Privacy Policy

Effective Date: September 18, 2026    |    pragyo.com

This Privacy Policy explains what information Pragyo collects when you use our platform, why we collect it, how we use and protect it, and the choices you have. Please read it alongside our Terms of Use, Cookies Policy, and Refund Policy.

1. Who We Are

Pragyo ("Pragyo", "we", "us", "our") operates pragyo.com and the Pragyo mobile app (together, the "Platform") — a marketplace that connects people in Bangladesh with verified lawyers, financial advisors, career coaches, and other professionals ("Experts") through video calls and chat.

This policy applies to everyone who uses Pragyo — whether you're booking a consultation as a Client or offering one as an Expert. By creating an account or using the Platform, you agree to the practices described here. If you don't agree, please don't use Pragyo.

2. Information We Collect

2.1 Information you give us directly

•    Account details — your name and phone number, which we use for OTP-based login. We don't require an email address to sign up.

•    Profile information — profile photo, gender, date of birth, city or district, and preferred language, if you choose to add them.

•    Expert information — if you join as an Expert, we also collect your professional credentials, licenses, certifications, work history, National ID or professional registration number, payout details (bKash/Nagad/bank account), and any verification documents you upload.

•    Booking, payment, and chat data — the sessions and packages you book, messages you send through in-app chat, and payment confirmations from bKash, Nagad, card networks, or bank transfer. We do not store your full card number or your bKash/Nagad PIN — these are handled directly by our licensed payment partners.

•    Support and dispute information — anything you share when you contact customer support, raise a dispute, or leave a rating or review.

2.2 Information we collect automatically

•    Device and usage data — device type, operating system, app version, IP address, and how you use the Platform (pages viewed, features used, time spent).

•    Location data — a general location (city or district level), inferred from your IP address or, with your permission, your device's GPS. We use this mainly to show you relevant local Experts and to help detect fraud.

•    Video and chat session metadata — technical details about your calls (start and end time, duration, connection quality) through our video partner, Twilio. We do not record your video sessions by default. If session recording is ever offered as a feature, it will always require the clear consent of both the Client and the Expert.

2.3 Information from third parties

•    Payment confirmations — from bKash, Nagad, card processors, and banks (for example, confirmation that a payment succeeded), not your full account credentials.

•    Social sign-in — if you ever choose to sign in through Facebook or Google, we receive the basic profile information those platforms allow us to see.

3. How We Use Your Information

•    Create and manage your account, and verify Expert identities so Clients can book with confidence.

•    Match Clients with relevant Experts, process bookings, run video sessions and chat, and handle payments and payouts.

•    Send booking confirmations, reminders, receipts, and important service updates.

•    Provide customer support and resolve disputes, cancellations, and refund requests.

•    Understand how people use Pragyo so we can fix problems and build features people actually need.

•    Detect and prevent fraud, abuse, and violations of our Terms — for example, fake accounts or refund abuse.

•    With your consent, send marketing messages and offers. You can opt out at any time.

•    Power features like AI-assisted expert matching, as these are introduced.

•    Comply with Bangladeshi law and respond to lawful requests from regulators or law enforcement.

4. How We Share Your Information

We do not sell your personal information. We only share it in these situations:

•    With Experts — to complete a booking, we share your name and relevant booking details with the Expert you're consulting. If you're an Expert, we show your professional profile to prospective Clients.

•    With service providers — payment gateways (bKash, Nagad, card processors, banks) to process payments; Twilio to power video calls; and cloud hosting, analytics, and customer-support tools that help us run the Platform. These providers only receive what they need and are bound by confidentiality obligations.

•    With advertising partners — if you interact with our Facebook/Instagram ads, we may share limited, non-identifying data with Meta to measure ad performance. See our Cookies Policy for details.

•    For legal reasons — if required by Bangladeshi law, a court order, or a lawful request from BTRC or another authority, or to protect the rights, safety, and property of Pragyo, our users, or the public.

•    In a business transfer — if Pragyo is involved in a merger, acquisition, or sale of assets, your information may transfer as part of that deal, subject to this policy.

5. Data Storage and Security

Your data is stored on servers located in Bangladesh, consistent with our commitment to comply with the Digital Security Act and local data-residency expectations. We use safeguards including encryption in transit, access controls, and regular security reviews to protect your information.

6. How Long We Keep Your Data

We keep your personal information for as long as your account is active, and afterward for as long as needed to meet legal, tax, or accounting obligations, resolve disputes, and enforce our agreements. Expert verification documents and transaction records may be kept longer where Bangladeshi law requires it. You can request deletion of your account at any time — see Section 8.

7. Video Calls and In-App Chat

Video sessions run point-to-point through Twilio's infrastructure and are not recorded or monitored by Pragyo staff, except where genuinely needed to investigate a reported dispute, safety issue, or policy violation. In-app chat messages are stored so you and your Expert can refer back to them, and so we can look into disputes if needed. Please avoid sharing sensitive details — like full card numbers, PINs, or passwords — over chat.

8. Your Rights and Choices

•    Access and update your profile information anytime from your account settings.

•    Ask us what personal data we hold about you.

•    Request correction of inaccurate information.

•    Request deletion of your account and data, subject to legal retention requirements (for example, we may need to keep transaction records for tax purposes).

•    Opt out of marketing messages at any time, using the unsubscribe link or by contacting support.

•    Control app permissions — like location or camera access — through your device settings.

To exercise any of these rights, contact us at support@pragyo.com or hello@pragyo.com.

9. Children's Privacy

Pragyo is a professional consultation platform intended for adults. It is not directed at anyone under 18, and we ask that people under 18 not use the Platform. If we learn we've collected information from someone under 18 without appropriate consent, we will delete it.

10. Cookies and Tracking Technologies

Our website and app use cookies and similar technologies to keep you logged in, remember your preferences, and understand how people use Pragyo. Full details, including how to manage your preferences, are in our separate Cookies Policy.

11. International Users and Diaspora Services

If you use Pragyo from outside Bangladesh — for example, through our diaspora services for Bangladeshis living abroad — your information is primarily processed in Bangladesh and, where relevant, may be transferred internationally to facilitate payments in other currencies. We take reasonable steps to protect your data wherever it is processed.

12. Changes to This Policy

We may update this Privacy Policy as Pragyo grows. If we make material changes, we will notify you by email and/or an in-app notice at least 14 days before they take effect. Continuing to use Pragyo after that date means you accept the updated policy.

13. Contact Us

Questions, concerns, or requests about your privacy? Reach us at:

•    Email: hello@pragyo.com or support@pragyo.com

•    WhatsApp: +880 1789-02-11-02 (Sunday–Thursday, 9am–9pm)

•    Website: pragyo.com

This Privacy Policy is governed by the laws of Bangladesh, including the Digital Security Act, the Information and Communication Technology Act, 2006 (as amended), and the Consumer Rights Protection Act, 2009.