Privacy Policy

1. Introduction

Shopper Credibility Score (OPC) Pvt. Ltd. ("SC Score", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credibility scoring platform. We comply with the Digital Personal Data Protection (DPDP) Act, 2023, and other applicable Indian laws.

This policy is available in English and can be provided in any of the 22 languages listed in the Eighth Schedule of the Constitution of India upon request. Contact us at privacy@scscore.in for translations.

2. Information We Collect

2.1 Information You Provide

  • Consumers: Name, email, phone number, address (via DigiLocker verification - we do NOT store Aadhaar numbers)
  • Sellers: Business name, email, phone number, GSTIN, PAN, address
  • Platforms: Business name, email, category

2.2 Transaction Data

Order details including order number, amount, payment mode, outcome, return reasons, and timestamps provided by integrated platforms.

2.3 Notices and Consent

Before obtaining consent, we provide a clear notice in English or any of the 22 languages in the Eighth Schedule of the Constitution, itemizing: (i) categories of personal data collected (e.g., name, phone); (ii) purposes (e.g., score calculation); (iii) your rights; and (iv) complaint mechanisms to the Data Protection Board. Consent is free, specific, informed, unconditional, and unambiguous, and can be withdrawn anytime.

For children under 18 or persons with disabilities, we obtain verifiable parental/guardian consent and prohibit harmful processing, behavioral tracking, or targeted ads.

3. How We Use Your Information

  • Calculate and maintain credibility scores
  • Provide cross-platform tracking and analytics
  • Verify identity through DigiLocker and GSTIN
  • Process grievances and support requests
  • Improve our services and fraud detection algorithms
  • Comply with legal obligations

3.1 Data Retention and Minimization

We collect only necessary personal data and retain it for as long as required for the purposes outlined (e.g., transaction data for 5 years for legal compliance, or until consent withdrawal). Data is securely deleted or anonymized thereafter, in line with DPDP Act principles.

4. Data Protection & Security

We implement industry-standard security measures including encryption, secure servers, and access controls. We comply with the Digital Personal Data Protection (DPDP) Act 2023 and related Indian data protection laws.

Important: No Aadhaar numbers are stored in our system. DigiLocker verification is one-time and consent-based.

4.1 Data Breach Notification

In the event of a personal data breach, we will notify affected users and the Data Protection Board without undue delay, typically within 72 hours of becoming aware, as required by the DPDP Act. Notifications will include details of the breach, potential impacts, and mitigation steps.

5. Data Sharing

We share credibility scores with integrated e-commerce platforms to reduce fraud. Personal information is NOT sold to third parties. We may share data when:

  • Required by law or legal process
  • To prevent fraud or protect rights and safety
  • With your explicit consent

For international transfers, we ensure adequate protections as per DPDP Act, such as standard contractual clauses or Board-approved mechanisms.

6. Your Rights

  • Access your personal data and credibility score
  • Request correction or completion of inaccurate/incomplete data
  • Nominate a person to exercise your rights in case of death or incapacity
  • Submit grievances for score disputes or data issues
  • Withdraw consent (may affect service availability)
  • Request data deletion or erasure (subject to legal retention requirements)
  • Appeal decisions to the Data Protection Board

To exercise these rights, contact our Data Protection Officer (DPO) at dpo@scscore.in.

7. Grievance Redressal

If you have concerns about data handling, contact our grievance officer at grievances@scscore.in. We will respond within 30 days. Unresolved issues can be escalated to the Data Protection Board of India.

8. Contact Us

For privacy-related inquiries:
Email: privacy@scscore.in
Address: Shopper Credibility Score (OPC) Pvt. Ltd., New Delhi, India

Last Updated: February 2026
This policy may be updated periodically. Continued use of our services constitutes acceptance of changes.