Privacy Policy

Last updated 20 August 2026

Ragesh Waikar (“we”, “us”, or “our”) operates a private analytical advisory practice and the website at rageshwaikar.com. For the purposes of applicable data-protection law, Ragesh Waikar is the data controller responsible for your personal information.

This policy explains what personal information we collect, why we collect it, how it is used and protected, and the rights you have over it. It applies to visitors to this website and to individuals who enter into a private advisory engagement with us.

We collect personal information only where it is necessary, and in most cases only when you choose to provide it. Depending on how you interact with us, this may include:

• Contact details — your name and email address, provided when you write to us or make an enquiry.
• Enquiry content — any information you include in your message to us.
• Engagement information — where you enter into an advisory engagement, the birth details (date, time, and place) and any context relevant to the analysis you request.
• Correspondence — records of our communications with you.
• Technical data — when you visit the website, our hosting and content-delivery providers automatically log standard technical information such as your IP address, browser type, and the pages you view. This is used to operate and secure the site.

This website does not host forms that transmit your data to us directly; enquiries are made by email. We do not knowingly collect special-category data, and ask that you do not send it to us unless it is specifically required for a confirmed engagement and provided knowingly.

We use personal information only for purposes connected with the advisory practice and the operation of this website, including to:

• respond to your enquiry and assess whether an engagement is a suitable fit;
• prepare and deliver a confirmed advisory engagement;
• arrange scheduling, confirm scope and fees, and process payment;
• maintain records of engagements and correspondence;
• operate, secure, and improve the website.

We do not use your information for automated decision-making or profiling, and we do not use it for advertising.

Where data-protection law applies, we rely on the following lawful bases:

• Consent — when you voluntarily provide information through an enquiry or direct communication.
• Performance of a contract — to prepare and deliver an engagement you have requested.
• Legitimate interests — to assess suitability, maintain engagement continuity, and keep the website secure, provided these interests are not overridden by your rights.
• Legal obligation — where we are required to retain certain records.

This website does not use advertising or tracking cookies, and does not run third-party analytics that profile you across sites.

Our content-delivery and security provider may set strictly necessary cookies that are required to serve the site securely and cannot be switched off. If we introduce privacy-respecting analytics in future, this policy will be updated to describe them before they are enabled.

We do not sell, rent, or trade your personal information. It is not shared publicly, and no part of an advisory engagement is disclosed without your explicit written consent.

We use a small number of trusted service providers who process data on our behalf, strictly to operate the practice:

• Website hosting and content delivery — to serve and secure the website.
• Email — to receive and send correspondence.
• Payment processing — where a fee applies, payment is handled by a third-party payment provider; we do not store your card details.

These providers are permitted to use your information only as necessary to provide their service to us. We may also disclose information where required to do so by law.

We work with individuals internationally, and some of our service providers may process data outside your country of residence. Where personal information is transferred across borders, we take reasonable steps to ensure it remains protected to a standard consistent with this policy.

We keep personal information only for as long as it is needed for the purposes described in this policy, and for a reasonable period afterwards to meet record-keeping, legal, and accounting obligations.

Enquiries that do not lead to an engagement are kept only as long as needed to conclude the correspondence, and are then deleted on request. Engagement records are retained for the duration of our professional obligations and then securely deleted or anonymised.

We apply appropriate technical and organisational measures to protect personal information against loss, misuse, unauthorised access, and disclosure. Access to engagement information is strictly limited, and confidentiality is maintained as a core condition of the practice.

No method of transmission or storage is completely secure; while we take reasonable steps to protect your information, we cannot guarantee absolute security.

Depending on your jurisdiction, you may have some or all of the following rights over your personal information:

• to access the information we hold about you;
• to request correction of inaccurate or incomplete information;
• to request erasure of your information;
• to restrict or object to certain processing;
• to request portability of information you provided to us;
• to withdraw consent at any time, where processing is based on consent.

To exercise any of these rights, write to us at the address below. We will respond within the timeframe required by applicable law. You also have the right to complain to your local data-protection authority.

This website and the advisory practice are intended for adults. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.

This website links to cosmiclogy.com and may reference other external sites. We are not responsible for the privacy practices of sites we do not operate, and encourage you to read their policies.

We may update this policy from time to time to reflect changes in the practice or in applicable law. The date at the top of this page shows when it was last revised. Continued use of the website or services after an update constitutes acknowledgement of the current version.

For any question about this policy, or to exercise your rights, please write to inquiry@rageshwaikar.com.