Privacy Policy

1. Introduction

We respect the privacy of our users and are committed to protecting their personal information. This Privacy Policy explains how Sampatti collects, uses, stores, and discloses the personal information of its users ("Users").

As an Open Governance AI for Financial Inclusion platform, we are committed to transparency in how we handle your data.

2. Information We Collect

We collect personal information from Users to provide access to Sampatti services. This information may include:

• Identity Information: Name, date of birth, government ID numbers (Aadhaar, PAN)
• Contact Information: Phone number, email address, residential address
• Financial Information: Bank account details, UPI IDs, income information, payment history
• Employment Information: Employer details, work history, job role
• Communication Data: WhatsApp messages with our AI assistant, support conversations
• Device Information: IP address, browser type, device identifiers
• Usage Data: How you interact with our platform and services

3. How We Use Your Information

Sampatti uses the personal information collected for:

• Providing access to Sampatti services and features
• Processing financial transactions and generating documents
• Providing AI-powered assistance and financial guidance
• Improving our services and developing new features
• Communicating important updates and notifications
• Preventing fraud and ensuring platform security
• Complying with legal and regulatory requirements
• Generating anonymized insights for financial inclusion research

4. Data Sharing & Disclosure

Sampatti does not sell, rent, or lease User personal information to third parties. However, we may share personal information with:

• Service Providers: Third-party companies that help us provide services (payment processors, cloud storage providers)
• Financial Partners: Banks and NBFCs for processing loans and advances (only with explicit consent)
• Government Agencies: For scheme verification and benefits delivery (with your consent)
• Legal Authorities: When required by law or to protect our legal rights

5. AI & Communication Data

Our AI assistant processes your messages to provide services. Important points:

• Conversations are stored securely and used to improve service quality
• AI interactions may be reviewed to improve accuracy and safety
• You can request deletion of your conversation history at any time
• We do not share your conversations with third parties for advertising
• AI models are trained on anonymized, aggregated data only

6. Open Governance Commitment

As part of our Open Governance model:

• We publish regular transparency reports on data usage
• Users can access a summary of how their data has been used
• Data practices are reviewed by an independent advisory board
• We advocate for user-centric data regulations

7. Data Security

Sampatti implements reasonable security measures to protect personal information:

• Encryption of data in transit and at rest
• Secure servers with access controls
• Regular security audits and updates
• Employee training on data protection
• Multi-factor authentication where appropriate

However, no data transmission over the internet is completely secure. Sampatti is not responsible for any loss of personal information due to unauthorized access beyond our control.

8. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. After account closure, we may retain certain information for legal compliance, dispute resolution, or legitimate business purposes, typically for a period of 7 years as required by Indian law.

9. Your Rights

As a User, you have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Receive your data in a portable format
• Objection: Object to certain processing of your data
• Consent Withdrawal: Withdraw consent for optional data processing

To exercise these rights, please contact us at the details provided below.

10. Cookies & Tracking

Our website may use cookies and similar technologies to enhance user experience. You can control cookie preferences through your browser settings. We use:

• Essential Cookies: Required for basic site functionality
• Analytics Cookies: Help us understand how users interact with our site
• Preference Cookies: Remember your settings and preferences

11. Changes to This Policy

Sampatti may update this Privacy Policy from time to time. We will notify Users of significant changes through email or platform notifications. Continued use of our services after such notice constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices:

13. Grievance Redressal

In case of any grievances regarding data privacy: