • IFSC code. • Bank branch information, where required. • Account type, where required. • PAN details for applicable tax compliance. • Bank account verification status. • Payout transaction references. • Withdrawal history. • Payment settlement information. Banking information is collected exclusively for legitimate payout processing, account verification, financial administration, fraud prevention, and applicable compliance requirements. Creators may receive payouts only through their verified bank accounts, subject to the Company's applicable payout policies. The Company may verify bank account ownership before approving withdrawals. Creators must ensure that their banking information is accurate and belongs to the authorized account holder. Bank account details will not be publicly displayed to FanChat users. We do not request or intentionally store ATM PINs, UPI PINs, internet banking passwords, or other banking authentication credentials. 6. PROFILE PHOTOGRAPHS, IMAGES AND MEDIA Creators may upload: • Profile photographs. • Cover photographs. • KYC photographs. • Selfie verification images. • Professional portfolio images. • Stories. • Videos. • Premium digital content. • Other permitted media. Public profile photographs and published content may be visible to users of FanChat. KYC photographs, identity documents, and private verification records are intended for internal verification and compliance purposes. We may review uploaded media to verify authenticity, enforce content policies, prevent impersonation, and maintain platform safety. Creators must upload only content they are authorized to share. 7. CAMERA, MICROPHONE AND STORAGE PERMISSIONS FanChat Creators may request access to certain device features depending on the services used. Camera: For profile photographs, identity verification, video KYC, video calls, and content creation. Microphone: For audio verification, audio calls, video calls, and supported voice features. Photos and Media: For uploading profile photographs, identity documents, videos, and digital content. Notifications: For receiving account updates, incoming interaction alerts, earnings notifications, verification updates, and service announcements. Permissions are requested when required for the relevant functionality, subject to device settings. Creators may manage permissions through their device settings. Disabling certain permissions may prevent related features from functioning. 8. COMMUNICATION AND INTERACTION DATA FanChat Creators enables Creators to interact with FanChat users through supported services, including: • One-to-one text chats. • Audio calls. • Video calls. • Paid consultations. • Digital content sharing. • Premium content and subscriptions. • Live sessions, where available. To provide these services, we may process: • Chat messages and associated media. • Call start and end times. • Call duration. • Participant account identifiers. • Interaction history. • Consultation booking information. • Service usage records. • Technical connection information. • Transaction-related communication metadata. This information may be processed to deliver services, calculate earnings, investigate complaints, prevent misuse, and resolve disputes. 8.1 Audio and Video Recordings Where recording functionality is implemented, permitted by applicable law, and appropriately disclosed, audio or video interactions may be recorded for legitimate purposes such as safety monitoring, complaint investigation, fraud prevention, and dispute resolution. Any such recordings will be subject to applicable consent requirements and appropriate access restrictions. The Company will not commercially sell private call recordings to third parties. 9. CREATOR EARNINGS AND TRANSACTION INFORMATION To manage Creator monetization, we may collect and process: • Earnings from paid chats. • Earnings from audio calls. • Earnings from video calls. • Consultation earnings. • Premium content revenue. • Subscription earnings. • Virtual gifts or other eligible monetization records. • Creator wallet balance. • Platform commission. • Withdrawal requests. • Payout status. • Transaction history. • Refunds, reversals, and adjustments. • Tax-related information. This information is used to calculate Creator earnings, maintain accurate financial records, process payouts, prevent fraud, and comply with applicable financial and taxation requirements. The Creator Wallet represents eligible earnings recorded within the Platform and is not a bank account. Payouts are subject to successful KYC, bank verification, applicable deductions, and the Company's payout policies. 10. HOW WE USE PERSONAL INFORMATION We process Creator information for legitimate purposes associated with operating FanChat Creators. These purposes include: Account Management: Creating, maintaining, authenticating, and securing Creator accounts. Identity Verification: Conducting KYC, verifying social media profiles, confirming age, and preventing impersonation. Platform Services: Enabling chats, calls, consultations, content sharing, and other supported services. Creator Monetization: Calculating earnings, managing transactions, and processing withdrawals. Payment Compliance: Maintaining financial records, verifying bank accounts, preventing fraud, and meeting applicable legal obligations. Platform Safety: Investigating complaints, identifying suspicious activity, enforcing community guidelines, and protecting users. Customer Support: Responding to Creator inquiries, resolving technical issues, and addressing disputes. Service Improvement: Monitoring performance, fixing technical issues, improving application functionality, and enhancing user experience. Legal Compliance: Responding to lawful requests and complying with applicable laws, regulations, and judicial directions. Communication: Sending important account notifications, verification updates, payment alerts, and permitted promotional communications. Personal information will not be processed for materially unrelated purposes without an appropriate lawful basis and additional notice or consent where required. 11. PUBLIC CREATOR PROFILE INFORMATION Certain Creator information may be displayed publicly on FanChat to enable users to discover and interact with verified Creators. Public information may include: • Creator display name. • Profile photograph. • Biography. • Creator category. • Languages spoken. • Professional description. • Verification badge. • Public social media links, where enabled. • Availability or online status. • Ratings and other supported profile indicators. • Published content. Private KYC documents, personal banking details, government identification numbers, and private verification records will not be publicly displayed. Creators are responsible for ensuring that information voluntarily published on their profiles is appropriate for public viewing. 12. DEVICE INFORMATION AND AUTOMATIC DATA COLLECTION When Creators use the Application, we may automatically collect: • Device model and manufacturer. • Operating system and version. • Application version. • IP address. • Device identifiers. • Device language. • Time zone. • Network information. • Login timestamps. • Application usage information. • Crash reports. • Diagnostic logs. • Performance information. • Push notification tokens. This information helps us maintain application functionality, improve performance, prevent unauthorized access, and investigate technical issues. We may use analytics and crash-reporting service providers for these purposes. 13. CONTENT MODERATION AND PLATFORM SAFETY FanChat Creators is intended for legitimate digital interactions, professional consultations, creator engagement, and content monetization. The Platform does not permit: • Sexually explicit or prohibited adult content. • Harassment or abusive conduct. • Fraudulent or misleading profiles. • Impersonation. • Illegal activities. • Unauthorized sharing of private information. • Other activities prohibited by applicable policies. To maintain platform safety, the Company may review reported content, investigate complaints, and use manual or automated moderation systems. Where implemented, automated systems may assist with identifying inappropriate images, abusive messages, suspicious behavior, and potential policy violations. Authorized personnel may review relevant information where necessary for safety, security, dispute resolution, or compliance. Moderation practices will be conducted in accordance with applicable law and published platform policies. 14. SHARING OF PERSONAL INFORMATION ChatsPub Ventures (OPC) Private Limited does not sell Creators' personal information to third parties. However, information may be shared with trusted service providers where reasonably necessary for legitimate operational purposes. These may include: Identity Verification Providers: To verify Creator identity, documents, and eligibility. Banking and Payment Partners: To verify bank accounts, process withdrawals, and maintain transaction records. Cloud and Hosting Providers: To securely host application infrastructure and store necessary information. Communication Service Providers: To facilitate supported messaging, audio, and video services. Analytics and Technical Service Providers: To monitor application performance and resolve technical issues. Security and Moderation Providers: To assist with fraud detection, content moderation, and platform safety. Legal and Regulatory Authorities: Where disclosure is required by applicable law, lawful orders, or valid regulatory requests. Third-party providers are expected to process information only for authorized purposes and maintain appropriate confidentiality and security safeguards. 15. DATA SECURITY AND PROTECTION We implement reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, and misuse. Security measures may include: • Encryption during transmission. • Appropriate protection of stored sensitive information. • Restricted access to KYC documents. • Authentication and account security controls. • Authorized personnel access restrictions. • Security monitoring. • Internal access controls. • Secure banking information handling. • Incident response procedures. • Periodic review of security practices. Although we take reasonable precautions, no digital system or internet transmission method can guarantee absolute security. Creators are responsible for maintaining the confidentiality of their login credentials and protecting their accounts against unauthorized access. 16. DATA RETENTION We retain personal information only for as long as reasonably necessary for legitimate business purposes or as required under applicable law. Retention purposes may include: • Maintaining active Creator accounts. • Completing KYC verification. • Processing earnings and payouts. • Maintaining accounting and tax records. • Investigating fraud. • Resolving disputes. • Complying with legal obligations. • Protecting platform security. • Establishing or defending legal claims. Identity documents and banking information may be retained for applicable verification, financial, regulatory, or dispute-resolution purposes. When personal information is no longer required, we will take appropriate steps to securely delete, anonymize, or otherwise dispose of it, subject to applicable legal requirements. Certain backup records may remain temporarily until deletion under applicable retention procedures. 17. ACCOUNT DELETION AND DATA REMOVAL Creators may request account deletion through the available Application features or official support channels. Upon receiving a valid request, we may verify account ownership before processing deletion. Where applicable, the Company may first review: • Pending withdrawal requests. • Outstanding transactions. • Unresolved disputes. • Fraud investigations. • Tax and accounting obligations. • Other legal or regulatory requirements. Personal information that is no longer necessary will be deleted or anonymized in accordance with applicable law. Certain financial, KYC, transaction, or compliance records may be retained where legally required or otherwise lawfully permitted. Deleting a Creator account does not automatically eliminate outstanding legal obligations or valid financial records. 18. CREATOR PRIVACY RIGHTS Subject to applicable law, Creators may have the right to: 1. Request access to information about their personal data and its processing. 2. Correct inaccurate or incomplete personal information. 3. Update account and profile details. 4. Request deletion of eligible personal information. 5. Withdraw consent where processing is based on consent. 6. Manage applicable notification preferences. 7. Raise privacy-related grievances. 8. Exercise other rights available under applicable data protection law. Requests may be subject to identity verification and lawful limitations. Withdrawal of consent may affect access to services requiring the relevant information. For example, withdrawing consent for mandatory identity verification may prevent continued participation in monetization or payout features. 19. CONSENT FOR KYC AND BANK VERIFICATION During Creator registration or verification, we may request specific consent for collecting and processing identity documents, photographs, banking details, and other verification information where required by law. Such information may be necessary to: • Verify identity and age. • Approve Creator accounts. • Enable monetization. • Verify bank ownership. • Process eligible withdrawals. • Prevent fraudulent activities. • Meet applicable compliance obligations. Creators who do not provide mandatory verification information may be unable to complete onboarding, activate monetization features, or receive payouts. Where consent is the applicable legal basis, Creators may withdraw it through the designated process, subject to lawful retention requirements and the consequences for services dependent on that information. 20. THIRD-PARTY SOCIAL MEDIA LINKS Creators may voluntarily provide links to external social media accounts, including Instagram, YouTube, Facebook, and other supported platforms. These links may be used for authenticity verification, professional profile assessment, and creator discovery. We may review publicly available information associated with submitted profiles for legitimate verification purposes. External social media platforms operate under their own privacy policies and terms. The Company is not responsible for the independent privacy practices of third-party social media platforms. 21. INTERNATIONAL DATA PROCESSING Certain technology, hosting, analytics, verification, or communication service providers may process information outside India. Where international processing or transfer occurs, the Company will seek to comply with applicable Indian data protection requirements and implement appropriate contractual, technical, and organizational safeguards. Any applicable restrictions on international transfers will be respected. 22. DATA BREACHES AND SECURITY INCIDENTS If we become aware of a security incident involving personal information, we will take reasonable steps to: • Investigate the incident. • Contain and reduce potential harm. • Secure affected systems. • Assess the nature and impact of the incident. • Notify affected individuals and relevant authorities where required by law. • Implement corrective measures. Security incidents will be handled in accordance with applicable legal obligations and internal incident-response procedures. 23. CHILDREN'S PRIVACY FanChat Creators is strictly intended for individuals aged 18 years and above. We do not knowingly permit minors to register as Creators. If we discover that an account belongs to a person below 18 years, we may suspend or terminate the account and take appropriate steps concerning the associated personal information. 24. MARKETING AND SERVICE COMMUNICATIONS We may contact Creators through registered mobile numbers, email addresses, push notifications, or other authorized communication channels. Communications may include: • Account registration confirmations. • KYC verification updates. • Profile approval notifications. • Earnings and withdrawal updates. • Security alerts. • Important policy changes. • Service announcements. • Promotional campaigns, where permitted. Creators may manage eligible promotional communication preferences through available settings or support channels. Essential transactional, legal, and security communications may continue where permitted or required by law. 25. COOKIES AND SIMILAR TECHNOLOGIES Where applicable, the FanChat Creators website or associated web services may use cookies and similar technologies to: • Maintain secure sessions. • Remember preferences. • Improve functionality. • Analyze service performance. • Detect suspicious activity. Creators may manage certain cookie preferences through their browser settings, where supported. Disabling essential cookies may affect the functionality of relevant web services. 26. CHANGES TO THIS PRIVACY POLICY The Company may update this Privacy Policy periodically to reflect: • Changes in applicable laws. • New application features. • Updated verification requirements. • Changes in payment or banking procedures. • Improvements in security practices. • Changes in business operations. Updated policies will be published through the Application or official website. Where required by applicable law, we will provide additional notice or obtain fresh consent before implementing material changes to personal data processing. The effective date will be updated when a revised Policy is published. 27. APPLICABLE LAWS This Privacy Policy is intended to operate in accordance with applicable laws of India, including, where relevant: • Digital Personal Data Protection Act, 2023, and applicable rules and provisions as brought into force. • Information Technology Act, 2000. • Applicable rules and regulations concerning personal information and information security. • Relevant financial, banking, taxation, and payment-related legal requirements. • Lawful directions issued by competent courts and authorities. Nothing in this Privacy Policy limits any mandatory rights available to Creators under applicable law. 28. CONTACT INFORMATION AND GRIEVANCE REDRESSAL For privacy-related questions, concerns, correction requests, data deletion requests, or complaints, Creators may contact: Company Name: ChatsPub Ventures (OPC) Private Limited Application: FanChat Creators Website: https://www.fanchat.in/creators/ Privacy / Grievance Officer: Aditya Mendhe Privacy Email: fanchat.creators@gmail.com Support Contact: +91-9359372889 We will review and respond to valid privacy-related requests and grievances in accordance with applicable legal requirements. Where required, Creators may also exercise available rights before the appropriate statutory authority. 29. GOVERNING LAW This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws of India. Disputes arising from this Privacy Policy shall be addressed in accordance with applicable law and the relevant dispute-resolution provisions of the Platform's Terms of Use. Nothing in this provision restricts statutory rights or remedies available under applicable data protection law. 30. ACKNOWLEDGEMENT By registering for or using FanChat Creators, you acknowledge that you have read and understood this Privacy Policy. You understand that the Company collects and processes personal information, including identity verification documents, social media profile information, banking details, Creator earnings records, and other relevant information, for the purposes described in this Policy. Where required by law, your specific consent will be obtained before processing the relevant information. Mandatory KYC and bank verification may be required before Creators can access monetization and payout services. END OF PRIVACY POLICY FanChat Creators Operated by ChatsPub Ventures (OPC) Private Limited © 2026 ChatsPub Ventures (OPC) Private Limited. All rights reserved.