Privacy Policy

Introduction

At Prosper Overseas, we are committed to protecting your privacy and ensuring the responsible management of your personally identifiable information (“Personal Information”) in accordance with applicable data protection laws and regulations.

This Privacy Policy applies to all users of our website, services, and platforms, including students, parents, and partner institutions (“Users”). It outlines how we collect, use, and safeguard the information you provide when using Prosper Overseas services, including course guidance, university shortlisting, and study abroad application support.

1. Personal Information

“Personal Information” refers to any information that identifies or can reasonably identify an individual. This may include, but is not limited to, your name, contact information, academic records, test scores, financial details, work experience, and other factors specific to your profile.

2. Purpose of Data Collection

We collect and use your Personal Information primarily to:

• Provide professional guidance on study abroad opportunities, including university shortlisting and application assistance.
• Facilitate communication between students and universities, colleges, or educational partners.
• Assist in completing and submitting applications to universities and institutions abroad.
• Inform students about application updates, deadlines, and other relevant information.
• Offer related services such as scholarship guidance, education loan assistance, and EMI calculations.

3. Admission Disclaimer & Decision Authority

• Admission to any university or institution is not guaranteed; final decisions rest solely with the respective institution.
• Our role is strictly advisory: we provide guidance, shortlist universities based on student profiles, and facilitate applications.
• Visa approvals or rejections are at the sole discretion of the Embassy/Consulate, and we do not guarantee visa outcomes.

4. Profile-Based Shortlisting

• University recommendations are based on the student’s academic performance, test scores, work experience, financial background, and overall profile.
• Applications that do not meet minimum eligibility criteria may be declined.

5. Documentation & Accuracy

• Students and channel partners must provide accurate, complete, and verifiable documentation.
• Incomplete or falsified information may result in rejection of applications without liability on our part.

6. Fees & Payments

• Application fees, tuition deposits, or service charges are non-refundable unless specified by the university.
• Channel partners are responsible for ensuring timely payment of applicable fees to avoid delays.

6. Communication & Updates

• All updates regarding application status will be shared through official channels only.
• Channel partners must keep students informed transparently and promptly.

7. Ethical Conduct

• Channel partners must represent Prosper Overseas services honestly and refrain from making false promises regarding admissions, scholarships, or visas.
• Any malpractice or fraudulent activity may result in immediate termination of partnership.

8. Liability Limitation

• Prosper Overseas will not be liable for losses, delays, or rejections caused by universities, embassies, or other external factors beyond our control.
• Any disputes will be handled according to the governing laws of India.

9. Data Security & Retention

• We implement appropriate technical and organizational measures to protect your data from unauthorized access, disclosure, or misuse.
• Personal Information is retained only for as long as necessary to fulfill the purposes outlined in this Policy or as required by law.

10. Your Rights

• You have the right to access, correct, or request deletion of your Personal Information in accordance with applicable laws.
• You may also withdraw consent for processing your data where legally permissible, subject to the need to complete any ongoing services.

11. Changes to this Policy

Prosper Overseas reserves the right to update this Privacy Policy at any time. Updates will be posted on this page with the revised effective date.

12. Processing of Personal Information

Prosper Overseas may process your Personal Information for the following legitimate purposes:

• Enhancing user experience: We use information collected through cookies, analytics, and similar technologies to improve your browsing experience and the overall performance of our website and services.
• Personalization: Our automated systems may analyse your information to provide customized university recommendations, relevant programs, or promotional offers tailored to your interests.
• Communication: We may send newsletters, updates, and alerts related to study abroad opportunities, scholarships, or services offered by Prosper Overseas — only if you have subscribed to receive them. You may unsubscribe at any time through your account settings or by contacting us.
• Research & Improvement: We may use anonymized information for internal research, market analysis, and surveys to enhance our products and services.
• Marketing & Promotions: With your consent, we may inform you about new services, special offers, or upcoming events that could be of interest.
• Fraud Prevention & Legal Compliance: We may process your data to prevent, detect, and investigate fraud, unauthorized activities, or other legal violations, and to comply with applicable laws and regulatory requirements.
• Legal Rights: We may use or disclose information as necessary to establish, exercise, or defend our legal rights in connection with any dispute, claim, or proceeding.

13. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance user experience and analyse website traffic.

What are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us remember your preferences and provide you with a smoother browsing experience.

How We Use Cookies:

• To remember user preferences and settings.
• To analyse website usage trends and improve performance.
• To deliver personalized content and recommendations.
• To improve our marketing and promotional campaigns.

You can manage or disable cookies in your browser settings. However, disabling cookies may limit certain features of our website.

Tracking technologies may collect information such as IP addresses, browser type, device information, operating system, referring URLs, and timestamps. This data is used for system administration, website optimization, and improving user experience.

For more details, please refer to our Cookie Policy.

14. Third-Party Services

Prosper Overseas may use trusted third-party service providers to deliver certain services, including but not limited to:

• Website hosting and maintenance
• Data analytics and marketing support
• Communication and customer relationship management

We may share limited Personal Information with these service providers only as necessary to enable them to perform their designated functions. All such partners are required to handle your data securely and in accordance with this Privacy Policy.

We do not sell or rent your Personal Information to any third party. However, we may share your details with universities, institutions, or visa partners as part of the study abroad application process — solely to facilitate your admission journey.

15. International Data Transfers

In certain cases, your Personal Information may be transferred and processed outside India for purposes such as university applications, partner collaborations, or technical support. Such transfers will always comply with applicable data protection laws and will ensure the same level of data security as provided within India.

16. External Links and Third-Party Websites

Our website may contain links to third-party websites, including universities, scholarship providers, or partner organizations. These sites operate independently and are governed by their own privacy policies.

Prosper Overseas is not responsible for the content, data handling, or privacy practices of these third-party websites. We recommend reviewing the privacy policies of any external sites you visit before sharing your Personal Information

17. Children’s Privacy

Prosper Overseas does not knowingly collect or solicit personal information from individuals under the age of 18 without the consent of a parent or legal guardian.

If you are under 18 years of age (or the age of majority as defined in your jurisdiction), you may use our website or services only under the supervision of your parent, legal guardian, or a responsible adult.

If we learn that we have inadvertently collected personal data from a minor without proper consent, we will take immediate steps to delete such information from our systems.

18. Information Sharing

We take your privacy seriously and restrict access to your Personal Information to authorized employees, representatives, and trusted partners who need the information to perform their duties and provide our services effectively.

Prosper Overseas does not sell, rent, or trade your personal information to any third party. However, we may share limited Personal Information under the following circumstances:

1. To Provide Requested Services: We may share your data with universities, educational institutions, or visa partners as required to process applications, offer guidance, or complete requested services.
2. With Your Consent: We may share information with third parties if you have explicitly authorized us to do so.
3. With Trusted Partners and Service Providers: We engage reputable third-party service providers under confidentiality agreements to help us operate our business, deliver services, or communicate relevant offers. These providers are obligated to protect your information and are not permitted to use it for any other purpose.
4. For Legal and Security Reasons: We may disclose Personal Information when required to:
   • Comply with applicable laws, regulations, or legal processes.
   • Respond to lawful requests from public authorities or courts.
   • Protect our rights, safety, or property, or that of our users or others.
   • Investigate, prevent, or address suspected fraud, illegal activities, or policy violations.
5. Business Transfers: In the event of a merger, acquisition, or restructuring involving Prosper Overseas, your information may be transferred to the acquiring entity, subject to the same privacy commitments outlined here.
6. Educational Institutions:
   • We may share your details (such as name, contact number, and email) with universities or institutions when you express interest in specific programs or apply for admission.
   • These institutions may use your data to contact you directly for admission, marketing, or related purposes.
   • While we instruct our partner institutions to use this information responsibly, Prosper Overseas is not responsible for how such institutions use, store, or disclose your information once shared. We recommend reviewing each institution’s own Privacy Policy for details on their data handling practices.
7. Marketing and Advertisements: We may display relevant advertisements or promotional offers based on your interests and interactions with our platform. However, Prosper Overseas does not share personally identifiable data with advertisers unless you engage directly with their offers or campaigns.

19. Vendor and Partner Collaboration

Prosper Overseas collaborates with various vendors, affiliates, and partners across education, finance, technology, and related sectors to improve user experience and provide comprehensive support. Each of these entities is bound by confidentiality and data protection obligations consistent with this Privacy Policy.

20. Retention of Personal Information

Prosper Overseas retains your Personal Information only for as long as necessary to fulfill the purposes for which it was collected, in accordance with legal, regulatory, and contractual obligations.

Once the retention period expires, your data may be securely archived for compliance or deleted in accordance with applicable data protection laws. We take reasonable steps to ensure that personal data is not kept for longer than required and that it is safely and permanently disposed of when no longer needed.

21. Personalization of Services

To enhance your experience, Prosper Overseas may analyse your interactions with our platform to better understand your preferences and interests. This helps us tailor recommendations, content, and communications relevant to your academic and career goals.

Where permitted by law, we may also monitor communications (such as calls or emails) between you and our team to ensure service quality, training, and compliance with legal and regulatory standards.

22. Your Data Rights

Depending on the applicable data protection laws (such as GDPR or India’s Data Protection framework), you may have certain rights regarding your personal data, including the right to:

• Access the personal information we hold about you.
• Request correction or updating of inaccurate or incomplete information.
• Request deletion or restriction of processing of your data.
• Withdraw consent for specific data uses, where applicable.
• Request data portability (where legally supported).
• Lodge a complaint with a competent Data Protection Authority regarding our data handling practices.

If you wish to exercise any of these rights or inquire about your stored information, please contact us at [Insert official Prosper Overseas email]. We may, in accordance with law, charge a reasonable fee for processing excessive or unfounded requests.

23. Confidentiality and Security

Protecting your data is a top priority at Prosper Overseas.

We have implemented appropriate physical, electronic, and procedural safeguards to protect your Personal Information against unauthorized access, disclosure, alteration, or destruction.

All third-party service providers and partners handling personal data on our behalf are required to adhere to similar privacy and security standards.

Our practices comply with the applicable provisions of the Information Technology Act, 2000, and related data protection rules to ensure the integrity and confidentiality of your information.

24. Use of Social Media

Prosper Overseas operates official channels on various social media platforms to engage with students and share updates on study abroad opportunities.

Please refrain from sharing sensitive personal information (such as racial or ethnic origin, religious beliefs, political opinions, health information, or government identification numbers) through public or social media messages.

While we monitor and review our social media channels to improve engagement, Prosper Overseas is only responsible for the content officially posted by our verified accounts. We are not responsible for user-generated comments or third-party content on these platforms.

25. Changes to This Privacy Policy

Prosper Overseas reserves the right to update, modify, or revise this Privacy Policy at any time. Any changes will take effect immediately upon posting the updated version on our website, along with the revised effective date.

We encourage users to review this page periodically to stay informed about how we protect their information.

26. Disclaimer

Prosper Overseas will not be held responsible for any loss, damage, or unauthorized disclosure of information caused by factors beyond our control, including but not limited to network failures, system errors, or security breaches.

We do not store credit/debit card details on our servers. Any payment-related information shared during transactions is processed securely through authorized payment gateways.

Additionally, Prosper Overseas is an independent study abroad consultancy and is not affiliated with or endorsed by any government body. All information provided on our website regarding universities, courses, or visa processes is collected from official sources and updated regularly to ensure accuracy.

27. Contact Us

For questions, feedback, or data-related concerns, please contact our Data Protection Officer: