Privacy Notice

1. Who we are

Samarthya is operated by Creditbucket Technologies Private Limited ("Creditbucket"). For the personal data you give us through this website, Creditbucket decides how and why it is used.

2. The data we collect

• Account data: name, email address, mobile number and an encrypted (hashed) password. We never store your password in readable form.
• Profile data: date of birth, location and education details, when you choose to provide them.
• Application data and documents: only what is needed for the opportunities you select.
• Technical data: basic information such as IP address and device details, used for security and to keep the service working.

3. Why we use your data

• To create and run your account.
• To show you suitable opportunities and process the applications you select.
• To take payments, issue receipts and meet legal and accounting requirements.
• To send service updates by email and in your account.
• To prevent fraud and keep the service secure.

4. Who we share it with

We share your data only with the institution or scholarship provider of an opportunity you have selected, and only what that opportunity needs. We also use trusted service providers, such as our payment gateway and email provider, who may process data on our behalf. We do not sell your data and we do not show your documents to unrelated parties.

5. Children and guardians

If the applicant is under 18, a parent or legal guardian must authorise the application and any use of the child's data. Guardians can create and manage the account for the child.

6. Marketing

We send promotional updates only if you tick the separate optional box at registration. Declining or withdrawing this consent never affects the service you have requested.

7. How long we keep data

We keep your data only as long as needed for the purposes above, to meet legal obligations and to handle disputes. After that it is deleted or anonymised.

8. Your rights

You may ask us to access, correct or delete your data, withdraw a consent you gave, or nominate someone to exercise these rights for you. You can also raise a complaint with our Grievance Officer, whose details are in the footer of this website.

9. Security

We protect your data with encrypted connections (HTTPS), hashed passwords, role-based access for our team, limits on repeated login attempts, and by keeping uploaded documents outside the public web folder.

10. Changes to this notice

If we make material changes, we will tell you through your account or by email, and the version shown on this page will change.