1. Introduction
Welcome to Guruji Student Credit Card (GSCC) Scheme (the "Site"), operated by the Jharkhand Government. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site and participate in the student loan program
2. Information We Collect
We may collect personal information that you voluntarily provide to us when you apply for a student loan. This information may include:
Students: Name, date of birth, gender, email address, phone number, home address, academic records, identification documents, and financial information.
Lending Banks: Bank name, contact details, loan details, and other relevant financial information.
Jharkhand Government: Information necessary for document validation and loan grant procedures.
Derivative Data: Information our servers automatically collect when you access the Site, such as your IP address, browser type, operating system, access times, and the pages you have viewed directly before and after accessing the Site.
Cookies, analytics, and optional assistants: The Site uses essential session cookies to keep you signed in securely (HttpOnly authentication cookies). We may use Google Analytics to understand aggregate traffic (for example page views). Visitor activity such as IP address and requested path may be logged for operational and security monitoring. If the optional chatbot assistant is enabled, a browser-local conversation identifier may be stored in local storage so the assistant can continue a session; that identifier is not an authentication credential. Authentication passwords and OTP codes are not stored in local or session storage.
Financial Data: Financial information, such as bank account details, loan amounts, repayment schedules, and other related financial information collected to process and manage student loans.
3. How We Use Your Information
We use the information we collect in the following ways:
Validation and Verification: To verify the authenticity of documents and information provided by students and lending banks.
Loan Processing: To process and manage student loan applications, including eligibility assessment, approval, and disbursement of funds.
Communication: To communicate with students, lending banks, and other stakeholders regarding the loan application status, repayment schedules, and other relevant updates.
Compliance: To comply with legal obligations and regulatory requirements.
4. How We Share Your Information
We may share your information with the following parties:
Lending Banks: Information necessary for processing and managing student loans.
Jharkhand Government Departments: Information required for validation and grant procedures.
Service Providers: Third-party service providers who assist us in operating the Site and managing the student loan program.
Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.
5. Security of Your Information
We use administrative, technical, and physical security measures to protect your personal information. While we strive to protect your information, no security system is perfect, and we cannot guarantee the security of your information.
6. Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information, including:
Access: The right to access the personal information we hold about you.
Correction: The right to request the correction of inaccurate personal information.
Deletion: The right to request the deletion of your personal information, subject to certain legal requirements.
To exercise any of these rights, please contact us using the information provided below.
7. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: call centre no Contact Information
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new Privacy Policy on the Site.