Privacy Policy

This Privacy Policy explains how Talka (“we”, “us”, “our”) collects, uses, stores, and shares personal information when you use the Talka mobile app and website at talka.fozsys.com. By using Talka, you acknowledge this Policy. For our rules of use, see the Terms & Conditions.

1. Who We Are

Talka is a voice consultation platform. Privacy requests and questions can be sent to tolka@fozsys.com.

2. Data We Process

Depending on how you use Talka, we may process:

• Account & profile: name, phone number, email, gender, date of birth, preferred language, and other profile fields you provide.
• Authentication: OTP codes, verification timestamps, and related security logs used for sign-in and sensitive actions (such as phone/email change or account deletion).
• Calling & technical data: call metadata (for example start/end time, duration, caller/receiver identifiers), SIP/extension identifiers, device or connectivity signals needed to operate voice calls, and online presence/heartbeat status.
• Payments & coins: recharge records, coin balance, transaction references from payment processors, withdrawal requests, and UPI identifiers you submit for payouts.
• Expert/service details: service descriptions, rates, availability, talk categories, and avatar or media you upload for your public profile.
• Support & communications: messages you send to support and related correspondence.
• App & usage: basic diagnostics and usage events needed to keep the Service reliable and secure (where implemented).

We do not intentionally collect full payment card numbers inside the Talka app; card/UPI entry for recharges occurs on the payment provider’s checkout.

3. Why We Process Data

• To create and manage accounts, authenticate users, and provide calling, billing, and support features.
• To calculate coin usage, process recharges and withdrawals, and prevent payment fraud or abuse.
• To operate and improve reliability, call quality, safety, and product performance.
• To enforce our Terms, investigate misuse, and protect users and the platform.
• To meet legal, tax, accounting, and regulatory obligations where applicable.
• To communicate service notices, security alerts, and (where permitted) product updates.

4. Legal Bases (Where Applicable)

Where data-protection law requires a legal basis, we rely on performance of a contract (providing the Service), legitimate interests (security, fraud prevention, service improvement), consent where required (for example certain optional profile fields or communications), and legal obligation.

5. How We Share Data

We do not sell your personal data. We may share limited information with:

• Payment processors such as Razorpay, solely to process recharges and related payment verification.
• SMS / OTP providers (for example 2Factor or equivalent), solely to deliver authentication codes.
• Hosting and infrastructure providers that run Talka servers under appropriate safeguards.
• Other users as needed for the Service (for example display name or profile details visible during consultations).
• Authorities when required by law, court order, or to protect rights, safety, and security.
• Business transfers if we undergo a merger, acquisition, or asset transfer, subject to continued protection of personal data.

5A. Safety reports

If you report another user in-app, we process the report reason, optional details, and related account identifiers to investigate abuse and enforce our Terms. Blocking stores a relationship so blocked profiles are hidden from your listings.

6. Security

We apply reasonable technical and organizational controls for authentication, transport security (TLS), access control, and infrastructure protection. No method of transmission or storage is completely secure. Please protect your device, app access, and OTP codes, and notify us promptly of suspected unauthorized use.

7. Data Retention

We retain personal data only as long as needed for the purposes above, including providing the Service, resolving disputes, enforcing agreements, and meeting legal or financial record-keeping requirements. After account deletion, we anonymize or clear personal identifiers such as name, email, and phone where feasible. Certain anonymized or aggregated records, and records required for security, billing, tax, or law, may be retained for longer periods.

8. Your Rights & Choices

• Update profile information in the app (Settings → Profile / Edit Profile).
• Delete your account and request clearing of personal identifiers via https://talka.fozsys.com/profile/delete (also linked from Settings → Edit Profile → Delete Account). Deletion requires phone OTP verification.
• Contact us to request access, correction, or other privacy help where applicable law provides those rights.
• You may withdraw consent for optional processing where processing is consent-based, without affecting prior lawful processing.

Some requests may be limited where we must retain data for security, billing, fraud prevention, or legal compliance, or where fulfilling a request would adversely affect others’ rights.

9. Children

Talka is for adults only. You must be at least 18 years old to use the Service. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided data, contact us and we will take appropriate steps to delete it.

10. International Processing

Your information may be processed on servers or by processors located in India or other countries where we or our service providers operate. Where required, we use appropriate safeguards for cross-border transfers.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page will change when we do. Continued use of Talka after an update means you acknowledge the revised Policy, except where additional consent is required by law.

12. Contact

For privacy requests: tolka@fozsys.com

Related documents: Terms & Conditions · Delete Account