Scratch Karo is committed to protecting your privacy and personal data. This Privacy Policy outlines what information we collect, how it is secured, and your rights as a participant.
1. Information We Collect
When you register or participate, we collect:
- Account Information: Your full name, 10-digit mobile number, and preferred language.
- Financial Information: Virtual Payment Address (UPI VPA) solely for processing verified prize payouts. We never store bank PINs, UPI PINs, or card CVVs.
- Transactional Records: Transaction timestamps, order references, scratch history, and wallet ledger entries.
- Technical Identifiers: IP addresses and device browser data for audit trails and fraud prevention.
2. How We Use Your Information
We use your information strictly to:
- Authenticate your account and maintain session security.
- Verify payments and automatically credit winning amounts to your wallet.
- Facilitate instant payouts to your designated UPI account.
- Attribute referral commissions to authorized merchant shop partners.
- Detect and prevent unauthorized, fraudulent, or abusive activities.
3. Data Security & Encryption
All sensitive information exchanged with our platform is protected using modern Transport Layer Security (TLS 1.3) encryption. Passwords are hash-encrypted using Argon2id/Bcrypt algorithms, and financial ledgers are immutable.
4. Third-Party Sharing
We do not sell, rent, or trade your personal data with third-party advertisers. Information is only shared with authorized banking and UPI infrastructure partners strictly necessary to execute payments and payouts.
5. User Control & Data Retention
You can update your profile name, change your password, and view your complete participation history at any time through the Profile and Activity sections.