Privacy Policy

Guru Chat is committed to handling personal data responsibly and transparently. This Policy explains how personal data is processed when you use Guru Chat’s AI-based astrology, numerology, horoscope, chart, guidance, chat, persona and related features.

1. Scope and application

This Privacy Policy applies to the Guru Chat mobile application and all Guru Chat-powered products, AI personas, chats, horoscopes, kundli or birth-chart features, numerology tools, reports, recommendations, subscriptions, purchases, support channels and related services (collectively, the “Services”).

This Policy should be read together with the Guru Chat Terms of Use, payment and refund terms, community or safety rules, and any feature-specific notice shown at the time personal data is collected.

2. Who we are and our data role

Guru Chat is operated by Neosophical Labs Private Limited. Where Guru Chat determines why and how personal data is processed, it acts as the data fiduciary or controller under applicable law. Our service providers process data only for defined purposes and subject to contractual, technical and organizational safeguards.

3. Nature of Guru Chat and AI astrologer personas

Guru Chat provides access to a large library of AI-generated astrology and numerology personas, including domain-specific personas focused on areas such as relationships, marriage, career, business, finance, family, education, personal growth and spirituality.

These personas are software-generated simulations informed by astrology- and numerology-related material, traditions, interpretations and other information available from public, licensed or otherwise lawfully usable sources. They are not the actual astrologers, numerologists, gurus or human experts whose names, traditions, public teachings or professional styles may have informed a persona. Unless a feature is expressly and clearly identified as a verified human service, no real astrologer, numerologist, guru or human expert has created, reviewed, endorsed, sponsored or participated in a Guru Chat response, and no affiliation should be inferred.

Guru Chat does not guarantee the accuracy, completeness, scientific validity, reliability or outcome of any astrological interpretation or prediction. Outputs are probabilistic and may be incomplete, inaccurate, inconsistent or unsuitable for a user’s circumstances.

4. Personal data we may collect

Depending on how you use the Services, we may collect the following categories of personal data:

5. Data concerning other people

You should provide another person’s personal information only where you have a lawful basis and, where required, their permission. Do not submit highly sensitive, confidential or intimate information about another person without authorization. You are responsible for the accuracy and lawfulness of third-party information you provide.

6. How we use personal data

• create, authenticate, maintain and secure accounts;
• calculate charts, horoscopes, compatibility indicators and other astrology-related outputs;
• generate and personalize AI conversations, reports and recommendations;
• maintain conversation continuity and user preferences;
• process purchases, Blessings, transaction records and payment-failure refunds;
• send operational notices, security alerts, receipts, service updates and permitted marketing communications;
• detect fraud, misuse, policy violations, harmful content, security incidents and technical errors;
• measure and improve product quality, reliability, accessibility and user experience, using aggregated or de-identified data where reasonably possible; and
• comply with legal, regulatory, tax, accounting, audit, enforcement and risk-management obligations.

7. AI processing and model improvement

Guru Chat uses automated systems and artificial intelligence to interpret user inputs and generate outputs. This necessarily requires the relevant input and conversation context to be processed by Guru Chat systems and, where applicable, contracted AI or cloud infrastructure providers.

Guru Chat will not use identifiable private chat content to train general-purpose AI models unless this is clearly disclosed and a lawful basis, including consent where required, is obtained. We may use feedback, aggregated statistics, safety signals and de-identified or anonymized data to evaluate and improve the Services.

Automated outputs do not constitute decisions having legal or similarly significant effect. Users should independently verify important information and consult qualified professionals for consequential decisions.

8. Encryption, confidentiality and access controls

Guru Chat uses reasonable technical and organizational safeguards designed to protect personal data. User data and consultation content are encrypted in transit and at rest using industry-standard security controls, where supported by the relevant system.

Guru Chat is designed so that authorized personnel do not have routine access to the readable contents of private user consultations. Access is restricted by role, logged and permitted only where technically necessary and lawfully justified, such as when a user requests support, to investigate security or abuse, to restore service, or to comply with a binding legal obligation. Where the product architecture supports end-to-end or zero-knowledge encryption for a feature, the feature-specific notice will state this expressly.

No online system can be guaranteed to be completely secure. Users must protect their credentials, devices and one-time passwords and promptly notify us of suspected unauthorized access.

9. Legal grounds for processing

We process personal data on grounds permitted by applicable law, including consent, performance of a service requested by you, specified legitimate uses, protection of users and platform integrity, and compliance with legal obligations. Where processing is based on consent, you may withdraw consent for future processing without affecting processing already carried out lawfully.

10. Sharing and disclosure

We do not sell personal data. We may disclose limited personal data only as reasonably necessary to:

• cloud hosting, payment, communications, analytics, security, customer support, AI infrastructure and other contracted service providers acting for defined purposes;
• banks, payment gateways and payment processors to complete transactions, detect fraud and resolve payment failures;
• professional advisers, auditors, insurers, investors or acquirers in connection with legitimate corporate transactions and subject to appropriate confidentiality safeguards;
• law-enforcement agencies, courts, regulators or other authorized recipients where required by law or necessary to protect rights, safety and platform integrity; and
• other recipients at your direction or with your consent.

Service providers are not permitted to use personal data for unrelated marketing or independent sale merely because they process it for Guru Chat.

11. International processing and transfers

Guru Chat and its service providers may process or store personal data outside India. Where this occurs, we apply appropriate contractual, organizational and technical safeguards and comply with transfer restrictions under applicable law. Privacy protections in another jurisdiction may differ from those in India.

12. Blessings, purchases, refunds and payment failures

“Blessings” is the sole in-app virtual currency used within Guru Chat. Blessings have no cash value, are not legal tender, cannot be transferred outside the Platform, and cannot be redeemed or exchanged for money except where required by law. Guru Chat may determine how Blessings are purchased, granted, consumed, expired or adjusted, subject to applicable law and the Terms of Use.

Payments successfully completed for Blessings, subscriptions, reports or other digital Services are final and non-refundable once made, except where a refund is mandatory under applicable law or expressly approved by Guru Chat in writing.

If a payment fails or the relevant purchase is not credited but money has been deducted from the user’s payment account, the deducted amount will be reversed or refunded to the original payment method within 14 business days, subject to the timelines and processes of the bank, card network, payment gateway or payment service provider. Users may be asked to provide a transaction reference and supporting proof.

Guru Chat does not store complete card numbers, CVV data, UPI PINs or banking passwords. Such information is handled by the relevant regulated payment provider under its own terms and privacy policy.

13. Data retention

We retain personal data only for as long as reasonably necessary to provide the Services, preserve account and transaction records, maintain security, resolve disputes, enforce agreements and meet legal, tax, accounting or regulatory duties. Retention periods may differ by data category.

• account data is generally retained while the account is active and for a reasonable period afterward;
• chat history may be retained to provide continuity unless the user deletes it or an available privacy setting provides otherwise;
• payment and transaction records may be retained for statutory accounting, tax, fraud-prevention and dispute-resolution periods; and
• safety, complaint and security records may be retained where reasonably necessary to investigate incidents or defend claims.

When data is no longer reasonably required, we delete, anonymize or de-identify it, subject to technical limitations, backup cycles and lawful retention requirements.

14. Your rights and choices

Subject to applicable law, identity verification and legitimate exceptions, you may request access to, correction or updating of, or deletion of your personal data; withdraw consent for future processing; opt out of marketing communications; manage available personalization or chat-history settings; and raise a grievance. Where supported by law, you may nominate another person or authorize a representative to exercise certain rights.

Requests may be submitted through the in-app privacy flow or the privacy contact listed at the top of this Policy. We may request information reasonably necessary to verify identity, authority and the scope of a request.

15. Children’s privacy

Guru Chat is intended only for persons aged 18 years and above. We do not knowingly permit children to create accounts or purchase Services. If we learn that personal data of a child has been collected without valid authorization, we may suspend the account and delete or de-identify the relevant data, subject to applicable law.

16. Safety and sensitive decisions

Do not use Guru Chat as a substitute for emergency services or professional advice. Guru Chat does not diagnose, treat or prevent any medical or mental-health condition and does not provide legal, investment, tax, credit, employment or matrimonial guarantees. Do not make high-impact decisions solely on the basis of an AI-generated reading or prediction.

If content suggests an immediate risk of serious harm, Guru Chat may provide safety messaging, limit the interaction or take other proportionate action. Guru Chat is not an emergency-response service.

17. Third-party services and links

The Services may link to or integrate with third-party websites, app stores, payment providers, analytics tools, social networks or other products. Those third parties process data under their own terms and privacy policies. Guru Chat is not responsible for independent third-party privacy practices.

18. Grievance redressal and contact

Privacy and data-protection grievances may be sent to the privacy contact listed at the top of this Policy. Postal correspondence may be sent to the principal address. We will acknowledge and respond within the period required by applicable law and may request reasonable information to verify the complaint.

19. Governing law and jurisdiction

This Policy is governed by the laws of India, including applicable provisions of the Digital Personal Data Protection Act, 2023, the Digital Personal Data Protection Rules, 2025, the Information Technology Act, 2000, and other applicable rules and regulations, as amended or brought into force from time to time.

Subject to non-waivable statutory rights, the jurisdiction of any competent statutory or regulatory authority that cannot lawfully be excluded, and the dispute-resolution provisions in the Guru Chat Terms of Use, the courts at Bhopal, Madhya Pradesh, India shall have exclusive jurisdiction over matters arising out of or relating to this Policy and the processing of personal data. Nothing in this Policy limits a user’s right to approach a competent statutory authority or regulator where that right cannot lawfully be restricted.

20. Changes to this Policy

We may update this Policy to reflect changes in the Services, technology, law, security practices or business operations. Material changes will be notified through the Platform, email or another reasonable method. The updated version will display its effective date.

21. Contact

Principal address: 10th Floor, Building 4, C Wing, Nesco IT Park, Goregaon East, Mumbai - 400063, Maharashtra, India