Privacy Policy
Last Updated: June 20, 2026
Introduction
SCHEMETA ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered banking scheme discovery platform. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the platform.
Information We Collect
Personal Information
We collect information you provide directly, including: name, email address, phone number, employment details, income information, CIBIL score range, location, and other financial information necessary for eligibility assessment.
Account Information
When you create an account, we collect your authentication credentials (managed securely by Clerk), profile preferences, and activity history on the platform.
Usage Data
We automatically collect information about your device, browser, IP address, pages visited, time spent, and other usage metrics to improve our services and ensure platform security.
How We Use Your Information
- •Provide personalized banking scheme recommendations using our AI eligibility engine
- •Process and respond to your inquiries and support requests
- •Send rate alerts and notifications about scheme updates (with your consent)
- •Improve our AI algorithms and platform functionality
- •Ensure platform security and prevent fraudulent activities
- •Comply with legal obligations and regulatory requirements
Data Sharing & Disclosure
We do not sell your personal information to third parties. We may share your information only in the following circumstances:
Supported Banks
When you choose to apply for a scheme, we redirect you to the bank's official website. We do not transfer your data to banks unless you explicitly provide it during their application process.
Service Providers
We use third-party services for authentication (Clerk), hosting, and analytics. These providers have access to your information only to perform specific tasks on our behalf and are contractually bound to protect your data.
Legal Requirements
We may disclose information if required by law, court order, or to protect our rights, property, or safety, or that of our users and the public.
Data Security
We implement industry-standard security measures to protect your information, including:
- •SSL/TLS encryption for all data transmissions
- •Secure authentication via Clerk with multi-factor authentication support
- •Regular security audits and vulnerability assessments
- •Access controls and principle of least privilege
- •Compliance with RBI data protection guidelines
Data Retention & Deletion
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. You may request deletion of your account and associated data at any time through your profile settings.
Upon account deletion, we will permanently remove your personal information from our active databases within 30 days, except where retention is required by law or for legitimate business purposes (such as fraud prevention or dispute resolution).
Your Rights
Under applicable data protection laws, you have the right to:
- •Access, correct, or update your personal information
- •Request deletion of your personal information
- •Opt-out of marketing communications
- •Object to or restrict processing of your data
- •Withdraw consent at any time
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Email: support@aiservices.codes
Platform: SCHEMETA
Effective Date: June 20, 2026