TaxxSavvy Privacy Policy

At TaxxSavvy (operated under SSBA Innovations Ltd, hereinafter referred to as "SSBA", "TaxxSavvy", "we", "us", or "our"), we hold an uncompromising commitment to safeguarding personal information that pertains to our clients, website visitors, and taxpayers.

Our dedication extends to full and rigorous compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI Rules), the Digital Personal Data Protection Act (DPDP), and all other pertinent statutory regulations in effect within the Republic of India.

This Privacy Policy delineates our procedures for collecting, processing, managing, storing, and safeguarding data utilized for Income Tax Return (ITR) preparation, notice defense, GST compliance, CA advisory, and allied financial services.

This Privacy Policy is universally relevant to all individuals and entities interacting with TaxxSavvy, including but not limited to:

• Individual Taxpayers & Salaried Employees: Individuals using TaxxSavvy for filing ITR-1, ITR-2, claiming TDS refunds, or optimizing exemptions (HRA, 80C, 80D).
• Business Owners, Professionals & Freelancers: Sole proprietorships, LLPs, companies, and consultants filing presumptive tax (44AD/44ADA) or full audited accounts.
• Capital Market Traders & Investors: Equity, mutual fund, crypto, and Futures & Options (F&O) traders uploading trade books and P&L reports.
• Non-Resident Indians (NRIs): Global taxpayers seeking DTAA tax relief, NRE/NRO account compliance, and foreign asset disclosures (Schedule FA).
• Notice Recipients: Individuals seeking CA consultation and drafting for Income Tax notices (Section 143(1), 139(9), 148, 142(1), 156) and CIT appeals.
• General Website Visitors: Anyone utilizing our free online tax calculators, tax glossaries, and knowledge guides.

For convenience, all the above categories are collectively referred to as "you", "user", or "client" throughout this document.

In order to provide accurate CA-assisted tax filing, notice drafting, and advisory services, we collect only the necessary information outlined below:

TaxxSavvy uses your data exclusively for lawful, client-approved purposes:

• Tax Computation & E-Filing: Accurately calculating total taxable income, claiming applicable exemptions (80C, 80D, HRA, 80G, 80TTA), preparing XML/JSON utilities, and submitting ITRs to the Income Tax Department e-Filing Portal.
• Income Tax Notice Assessment: Reviewing demand notices or defect memos under Sections 143(1), 139(9), 148, 142(1), or 156, reconciling mismatch in AIS/26AS, and drafting formal legal CA submissions.
• GST & Corporate Compliance: Preparing and submitting GSTR-1, GSTR-3B, annual GST returns, MCA filings, and company incorporation documentation.
• Client Communication: Transmitting e-filing acknowledgments (ITR-V), refund status notifications, compliance due-date alerts, and customer support ticket resolutions via Email, SMS, or WhatsApp.
• Security & Fraud Prevention: Protecting our systems against unauthorized access, malicious intrusion, phishing, and identity fraud.

We do not use automated profiling or black-box algorithms that produce legal effects without human Chartered Accountant oversight.

By creating an account, uploading financial documents, scheduling a CA consultation, or engaging our e-filing services on TaxxSavvy, you provide explicit, informed consent for us to process your information as delineated in this policy.

In situations where statutory e-Filing or portal verification requires Electronic Verification Code (EVC) or Aadhaar OTP, we only initiate actions upon your immediate authorization and one-time verification.

TaxxSavvy maintains strict non-disclosure safeguards. We never sell, rent, or lease your personal identification or financial records to third-party telemarketers, insurance brokers, or advertising networks.

We disclose information solely under the following limited circumstances:

• Statutory Authorities: Income Tax Department of India (CPT/Incometax.gov.in), Goods and Services Tax Network (GSTN), Ministry of Corporate Affairs (MCA), and Reserve Bank of India (RBI) solely for executing statutory e-filings authorized by you.
• Certified Chartered Accountants & Legal Specialists: Qualified Chartered Accountants, advocates, and tax associates directly assigned to execute your tax filings under binding Non-Disclosure Agreements (NDAs).
• Infrastructure & Security Partners: High-security ISO-27001 certified cloud hosting providers (e.g., AWS India / Google Cloud Platform India regions) that provide encrypted storage infrastructure.
• Legal & Law Enforcement Compliance: When strictly required by a valid judicial court order, statutory subpoena, or formal directive from an authorized Indian law enforcement agency for criminal or cyber-security investigations.

We deploy robust enterprise-grade security protocols to protect your sensitive financial information:

• End-to-End Transit Encryption: All data transmissions between your browser and our servers are encrypted using Transport Layer Security (TLS 1.3 / 256-bit SSL).
• Storage Encryption: All stored tax returns, Form-16 documents, and bank proofs are encrypted at rest using AES-256 bit encryption.
• Role-Based Access Control (RBAC): Access to client tax records is strictly restricted to assigned Chartered Accountants on a need-to-know basis with multi-factor authentication (MFA).
• Data Retention Schedule: In accordance with Indian Income Tax Act regulations requiring maintenance of tax records for up to 6 assessment years for reassessment scrutiny, we securely preserve your filed returns and audit trails for the mandatory statutory period, after which records are permanently purged.

Our website employs lightweight cookies and session storage mechanisms to deliver a seamless browsing experience. Cookies are small data files placed on your device to remember user sessions, calculator state, and security tokens.

• Essential Session Cookies: Required to maintain authentication, secure lead forms, and manage multi-step consultation bookings.
• Functional & Calculator Cookies: Used to temporarily cache calculator inputs (such as Old vs New regime salary figures) so you don't lose progress upon page reload.
• Anonymous Analytics: Aggregated, non-personally identifiable metrics (such as page load speeds and visitor counts) to continuously optimize website performance.

You have full control over your cookie preferences through your browser settings. You may choose to block or delete cookies at any time; however, certain interactive tools and calculators may require essential cookies to operate correctly.

Under applicable Indian data protection laws, you enjoy extensive statutory rights regarding your personal information:

• Right to Access: You may request a complete summary of your personal information, filed return copies, and payment histories maintained on our platform.
• Right to Rectification: If you discover inaccuracies in your contact info, PAN, or financial inputs, you can request immediate correction by our support desk.
• Right to Erasure / Deletion: You may request the deletion of your account and uploaded documents, subject to statutory tax record retention obligations under Section 148 of the Income Tax Act.
• Right to Data Portability: You can request your computed tax computation sheets and acknowledgment receipts in standard PDF/JSON formats.
• Right to Opt-Out: You may opt-out of promotional communications and educational newsletters at any time via the unsubscribe link or by contacting us.

In accordance with the Information Technology Act, 2000 and rules made thereunder, TaxxSavvy has designated a dedicated Grievance Officer to address any privacy, data security, or service concerns promptly:

Last Updated: September 2024. TaxxSavvy reserves the right to periodically update this Privacy Policy to reflect statutory tax changes or enhanced security protocols. Continued use of the platform constitutes acceptance of revised terms.